Totally broke :(

(57 Posts)
3plus2 Tue 11-Dec-12 11:18:49

I'm literally £5 overdrawn and that's all I have to my name! I pay out £400 a month to run and pay for car, £300 rent that's all my maternity pay gone then I'm literally living off child benefit sad how do ppl do it ???

Me too. Am nearly 1000 overdrawn with no more money coming in as too ill to work and any hope of benefits fading fast

Christmas is gonna be hard dude

Aspiemum2 Tue 11-Dec-12 11:23:08

How on earth do you have a car that costs more than your home?!

It does sound like you're in a tough situation but also that you have options - what cuts can you make on your car costs?

PostBellumBugsy Tue 11-Dec-12 11:28:05

Have you sold everything you can on ebay? I've been really ruthless and am selling everything we don't need or use on ebay. Apart from a few items, nothing has gone for that much money, but it is amazing how it all adds up.

Do you do alot of mileage 3plus2? I have a old banger & am not paying anything like that to keep my car on the road.

Could you do any babysitting to get some cash?

higgle Tue 11-Dec-12 11:30:06

I have a brand new car and it doesn't cost much more than 1/2 that much!

3plus2 Tue 11-Dec-12 11:41:20

It's on finance as I needed it for work after some idiot smashed mine up ! It's £153 a month then £50 a month insurance and costs me about £50 petrol sad I walk as much as I can but we are about 2 miles from school and try and shop in asda which is 6/7 miles away the only local shops we have is either Sainsburys or Iceland

3plus2 Tue 11-Dec-12 11:42:07

£50 a week petrol

3plus2 Tue 11-Dec-12 11:43:58

Tried to cancel wifi but it's on contract and will cost £300 to cancel early! Then it's jus gas water tv licence and elec and food shopping and my phone only have a mobile no house phone ....

Scrazy Tue 11-Dec-12 11:46:53

Sorry to hear that. Me too, everything is out of overdraft. Food, petrol and Christmas presents. Good job I am working and have a good credit rating or we would starve.

PostBellumBugsy Tue 11-Dec-12 11:49:40

Blimey 3plus2, that is alot on the car. How long are you committed to it?

What about selling on ebay or babysitting? Could those be options?

Babysitting gives you cash in hand. You just put a notice up on Mumsnet local or, god forbid I should mention it on here, Netmums and you'd get takers - specially if you are a mum, because then other mums know you've got experience.

3plus2 Tue 11-Dec-12 11:50:09

I go back to work in march but tbh don't think I be much better off as its a driving job so petrol will still be more !

3plus2 Tue 11-Dec-12 11:51:48

That's a good idea I will give it a go thank you , thing is I'm still breastfeeding dd3 not sure if she would be ok if I left her? Lord this is hard sad I'm in bed at the mo keeping warm sad

ariane5 Tue 11-Dec-12 11:53:01

We are about 800 overdrawn and dh will not be getting paid for the 2 weeks over xmas sad
We have 4 dcs so it is going to be incredibly difficult.my lovely grandma sent us a 50 pound tesco voucher so we could do a food shop (and blass her she doesn't have much money herself).
Try to find things to sell on ebay/gumtree if you can I don't know what other advice I can offer I know its so hard we kept cutting back but now we can't cut back anymore !
Really hope things improve for everybody soon.

ariane5 Tue 11-Dec-12 11:54:08

Bless not blass!

PostBellumBugsy Tue 11-Dec-12 11:57:03

Maybe not if you are breast feeding - but perhaps something to think about when DD3 is ready to stop.
have a think about ebay too.

redlac Tue 11-Dec-12 11:59:34

To cut down your food bill try online shopping and do it via my supermarket.co.uk - you will find out the cheapest supermarket to use and you can save more money by dropping a brand and its really easy to use

lisad123 Tue 11-Dec-12 12:01:21

I'm over too, not much you can do.
What left haveyou got to pay, what can be left for awhile.

ariane5 Tue 11-Dec-12 12:07:38

Agree online shopping good as its easier to control what you spend we pay monthly for the delivery pass which makes it a bit cheaper we get a big shop once a week and used to spend approx 24pounds a mth on del charge now its just 10 a mth up to 1 del a day you are allowed if you want
We tried cutting down, first dh stopped having any beer then we stopped getting treaty things like biscuits/cakes etc and I never have coffee out anymore.dh takes a packed lunch every day and we have a lot of meals like jacket pots, pasta surprise(pasta and whatever we have to mix with it, usually mushrooms,bacon, peppers etc but on very bad weeks just mixed frozen veg).
Its so hard isn't it and I know my dcs will be disappointed xmas morning but they luckily I got their presents early this year-stocking bits and 2 presents each.

