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to wonder what the fuck to do now? (Immediate financial problem)

845 replies

Margaritte · 30/05/2015 13:26

We are on a very tight budget for the next couple of months. We know this, and have got advice from StepChange & I posted a thread on here for recipe /shopping advice.

However, today our card declined trying to pay for £22 or so worth of shopping. We were not expecting that, and now I am very worried and starting to panic

We have some food in for dinners. No packed lunch food though, for ds1 & 2 and dh. We have no milk (well, enough for a bottle tonight for dd) and are down to 3 nappies.

Payday isn't until end of next week, so have to do something until then.

OP posts:
NoSquirrels · 11/11/2015 10:06

I think if you already rent, you are perhaps in a stronger position than if you were a homeowner who would need to sell to release the assets in the house, and then have to find a rental property from scratch.

I don't know your LL, and I don't know your situation, but in general, LLs will be understanding of existing tenants if you have been a good reliable tenant in the past, even whilst undergoing financial problems, and can show them that you have a plan for your situation post-bankruptcy. For instance, if a tenant of mine came to me and told me they would be declaring bankrupt but they'd always paid the rent on time in the past, and they showed me how much better off they would be after bankruptcy wiped out the debts (with a statement of affairs that StepChange could help you with), I would feel secure that they knew what they were doing. I might want to know what got them into trouble in the first place, to be reassured it wouldn't happen again, but otherwise it would be OK with me. Life happens to everyone, and sometimes situations change that couldn't be anticipated. Personally I would not be able to penalise a tenant for trying to improve their lot after they' fallen on hard times, whether or not it was a situation created by stupidity or just unfortunate circumstance. Your LL may vary! If you go through a letting agent, it can definitely be worthwhile trying to speak directly with the LL, as letting agents are often much more cut-throat and ruthless conservative.

If you needed to find a new tenancy in the future, your credit rating will already be awful if you have attachment of earnings and a DMP, so I don't think declaring bankrupt will necessarily make that scenario any worse. If you declared bankrupt you should make it your first aim to save up 6 months' rent in advance, just in case you needed to move and show you could commit to the tenancy. This amount of rent in advance will reassure most LLs.

I realise it is a huge and scary step, but it is made available legally as an option to prevent people being exploited to the point of poverty by creditors, when they will realistically never be able to dig themselves out of the hole they have created. If you know WHY you got in debt, and will never go there again, then it is an option you need to think about and take real-life advice on.

sadwidow28 · 21/11/2015 01:30

Just to say that I have answered any PMs that came to me and I have forwarded all Christmas offers to Margaritte.

I will not add fuel to fire, but having spoken to Margaritte (she phoned me by the way) I have agreed to consolidate her job and meal posts once again. (They are left behind on pages 21 and 22 of this thread.)

Now please, let me do this for Margaritte to help her without derailing the thread again.

Thank you SW x

sadwidow28 · 21/11/2015 03:10

Revised List of jobs (Wednesday 25th)
JOB LIST - UPDATED 21st November 2015

  1. Call Payplan (open until 3pm Saturday, closed Sunday) DONE
  2. Call priority arrears companies and pay DONE
  3. Take DCs out for a walk/play DONE
  4. Plan meals (with MN help) DONE
  5. Cook evening meal for 5 of you DONE
  6. Whilst in kitchen, cook and freeze 2 meals with the mince (see cottage pie ^^ for one) DONE
  7. Finish listing on Facebook (catch the weekend browsers) DONE
  8. Blitz the housework DONE
  9. Go in loft and shed to seek more items to sell on FB, Gumtree, eBay. DONE
10. Photograph and list the additional items for sale DONE 11. Google your local foodbank: www.trusselltrust.org/map and check your referral system (SureStart, GP etc) DONE 12. Go in loft and shed to seek even more items to sell on Facebook. DONE 13. Look for other selling groups on Facebook to increase listing capacity: e.g. baby, general & specialist selling groups. DONE 14. Check if Christians Against Poverty can offer additional help: capuk.org/ DONE 15. Sign up to You Need A Budget (YNAB) free trial DONE www.youneedabudget.com/?gclid=CjwKEAjw2ImsBRCnjq70n_amv14SJAChXijN_WAE3WrUjZXMRPxRyRoKdTykTg7Kp4U6kvvDbjau4xoCLcbw_wcB DONE 16. Phone a debt charity to explore a DEBT PLAN using this link for ideas, information: images2.moneysavingexpert.com/attachment/ivaGuide.pdf ThisIsNachoCheese will advise on IVA if that is the option. DONE 17. Choose a good spreadsheet that helps you manage income/expenditure - YNAB on the trial option (see No 15) and keep it updated for 1 month DONE 18. Check out www.turn2us.org.uk/ for any additional benefit support you may be entitled to DONE 19. Finalise the Debt Management Plan through Step Change DONE 20. Respond to the letter about the offer of an allotment DONE - accepted

