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  • FIRST POST
    • leigh944
    • By leigh944 7th Jan 18, 11:49 PM
    • 4Posts
    • 0Thanks
    leigh944
    Completely skint until payday - any options?
    • #1
    • 7th Jan 18, 11:49 PM
    Completely skint until payday - any options? 7th Jan 18 at 11:49 PM
    Hello

    Not sure im posting this in the right forum but here goes;
    I'm in full time employment, minimum wage, but what with paying for a relativess urgent issues at christmas, and still paying off bills from a previous home whilst on benefits, and paying this months rent, I have nothing in my bank account. In fact, its overdrawn and any money that does go into the bank will take.

    I have now set up a budgeting plan with StepChange, so I know the areas that need improvement, however even they sayd they were worried I spend too little on food each month, whch cant be helped due to my money issues. Im only in this situation because I am paying off debts from when on benefits.

    Its 3 weeks tomorrow until payday. I keep getting rejected for payday loans. I have no family left to ask for help from, and my bank wont extend my overdraft. I dont have any immediate friends to help either. I went to a food bank recently, but they are only open in work hours, so I cannot attend.

    Is there any organisation at all that can help or crisis loans etc? Very desperate and worried how I'm going to see through until the end of January.

    Thankyou
Page 1
    • mr_munchem
    • By mr_munchem 8th Jan 18, 12:10 AM
    • 95 Posts
    • 33 Thanks
    mr_munchem
    • #2
    • 8th Jan 18, 12:10 AM
    • #2
    • 8th Jan 18, 12:10 AM
    The only thing I can think of is an Employer advance if possible, or speaking to family? Good luck!
    • Money maker
    • By Money maker 8th Jan 18, 12:21 AM
    • 5,013 Posts
    • 11,399 Thanks
    Money maker
    • #3
    • 8th Jan 18, 12:21 AM
    • #3
    • 8th Jan 18, 12:21 AM
    Anything you can sell? Having a word with employer is a good idea.
    Please do not quote spam as this enables it to 'live on' once the spam post is removed.

    If you quote me, don't forget the capital 'M'

    Declutterers of the world - unite!
    • DCFC79
    • By DCFC79 8th Jan 18, 12:46 AM
    • 31,938 Posts
    • 20,117 Thanks
    DCFC79
    • #4
    • 8th Jan 18, 12:46 AM
    • #4
    • 8th Jan 18, 12:46 AM
    Is this a continuation of this thread ?

    http://forums.moneysavingexpert.com/showthread.php?t=5766502

    Some advice was posted in that thread, have you not gone back to it ?

    The link below is an option, as mentioned in the other thread you really should look at the relatives medication so it's not you paying for it.
    Last edited by DCFC79; 08-01-2018 at 1:08 AM.
    • xylophone
    • By xylophone 8th Jan 18, 12:52 AM
    • 25,597 Posts
    • 15,123 Thanks
    xylophone
    • #5
    • 8th Jan 18, 12:52 AM
    • #5
    • 8th Jan 18, 12:52 AM
    https://www.svp.org.uk/what-we-do

    You might approach the SVP Society through your local RC Church - they might be able to help with food and possibly a little financial help until the month end.
    • dawyldthing
    • By dawyldthing 8th Jan 18, 2:02 AM
    • 2,925 Posts
    • 2,907 Thanks
    dawyldthing
    • #6
    • 8th Jan 18, 2:02 AM
    • #6
    • 8th Jan 18, 2:02 AM
    You've got 2 months without council tax and water rates so that should be helping. I'd avoid payday loans. Are there anything you could sell/ any direct debits up for renewal etc? I'd look if you can reduce costs too. Also look in changing bank as some pay to do this too
    My targets to end 2018:
    1) To get down to 11 st 7lbs then treat to a safari. At start 17 stone 7 lbs: *61lbs lost* *30lbs to go*
    1st started SW16st13lbs tues11/7/17 - 38 weeks -53lbs
    2nd sw 14 st 12lbs Fri15/6/18 -> 0 weeks -0lbs
    2) to find new challenges
    • dawyldthing
    • By dawyldthing 8th Jan 18, 2:03 AM
    • 2,925 Posts
    • 2,907 Thanks
    dawyldthing
    • #7
    • 8th Jan 18, 2:03 AM
    • #7
    • 8th Jan 18, 2:03 AM
    What bills from a previous home too? As if it's unaffordable I'd tell them what you can afford
    My targets to end 2018:
    1) To get down to 11 st 7lbs then treat to a safari. At start 17 stone 7 lbs: *61lbs lost* *30lbs to go*
    1st started SW16st13lbs tues11/7/17 - 38 weeks -53lbs
    2nd sw 14 st 12lbs Fri15/6/18 -> 0 weeks -0lbs
    2) to find new challenges
    • iltisman
    • By iltisman 8th Jan 18, 9:34 AM
    • 2,422 Posts
    • 2,686 Thanks
    iltisman
    • #8
    • 8th Jan 18, 9:34 AM
    • #8
    • 8th Jan 18, 9:34 AM
    You are in full time employment is that 8 hours for 5 days? That leaves a lot of time to earn extra cash.
    It's only my cheerfulness that keeps me going
    • DCFC79
    • By DCFC79 8th Jan 18, 10:58 AM
    • 31,938 Posts
    • 20,117 Thanks
    DCFC79
    • #9
    • 8th Jan 18, 10:58 AM
    • #9
    • 8th Jan 18, 10:58 AM
    Looking at the previous thread the OP mentions a bad credit rating but doesn't go into detail whether they have actually checked the report or if they are putting the pay day loan declines down to the credit report not being good without checking.
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