mamaslatts Tue 11-Dec-12 12:08:01

After being snobby about iceland for years, went in the other day and it is CHEAP!! Havent shopped in Asda so can't tell you the difference but may be worth a try. So sorry, awful to be so short of money (have been on the bones of my butt before but pre-kids so only myself to worry about). xx

PostBellumBugsy Tue 11-Dec-12 12:10:02

Also, I know this may sound harsh but if DD3 is still a little baby, don't buy her anything for Christmas. Get your older DCs to choose things for DD3 from their own stuff to give as presents and wrap those up for her. She will never, ever know and it doesn't mean you love her any the less.

Also, ask everyone who might get you a pressie (parents or grand-parents) to give you vouchers.

If your other DCs are not too old, get them gifts in the pound shop & off ebay. I got all my DD's "designer" clothes for Christmas off ebay. She knows I can't afford the new stuff.

If you need to give any gifts, make some cookies or cupcakes & get your DCs to decorate them. It costs very little and as a feel good factor, as it is very personal.

ariane5 Tue 11-Dec-12 12:14:38

Asda good for kids clothes although last few weeks they seem to have delivery issues and I havnt been able to order anything at all but their clothes very good price and quality.

Same here I was at the bank ealy am to take out child benefit for breakfast stuff and loo roll.

I haven't paid three bills this month.

im selling on eBay to fund Christmas.

3plus2 Tue 11-Dec-12 12:40:29

Thank you everyone for your help its been very useful hope we all have a better year next year!

3plus2 Tue 11-Dec-12 12:45:30

I have bought baby some pj's for Xmas and bibs as she really needs those that's it the outhers I got them 2 main pressies the rest in pound shop I'm very happy to say all Xmas shopping is done ! Apart from the food shop! We have 2 other ppl (they are single one is v loaded got isa's and lied knows what else) we take in for Xmas else they will b alone jus hope they bring something to contribute but feel cheeky asking as they don't eat much sad

LadyMaryChristmas Tue 11-Dec-12 12:45:45

Have you checked to make sure that you're receiving all of the benefits that you are entitled to? What about WTC/CTC? Housing and council tax benefit?

3plus2 Tue 11-Dec-12 12:47:13

Meant lord know what else not lied shock

3plus2 Tue 11-Dec-12 12:50:14

We get child tax credit I'm not bothering with housing benefit as under new rules from April we will be deemed to have a spare room so will prob loose all we are entitled too and no smaller properties to swap down too , don't qualify for working tax , we really have scraped back as much as we can but I'm deff going to have to walk to and from the school and drs etc to save on petrol, no point bussing it as that is £2.40 a go!

harrietspy Tue 11-Dec-12 12:51:28

Do you have any books you wouldn't mind selling? Worth looking at webuybooks.com and fatbrain.co.uk - you just enter the barcode number and they tell you what they'd pay for it, you pack them up, print off the label for free postage and get a cheque within a fortnight or so. I just got £80 this way. I think one of these sites does cds and dvds too.

Good luck - I really hope it gets better for you soon.

PostBellumBugsy Tue 11-Dec-12 12:52:43

3plus2 - don't be worried about asking for contributions. Plenty of loaded people wouldn't think twice about asking, so don't let that stop you.
You don't have to do it as the "desperate" ask, but just send an email or text (or even say to them)

"I'm just doing the menu planning for Xmas, I'm going to be preparing, this, this & this - please could you bring along this? With DD3 being so little still, I'm trying to get as organised as possible and it would really help to know that you were bringing that."

