PIP assessment tomorrow, how to prove am terrible with budgeting?

dee100

Re the budgeting question, I was wondering who is going to verify my budgeting problems? How am I going to prove I need a lot of help with budgeting? Take bank statements showing I am nearly overdrawn this week?
Any other advice re assessment much appreciated, taking:
GP support letter
presc list
thank you

w06

I don't think 'nearly being overdrawn' proves you're terrible with budgeting. For many people (me included) the overdraft is a necessary buffer zone because of low income, doesn't equate to terrible budgeting.

Alice_Holt

It's more to do with (as an example):
- depression meaning you can't deal with bills / monitor bank account;
- anxiety or say bi-polar not being able to control spending or plan for future regular expenditure;
- learning difficulties or lack of understanding.

This is from the PIP assessors guide:
"Complex budgeting decisions are those that are involved in
calculating household and personal budgets, managing and paying
bills and planning future purchases.

This descriptor applies to people who need assistance with
managing their household bills or planning future purchases. A level
of vulnerability due to a cognitive or developmental impairment
which leaves the person vulnerable as a result of not understanding
everyday financial matters should also be considered.
This activity also applies to people who need prompting, e.g. those
who need to be encouraged or reminded to make complex budgeting decisions.
Where bad budgeting decisions are made, consideration must be given to whether this is as a result of a health condition or impairment.
Similarly, some individuals may lack motivation to carry out this
activity and consideration must be given to whether this is as a
result of a health condition or impairment and whether the individual
would carry out the activity if they really had to, for example if they
were to receive a final notice to pay a bill."

Re assessment generally:
https://www.citizensadvice.org.uk/benefits/sick-or-disabled-people-and-carers/pip/help-with-your-claim/your-assessment/

dee100

Thanks.
I have GAD Generalised anxiety disorder and Dysthymia or chronic depression, is a form of low mood, but with less severe symptoms than major depression, have a low, dark, sad mood long term.I got diagnosed with latter only today, hoping to pick up Psychiatrist's PIP support letter tomorrow to take with me.
I need someone to make budgeting decisions for me as go overdrawn and unable to save for the future. I don't know if this is due to anxiety or what could be the reason. Spending money is the only real control I feel in my life and makes me feel good as I have little control over my wretched life.
I have to make my case on budgeting right as the assessor's job is to decline me for PIP.
I am applying for:
budgeting question
unable to have friends relationships, getting on with people question
and hearing aids
to give me 14 points

dee100

here is my self assessment = 14 points:
DAILY LIVING COMPONENT
You assessed yourself as scoring the following points for the daily living component of PIP:


1 b. Needs to use an aid or appliance to be able to either prepare or cook a simple meal. 2 points

7 b. Needs to use an aid or appliance to be able to speak or hear. 2 points

8 b. Needs to use an aid or appliance, other than spectacles or contact lenses, to be able to read or understand either basic or complex written information. 2 points.

9 c. Needs social support to be able to engage with other people. 4 points

10 c. Needs prompting or assistance to be able to make simple budgeting decisions. 4 points


Total points: 14

To be eligible for the daily living component of PIP you need to score:
8-11 points to be awarded the standard rate; or
12 points or more to be awarded the higher rate.

You assessed yourself as being eligible for the ENHANCED RATE of the daily living component of PIP

MOBILITY COMPONENT.
You assessed yourself as scoring the following points for the mobility component of PIP:

Total points: 0

To be eligible for the mobility component of PIP you need to score:
8-11 points to be awarded the standard rate; or
or 12 points or more to be awarded the higher rate.

You assessed yourself as being eligible for NO AWARD of the mobility component of PIP.

poppy12345

dee100 wrote: »

Thanks.
I have GAD Generalised anxiety disorder and Dysthymia or chronic depression, is a form of low mood, but with less severe symptoms than major depression, have a low, dark, sad mood long term.I got diagnosed with latter only today, hoping to pick up Psychiatrist's PIP support letter tomorrow to take with me.
I need someone to make budgeting decisions for me as go overdrawn and unable to save for the future. I don't know if this is due to anxiety or what could be the reason. Spending money is the only real control I feel in my life and makes me feel good as I have little control over my wretched life.
I have to make my case on budgeting right as the assessor's job is to decline me for PIP.
I am applying for:
budgeting question
unable to have friends relationships, getting on with people question
and hearing aids
to give me 15 points

I honestly think that you should have another read of those PIP descriptors again to give yourself a better understanding of what it's all about. I'm not sure where you got the idea that you need 15 points from? For PIP you need at least 8 points in Daily Living/and or mobility for a Standard Award.

As has been said going overdrawn in your bank and not being able to save money isn't a reason not to be able to manage your money and to make budgeting decisions.

poppy12345

Here's a list of all the PIP descriptors and points.
https://www.citizensadvice.org.uk/Global/Migrated_Documents/adviceguide/pip-9-table-of-activities-descriptors-and-points.pdf

dee100

poppy12345 wrote: »

I honestly think that you should have another read of those PIP descriptors again to give yourself a better understanding of what it's all about. I'm not sure where you got the idea that you need 15 points from? For PIP you need at least 8 points in Daily Living/and or mobility for a Standard Award

i was typing an answer to that while you were posting above, kindly scroll up to see how i get 14 points
thank you

IAmWales

What aid do you need for reading, and for cooking?

Many people do not have savings, it's not indicative of being unable to manage your budget. What assistance do you have presently, does someone have power of attorney for your affairs, do you have an appointee?

poppy12345

dee100 wrote: »

here is my self assessment = 14 points:
DAILY LIVING COMPONENT
You assessed yourself as scoring the following points for the daily living component of PIP:


1 b. Needs to use an aid or appliance to be able to either prepare or cook a simple meal. 2 points

7 b. Needs to use an aid or appliance to be able to speak or hear. 2 points

8 b. Needs to use an aid or appliance, other than spectacles or contact lenses, to be able to read or understand either basic or complex written information. 2 points.

9 c. Needs social support to be able to engage with other people. 4 points

10 c. Needs prompting or assistance to be able to make simple budgeting decisions. 4 points


Total points: 14

You'll find it extremely difficult to be awarded 4 points because going overdrawn and not having savings isn't classed as not being able to make budgeting decision.

marliepanda

You mention hearing aids but what aids do you require for cooking and reading information?

Similarly being 'a bit rubbish' with money isn't going to fit that 4 pt description. Being overdrawn and not having savings applies to many people. Do you have someone as a financial appointee helping you by, for example, giving you an allowance each month/week/day?

(Iamwales beat me to most...)