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Original poster

really fed up..................what to do???

32 replies

smeeinit · 12/04/2007 08:16

checked my bank account this morn and its £102 overdrawn AGAIN!(i dont have an overdraft so HUGE charges will be wacked on) with not enough money coming in at mo im soooo sick of struggling.

ive held out for so long trying to build up my buisness but i dont know how much longer i can go on,my car payments have been paid since early feb,my phone has been cut off,we eat crap every day and im fed up with it!!

what to do? i really dont want to give up childminding,i have 3 before and after schoolers and i have a baby starting end of may for 2 days a week but its not enough to keep my head above water. i love cming so much and have put my all into making a go of it but 2years on im struggling for mindees.

im so fed up,i simply cant go on like this.

OP posts:
Are your children’s vaccines up to date?
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soak · 12/04/2007 08:45

would probably help if I gave my email address! [email protected]

soak · 12/04/2007 08:44

dont give up and dont forget to claim back the charges! you can go back up to 6 years - either go to moneysavingexpert.com and go to the drop down bar to banks or email me and I will send you the templates - I recently went against first direct and got back £1400 and now going after cahoot and egg!

LoveMyGirls · 12/04/2007 08:33

Im in the process of claiming the sustainability grant how much you get depends on where you live i should get about £300 for 5 weeks (so roughly half pay) Talk to your early years team they should be able to help you.

Original poster
smeeinit · 12/04/2007 08:26

katy,i have thought(long and hard) about the possibility of p/t work but it would mean messing up what i already have.

OP posts:
Original poster
smeeinit · 12/04/2007 08:25

not heard of a sustainability grant? where do i find out more?
i havent lost a full timer,i lost twins beginning of feb who were doing 3 days a week so financially it was like loseing a f/t.

OP posts:
Katymac · 12/04/2007 08:23

Oh Honey - i don't know what to suggest

Is there anychance of a part-time job or will that mess up the minding you have?

It is very hard

BradfordMum · 12/04/2007 08:22

Oh hun, I know how you feel. Are you a member of a Childminding Network at all? Have you recently lost a full timer? Can you look into claiming a sustainability grant?

Here in Bradford, if we lose a child and are struggling to fill the place - we can claim £2 an hour up to 40 hours a week. You get a lump sum of around £1000 just as long as you can prove that you've lost out due to a child leaving. Copies of your register can prove this.

I know it's easy for us to say just hang in there - something will come along, but that doesn't help when you're feeling low.
Keep your chin up.

Sally xx

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