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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 ???

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 and - 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


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.

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