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If you were absolutely flat broke in this situation, how would you make money?

559 replies

stressedoutstudent · 15/11/2024 17:32

Some context - single mum of 3 teenagers. Qualfied as a nurse a year ago, so on the lowest increment for band 5 pay. i work all night plus extra bank shifts to maximise my income with enhancements. Moving up pay scales/banding is impossible at the minute. The extra shifts means my UC entitlement is 0 most months. I get CB for 2/3 of the children. Eldest has autism and whilst he works, he doesnt earn enough to be contributing anything substantial to the household. Ex gave up working and claims benefits, i get the standard £29 a month deduction from his benefits via CMS, he hasnt seen the children in over a decade so doesnt contribute anything further. I dont drive and theres no public transport running at a time that i can get to work, so i have to pay for taxis which are expensive but i have no other options. Its a 2 hour walk before/after 13 hours shifts and i usually do 4 or 5 in a week, im so exhausted i cant do this walk on top of my very busy active shift. We live in a rented house, which is a reasonable rent for the area, but still expensive. 1 child in school who can walk, 1 child in college who cant walk as its too far so i have to ay transport costs for them. I have some "unnecessary" outgoings, gaming subscriptions and streaming services, however my children are home alone 4 or 5 nights a week so they need something to keep them occupied as i dislike them going out and about whilst im at work, as i work in a very busy A&E department, im not easily contactable and like to know they are safe. I have some small debts im paying off from when i was a student and really struggled to get by.

Every month i run i out of money, its just impossible. I cant work more, i cant see where i can reduce out goings. I cant get a third job (my substantial and bank are two different contracts). I cant afford christmas, which i know isnt the be all and end all. But, when i was a student i promised my children a better future when i was stressed writing assignments doing placements and missing important events. But its not gotten better. Infact im worse off each month now than i was when studying. The recent NHS payrise left me worse off, as it bumped me into the next pension bracket, so the little i got backdated last pay, i now owe in pension arrears from April when the pay rise was back dated to. This amount is more than i received in back pay last month.

Life is just impossible. I cant give my children any standard of living, despite working my arse off to improve my career and do as many shifts a week as i am physically able to do.

What would you do? Genuinely? My only potential plan at the minute is the WFH pip assessor roles, its the same money im on now, but no travel costs. Keep my bank job to pick up an extra weeked shift each week. But its a job role i struggle with morally, and i would lose the patient contact element of my job for the most part. And A&E was my dream job, i love it, and the experience is vital for my future career aspirations.

OP posts:
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9
Littlemissgobby · 15/11/2024 20:00

You work in accident and emergency obv other nurses must be on same shift surely if you offered petrol money which would help them some on your shift could give yiu a lift and back

stressedoutstudent · 15/11/2024 19:59

Littlemissgobby · 15/11/2024 19:58

Could you not move closer to hospital so saving on taxi fares

The upfront costs and higher rent prices in teh areas closer to the hospital would be higher than my outgoings on transport. Plus my daughter would then require transport to school as i dont want to move her during her GCSE's

OP posts:
Gummybear23 · 15/11/2024 19:59

It will get better just think about the scooter and ebike.
Also.all the cost cutting advice on here.

Littlemissgobby · 15/11/2024 19:58

Could you not move closer to hospital so saving on taxi fares

stressedoutstudent · 15/11/2024 19:57

superplumb · 15/11/2024 19:52

Can your autistic son claim pip for himself? We get dla for my son but he's young.

he wouldnt be entitled. Although he is autistic and requires extra support from me with managing adult life, emotional support as he gets very anxious, and he is dyslexic to the point he struggles to comprehend basically anything written and struggles to communicate effectively, he is capable of holding down a job and doesnt have any additional needs that would justify further finacial support. He earns more than what would entitle him to UC top up. He is under 21 so not on full minimum wage, he works 30 hours a week currently.

OP posts:
Gummybear23 · 15/11/2024 19:55

Gummybear23 · 15/11/2024 19:55

Don't do this.
Will cost you massively.

Also you lose your death in service should you pass away your children will not receive this.

