Is there ever 'not enough money' to pay down debt and start saving?

JordanJamesMatta88

Hi Fritterbug, 
I'm not a big spender anyway really just didn't quite understand how some of my debts worked (i'm getting better). 
But i've had to get a little frugal in the last year as I also have been out of a consistent job since covid.
I've been reading a lot of stuff about budgeting this year and some of the advice i've found has helped loads! I haven't really become frugal but i've just shaved some quite big costs off my weekly budget and prioritised my costs if that makes sense?
Would be happy to share my wisdom (or copying from the internet haha) with you if you like?

Best, 

JJM

thepurplepixie

Do you get any financial support from the father of your child?  You should get something.  I'm sure you will have a better chance with benefits if you get some help from an appropriate organisation, I had to apply for attendance allowance for an elderly relative with dementia and Age UK helped me with things I'd never have thought of including so I would think knowledgeable support would help you.

Have you tried things like doing surveys online?  I make about £15 a month, not alot but every little helps as they say.  

Good luck, it isn't easy.

Just wanted to add have you checked if you can get your broadband any cheaper.  There is a checker on here and I know Plusnet is cheaper than you are paying.

One-step-at-a-time

As well as Freecycle, if you're on Facebook have a look there for local freebies groups. The ones in my area are usually inundated with children's clothes, toys and books.  The suggestion of surveys is good too - Prolific Academic is probably the one I use the most.

powerspowers

Hi Fritter
i agree with suggestions to get help to claim disability benefits (Pip and limited capability for work on your UC). The UC is important as your child gets older they will be expecting you to look for work. You need them to take into account your difficulties as worst case scenario you can get sanctioned on UC. 

You mentioned moving house. Some councils have grants for furniture and white goods, depends on your circumstances and why you are moving. I work for one and you’d likely meet the criteria (but they are all different). If they don’t have one and you feel you need to take on more debt- budgeting advances through UC are interest free. 

thepurplepixie

Four  year old starts school in September? I think that should help, £20 a months saved on nursery/childcare and I think keystage 1 children get free school meals so it takes a little pressure off.  The little bits adds up, for example if you could save £10 a month on internet, £20 a month on nursery, £20 on food due to fsm, then say you make £20 on surveys that adds up £70 a month which would give you more wriggle room, in my opinion I'd say pay half of that to debts and half for treats or things you need.

Good luck.