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“Rock bottom became the solid foundation on which I rebuilt my life.”
Comments
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Thank you I will call them tomorrow and see what they say. I can't do it online it says they can't currently deal with my tax credits using this service and to call them
Thank you
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Worst they can say is no. Even a few pounds will make a huge difference.LBM in April 17 - Starting card debt £33554
Mortgage@1 June 18 - £76350
Total debt @june 18 £102311
Debt Jan 25 £8282
Mortgage £51215. Total debt now £594970 -
WannabeFree wrote: »Thank you I will call them tomorrow and see what they say. I can't do it online it says they can't currently deal with my tax credits using this service and to call them
Thank you
x
Ask them what's the minimum they can accept. If they come back with 'what's do you think you can afford or similar' ask them what the minimum amount their guidelines allow them to accept is.
Tell them that's more than you can afford, but you will do your best.
Also tell them about your poorly child and all your other debts.Debt: £11,640.02 paid in full! DFD: 30/06/20
Starter Emergency Fund (#187): £1000/£1000
3 month Emergency Fund (#45): £3300/£33000 -
Thank you I will call tomorrow then I can make sure I have the correct info for Wednesday.
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Bed time? I'm sure it is... however I've been offline since early afternoon and came back to 48 messages on this thread and just had to catch up. What a fabulous lot of friends you have here, Wannabe!
I think it all comes out as: make the phone calls you can make - tomorrow. The things you can't do anything about can jolly well wait a bit. Meanwhile, can you find some way to unwind while you get the chance (presuming kiddies are asleep)? The disadvantage of the middle of the night is that our minds conjure up all sorts of stuff and our bodies are at their least resilient. However the advantage is that nothing changes financially so we can stop fighting fires on that front.
Night night. (Before PB does this
again at us). I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220 -
Thank you cherry
I'm armed with loads more information to chase things tomorrow.
I'm on the sofa now watching a few more of Heartland I still can't switch my mind off
x “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
I am sitting here knitting. That and crochet are supposed to slow me down but sometimes I just get competitive with myself to do 'just one more row'! Suduko or Solitaire are pretty good 'slowers down' too. I have all the apps!
I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220 -
So you have tax credit arrears too?
Or are you just phoning them to confirm that you are getting the correct amount
Confuddled.com.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Morning
Hope the smalls are well and all in school today.
No wonder you're struggling. The difference between what you got when DLA was awarded and then stopped is huge. It's £120 less every week just on child tax credit, let alone the DLA and carer's being withdrawn.
Is that right or is the amount you get for tax credits connected to DLA/carers being awarded.
The positive to all this is when it gets re-instated and backdated you're going to have a few nice lump sums coming your way through their stupid decisions. Not that in any way that makes up for the way you're having to struggle through at the moment. x0 -
No Beanie. Not when the DLA is sorted I don't they've taken the disability bits off why there's no DLA. So now I've been 'overpaid' but once the DLA is sorted I'd have been entitled to it
Hope that makes sense“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0
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