I defy any friend to refuse that request!!!!! grin

3plus2 Tue 11-Dec-12 13:00:25

Thanks ladies , the girls have tons of books so will have screed through as they mostly the read the ones they bring home from school, yes will tell friends to bring the pudding and drink they like as last year it was she only drinks this and doesn't was Xmas pud but choc pud then the other one only likes this or that and I'm not going to b able to buy 3 different pudds and drinks this year shock can't believe in a world full of iPhones LCD tv's x boxes etc people are struggling to feed and clothe themselves! How can it b cheaper to buy say a multipack of crisps yet one broccoli head costs a pound !

dotnet Wed 12-Dec-12 18:16:02

Yes, it is horrendous that people are struggling as much as you are. Look online to see what info there is about your nearest food bank. It might be possible to pick up a box of food for however many weeks you need to, until things stop being so grim for you.

bellarose2011 Wed 12-Dec-12 19:34:47

Yes i agree your baby will never know about getting presents.
My 11 month old is just getting cheap stuff from home bargains as i know she will just want to rip the paper off.
Sorry things are so crap for you!
There are so many threads like this its so unfair.

3plus2 Wed 12-Dec-12 19:59:13

Yes it's thought but I'm lucky I have a home , I'm warmish and my girls are so well behaved and lovely kids , we will get there in the end .....

3plus2 Wed 12-Dec-12 20:10:42

And we have food I just have enough to buy food I do that when the child benefit goes in so we have enough till next week! But it's silly things like if my shoe broke god know what I would do I wouldn't be able to her a new pair !

chickydoo Fri 14-Dec-12 09:17:39

eBay is brill
And the money from PayPal goes straight in to your bank account ( used to take a day or 2, now it's an hour or 2)
Sell things on eBay today, you will have money this evening.
This week I have made £73
Sold 2 old fashioned but good cond party dresses ( lots of beads)
2 scarfs ( one new)
A table lamp
A bundle of kids clothes
A bundle of make up I don't like or use.
A silver candle stick ( not real)

Give it a go, it is worth it!

Viviennemary Sat 15-Dec-12 12:30:08

Why is your car costing you £400 a month. Can you not either do without a car or get a cheaper one. You simply cannot afford to pay this much money out for a car in your position.

Oldladypillow Sat 15-Dec-12 19:03:03

If you are going to asda get petrol from there it's cheaper (well it is here).
If its a driving job can you know claim mileage?

3plus2 Mon 17-Dec-12 08:08:56

Our asda don't do petrol, the car is on finance ? Dnt think I can send it back?

cozietoesie Mon 17-Dec-12 10:42:38

Check out the terms anyway. And do some investigation on the insurance at the same time.

As to the £200 a month petrol - I don't know your domestic commitments of course but that is a huge amount. If you're working for someone else, aren't you eligible for expenses for what you use extra when you go back to work? And how are you spending £50 a week on petrol without being at work at the moment?

3plus2 Mon 17-Dec-12 11:54:16

Well our nearest asda is 7 miles away , school is about 2 miles , no one else in the family drives so it usually down to me to drive everywhere and I feel cheeky asking for petrol contribution , spec when it's family shock I managed to only sown £20 on petrol last week tho grin

3plus2 Mon 17-Dec-12 11:54:46

Spend rather

cozietoesie Mon 17-Dec-12 12:28:23

Oh no - you just ask for a petrol contribution! If you feel 'cheeky' bringing it up for the first time, just turn it round and say something like 'I'd love to take you Great Aunt Ermintrude but I have to make this tank of petrol last until.....' Then, hopefully, the wallets will open.

Please try to stick to your guns on that because they're taking the mickey even if they don't realize it. I gave up my car 18 months ago (I did the sums) and while I walk a heck of a sight more, I also use taxis where necessary; and family if in real difficulty. If family oblige, I give them a very generous petrol donation because not only am I still saving a lot overall but petrol is a heck of a price nowadays, as you know. They might have refused laughingly 10 years ago. Nowadays, they don't.

Try online shopping as well (as mentioned above) if you have a supermarket that will do it for you. You're likely to find that you save money on that because you can be more careful about what you buy as well as saving petrol money and sheer harrassment.

Good luck

smile

PS - well done for making it £20 on petrol last week.

3plus2 Mon 17-Dec-12 12:52:57

Thank you , yes I think I'm going to have to , we had an event to all go to a few weeks back and I decided to drive (it's a big car) so undertandably we were all going to the same place so made sense that everyone came in my car , but not one offered a penny and made me annoyed a bit as if we got cabs then they would have had to contribute but again if I'm going that way anyway it would be a bit cheeky.....

cozietoesie Mon 17-Dec-12 13:35:47

If none of them drive currently, they may not realize the cost these days - still living in 10 years ago probably. You're between a rock and a hard place now so you have to make them realize that you need a contribution. It may not be very pleasant but you'll have to steel yourself. The alternative is likely ending up in debt - and if you read the threads on this board, you'll see how bad that is and how many people have sleepless nights and stress because of it.