Passmetheaero · 15/11/2024 19:55

I’m honestly think the 2nd hand e-bike idea is the best. Or even better, a small 50cc second hand moped which you can ride on a provisional licence! You can easily pick one up for less than a grand (could family help out with this?) and you will quickly make this money back on saved taxi fares.

TheABC · 15/11/2024 19:55

The killers on your budget are the transport costs, extra loan and pension.

  • I agree with everyone else; get a moped or car and stop the taxis. Electric bikes are amazing, but not after 13 hours on your feet.
  • Get Pip for the eldest.
  • Looking into college assistance for the youngest
  • Could you rent out your driveway during the day for some extra cash?
  • Regarding Christmas, see what you can sell on vinted or go low-spend (,token presents only). Money-saving expert has a lot of ideas.

In the long run, your Msc loan will end and you will go up a pay bracket for the pension. Your kids won't be dependent forever.

You are amazing. You are reading a family in a tough job on one oncomr. Your ex, on the other hand, can go to hell.

Gummybear23 · 15/11/2024 19:55

PinkyFlamingo · 15/11/2024 19:54

Stop paying into the pension. You need the money now.

Don't do this.
Will cost you massively.

PinkyFlamingo · 15/11/2024 19:54

Stop paying into the pension. You need the money now.

Gummybear23 · 15/11/2024 19:54

Could you go part time but then do fostering? Income receives is tax free.

A course in botox or fillers and offering this. Sadly it is popular and pays well.

DdraigGoch · 15/11/2024 19:53

notanothernamechange24 · 15/11/2024 18:09

Where precisely is the OP supposed to find £800 for an electric bike from?? 🤷🏻‍♀️🙄

Some really stupid suggestions on here

And why should she have to cancel the subscriptions which are keeping her kids occupied and safely at home so she can work?

What would be far better is charging their useless father for abandoning his responsibilities to his kids.

I would look into lift shares with someone if you can OP. Even if it's just for the odd shift it would save a little each time.
Have you checked that everything you are paying out for is the best deal you can get? Look at changing your energy supplier etc. I'd also contact the school and see if there is any help available transport wise for your teen. Or look into getting them a cheap bike if that's an option?

Cycle to work scheme. The employer pays the upfront cost and deducts it from the pre-tax salary over 12 months. £67/month (which is really only £50 out of the OP's pocket because of the tax benefit) should be affordable for the saving in taxis alone.

stressedoutstudent · 15/11/2024 19:53

librathroughandthrough · 15/11/2024 19:51

Surely you’re making a great wage doing 5 nightshifts a week even being band 5. That’s 60 hours at £16 plus an hour?

On paper - yes. However my deductions for tax ni pension standard SFE and an MSc often amount to over 1500 a month.

OP posts:
superplumb · 15/11/2024 19:52

stressedoutstudent · 15/11/2024 17:32

Some context - single mum of 3 teenagers. Qualfied as a nurse a year ago, so on the lowest increment for band 5 pay. i work all night plus extra bank shifts to maximise my income with enhancements. Moving up pay scales/banding is impossible at the minute. The extra shifts means my UC entitlement is 0 most months. I get CB for 2/3 of the children. Eldest has autism and whilst he works, he doesnt earn enough to be contributing anything substantial to the household. Ex gave up working and claims benefits, i get the standard £29 a month deduction from his benefits via CMS, he hasnt seen the children in over a decade so doesnt contribute anything further. I dont drive and theres no public transport running at a time that i can get to work, so i have to pay for taxis which are expensive but i have no other options. Its a 2 hour walk before/after 13 hours shifts and i usually do 4 or 5 in a week, im so exhausted i cant do this walk on top of my very busy active shift. We live in a rented house, which is a reasonable rent for the area, but still expensive. 1 child in school who can walk, 1 child in college who cant walk as its too far so i have to ay transport costs for them. I have some "unnecessary" outgoings, gaming subscriptions and streaming services, however my children are home alone 4 or 5 nights a week so they need something to keep them occupied as i dislike them going out and about whilst im at work, as i work in a very busy A&E department, im not easily contactable and like to know they are safe. I have some small debts im paying off from when i was a student and really struggled to get by.

