So what do you do when you can't cut any more?

eryn_kathleen

I'm with Millie's Mum - I don't have any advice, but I think you're doing brilliantly and I really admire your strength in a situation that is really difficult.

sophiesmum_2

I'm not quite sure exactly how they work but have you looked at Direct Payments for yourself to help with the respite care.
You would need to have a carers assessment through social services - this is a statutory obligation on their behalf if you request one, and is for the carer not the disabled person.
There is info about both on the main Gov.co.uk site
http://www.direct.gov.uk/en/CaringForSomeone/MoneyMatters/DG_10018517

It is worth a read as you may just be able to get some help. Apologies if you have already looked into this.

I have a totally dependent 32 year old disabled brother so know the pressures that caring can cause on those providing everyday care. You are doing a great job :A :T :T - there should be more help available to carers, who are saving the government billions each year in additional services.

beanielou

You are doing a fab job with your son.
I also think that you should have a wee think about bankrupcy.
You cannot afford to pay your creditors as much as you are.
The creditor that has reduced your payment should have reduced it by more.Hate to say t but they are chancing their arm.
Take care.

andromache_2

tallyhoh wrote: »

Sorry if this sounds a bit, well you know but who would benefit from any life insurance that you have? If your son would get any money they would stop his benefits or greatly reduce them.

If you still think that you want life insurance, have a look at uswitch or something similar for the cheapest.

I know that there's not much point my disabled brother being left money in anyone's will because it would go straight to the state to pay for his care. It sounds kinda harsh but that's the way it is... I suspect the same would be true of any life insurance payout? Obviously a difficult one but it's worth checking it out since he's your only dependant.

I'm full of admiration for everything you're doing, by the way.