Money debt problem.

BrassicWoman

Could you do babysitting for other mums in the evenings for a bit more money?

Happier_Me

Taking the last post a bit further, is there any demand for childminders in your area? You earn whilst looking after your own children. It will take some effort to set up but it's probably one of the only jobs you can do from home that fits around the responsibilities you have to your own children. The more children you have yourself the fewer paid for children you can look after. But it might be worth considering as an alternative, especially if the job hunting doesn't pay off.

But before all that I would contact citizens advice to ensure you're claiming everything you're entitled to. And I'd also contact a free debt charity such as stepchange to get some advice on addressing your debt.

kiciaaaa1

Vikipollard wrote: »

Two things jump out to me, which concern me that your SOA is short...

Are you electric only? £25 seems very low for fuel to me, but kudos to you if you can heat/cook/light your home for £25/month.

£100/month for food for 2 adults and 2 kids? Really? Is that what you are actually spending, or is this what you think you spend. I'm not saying you shouldn't be spending that - again, kudos to you if you are - it seems low to me. Particularly when you say that OH goes and fetches McDonalds.

Are you certain you've captured what you're actually spending?

So to answer your question yes we only have electric and yes we are paying £25 a month we are £550 in debt with electric people but we can’t afford to pay more at the moment.
We trying to spend £30 a week food shopping when we can so yes £120 I would say a month. That doesn’t include nappies and all.

kiciaaaa1

Happier_Me wrote: »

Taking the last post a bit further, is there any demand for childminders in your area? You earn whilst looking after your own children. It will take some effort to set up but it's probably one of the only jobs you can do from home that fits around the responsibilities you have to your own children. The more children you have yourself the fewer paid for children you can look after. But it might be worth considering as an alternative, especially if the job hunting doesn't pay off.

But before all that I would contact citizens advice to ensure you're claiming everything you're entitled to. And I'd also contact a free debt charity such as stepchange to get some advice on addressing your debt.

My husband works weekends as well somethings he is in retail so they work nearly all the time that’s why is so hard for me to find the job because he never have a set days off. Sorry this reply supposed to
Go to someone else. There are a lot of childminders in my area. I am constantly looking for work in school like dinner lady and all but nothing since.

kiciaaaa1

chesky wrote: »

Several people on both this thread and your previous one, have mentioned citizens advice, but you haven't responded to the suggestion. Do you know about them? Have you a local branch? They can usually help with advising on your benefits and appealing if you get a negative decision. They will also arrange food bank vouchers and have debt specialists.

Sorry just reading the replies. Yes I know about them we use food bank first time 5 months ago. I am making an appointment with them to talk about our debs.

kiciaaaa1

tlc678910 wrote: »

Hi,
I know your little one is home with you but can you get a job that works around your husbands hours? I used to do weekends 5pm -10 pm in a shop and although I didn't earn an awful lot there were no childcare costs and no tax to pay (as low earner). What hours does your husband do? Could you do some evenings or weekends?
Tlc

My partner is working varies shift he is in retail so do not have a set days every week.

Soundgirlrocks

I realise it might not be immediately viable but could you move closer to your husbands work? A 50 mile a day commute on your budget is crippling, the car and associated costs a month are £291 before you have even put fuel in the car. petrol is around £100 a month and £50 for maintenance. So that is £441, nearly 1/4 of your income.

McKneff

So you are paying 25£ a month for electric but you could well be using £100 s worth...

You really need to check

heartbreak_star

McKneff wrote: »

So you are paying 25£ a month for electric but you could well be using £100 s worth...

You really need to check

As someone who used to work for an energy company, I agree. You may have your debt on a payment plan, but it's just for the arrears - you'll get billed as normal next time your meter reading goes in...

HBS x

tlc678910

kiciaaaa1 wrote: »

My husband works weekends as well somethings he is in retail so they work nearly all the time that’s why is so hard for me to find the job because he never have a set days off. Sorry this reply supposed to
Go to someone else. There are a lot of childminders in my area. I am constantly looking for work in school like dinner lady and all but nothing since.

Does your husband work for a national chain? If so can he enquire about a transfer to a closer store or sometimes there are other stores under the same umbrella group. Failing that if he can just job hunt for something closer. If your husbands store is ever recruiting apply and see if they can rota you on when he is not at work. Not good for time together but it won’t be forever and you would both have annual leave to take.
Tlc