Help- I am sick with worry

aagh! I hatewaking up to abailiff at the door!I have fibromyalgia,am in an awful muddle my husband earns £800 a yearand we get full wftc,ctc for 4 children,& have1at uni and 1 shared residence and 2 more who live with their dad but come inthe hols to stay.(2nd marriage,no not planned,lots of contraception failure,yes ive been sterilised,yes we love them all to bits.How do we cope? we don't!)
i'll try to get my details posted.i need help.husband self employed andcaring for me for 3 years.
social services useless.6 visits in 2 years,numerous URGENT referrals from hospital,gp,midwife,health visitor just to get initial assessment and allocated social worker.
gp has cab at surgery i think.will try that.
husband not good with money.....not a big spender or anything just not good at keeping notes etc of spending.
weliveon tax credits of £200ish perweek.Does not seem too be enough to pay bills.I try and fail.
hopefully can put into practice wat i'veread on herefor months.but i'm sooooooooooo tired of fighting for £.
Every day above ground is a good one ;)
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Comments

  • elona
    elona Posts: 11,806 Forumite
    Combo Breaker First Post
    Crutches

    Do not beat yourself up - I have four kids and one at uni , husband is on what should be a good wage but money just goes. I have used a lot of moneysaving old style ideas and they helped a lot.

    I read some of your other posts and think that once you feel a bit better then things will be easier. Good luck with your thyroid test ( I know what it is like and it does take ages to get dosage right) - it is worth it.

    Your posts have helped a lot of people so please give yourself some credit :A
    "This site is addictive!"
    Wooligan 2 squares for smoky - 3 squares for HTA
    Preemie hats - 2.
  • elona
    elona Posts: 11,806 Forumite
    Combo Breaker First Post
    Crutches

    You might get more replies if you titled this something like "Help- I am sick with worry"

    I can see why the original title but most people might think it is a mistake and you wanted moneysaving old style.


    Give it a try as I do not want to see you miss out on the good advice on here.

    Sorry to be bossy :D
    "This site is addictive!"
    Wooligan 2 squares for smoky - 3 squares for HTA
    Preemie hats - 2.
  • welf_man
    welf_man Posts: 564 Forumite
    Crutches, definitely get yourself to CAB and ask them to check your benefits entitlement!

    Mel.
    Though no-one can go back and make a brand-new start, anyone can start from now and make a brand-new ending.

    (Laurie Taylor, THE no. 1864)
  • System
    System Posts: 178,088 Community Admin
    Photogenic Name Dropper First Post
    welf_man wrote:
    Crutches, definitely get yourself to CAB and ask them to check your benefits entitlement!

    Mel.

    I agree!!!
  • crutches
    crutches Posts: 1,065 Forumite
    thanks all.my social worker(new,keen and becoming rapidly disillusionedwith thesystem,bless her)has arranged for sons playgroup to be paid(2 sessions £8 a week) and is encouraging me to complain about the dept!.
    i've sent off for dla.Trouble is ubby is soooo tired and i keep falling over,asleep and its hard to do the housework so we live in apigsty.I spentlastweek in bed but i did sort 4 boxes of paperwork into files to help with finance stuff while i was there.Thanks for all the support.
    on the up side wehave 8 gorgeous kids,and a lidl to buy good food at great prices.
    through budgeting i've got mortgage arrears down from £800 at the middle of april to
    £230 which means its only 2 weeks late.i will catch up by the end of the month.we are living on pasta,couscous and salads with baked pots.
    i will gety there but its such a struggle.thank goodness for this site.
    Every day above ground is a good one ;)
  • loobyloo1980
    loobyloo1980 Posts: 587 Forumite
    I feel for you, its hard isn't it. I'm struggling as I just cannot manage to stick to my budgets!!! But, if you post your budget on here you will get loads of help in the form of ways to make cut backs and save even more to go towards paying your debts. Get to CAB asap, and take care
    Official DFW Nerd #148 :D
    Debt level @ highest (May 2004): £15000 :eek: Debt level @ August 2006: £9591.53
    Lightbulb moment May 2006 :idea:
  • crutches
    crutches Posts: 1,065 Forumite
    howdo i change the title?
    Every day above ground is a good one ;)
  • Michel_Z.
    Michel_Z. Posts: 15 Forumite
    Judi wrote:
    I agree!!!

    I also agree what Judi mentioned before. Good point!
  • aliasojo
    aliasojo Posts: 23,053 Forumite
    First Post First Anniversary Combo Breaker
    crutches wrote:
    howdo i change the title?

    pm the Board Guide for this board (nearlyrich) and ask her to change it for you - you can't change it yourself unfortunately.
    Herman - MP for all! :)
  • crutches
    crutches Posts: 1,065 Forumite
    i am working on posting my ins and outs.
    been qite bad the past couple of days healthwise but i've done little things.....sorted up to date family and friends for BT,up to date gas reading sent to company b4 they change direct debit,organised internet banking so i can be more in control.I will phone cab on monday and make appt.
    thanksfor your help.
    Every day above ground is a good one ;)
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