---------------
21. Sort out Application for benefits relating to DC3 - linked to debt letter saying that you owe a refund for overpayments.
22. Find any paperwork relating to applying for benefits for DC3 2 years ago
23. Apply for back-dating of benefits for DC3 based on that documentation
24. Respond to your PM box daily - people are offering support/looking for confirmation of support having arrived.
25. Consider FOI to get a copy of the family file from the LA
26. Find ways of reducing travel costs - bike for DH, other parents taking DC1 to school (Phone LEA to ask for an emergency free bus pass for DC1)
27. Clear the home using the Marie Kondo method - but remember that if you don't photograph, list and sell, the stuff is still in your house!
28. List more DVDs/CDs/books on musicmagpie,, webuybooks, Ziffit, Music Magpie, Fatbrain
29. List larger items on Gumtree (van services are registered on Gumtree anyway so buyers will know how to link)
30. Complete the PPI claim using FREE site: www.moneysavingexpert.com/reclaim/ppi-loan-insurance (ask GoringBit for help/advice - s/he was PPI adjudicator)
31. Look into possibility of refund on bank charges using template letter here: www.moneysavingexpert.com/reclaim/bank-charges
32. Make arrangements to get a referral for local Surestart Food Bank (phone or email the HV)
33. Ring local council to ask about food bank vouchers and any emergency grant/loan you may be entitled to.
34. Look up The Minor Ailment Scheme to locate your nearest pharmacy in the scheme. (The pharmacy will dispense Calpol for example without you having to buy over the counter/attend the GP)
www.nhs.uk/Livewell/Pharmacy/Pages/Yourpharmacy.aspx
35. Join Local Freecycle and place a wanted ad for size 5 nappies etc (You may have to OFFER to give away one item yourself before you are allowed to receive )
36. Run a FREE credit check via this site: www.moneysavingexpert.com/loans/check-free-credit-report
37. If you are in debt to gas/electricy, check out the British Gas Energy Trust www.britishgasenergytrust.org.uk/ - usually supports elderly, but focused on not having debt for energy.
38. Phone Council and ask if they will allow Council Tax payment over 12 months rather than 10. (You lose the 2 month payment break, but may be worth doing for budget balancing)
39. Browse DebtFreeWanabbee for more ideas and support forums.moneysavingexpert.com/forumdisplay.php?f=76 started but ongoing
40. Migrate all spreadsheet information from the YNAB free trial (Cancellation of membership necessary?) - ask skyeskyeskye for help with this.
41. Place a 'shout-out' on a local page for someone to fix your oven. (I haven't found one in Kent yet...)
42. Join Swagsbucks as suggested by Beth2511. Swagbucks link
43. Ask DC1 school to join the Tesco Logo scheme to save money on uniform logos - The school receives a % of all sales so worth asking PTA or Head to do it.
44. Check out Vacancy Payment scheme where your DC1 could have a reduced rate on a school bus going to his school - as long as that place is not needed by another child who qualifies directly.
45. Investigate the Young Person's Travel Pass which is for 4 years (6am - 7pm) and costs £250 per year: www.kent.gov.uk/roads-and-travel/school-transport/young-persons-travel-pass
46. Sign up for Market Research as suggested by Unreasonablebetty (page 25 of your thread)
47. Reconsider applying for bankruptcy.

Additional PM help offered by SkyeSkye (setting up own business and registering with HMRC) and gallicgirl (summons and AOE for council tax/bankruptcy)

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Additional Advice links

Gardening link is here: www.mumsnet.com/Talk/gardening

Credit Crunch is here: www.mumsnet.com/Talk/credit_crunch

sadwidow28 · 21/11/2015 03:11

Links/Recipes for Cheap Meals

Saturday evening is a good time to get marked down food in the supermarkets

Consider buying from: www.approvedfood.co.uk/?por_id=dhlcwEbDfwCuBDjezbBmrrzloujeoz1435853849&afid=por2013 to save 70% off shopping (sell by dates are close).

Look at FEED YOUR FAMILY FOR £20 A WEEK: www.facebook.com/fyf20quid and fyf20quid.co.uk/

15 Foods you didn't know you could freeze: www.thedailymeal.com/15-foods-you-didn-t-know-you-could-freeze-slideshow

Slow Cooker recipes: theheartysoul.com/slow-cooker-recipes/?t=HHL

BREAKFAST

Porridge Oats are filling and can be made with water (or half-milk and water) - add a spoonful of honey or jam in centre of bowl for more flavour.

