Completely skint until payday - any options?

leigh944

Hello

Not sure im posting this in the right forum but here goes;
I'm in full time employment, minimum wage, but what with paying for a relativess urgent issues at christmas, and still paying off bills from a previous home whilst on benefits, and paying this months rent, I have nothing in my bank account. In fact, its overdrawn and any money that does go into the bank will take.

I have now set up a budgeting plan with StepChange, so I know the areas that need improvement, however even they sayd they were worried I spend too little on food each month, whch cant be helped due to my money issues. Im only in this situation because I am paying off debts from when on benefits.

Its 3 weeks tomorrow until payday. I keep getting rejected for payday loans. I have no family left to ask for help from, and my bank wont extend my overdraft. I dont have any immediate friends to help either. I went to a food bank recently, but they are only open in work hours, so I cannot attend.

Is there any organisation at all that can help or crisis loans etc? Very desperate and worried how I'm going to see through until the end of January.

Thankyou

mr_munchem

The only thing I can think of is an Employer advance if possible, or speaking to family? Good luck!

Money_maker

Anything you can sell? Having a word with employer is a good idea.

DCFC79

Is this a continuation of this thread ?

https://forums.moneysavingexpert.com/discussion/5766502

Some advice was posted in that thread, have you not gone back to it ?

The link below is an option, as mentioned in the other thread you really should look at the relatives medication so it's not you paying for it.

xylophone

https://www.svp.org.uk/what-we-do

You might approach the SVP Society through your local RC Church - they might be able to help with food and possibly a little financial help until the month end.

dawyldthing

You've got 2 months without council tax and water rates so that should be helping. I'd avoid payday loans. Are there anything you could sell/ any direct debits up for renewal etc? I'd look if you can reduce costs too. Also look in changing bank as some pay to do this too

dawyldthing

What bills from a previous home too? As if it's unaffordable I'd tell them what you can afford

iltisman

You are in full time employment is that 8 hours for 5 days? That leaves a lot of time to earn extra cash.

DCFC79

Looking at the previous thread the OP mentions a bad credit rating but doesn't go into detail whether they have actually checked the report or if they are putting the pay day loan declines down to the credit report not being good without checking.