Every month i run i out of money, its just impossible. I cant work more, i cant see where i can reduce out goings. I cant get a third job (my substantial and bank are two different contracts). I cant afford christmas, which i know isnt the be all and end all. But, when i was a student i promised my children a better future when i was stressed writing assignments doing placements and missing important events. But its not gotten better. Infact im worse off each month now than i was when studying. The recent NHS payrise left me worse off, as it bumped me into the next pension bracket, so the little i got backdated last pay, i now owe in pension arrears from April when the pay rise was back dated to. This amount is more than i received in back pay last month.

Life is just impossible. I cant give my children any standard of living, despite working my arse off to improve my career and do as many shifts a week as i am physically able to do.

What would you do? Genuinely? My only potential plan at the minute is the WFH pip assessor roles, its the same money im on now, but no travel costs. Keep my bank job to pick up an extra weeked shift each week. But its a job role i struggle with morally, and i would lose the patient contact element of my job for the most part. And A&E was my dream job, i love it, and the experience is vital for my future career aspirations.

Can your autistic son claim pip for himself? We get dla for my son but he's young.

librathroughandthrough · 15/11/2024 19:51

Surely you’re making a great wage doing 5 nightshifts a week even being band 5. That’s 60 hours at £16 plus an hour?

RichardMarxisinnocent · 15/11/2024 19:50

saythebellsofstclements · 15/11/2024 19:42

Is there no bus to work?

Hospitals are usually pretty well serviced by public transport.
Then you'd just need to walk to the bus stop - could save you £50 a week.

It's in the OP " I dont drive and theres no public transport running at a time that i can get to work,"
Do you really think they OP would be paying out for taxis if there were a bus that she could get to work?

Kneebonefuture · 15/11/2024 19:49

I'm unsure what position your parents are in but you can get cars cheap enough on Facebook. Mine was 600 and it had a full years mot with no advisories. Had it a year and no problems. Yes its an old girl but who cares.

3luckystars · 15/11/2024 19:48

I’m absolutely no help with the money but your post and your work ethic are totally inspirational. You are amazing and someone I really admire. I hope you win the lottery x

sunshineinabag2 · 15/11/2024 19:47

A friend of mine uses Rover a dog sitting app where she looks after people's dogs when they are away at the weekend. She earns about £200 a weekend from it, if you're a dog lover it could be worth looking in to?

HereForTheAnimals · 15/11/2024 19:44

I'd look to move. I'm not saying that is an option for you, but if I couldn't get to work by any other means than taxi, which I also assume your child can't get to college without a taxi, then I'd be looking at places to live which were on a bus route. Sorry, not much help.

Livinghappy · 15/11/2024 19:44

Just want to say you sound like you are doing the best you can. I agree about keeping the pension going as you are building up an "asset" every month. It will be worth it in the long-term.

My workplace offers staff mini check ups, blood pressure, blood tests etc. you could definitely earn more than £120 a day.

Also could you do any private nursing in domestic settings? Again, mini health check, sort dressings. I'm not sure if it's allowed but I know you would pay for my elderly mum to be visited.

Orangeoranges42 · 15/11/2024 19:43

Long shot but there’s a website called lift share-
that shows people travelling the same direction as you. Appreciate its not much of a solution and I likely but always worth a look, deffo don’t assume just because it’s shifts no one else will be similar. Even if it covers some
shifts not every.

I have a lot of respect for you and your efforts, doesn’t sound easy when you’re trying your best .

Kneebonefuture · 15/11/2024 19:43

stressedoutstudent · 15/11/2024 18:21

The training is £1000+, and i reckon around 70% of the (younger child free) nurses i qualified with are doing this, i get an invite to an aesthetics by X facebook or instagram page from some at uni almost weekly. Same for eyelashes and brows.

Oh really? The area i live in there are almost none and have to really search around for one. There are some courses that let you pay in installments. My friend who does eyebrows is taking 500 a day in profit. Although if nursing is your passion i agree something else has to give

GabriellaMontez · 15/11/2024 19:42

What are the small debts?

Can you reduce the payments? Move to an interest free credit card? Consolidate them with an interest free loan? Basically, buy yourself a bit more time.

Gummybear23 · 15/11/2024 19:42

Suggest a car pooling service with colleagues.

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