Peanut Butter on toast (or in bread for lunch-time sandwich)

Nutella on toast (or in bread for lunch-time sandwich)

MAIN MEALS

Top Tip: if you have herbs and spices use them to flavour everything up. If not, buy some value stock cubes. I think you can get a box for about 19p. They add loads of flavour to mince/lentil dishes

Tinned sardines/pilchards can be mixed with mash and frozen veg then fry to make cheap fish cakes. (Substitute tinned tuna/pink salmon as alternative)

Flavoured cous cous with some frozen peas and chopped up roast chicken. Buy some marked down chicken portions, roast in oven and chop up. Put some herbs mixed with tomato purée on before cooking to give a little flavour.

Spanish omelette - onion, potatoes, eggs (and add stuff from the fridge like peppers/meats etc.) Alternatively, Mini omelette muffins: allrecipes.com/recipe/paleo-omelet-muffins/

Boil rice in a chicken stock cube for flavour and add shredded chicken and frozen veg.

Home-made Chicken Soup: www.noreciperequired.com/recipe/homemade-chicken-soup#

Minced beef, chopped tomatoes, kidney beans and chilli sauce = chilli con carne. Serve with rice. Add lentils to make into two meals.

Cooked chicken, rice, peas = risotto

Turn sausages into meatballs and serve in pasta sauce with spaghetti. Just skin the sausages and roll the meat into balls using damp hands.

Boil the chicken carcass with carrot and a bit of leek. Drain and keep the stock. Strip the carcass of all the loose meat and add to the stock with more carrot and leek. Add some sticks of spaghetti broken up into inch long pieces and cook through until everything is tender for chicken noodle soup.

Tomatoes, carrot, leek, cabbage, peas and pasta in soup = minestrone soup (I use water, stock cubes and a pinch of mixed herbs for flavour)

Tuna with baked potatoes and salad.

Cheese and pasta = macaroni cheese. Serve with the cut up hot dog sausages stirred through for another meal.

Cut potatoes into wedges and toss in a little bit of oil. Cook in the oven and serve with omelettes made from your eggs.

Fish finger sandwiches are the food of the gods. Serve with wedges and any leftover salad to bulk out.

Using left-overs:

(1) Break the chicken carcass up a bit so it fits in a saucepan, cover with cold water. Add the end bits of a couple of carrots, ends of the leeks (save the edible middle bits) add salt and pepper, bring to the boil and simmer for about 40 minutes with the lid on. Drain and reserve the stock. You could use the stock to cook some rice in then add the chopped chicken and some peas or use it as a soup base adding chopped veg, potato, lentils really what ever takes your fancy.

(2) If you have a bit of flour you could make a well seasoned white sauce and add the chopped chicken along with some sauted onion or leak and a handful of peas, serve with rice or mash.

(3) Make minced meat go further by adding some lentils then you can do spaghetti bolognese, chilli etc.

The Complete Meal Plan Collection: forums.moneysavingexpert.com/showthread.php?t=346932

Pan Haggerty: allrecipes.co.uk/recipe/5658/pan-haggerty.aspx

The 10p beefburger: www.theguardian.com/business/video/2013/aug/12/jack-monroe-cooking-breadline-video Add extra seasoning and a splodge of tomato puree as well. Jack Monroe's site is a godsend for cooking on an extreme budget. She's also very cleverly cross-referenced her recipes by ingredient so if you need to use things up - go there.

LUNCH

Buy a marked down loaf and freeze it, defrost a couple of slices at a time when required on top of the toaster or under the grill. Tinned sardines can be mashed down and spread on bread.

mini omelette muffins

Don't forget to do FreeStuff

Lentil Soup via Dithorydora:

Use olive oil or butter or cooking oil to gently fry an onion - and a couple of garlic cloves if you have them. Then add some red lentils, about a cup full, and then vegetable stock (about 1 litre). Boil it all gently until the lentils are soft and you have a soup like consistency. Add salt and pepper as needed. Mine tends to vary depending on how much stock I add, but if its too thick you can add more water. If you have milk or cream you can add a dollop but not necessary. It will keep in the fridge or you can freeze.

This recipe also works well for using up any vegetables which are a bit on the turn (or the kids refuse to eat them).

Nut Roast via noeffingidea

Equal amounts of chopped mixed nuts and dried stuffing mix. The cheapest way of buying mixed nuts is in the homebaking section, they're about £1 for a bag. A box of sage and onion stuffing mix is 15p (sainsburys basics). Just make up the stuffing, stir in the nuts and bake as usual.
This is nice cold as well, with salad or bubble and squeak.

