Budgeting Service?

BillJones

AngelPie78 wrote: »

And equally there does seem to be a problem with posters on here trying to "help" by trying to solve problem that is not the one the OP has asked for help with.

As you've been told again and again, there is no solution. You've spent too much money in the past, so don't have enough now to pay your rent. That's the long and short of it.

AngelPie78

Katem wrote: »

If you can't work and do your uni course, is it time that you thought of dropping out of uni and getting a job (any job at minimum wage) until such time that you're back on your feet and able to look at uni again?

Or could you get a part time job evening time and ask your 16yr old DD to babysit for a couple of hours? Could she get a job and then she would be able to help with her bus pass and clothes etc?

I know you say you want a life and money isn't the be all and end all, but once your money is sorted it's so much easier to enjoy that life - at the moment you aren't enjoying it because the money issue is getting in the way

I don't know, I'd be tempted to start a bit of pressure on the dads, as they clearly aren't contributing enough, and in one case, withholding £10k that's your money. I know it's a bit of a ball ache but you might have to start trying to access that money.

If you can't work because of a "complete psycho" illness, then this would presumably entitle you to benefits? That's what the welfare state is for - to help those who aren't able to help themselves for a good reason - I work in mental health and many clients access benefits and not always long term either. I know some people have a mindset against benefits but in this case they may be helpful?

Hiya and thanks for your post

I have tried to be on benefits as I am not able to work full time and I was in a much worse situation than I am now. I don't know how or why - maybe I wasn't claiming enough? - but I was getting the same [proportionally] amount of HB as well as ESA and TC but that wasn't enough to pay my rent and essentials, let alone anything else. PLUS I was bored out of my brain, just twiddling my thumbs at home.

I didn't think it was showing my kids anything either. I've tried working and I had to stop because of my psycho illness.

If I drop out of uni [which I have absolutely considered on more that one occasion], then I'll need to find a job that works around the kids. Because of the times I have the little ones [thanks to my ex], I couldn't work full time or evenings as I have them when he works [don't ask!] and have them every other weekend. I already go five days every fortnight without seeing them, and it goes back to quality time etc, so I wouldn't want to work when I had them.

Finding a job is hard enough, finding one which could work around those hours and pay me enough so I could have a life and/or pay the bills would be near impossible.

But thanks anyway.

I can't change the custody as the ex won't budge. I can't get any money off the dads [yes, *shock horror* there are two!] as they won't budge.

If you can see any holes in this, then am happy to consider them. x

AngelPie78

Hooloovoo wrote: »

Well, that's not quite true is it?

We know you're nearly 36, £30k in debt, single mum of three kids from two different dads, and have a "complete psycho" type illness.

This really is a car crash of a thread.

Oh, I'm sorry - you know six facts about me.

Apparently, six facts is all you need to know about someone to be a complete judgmental idiot.

AngelPie78

BillJones wrote: »

As you've been told again and again, there is no solution. You've spent too much money in the past, so don't have enough now to pay your rent. That's the long and short of it.

So how does your post help? What is the purpose of it?

AngelPie78

Also, for those who care, I'm getting the Childcare Grant I have been owed from Student Finance [for over a year!] tomorrow. Not as much as I was expecting, but every little helps.

I've already ordered a new car, boat and a plane for the kids...exciting times!

x

pelirocco

AngelPie78 wrote: »

I haven't thought that far ahead. I only met with them this morning. I can't see that it won't work out, and I really don't have any other options at the moment.

Also, I can use them long term. The man I spoke with said that it's no problem to stay with them and get them to help as much as I want. It's just an extra level between the money in my account and automatic payments going out without me having to be tempted to spend.

TBH, I just need a few months of having no cash to spend and getting my bills paid. Then, I feel confident that I can carry that forward, with some help and a bit of confidence in that area.

Thanks for your post x

Im not sure how this will solve your short term cashflow problem ?

Surely for them to be able to pay your bills they will need money 'upfront' ?

are they taking control of all your money? , what are they going to allow you for food and day to day living expenses , and how will you get the money ?, and what about debt payments ? mainly those that you feel oblidged to pay , ie your mum and friends

I noticed from your other thread that you have run up a large debt with your energy supplier , habe you a plan for repaying that ? ( I'm afraid I dont know what will happen if you dont pay ) btw you made an allowance for monthly amounts but yet have clearly not paid it

This 'charity' isnt the answer to your short term cashflow problem they cannot pay any bills if you havent the money to give them

If I was in your position i would be living on the bare minimum and paying the most I could towards the priority debt
ie rent and heat and light . Any debt that isnt going to impact on your life immediatley can be ignored until you are in a better position , but its going to have to be dealt with one way or another .

Again I dont know how HMRC deal with overpayments .

AngelPie78

BillJones wrote: »

As you've been told again and again, there is no solution. You've spent too much money in the past, so don't have enough now to pay your rent. That's the long and short of it.

This is the kins of post that makes people feel really depressed and do something silly, if they haven't the strength to carry on. You have absolutely no idea what posting something like that does to fragile people.

Gosh, I dread to think what would have happened to me a year ago if I'd have read that then.

But that's cos I'm just a person with a "psycho" illness so it doesn't matter about me, eh?

AngelPie78

pelirocco wrote: »

Im not sure how this will solve your short term cashflow problem ?

Surely for them to be able to pay your bills they will need money 'upfront' ?

are they taking control of all your money? , what are they going to allow you for food and day to day living expenses , and how will you get the money ?, and what about debt payments ? mainly those that you feel oblidged to pay , ie your mum and friends

I noticed from your other thread that you have run up a large debt with your energy supplier , habe you a plan for repaying that ? ( I'm afraid I dont know what will happen if you dont pay ) btw you made an allowance for monthly amounts but yet have clearly not paid it

This 'charity' isnt the answer to your short term cashflow problem they cannot pay any bills if you havent the money to give them

If I was in your position i would be living on the bare minimum and paying the most I could towards the priority debt
ie rent and heat and light . Any debt that isnt going to impact on your life immediatley can be ignored until you are in a better position , but its going to have to be dealt with one way or another .

Again I dont know how HMRC deal with overpayments .

Ok, you either haven't read or have misunderstood pretty much all of my posts. I'm not gonna repeat myself and can't see how anything you've said helps and you're just trying to ruin my positive vibe [don't worry though, you're one of many] so I'm just gonna ignore this post...

innovate

AngelPie78 wrote: »

Apparently, six facts is all you need to know about someone to be a complete judgmental idiot.

Who on this thread do you know well enough to dare call them a judgmental idiot?

I have got you on my ignore list now.

pelirocco

AngelPie78 wrote: »

This is the kins of post that makes people feel really depressed and do something silly, if they haven't the strength to carry on. You have absolutely no idea what posting something like that does to fragile people.

Gosh, I dread to think what would have happened to me a year ago if I'd have read that then.

But that's cos I'm just a person with a "psycho" illness so it doesn't matter about me, eh?

What do you want people to post ? Dont worry , tomorrow you will find a pot of gold ? As hard as it is , only you can sort this , you appear on paper to have enough income to cover your bills , so be thankful for that , there are plenty of people who dont even have that .

Yes you do have an very immediate problem of not being able to pay your bills ...........but with a lot of very hard budgeting you could get on top of it plus you have the option to go bankrupt and getting rid of the problem of debt repayments


There are a lot of posters on MSE who have dealt with this theirselves , and lots who are still dealing with it , some of them for years , yet somehow you know better / are better