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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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Babysharkdododododooo · 15/11/2024 18:03

Could you work as a locum? The pay is considerably more

PrincessofWells · 15/11/2024 18:02

stressedoutstudent · 15/11/2024 17:41

My journey home is all up hill, again after 13 hours and an average of 25k steps, i just wouldnt have the energy to cycle home 4/5 mornings a week, especially over winter. It would still take me an hour+ (ive not rode a bike in 30+ years)

Can you buy an electric bike? They're amazing - around £800 - hill, what hill?

RabbitsEatPancakes · 15/11/2024 18:01

I would definitely be cancelling all those subscriptions. We used to entertain ourselves with 4 TV channels. I don't think streaming and gaming stuff is super necessary. They aren't even alone if there's 3 of them. Maybe do 1 subscriptions only at a time- they each get a turn picking for the month?

I'd also try and find something other than taxis. There must be a local person looking for cash on the side? A school mum or someone's teenager who'd give you lifts at a cheaper rate? Same with the teenagers college transport.
Eg we have know a guy we use as an airport lift- he charges about 50% what the local minicab would.

Milesandmilesandmiles · 15/11/2024 17:59

For transport, are you getting taxis both ways? If it’s downhill on the way I would buy a cheap folding bike, and cycle to work. Fold it when I arrive and then put it in the boot of your taxi for the way home. This would halve your taxi costs. Or, explain to your manager and ask if they know of anyone driving your way even once a week who might give you the odd lift?

So sorry. It sounds tough.

Devilsmommy · 15/11/2024 17:59

stressedoutstudent · 15/11/2024 17:41

My journey home is all up hill, again after 13 hours and an average of 25k steps, i just wouldnt have the energy to cycle home 4/5 mornings a week, especially over winter. It would still take me an hour+ (ive not rode a bike in 30+ years)

That's why you get an electric bike. Yes it'll cost upfront but would save a fortune in taxis in the long run

Catandsquirrel · 15/11/2024 17:59

Do you mean drop the main nursing role in favour PIP assessor (except bank shifts)? I wouldn't do that for short term gain. Even if better money now, I'd say better to stay on track with your experience and progression and look for grade sixes when you can.@

Don't worry about Christmas. The kids will be absolutely fine with whatever you can manage.

Any help towards transport for DC? lift share? Bike? Food bank or 2good2 go for cheaper food (co-ops usually do really cheap mixed bags)

Skykidsspy · 15/11/2024 17:59

Are any lift shares available? A petrol donation might help another nurse and be less than taxis.

private hospitals pay more but not a&e

temporarily opt of pension scheme? I would really avoid this if you can though

InfoSecInTheCity · 15/11/2024 17:57

How much do the taxis cost and does it still work out financially better to work nights and pay taxis than it would to work days and get a bus?

May09Bump · 15/11/2024 17:57

Also health Insurance companies recruit nurses to help with claim / complaint handling.

blitzen · 15/11/2024 17:56

OP, that sounds really hard. When will you be eligible to apply for the next band up at work?

May09Bump · 15/11/2024 17:56

School nurse for a private school - you could possible use the school coaches for travel if arranged.

Skykidsspy · 15/11/2024 17:55

The RCN Foundation
The RCN Foundation is an independent charity supporting nurses in times of need. Grants, bursaries and scholarships are available to Nurses, Midwives, Health Care Assistance and Nursing Students. The Foundation is independent of the RCN and you don’t need to be an RCN member to access funding and services from us.
Visit the RCN Foundation website.

apply for help? Absolutely use food banks if you need.

Home | RCN Foundation | Royal College of Nursing

We support nurses, midwives and healthcare assistants in the UK by fundraising and providing grants for the healthcare sector.

http://www.rcnfoundation.org.uk/

Myeyesrollwaytomuch · 15/11/2024 17:55

Can’t you just reduce your hours so you get more UC, your rent will be paid? I know you said you wanted a better future for your kids but seems like all
your spare cash is going on Ubers. You could just do one shift a week with a cab and still
get the same amount of money along with UC x

Rumforme · 15/11/2024 17:55

Can you qualify in administering eg Botox and do that on the side? Or would you get paid more for a nursing job in the private sector instead of NHS?

DoreenonTill8 · 15/11/2024 17:50

How old is college teen? What are they studying ? Any way they can get a parttime job?
Oldest who is working, is he on any benefits ?

GandTtwice · 15/11/2024 17:49

Can your college child get help with transport costs? Colleges often have discretionary grants even if the council doesn't think you're eligible due to distance

SillySeal · 15/11/2024 17:48

Does your dc that goes to college not qualify for a grant towards transport? Many colleges offer financial help for bus passes etc if your in need.

TheFunHare · 15/11/2024 17:47

That's so rough. I feel for you. The wage gap at the moment is horrific and working those hours in a public service role should mean you can at least support your family. It's not a very practical suggestion but there is light at the end of the tunnel. Your teenagers will be more self sufficient soon and you will progress at work. Moving up a pay band would give you an extra £400 a month which would make all the difference. Even moving up an increment would help and it will happen. Can you look for something on a higher increment that is closer to home. You sound very capable which must shine through as a nurse.

Dishwashersaurous · 15/11/2024 17:47

Can you move to somewhere cheaper? Kids share a room?

BackinBlack24 · 15/11/2024 17:47

Etsy is great you can create digital downloads using canva it will take time to take off I do nothing with mine just listed 30 - 40 items that's I know will sell , did my research on what's popular I doesn't make much as I don't put any work into right now maybe £100 a month but for something I literally don't have to do anything with after I set it all up I'm ok with it . There's also the option to do drop shipping using printful or similar which would earn more money but you would have to put more time into it as customers would be contacting you or if a parcel goes missing etc . But worth looking into its very easy

Octavia64 · 15/11/2024 17:45

If the eldest has autism would he be eligible for PIP?

Anotherworrier · 15/11/2024 17:44

You should be getting some UC in an income that low. Are you not even receiving anything for the housing element?

BuzzieLittleBee · 15/11/2024 17:44

If you're open to cycling, the NHS must have a bike-to-work scheme? YOu could get an ebike on that which would come out of your salary pre-tax (and over maybe 12 months). It's way, way easier than normal cycling. I'm guessing a 2hr walk is probably 6 miles, which you'd cover easily in half an hour on an ebike.

stressedoutstudent · 15/11/2024 17:43

Agix · 15/11/2024 17:41

PIP assessor, and Id be a super nice one who listened. Need more of those.

this is the best pan at the minute, but from what i can tell, its not the assessor thats making any decisions, even if they are "nice and understanding, when it goes to the decision maker, what they say isnt necessarily interpreted correctly.

OP posts:
SoNiceToComeHomeTo · 15/11/2024 17:43

Use food banks or foodshare schemes. There's no shame in it, and the people who run them are delighted to have them used.
Any DC over say 16 might earn some pocket money babysitting in the evenings.