Lost Faith!!!!

Penny-Pincher!!

Hey

Sorry cant help you, but just wanted to say that Im thinking of you and wish you well through this tough time in your life.

Good Luck

PP
xx

FAITH_3

potogold wrote:

have you filled the forms in ???

Yes I did, phoned CCCS, the woman wasnt much help, must admit if if got her the first time i would have never bothered, just made me feel like i was wasting her time, i know there realy busy, but could have done without that!!!!
Just told me to do budget, said I had, not enough coming in, to cover basics, TBH I cant even remember what she said, cus she wasnt very helpfull!
Dunno maybe just me being too sensitive
I'll phone later with OH, cus we have not got joint depts, they are in separate names, so hes got to get his own ref no. from CCCS, mind you weve always done the living expenses together,OH paying prob 75%, me less because I earn a lot less, so bit confused how to do the budget! hmm atm £200 a month coming in for just me, the rent is £625 so half of that, see what I mean, thats not with everything else, she asked how i was surviving, I said CCs, loans,OD!!!!
Duno, just seems to much to take on board, tho I did cancell some DDs that are pending, and got offered a loan because ive got a good credit rating with them!!!!!
Anyway, thanks all for your kind words, still a big hole, think im making it worse cus im staring at the paperwork all day trying to suss it out, think I need to go and hide under the duvet to recharge!!!!!
But if anyones got any advice how i can get my head round it, please do tell...

Nickynoo1

Hi Faith,

Are you working at the mo? Just something I spotted when you said you wern't working and wern't claiming benefits either. I know you said you rather not claim but If your not working you MUST sign on. If not for the JSA (job seekers allowance) but to get your stamp (National Ins) paid. You need to keep your stamp paid up, otherwise it could come and bite you on the bum in later years when you go to draw your pension. Very nearly missed this little trick myself as I'm not entitled to JSA when I get redundant this month.

Good luck with everything,

Nickynoo1

tattooed_lady

Hi Faith,

There's nothing I hate more than people who become too blase in their jobs when it involves sensitive issues like this, that obviously is so distressing for the client who is seeking help. Sorry you had an unsympathetic response from the CCCS but stick with it, don't let one person put you off the whole concept. You're having a bad day anyway so it will probably affect you more than usual. Take care x

flushfolder

faith
just read your letter and it bought my own probs into perpective.
i dont have any fancy advice cos im in the same sort of sh*t, (cept that im older) but i just wanted to say stay strong girl.
the people on this site have got some really good ideas and can help, they dont have the miracles that i was looking for, which meant i have to take the long haul to get debt free, but as soon as i came to terms with that it did help.
it will take time, but you can do it and you are not on your own.

stay positive kid, and beat this thing!

Ember999

FAITH wrote:

Ok, made me flippin cry again, not used to people being nice :A

Faith,

We both have experienced the kindness of everyone on MSE in different formats, but nevertheless, kindness, help and support today. I read your post a few moments ago in a brief attempt to take my mind off my own problems. Life seems hard for you at the moment, and I wish I could offer advice for your desperate money situation, but I cannot, but what I can offer you is this thought:

You have your health, you have your fella, you have your child. You have hope for the future and trust me, things can only get better for you. I really hope they do hon, give your other half and your child a hug and please, count your blessings for they are many.

Kind regards,

Ember xx

jen_jen_2

Hi Faith, keep your chin up girl its only money

i know this is stressful for you, youve done the hard work getting advice, put your budget on here if you want a few tips and we will try to suggest some alternatives. If there is not enough for the essentials you have two options, earn more or spend less (i know you know this so i apologise if it upsets you)

have you checked out benefits, is there any working tax credit due?, should you claim CSA of your ex? (if he is father of child)

with regard to the budget do a joint one of all the household expenditure ie rent £625 and on the income side that your partner contributes. On your budget his debts will go out as an expense and on his budget your debts will go out as an expense. So its one budget you do that is the same for both of you. Dont try to half them when thats not really what the situation is because you will only end up confused and the whole purpose of advice is for you to begin to regain some control again.

and remember it is money and the stress will pass, you have a lovely family, your health and it doesnt take money to be a good mum.

Little_Miss_Winner

Hi Faith,

Sorry your experience today with the cccs was horrible.

Sending you lots of hugs, I totally agree with all the post, especially embers -that brought a lump to my throat!

Stay strong, you WILL beat this.

:A

Love
pot

FAITH_3

What can I say? thankyou, thankyou, thankyou...
I feel very humbled, I feel bad that im feeling down, because i know all you have got to do is look around the world to know what REAL hardship is!!!!
I CAN get out of this, just got to be realistic, my OH spoke to CCCS tonight because ive been carrying it all, lets just say, the poo realy hit the fan!!!!
Today he has realy found out what ive been telling him for ages, deep doodoo, I was even on the verge of packing, because he turned on me, nasty words, youve all been there, I know he didnt mean it, its the stress,
its just hard on a relationship isnt it! plus we are both VERY firey!!
Be to easy to walk away, god it would though, but you cant keep running eh!
Just soo tired atm, but I am strong, and when he stormed off in his car, you know the one where they speed off in first gear so it soundes angry? he came back a couple of hours later with my fav hargan dias icecream, strawberry cheesecake
Raided his coppers at the bottom of his work bag, bless.
Anyway thanks again for ALL your kind words...
xx

johannamse

Hey Faith,

Hubby is probably going throught the same realisation that you did, however many months/weeks ago. It takes a while for it to settle in, but at least he now appears to be getting there. It took my husband 6 months to "get it", but now we work together there is much less strain on me.

I really don't know what else to say, exxcept keep posting, and try try try to think a little bit ahead. This time next year everything will be OK, and in place and much calmer. Good Luck.