Hi.
I don't have any debt apart from mortgage.
I'm a single mum working two minimum wage jobs.
I was in a well paid job last year where I'd been for fifteen years, lots changed which made it difficult to carry on there.
I was offered an alternative well paid job nearer my home, school hours but was let go in February when they decided they wanted full time staff.
I have disabilities so couldn't do full time hours, hence now doing two jobs and practically working full time anyway.
I'm struggling to find work which pays as well as my old job. Salaries seem to have gone backwards in the last ten years, plus I have messed up my CV by losing my job and doing casual work in the interim.
One of my new jobs has turned out slightly different from the ad inasmuch as there's a lot more evenings/weekends than advertised.
I currently have tribunal bubbling away in background from job I lost so also have that as a stressor.
I receive tax credits but this month because of school holidays my childcare costs are £1200 which I'm going to have to pay from savings.
I have been using savings all summer to pay for boiler etc, there's nothing left after childcare costs and then I feel completely vulnerable!
I'm absolutely exhausted because of my health condition and constant stress and panic about work and keeping our house.
I am completely overwhelmed and can't think straight where money's concerned, my brain is overloaded and I'm not sleeping well. I'm in permanent pain as stress worsens my condition and I seem to have a permanent headache now too.
Sorry this has turned into a whinge. I just really need some help. I can't work out how to budget, how to spend less and how to stop panicking.
I have no family support and feel completely overwhelmed and I don't know how to cope.
I really want some practical help. I know there's lots of people here who have it together so thought I'd give aibu a try!
I've been on MN for ten years just frequent name changes each time I've overshared.
Are there any simple budget apps I can use? I don't have any brain power to create an app.
We tried a lodger but it was a disaster. My kids are small and it really unsettled them.
Are there any wfh online jobs I can do in the evenings which pay well?
I'm in a shared ownership house and the mortgage offers are few and far between.
I don't earn enough to get a mortgage in my own name (ex husband name is still on the mortgage although I'm fully responsible).
I've been to GP ref my stress levels and he recommended CBT which is all we have on offer in our town. I barely have time to make appointments and with no childcare support in the evening CBT is very hard to access. My ex husband works odd hours and is my only support apart from childminder.
Any ideas gratefully received. I feel like I need a fairy godparent to magically put everything together for me as I'm running on empty now!