Budgeting Service?

pelirocco

AngelPie78 wrote: »

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...

I dont think you'' see ''a fat lot tbh

getmore4less

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 .

The key bill that is the problem is the rent 2 months behind and not enough immediate cash flow.

If the negotiations with the landlord can spread this out and the rest of the income is secured for only essential stuff then there might be a balanced budget in a few months just paying the essentials and no rent arreers.

How much will be left to deal with the bigger picture and tackle some of the critical arreers is another day.

AngelPie78

innovate wrote: »

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.

Haha!!! Seriously? I have been called an ALCOHOLIC on this forum and you're asking me how I can be judgmental??

Also, the guy above clearly said he knew me well enough to judge me on SIX facts. I was merely judging him right back.

And, I'm just so sorry to have lost your advice, wisdom and friendship...oh no...sorry, I don't give a monkeys.

AngelPie78

getmore4less wrote: »

The key bill that is the problem is the rent 2 months behind and not enough immediate cash flow.

If the negotiations with the landlord can spread this out and the rest of the income is secured for only essential stuff then there might be a balanced budget in a few months just paying the essentials and no rent arreers.

How much will be left to deal with the bigger picture and tackle some of the critical arreers is another day.

Got it in one

AngelPie78

pelirocco wrote: »

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

Fab! Where are they? Very few of them see to be on my threads!!

Also, as much as "lots of posters" have been in the situation. They aren't in my situation and don't have the same crap going on as me. So yes, I do know better than them about what's going on in my life. Just because I have chosen not to share every, single, intimate detail of my life on here, it doesn't mean that I can't receive help for the problem in hand...?

AngelPie78

pelirocco wrote: »

I dont think you'' see ''a fat lot tbh

thanks I forgot to mention I have sight problems too. Great of you to bring it up. :cool:

pelirocco

getmore4less wrote: »

The key bill that is the problem is the rent 2 months behind and not enough immediate cash flow.

If the negotiations with the landlord can spread this out and the rest of the income is secured for only essential stuff then there might be a balanced budget in a few months just paying the essentials and no rent arreers.

How much will be left to deal with the bigger picture and tackle some of the critical arreers is another day.

Think thats what i said more or less lol

scary as it might be ( and I can well imagine how scary it is ) If the landlord is agreeable it can be sorted

I also understand when you are in a dark place its easy to think sod it all and go out for a takeaway , anything that will lift your mood for that shortwhile . Unfortunately it has a habit of coming back and biting you in the bum

pelirocco

AngelPie78 wrote: »

thanks I forgot to mention I have sight problems too. Great of you to bring it up. :cool:

very welcome

AngelPie78

innovate wrote: »

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.

why?? why would I care about someone I don't know ignoring me??? Why post?? What is wrong with people like this??

Why???

BillJones

AngelPie78 wrote: »

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

I think that it's a bit rich, given what you've done, for you to call others idiots.