Lentil Sausages via noeffingidea

2 tablespoons of red lentils, to 1 teaspoon of crunchy peanut butter (basics again). Cook the lentils for approx 10 minutes until they go soft and mushy and as dry as possible. Add mixed dried herbs/spices (I like smoky paprika, but whatever you have in helps). When cool stir in peanut butter. Add a little flour/breadcrumbs if the consistency is too runny. This makes 2 sausages or 1 'burger' , so multiply ingredients for the number of servings you want.

Pancakes via GoulashSoup

Use up whatever is in the fridge for savoury ones, leeks with cream cheese, ham spring onion and cheese/cream cheese or even cheese triangles, mushrooms and garlic, frozen spinach, diced tomatoes, in what ever combo you like. Followed by raisins and butter and sugar, Nutella, honey.

Spaghetti Spiders via GoulashSoup

Chop sausages into inch chunks break spaghetti in half and push 4 pieces through each chunk. Boil up with lots more spaghetti with a tomato sauce made with tinned tomatoes, garlic, dried herbs, fresh herbs, whatever veg needs using (grated carrot, grated courgette, mushrooms, peppers, tomatoes etc). I like to add salt, pepper, paprika, a pinch of sugar and a dash of vinegar to make it super tasty. The sauce is great to freeze. Also good if you have ham or bacon to use up just chuck it in.

Chickpea Rice via GoulashSoup

Tinned chickpeas, onion, garlic, tomato purée (don't want it too wet so not tinned toms), garam masala/curry powder/cumin seeds/chilli powder to your taste. Boil rice, layer rice spoon over chickpeas, top with more rice. Brush top with oil and pop in oven till top a little crispy. Serve with yoghurt or mango chutney.

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Additional suggestions for saving money on food

Compare and Save on a supermarket shop - save up to 30%

StaleOreo · 12/07/2016 17:43

Any news from Margaritte recently?

annaslis · 04/07/2018 12:43

if you have any credit cards etc stop paying them and think about going into a debt management program... i saved a hell of a lot of money by going with one which ment i had money in my pocket. i went to step change but got into more of a mess with them.

LyndseyKola · 04/07/2018 12:46

🧟‍♂️

TheAvengers33 · 04/07/2018 13:27

OP,
dm me and I'll put in some money into your account until you get paid. You can pay me back once you've been paid xx

TheAvengers33 · 04/07/2018 13:28

Sorry, too many messages so haven't read the whole thread if someone else has already offered this x

Tomatoesrock · 04/07/2018 13:35

TheAvengers it is a zombie thread, though you a very kind person to offer to help the OP.

Tomatoesrock · 04/07/2018 13:45

You are.

ArianaMini · 04/07/2018 16:54

It is misguided, not kind.

Would you encourage your kids to give money on the internet?

PolkerrisBeach · 04/07/2018 17:04

Totally misguided.

If you want to feel you're helping, stick some groceries in the trolley for the foodbank. Don't sent money to randomers online, and certainly not randomers who were in financial difficulties in May 2015. Hmm

ArianaMini · 04/07/2018 17:06

This whole thread is pretty shitty actually.

Neverender · 04/07/2018 17:09

I have a pack of size 4 pull-ups we don't need (too small) if that helps? Just to say, if people don't know you're struggling then they can't offer to help you out. My friend needed a dress for a do and didn't have any money so I lent her one of mine. If she hadn't have told me I probably wouldn't have offered. And it's worth seeing if anyone is going to M&S anyway and ask them to swap the voucher for cash. Then you can buy food somewhere cheaper and have real cash left over. Check old handbags for the odd quid.

Neverender · 04/07/2018 17:10

Oh fuck..zombie!

isseywithcats · 04/07/2018 17:39

ZOMBIE THREAD from 3 year ago im sure the OP has sorted out food for her family by now

ThePants999 · 04/07/2018 17:42

FGS annaslis, how did you even find this thread, much less think it appropriate to resurrect after three years?

ArianaMini · 04/07/2018 17:44

It’s concerning how many posters who clearly haven’t read beyond the first post are keen to throw money at the problem.

LornaMumsnet · 04/07/2018 18:58

Hi all,

This thread is quite old and so we think it's best we lock it now.

We'd also like to remind everyone that, although we're awed daily by the astonishing support our members give each other through life's trickier twists and turns, we'd always caution anyone never to give more of themselves to another poster, emotionally or financially, than they can afford to spare.

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