CrazyBee wants to be Mortgage Free!

beanielou

Well done you.

Newstartforme

Good luck for your appointment today Bee xx

Newstartforme

Hi Bee , how about getting some professional help for the ESA form though I know you did the pip on your own , I was thinking if you have CAB nearby might be good to check if they can offer assistance. If the ESA not enough to live on and you get UC would you get assistance with your mortgage? Not really up on these things sorry xx

RedLipstick

Hi Crazy, hope it went well today! 🤞🤞🤞

I'd say don't worry until it's happening, because you'll either end up worrying for no reason, or you'll worry twice! Better not to worry at all, or worry only once!

I know it's easier said that done and I do empathise! I have a friend in similar situation, hence I've mentioned earlier about the mental health. I feel like she was doing much better when she was sort of worrying about jobs but she kept persevering and applying, going to interviews, and I guess it brought a bit of structure maybe, because when I think about it gives options I guess? But the moment she started worrying about the assessment for the benefits and face to face discussions with a stranger, she just went into the rabbit hole, she messages late at night saying what if they give me only 50 quid per week, how will I live, what if I don't get anything. Like to options of having employment just disappeared. She was never like this before and I feel so sad for her, it breaks my heart. I support her as much as I can, but I'm not a professional and can only do so much.

Sorry about the feedback notes from MD, hope you're keeping well.

I agree with @Newstartforme maybe it's worth getting professional help from CAB. They work with people in need from all the different backgrounds on regular basis, and most likely even more challenging cases than yours. You may feel more confident progressing this, knowing you've got their support?

All the best xx

Edit: agree on the parent's house, I'd rather work nights at McD than go back to living with my parents!

beanielou

The good thing is that your mortgage is low. Your service charge is quite high.
I think you maybe need to reflect on the amount for holidays. 🤗

Though I understand this is hypothetical.

Newstartforme

Keep your spirits up if you can Bee . I wonder if in someway the GP thinks you might be more suited to being in the workplace in someway ? She obviously gave you the certificate you need but maybe doesn't think that's the best thing long term ? I do understand from your point if view you are fed up with applying , getting your hopes up etc , it's very tough and I think you just want to be settles to something even if that's benefits. Have a nice weekend xx

Moneywhizz

I have been reading along with your thread but not posting. I think you are doing the best thing in applying for benefits. It will bring some stability to your income even if it is not as high as you would like. Once the pressure of trying to find a job is lifted you may find your mental health is also more stable and you can think of doing some voluntary work or top up your benefits if that is allowed. However you will also need to work out a budget and stick to it as you won't be able to spend thinking that it will be ok when you get a job. Make a budget based on what you know you will be getting from your benefits and anything extra that you do make from work or a lodger will be a bonus. I will keep reading and wish you well with your plans.

RedLipstick

https://forums.moneysavingexpert.com/discussion/comment/81884102#Comment_81884102

I was thinking about it too this morning. Crazy, look at the benefits, I see on google there are websites like entitledto, CAB and GOVuk with benefits calculators. See what you may get and see how it fits the budget you'd like to have. I think it may give a decent perspective on what would need to go.

Also, I think I've said that before. You really need to start looking at your three month average to build up a realistic budget. Having aspirational budget is good but how does everything looks like in reality? How much do you REALLY spend on groceries, takeaways, petrol, etc etc.

Do you have a degree you could de-dust for some remote admin type office job?

Newstartforme

I am so glad you are remaining positive while you are in this uncertain time and absolutely commend you for still helping mum and SF even though things have been a bit strained of late so well done Bee xx

Newstartforme

Good To hear you are feeling a bit brighter Bee , hope all goes well with your viewing today . Don't worry about your mum I am sure wheelchair will be an easy fix , have a good day xx