Hi all...help?


I cannot budget, I cannot add up and I cannot control my finances - many factors here all linked to a long episode of depression and anxiety and have left me in a right old mess. There is only me, no sugar daddy and I haven't had a penny from my ex for his daughter for over 3 years, he claims to be going self employed currently....


I reduced my hours at work to allow me to get back into work after 5 months off on sick.


I didn't get proper advice at the time, tried to work it out myself and have ended up with not enough income to pay my bills. Even after going through them all and getting them as low as possible.


I contacted Stepchange and have a token arrangement set up with them to cover the credit cards/payday loans that I previously made bad decisions on.


I haven't been able to get rid of a loan with Commsave, I can only reschedule it over the 2 year term to reduce the amount going out every month


coming in monthly I have £920 net pay (before £100 and commsave deductions)
Child Benefit £82
Child Tax Credits £125
Housing Benefit £245- I have asked for this to start going direct to my Landlord - a mutual agreement


I am struggling with the few hours I do, so increasing them is not an option.


I cant borrow any more money, I'm favoured out


I cant sell the car as its not paid off yet, it would cost as much to cancel the insurance as it would not to. I take my daughter to school still and could not do the hours on public transport, so making things worse. imho.


It sounds very negative and that's because it is, and I'm feeling very negative about my situation.


from my previous posts you may spot that I've been BR and am now out of that but
my credit score never really got going to do any credit card pimping so wasn't able to meet the high interest and have now got a token payment arrangement in place.


my ideal scenario is that 'someone' gives me some spending money each week and my bills are paid on time without any interference by me as I always manage to mess things up.


So my question is this,


can anyone spot anything here that I'm missing, I'm certain that I cant get any more financial support until next April as my earnings in this current tax year are £17000 so over many thresholds. This is why my calculations failed as I didn't take this into account.


I have applied for PIP on mental health grounds and am getting a decision relooked at as I was 3 point short of an award. If I did get PIP (about £200a month) that would obviously make a difference. I do get full NHS exemption now too which is a massive help.


grateful for any suggestions




Sarah






Ignore the red ;-)



OUT
Deduction from pay £100 - £300 left to pay
commsave deduction from pay £ 156 - £3k outstanding


food - £ 90.00
after school activities - £ 20.00
Stepchange (total debt £5k) - £ 6.00
Diesel - £ 40.00
FirstResponse (car) - (last payment Jan 31st 2018 £75) - £ 218.71
AA home insurance - £ 11.53
AA Car Insurance - £ 59.34
Yorkshire Water - £ 32.20
Rent £ 475.00
Council Tax (usually £75 without arrears) - £ 95.00
SSE ( E36 -G65) - £ 101.00
SKY 1 of 12 - this was a better deal that paying off the contract - £ 10.00
TV licence - £ 12.20
EE BB - cant find this cheaper?? - £ 18.50
EE Mobile - mine and daughters phone on half price line rental, contracted in for many more months - £ 30.00