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In the Lowest Hour

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  • ceremony
    ceremony Posts: 241 Forumite
    Third Anniversary 100 Posts Name Dropper
    Ah no :( sorry about the job! Hopefully you can get something soon.
    If you have zero hours does that mean you can claim (or claim more from if you were already eligible) Universal Credit? I hear that they've made the system a lot simpler than it used to be thanks to the pandemic.
    Start Debt Jun 2020 = £10,036 - Current £5,894 | #324 £1,000 Emergency Fund Member - £205
  • moneyonmymindsam
    moneyonmymindsam Posts: 2,243 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Combo Breaker
    edited 15 January 2021 at 1:06AM
    I might put my big girl pants on and try to find out lol thank you. Not sure if far too complex as living with plus one, have house to sell and savings although I've just read 6k isn't counted. I can only ask. Awful as it sounds feel a bit tearful and useless as unemployed but must get over myself as I can make money, am frugal and no debt to service.

    Slightly worried about telling plus one as don't want him to think this will kibosh the move or mortgage.

    I am very fortunate to have savings so must count my blessings for that and must toughen up. 😊😂😘❤️

    Lucky to be alive, with all the pandemic and must remember that.

    Sam x
    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • Definitely worth a chat with plus 1 as being between jobs is tough. 
    You’re doing great reading your diary so try not to be to disheartened. 
    April 2020 - £102,222 Loans/CC’s.

    Jan 2022 - £0
    Cleared - £102,222

    Jan 2022 - Now time to build suitable investments and a business!
  • You are doing just great. Prioritise your health and see if you can shift the 50/50
    Don't feel tearful and useless re unemployed, so many are in/will be in this situation and it is what it is. Just think your taxes paid for exactly this. Sending hugs x
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Definitely worth a chat with plus 1 as being between jobs is tough. 
    You’re doing great reading your diary so try not to be to disheartened. 
    @Aspiration thank you for your kindness.

    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • You are doing just great. Prioritise your health and see if you can shift the 50/50
    Don't feel tearful and useless re unemployed, so many are in/will be in this situation and it is what it is. Just think your taxes paid for exactly this. Sending hugs x
    Thank you, I'm going to book the car in ASAP so I will know about mot. Plus one thinks even though its 22 years old it will fly through. We will see.

    I've cleaned the place today rather than procrastinating. 

    Sam x

    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Sorry to hear that Sam - I hope something fab is just around the corner for you  xo
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • Just working out that I have managed nearly 6 years of low buy years!! 
    MOT due tomorrow so praying. 
    Sunday shuffle and all is well financially. Budget of £20 shop was actually underspent - change into holiday pot. 
    Looking at 2021 goals and how to make it my year. Also looking at YT for Swedish D eath cleaning videos  for some motivation to keep on clearing. I hope this will make the selling/ move much easier when the time comes. 
    Sam x

    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    sorry to hear about the job sam

    Good luck for the MOT tomorrow xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • I've heard of Swedish cleaning too.
    It will be easier to move/sell if you declutter without a doubt.
    You are doing great, keep going.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
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