Try to do it at any rate - and best of luck.

BaldricksTurnip Mon 17-Dec-12 13:51:57

The bedroom tax only applies to social housing as far as I'm aware i.e council or housing association properties. If you rent privately then it's definitely worth applying. I didn't think they'd give us anything when my dh started his new job but they assessed us and are paying roughly a third of our rent and a bit of council tax.

Paintyourbox Mon 17-Dec-12 16:49:17

We get tesco online grocery deliveries and at the moment if you spend £40 or more you get a voucher for 10p off per litre of fuel.

Cheap asda nappies and wipes are great.

Make soups for lunches- more filling than cold sandwiches, you can bulk them up with pasta and they help keep you warm.

3plus2 Mon 17-Dec-12 20:57:07

Thank you ladies , I am in social housing, did a house swap as we were squished wish I didn't now me being a silly daft cow I bulk but nappies and soap powder from a cash and carry so works out say £20 for 2+ months worth of nappies and £15 for 4 months worth of soap powder smile

3plus2 Mon 17-Dec-12 20:58:15

Like the soup idea smile and veg is still quite cheap , I will get some receipts from the Internet x

girliefriend Mon 17-Dec-12 21:08:45

If you have a spare bedroom how about having a lodger or a student using it? Might make you a couple of hundred quid a month.

Your car is costing you a lot shock £50 a month insurance sounds high, my insurance last year cost £240 and I don't understand how you can spend £50 a week on petrol. I use my car for work and don't spend that much!!!

Anifrangapani Mon 17-Dec-12 21:15:42

The bedroom tax will apply to all housing benefit climants - it doesn't matter who owns the property.

Anifrangapani Mon 17-Dec-12 21:16:33

Claimant

BaldricksTurnip Mon 17-Dec-12 23:45:20

Really? From what I've read, private sector tenants are already assessed on the size of their household irrespective of property size, and paid accordingly. The idea behind the 'bedroom tax' is to mobilise social housing tenants who are occupying properties bigger than they technically need.

BitofSparklingPerry Mon 17-Dec-12 23:54:05

Bedroom tax is only in social housing. I thought it was private too, but then looked deeper into it. Private tenants already just get what thy are assessed as needing fr thir family. Social tenants do too, but the local housing rate overs much more in social housing, iyswim.

3plus2 Tue 18-Dec-12 08:11:06

I'm a bit nervous if taking in a lodger tbh , we only have a tintsy room left , I spose it makes sense to but I'm not too sure , would have to be a lady as I've got 3 kids , mind you a make influence may time down some pink grin

cozietoesie Tue 18-Dec-12 08:31:52

You could try taking in a lodger for a fixed period (say 3 months) if there's that sort of demand where you live. See how it suits without being bound to a long term commitment.

Just be sure that you set the rent realistically given the services you'll be providing. From your previous posts, it sounds as if you'll end up giving them free bed and board!

wink

JakeBullet Tue 18-Dec-12 08:37:50

Sorry you are having a crap time, I am as well.....car needed a new battery and a new radiator this month at a cost of £120. Nightmare of a time, have only managed it by sheer good fortune of having things I could sell to make it up. If anything else went wrong with it now though I'd be stuck.

Hope next year is better for you.

TooMuchJD Mon 31-Dec-12 23:45:57

We have cut back as much as we can too but going have to find more savings somewhere. We only use the car for necessary journeys, have a fixed weekly budget for shopping, buy Asda own brand (as nice as the expensive stuff mostly), even trying their smartprice stuff now as its cheaper still but the quality is hit & miss. We use Home Bargains for biscuits/treats as they are much cheaper, got most of the Christmas presents there too.
I had 2DC in 2 yrs so was on maternity pay for sometime and ended up using credit to pay for necessities then its been a slippery slope from there.
I would certainly check out if you are entitled to housing/council tax benefit or speak to your local CAB if you can.
I would go back fulltime but wages here (Stoke) are crap and after childcare costs/reduction in tax credits we would be no better off than we are now but I would be away from the kids longer and get no bloody housework/washing etc.. done.

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