Can't cancel my Barclaycard or get new one

crazyshady

I'm not able to work just now.

TheEffect

crazyshady wrote: »

I'm not able to work just now.

Is this going to change in the near future?

Having a quick look through your old posts, it looks like you've been in a similar situation before, so I recommend you seek some assistance from a service such as Citizens Advice.

pathtofreedom

Rather than looking at a 0% card it might be better looking at one where it is a lower rate but fixed, so it won't go up again in 6 months or anything. I am still not sure if you would be accepted though but it depends on your benefits I guess, I assume you're on esa, dla/pip or similar? Depending how long your award is for you might be able to find someone who'd consider that as good enough income to balance transfer.

Depending on your problems stopping you working it still might be worth looking at the boost your income board here :- http://forums.moneysavingexpert.com/forumdisplay.php?f=145 as well as the dfw board as mentioned before. You might be able to find something you can do from home a little at a time, if you have problems sitting, or concentrating or anything. Leapforce and lionbridge are popular on that forum. I haven't tried them myself yet but when I get to the point I'm too ill to work full time that's the sort of thing I'm going to apply for myself.

Also have a look on the Old Style Moneysaving as that combined with DFW help to maximise the money you do have.

Good luck to you and keep posting there are lots of people with good suggestions that might be able to help.

crazyshady

I get what you mean. At one point a while ago, maybe a year or so ago I was going to try and do a small ironing business because I was trying to think of things to do at home or stuff I could do where if things got too much I wouldnt be in a lot of pressure and had loads of people talk to me about charging £1 per bag of clothes and then it became well you know it needs to professional and you need this iron and that thing and I gave up on it. You think you're trying to make a few extra pounds and now you need to be like a professional company so it just knocked me back down again lol.

TheEffect

crazyshady wrote: »

I get what you mean. At one point a while ago, maybe a year or so ago I was going to try and do a small ironing business because I was trying to think of things to do at home or stuff I could do where if things got too much I wouldnt be in a lot of pressure and had loads of people talk to me about charging £1 per bag of clothes and then it became well you know it needs to professional and you need this iron and that thing and I gave up on it. You think you're trying to make a few extra pounds and now you need to be like a professional company so it just knocked me back down again lol.

Nothing's easy in this world. If you want something enough, go out there and get it. Put in the effort, do your research, and make a plan of action. Anything is possible.

Just FYI - I'm a single male who hates ironing, so I pay someone to do it, and it's a lot more expensive than £1 per bag. Up your prices.

crazyshady

I think they were meaning black bags full of them. Maybe they were right and there's a way of doing it that's different from ironing your own clothes. Plus I'm male so I don't know if women want a man ironing their under garments lol.

pathtofreedom

I've just googled "ironing agency jobs uk" and there are a few places that you pay them a fee and they set you up under their brand to help get customers, so like a franchise. It is a lot more than £1 a bag. If that is something you think you could do - too physical for me - then ask on the other board as well as people can probably give you more real life experience doing this. Depending on your benefits you can do certain amounts of work and still get them it just depends which ones you get and the number of hours / income but again if you do other posts people can help you with this.

I was thinking more computer based jobs like the ones I mentioned but if you think you can do this, even if just gets you £100 a month that would help you pay the debt off a lot faster.

crazyshady

I know I can work 16 hours without it affecting my benefits. Do you think there are any legit jobs that you can do from home? Or like data entry with the typing or ones like my Dad said to me tonight, there was things you can get where you had to do certain things like sign letters, like a 1000 letters then send it back and then you got paid and another one I remember was a while ago but they would send you a VHS video of a show, then you had to fill a questionaire in about it. Do you know the kind of things I mean?

ermine

crazyshady wrote: »

I'm not able to work just now.

Then maybe don't live above your means?

It's not that surprising that you're running out of credit. I wouldn't lend you a bean. At any interest rate, because the money would come back...

It's old, but it's still true

Charles_Dickens wrote:

"Annual income twenty pounds, annual expenditure nineteen [pounds] nineteen [shillings] and six [pence], result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery."

crazyshady

I care for family which means I can't work regular jobs outside of the house hence I was thinking of things to do in my spare time.

Secondly ermine. I have just over £3,000 in my current account but I'm not using that to pay it off.

Thirdly. I've been here longer than you and I've heard all this before and it's not about you or what you would or wouldn't do in real life. Go and worry about your ISAs when you get your pension lol.