Short term, cash flow issue!

kitkat34

double_mummy wrote: »

please go and get some proper free advice from stepchange 08001381111

she did they advised declaring herself bankrupt

AngelPie78

kitkat34 wrote: »

I find your reply to my help very rude I was just trying to show you that we are all in need of help from time to time I was trying to be nice and by the way your problem is much bigger than just the next few weeks, you have huge debt now 34000 in debt and being advised to declare yourself bankrupt is a problem you should be worried about by not paying it doesn't stop it being a problem.
I and probably the many others that might or might have answered your post were trying to help so heres what I say to your only problem that you think you have you've got no money and need money well no ones going to give you a handout cant help anymore because when i do advise you don't like the answer, i really don't what to be mean but you need to wake up before it is too late.
oh and by the way I never slagged you off but I cant help someone who doesn't want help

Kat, I am SO sorry, I was absolutely NOT having a go at you and can only apologise that you thought I meant you.

I didn't at all. I felt that your advice was very kindly meant and I took it on board.

Again, I'm sorry. My rudeness was directed at posters on my other thread.

I will appreciate any help at all. I just feel that it needs to be with the short term problem and not the long term onw.

thanks

R_P_W

AngelPie78 wrote: »

Hey Kat,

I think everything you asked for is now on the SOA, as I've just been editing the same form as we go.

Have about had it with this forum. I tried using it last year [under a different name] and I'm sure the attitude of most of the people who responded to my posts contributed to my breakdown.

I think I'm just about getting to the same situation now.

People think they know you when they don't and I'm getting fed up on no-one listening to me.

Ok, I'm a badly managed, badly planned, shopaholic who is apparently trying to live well beyond my means and got myself into a mess. I am trying to get myself sorted and, as an absolute, last resort, I come on here [like an idiot] and foolishly ask for help.

Anyway, if you want to try to help me then the short term problem, which is the one which is worrying ME more is the fact that I have every little money coming in until I get my next student loan payment on the 28th April. I would like [notice the word - LIKE] to get to that point having paid for my essential bills and not being behind on too much. Anything I am behind on then needs to be paid out of the loan and thus causes problem for the following four months. This is the cycle that I have been in for the last two years.

The problem for me is exactly as above. Not the fact that I have huge debt and need to worry about the long term problems. Until I can get through the next few months, I simply do not want to worry about anything after that. I am more than happy to create a budget plan and stick to it if I know that the money is there and can be paid.

I would really like there to be a person who can help me budget and prioritise when things don't go to plan, but apparently [see my other post] I am asking for far too much. I have applied to use thinkmoney, but have, again, been slated [see other post] because according to some people, I have issues with mobile phones and therefore I am lost cause.

For reference, I will not be giving up my dogs or my children's birthday treats. I am pretty much happy to compromise on everything else.

If you want to help me then help me and ask questions, please do not assume you know me and start slagging me off. That is neither helpful nor appreciated.

x

Severe attitude adjustment is required if you want people to help! From what I see kat has been in a similar situation, has managed to improve her situation, has shared that with you and then provide the response above?

AngelPie78

I give up!! So it's ok for people to be "brutal" and "honest" with me but as soon as I say I don't like it, then I get slated!!

Never again!! I don't want your help now. I'll sort it all out myself. !!!!!!

DCFC79

AngelPie78 wrote: »

I give up!! So it's ok for people to be "brutal" and "honest" with me but as soon as I say I don't like it, then I get slated!!

Never again!! I don't want your help now. I'll sort it all out myself. !!!!!!

Do you want help or not ?

What else are you going to do ?

Some good advice has been posted.

You say you spoke to virgin media about down grading your package, did you explain your having money problems ? Ask the customer rep what your options are ?

Poppet123_2

Hi AP

Sorry you're having a hard time.

Do you have anything you could sell or take to your local pawn shop or cash converters to raise some cash for now? Do you have the time to offer some babysitting or ironing service to get a little bit of extra money?

I know its not ideal but is there anything you can hold off paying for now to keep the money for paying your essentials & then catch up with again.

As for your debts, which I know you're not looking at just yet, but once you've got over this short term cash-flow problem just make sure you focus on the longer term plan so that you don't get in to the same situation again. If Stepchange are advising on bankruptcy I guess it's something you should seriously think about.

Wishing you good luck!

AngelPie78

I want help...not to be slagged off. Like I said...

MPH80

Just cross linking the original posting on the current accounts board so everyone here has context (and gets some of the hostility being shown here):

https://forums.moneysavingexpert.com/discussion/4891883

I wish the OP luck.

Bublin1

I don't understand the hostility cross-over. You may have good reason to be upset in the other thread, but not in here.

eta..Nope, they were helpful there too.

Archi_Bald

Link to the earlier thread: https://forums.moneysavingexpert.com/discussion/4891883

You won't like what I will say now, AngelPie78.

My conclusion is that you are asking for the impossible, and that you are unwilling to listen. Instead you just keep saying people don't listen to you.

There is no magic short term solution to your financial problems since they are deeply rooted in your lifestyle. Trying to find your way out of what you see as a short-term hole just makes your overall hole bigger.

Whether you acknowledge it or not, you have been living beyond your means. Unless you get a grip on that, you will always have financial problems.

I absolutely agree with you that life is for living - - however, a young girl can have a life without a weekend in London for her 16th birthday. A 5 year old doesn't need a birthday party that costs over £100. If you have no money, you cannot go away on holidays. If you are in rent arrears, you don't buy a cheap bottle of plonk every week, instead you drink no alcohol at all. These are just examples that jumped at me when reading through your posts. I am sure you will be very upset about what I just said but unless you accept that in your present circumstances you simply cannot afford the lifestyle that you would like to have, you keep kidding yourself.

Please start listening to how people see your situation, and try to accept the support that is being offered to you.