Cost ofiving killing me open a credit card

[Deleted User]

@Maxthomas4 this forum is a mine of information, make use of it because it'll help you a lot.

Take time to sit and read, look through all the subforums, not just this first money section, and see there is a lot of other people in equally bad situations - you can learn and gain a huge amount of knowledge on here.

You can give as much or as little of your personal details as you're comfortable with - but do read, people can help in so many ways 🤗

Maxthomas4

Tax, MOT, Servicing and insurance? Probably costing between £400-600 a year.
 So firstly may I add that my friend gifted me the car it has tax till June which she paid plus a mot till June next year aswell. And insurance my 78 year old mum pays for monthly as she understands how critical a car is for me.i don't travel in it anywhere that isn't the hospital everywhere else I walk daughters school etc.

eskbanker

Maxthomas4 said:

Tax, MOT, Servicing and insurance? Probably costing between £400-600 a year.
 So firstly may I add that my friend gifted me the car it has tax till June which she paid plus a mot till June next year aswell. And insurance my 78 year old mum pays for monthly as she understands how critical a car is for me.i don't travel in it anywhere that isn't the hospital everywhere else I walk daughters school etc.

With all due respect, you'll find it more productive to follow some or all of the constructive advice you've been given on the big issues, rather than getting bogged down in bickering about less significant ones.

Maxthomas4

With all due respect, you'll find it more productive to follow some or all of the constructive advice you've been given on the big issues, rather than getting bogged down in bickering about less significant ones

I completely agree however when people assume I'm not working because I'm lazy or I should just get rid of the car (not like I have a ferreri) it's a 2006 Ford focus. It gets so fustrating people assume the worst instead of looking for a logical reason why.

sammyjammy

What will you do if and when the car fails?  Do you claim PIP?  The debt free wannabe suggestion is a good one even if you don't have debt, you are looking to get some.  Nobody will judge they may just be able to advise things you've not thought of.

Have you asked about help with travel cost too and from hospital or about patient transport?

Makingabobor2

Good tips to go to the Debt Free forum section and read up and ask for advice there. Please do not get a CC as its quite obvious that you won't be able to make the payments, even if you do get one.  
The tip about looking for some home working is a good one. So many employers are taking on people to work from home these days and usually flexi hours, which would fit around your hospital appointments. 
Also ask your consultant's advice about if/when he thinks you would be able to work again and how long your treatment might last. 
Good luck

JCS1

Head over to the benefits forum, they will be able to give you links to check you are claiming all you can

phillw

Maxthomas4 said:

I completely agree however when people assume I'm not working because I'm lazy or I should just get rid of the car (not like I have a ferreri) it's a 2006 Ford focus. It gets so fustrating people assume the worst instead of looking for a logical reason why.

People can never understand how your health issues affects you, because they have never experienced it. They are lucky that they haven't, but it means they may not have empathy.

You've clearly been through a lot and need some help, however I'm not sure where that help is going to come from.

Unless you know that your financial situation is going to turn round quickly, then a credit card will not be your savior.

If you are finding it difficult to cope, then I would book a GP appointment & explain how this is affecting you. They may be able to refer you to a service that has people who can help take the pressure off negotiating this.

RobM99

As said before, credit is not an option.

Grumpy_chap

I sympathise with the OP's situation but reinforce what others have said that taking a credit card does not seem to be the best way forward in this situation.

I also agree with others that using the SoA tool (Statement of Affairs) would be a good next step. 
The OP can prepare this for their own use initially as it may allow them to spot opportunities that they cannot see now.
The OP can then share at that point if they wish to - there really are good, knowledgeable, helpful and non-judgemental contributors in the DfW section of the forum.

Good luck OP, I hope you can find a way forward that works and is viable in the long term.