I cant afford my rent anymore!!

[Purplecrocsrock]

Me and DH, and DD whos 14 months signed contract 4 months ago £875 a month, DH earns around £1600 a month, but we have been constantly living in the credit card since we moved in, paying energy/council tax/water and car insurance has just increased by 40 per month.
What will happen if we find somewhere cheaper, with the contract we have signed for 12 months here?

If you’re a full time student you’ll get a 25% discount on your council tax; you just need to take a letter from your university to your local council office.

Rent before catalogue debt!!!

I think the car insurance needs to be looked at carefully, that sounds way too high to me.

You can get the phones down a lot (unless they are still in contract, better to buy cheap phones and own them), I pay £6pm for mine, if you changed them both to that it's a saving of £30pm.

Really, really think about use of electric and water etc.

Free exercise - walking, running, cycling etc, things you can do with the baby too. Get a DVD for other stuff, no gym.

See CAB and see if you can get a debt management plan to get your payments lower.

Good luck with the care job!

It almost sounds like you would be better off selling the car for 50 quid to get rid of it and buying something you can afford to insure. Or have your DH use uber to get to work for a few months after selling the car for 50 quid.

In your situation I would:

1. Make an appointment with Stephange
2. Start researching car insurance on cars you can afford to make sure you don't make the same mistake again.

3 have a serious chat to your DH. He is coming across as a send thrift who doesn't take this seriously and needs a reality check about how dire your situation is. 4 look into other ways for your Dh to get to work. Could he cycle? Good exercise and much cheaper than running a car 5 look for better deals on phones and all utilities and try to spend 5 quid a week less on food 6 use reuse able wipes / facewashers

Good luck, I hope things improve for you soon and that the job interview goes well

whats the point of paying over 3k for a car worth a fiver its ridiculous

dont know why its so much unless youre both 17

hes not really trying is he he wont give up his gym membership which is a luxury

Could you get a weekend job?

The catalogue company have lied to you, the burden of proof is on them. It is not up to you to prove that it wasn't you, or to prove who it was instead. It is up to the company to prove it was you.

You'll need to report it to Action Fraud and give the company the crime reference number.

If you discover she, or anyone else, has done anything else like this the first step is to not pay a penny. Report to Action Fraud to get a crime reference number then call the company and report it to them as fraud and give them the reference. They should investigate. But essentially, since by reporting you would have made it a police matter and you're unlikely to report yourself for a crime, they should then remove it from your credit file and stop chasing you for payments.

You need to talk to your dh about this.
He has wasted money on this car, got a parking ticket and insists that he keeps a gym membership.
Yes I’m sure it keeps him sane etc but why should he be spending £35 a month on something while you are at home wondering how to feed the family on a tin of beans for the week.

The care work could be good - I have a zero hours contract care job and pick up more work when I can, they know my availability and ring me if someone is off sick etc
The only thing is that generally the work is available 7am - 11am and then busy again 4pm - 10pm but the times in between there isn't always the work
Obviously that varies but I do two evenings a week which gives me about an extra £250-300 per month on top of my FT job

That insurance cost is mental, I’ve been driving less than 2 years, and DH had no no claims bonus, had an accident the year before last which was his fault and he has points for driving without due care & attention, our insurance is £100 less a month for a 14 plate car!

Please look into your insurance....

Also call step change, see if they can advise you re your debts, your rent has to come first as it’s a priority.

Have you considered dog walking?

Tailster could get you set up within a day or two. You can make alright money through it.

My mum did the same thing soon as I turned 18 all I was able to do was ignore it until it was statute barred

You are living beyond your means and making some daft choices. Rent and car can be a lot less than you are paying for them. Sounds like your DH needs to grow up a bit.

Those saying husband could run/cycle to work, it really depends on his job. I run and I sweat when I run. A lot. No way could I have done it to commute as my dress code was such that I had to be clean and presentable. I know some workplaces have showers but then it means taking changes of clothes, towels etc. It’s not really practical.

Just re the car insurance - it could be high for a huge number of reasons. Your postcode, where it's parked, any driving/criminal offences, usage, type of car, how many people are driving it, how many other cars you have at home, whether or not you're married, whether or not you have children, how long you have been driving, how long you had had a licence, type of licence ...

Every little bit of information you give them when completing your quote can impact your premium. Spend a few hours one afternoon playing around with different car regs from car sales sites. If the premium doesn't come down it's more than likely your personal and environmental circumstances that are making it so high rather than the type of car.

You shouldn’t have passed credit referencing on that flat with your income. Did you put a guarantor down to help you?

I can't believe that car insurance. Thats shocking. We pay £60pm for TWO cars.

Car insurance can be very shocking. I was £200 a month when I started driving due to living where I was and being a new driver. A change of address and a few years of NCD as thankfully brought it down to a more reasonable £80 a month.

You need to get your priorities right. You have a child. The FIRST thing you should be paying is your rent. The debts, bills and everything else comes SECOND.

Yes - rent and council tax (equally important) should be getting paid above all else.

Please, please phone Step Change. They are absolutely amazing. I know it's scary but they'll help you devise a budget and will liaise with creditors on your behalf allowing you to pay them back smaller amounts each month. Interest and charges may be frozen too. It takes a good 6 weeks + to sort out though so the more you delay, the more stress will build up.

Oh yes, and council tax. They are your absolute priority bills. Even energy bills need to be second. The fact you are paying catalogue bills and gym membership over the roof over your head is insane!

Get to Stepchange pronto.

I’m amazed that you would want the landlord to reduce rent when you’re paying a gym membership.
That is a luxury, not a necessity.

Wipes - £6 - use dove bar and water in the house. Assuming you use a pack per week, this is a saving of £24 or £18 if you purchase one pack for outings.

Something not right with the car insurance.

Some people are being stupid saying "my car insurance is £10 A month" well yes your circumstances are probably entirely different.

Op has already explained why the insurance is high and confirmed her DH is trying to sell it.

OP I've just put an insurance quote into Compare the Market, with no NCD and passed for 10 years with no disqualifications and its coming out at £65 per month, how in gods name is yours £240 a month?! You'd actually be cheaper hiring a care every month!

Do you claim child benefit? That's £82 a month and you will qualify for it

Not to mention that the op says she lives in a not so nice area, that will cause insurance to sky rocket.

I can’t believe that dh says he has to have gym membership, more than his child needs food and a home?

gunpowdergelatine

You likely used your own DOB, your own licence years, your own postcode, how many other cars you own, where your car is parked, how many miles it does (and a whole heap of other data personal to you) when generating that quote.

A low socioeconomic postcode can have a huge impact on premiums. Mine was £200 a month due to where I used to live.

I used to work in car insurance when I was younger. The amount of rage I used to get from people calling up to tell me they'd moved to a new area and I had to add on an extra £10-£150 a month to their premium was unreal.

This is interesting about the insurance. www.which.co.uk/news/2018/04/revealed-the-most-expensive-areas-to-buy-car-insurance/
Half way down there is a list of areas and the cost of insuring in those areas. There is a very large disparity between the top and bottom of the list.