To be so sick of being broke?

[PrincessC0nsuelaBananaHammock]

This is pretty much just a moan really. I'm already doing everything I can to try and improve our situation financially. Although nothing's working atm. 😑

Both DH and I work full-time, on minimum wage. Me 45 hours per week, him between 40-50 depending on the week. And we still can't make ends meet. I'm talking having about £50 left in the bank 2 days after payday because all the bills have come out.

Not entitled to any benefits as earn too much for UC (on MW? 😐). Kids are grown up (22 and 18) but still living at home. DD1 is in college and on UC and waiting to see if she's entitled to PIP for her autism. DD2 is starting uni next month and works part-time herself.

I'm just so fucking sick of the cost of everything. To the point I'm questioning whether I can afford to buy a £6 pack of Benadryl for my fucking hayfever! 😡

Applying for multiple better-paying jobs every week and getting bloody nowhere! Urgh.

We have a house eith a much cheaper mortgage in another area but it is rented out.
Our main priority is area we live in and space for various reasons, family, schools, whole ND family who can not live on top of each other, garage space needed etc. Due to the age gaps of our kids and the 1 mile catchment, we dont want to move out of the 1 mile catchment.
Plus the cheapest three bed in our area is about 2800, our rent is very cheap for this area as the house is very old!! Think pink bathroom suite old 😂would be at least 6k for a fully renovated version!

Your wage should be sufficient, but understanding that the cost of living is having a huge impact on families.

We've a similar setup, all work, bills and stretching out the months money.

I'm counting money already with 13 days until payday, the back to school expenses are eye-watering, trainers, school supplies, after school activity renewal membership, my heating oil needs a fill September, then it'll be Christmas. 🎄 more spending.

We should be comfortable, most living essentials have doubled in price.

You don’t need to spend a fortune at Christmas!

We're still buying for nieces and nephews, some in their 20's.
I'm going to suggest doing a secret Santa.

Secret Santa sounds like a good idea, or stop buying, or reduce the amount you spend.

It drives me mad when people spend a fortune at Christmas, particularly if they can’t afford it. It’s one day. It happens every year.

I stop buying for young people as soon as they reach 18. I usually give them some extra money for that birthday, but I don't give anything after that as otherwise it just gets ridiculous!

But, due to school aged children, you'll almost certainly be in receipt of very significant UC payments + child benefit and your household income will be much higher than the OP's.

I found heating oil cheaper in August, especially in a heatwave. We've just ordered our logs.

This has to be a troll. I can’t believe her husband supposedly struggled with working whilst trying to get qualifications but he rejects an opportunity for promotion that will add to his cv and lead to a higher salary elsewhere. Bad choices all around

I am not living in the UK.
Two parents working on minimum wage aren't entitled to top up benefits in Ireland, UC payments doesn't exist. Unless you're single parent and working PT.
I work 30 hours.
No one working past part time receives government top up.
Child benefit, yes, but no top ups.

@EmeraldShamrock000 can you not claim WFP?

No, as a couple, threshold is low.
Plus, with WFP there is no extra payment for an another adult.
It only benefits single parents working part time or couples with a lot of children.
FT single working parents are eligible to claim the bare minium payment.
Two parent's on minium wage would be way over, the maximum earning to qualify is approx 600 a week.

No WFP you must work 38 hours or MORE per fortnight.
they also based on your net income. so if you earn less than 806 per week after tax and have 2 dc then you’ll be entitled

We both work, so over the amount.
I'm not complaining. I wouldn't expect a top-up as we're both working.
Not loaded but surviving.
UC has a much higher threshold, I think, if middle professionals are entitled to something.

But what’s your earnings combined if both on min wage? Net earnings that is?

OP, have you heard about the HUGE price hike on Mounjaro next month?!

Why would you do this to the Op when the price increase you’ve mentioned is right now nothing but the internet getting its knickers on a wise.

If you go back to that thread and look at posts from the therealgoose you’ll be well informed about this situation

I just came on to ask this. It's shooting (ha) up in price from September.

Skyrocketing inflation is hitting families real hard. The root cause of this? You guessed it. Brexit.

Really? You’re suggesting the price increase is rumour and not established fact based on bringing UK prices inline with rest of world? Okaaaay

Yes. I did because of some very sound information that was posted on the current thread. And I still believe that the increase will be no where like as suggested on the thread based on what the poster said. But instead of questioning me - why don’t you question yourself as to why you couldn’t wait to bring the price increase to the attention of a woman who’s broke and struggling already. It’s almost as if you couldn’t wait to throw water on her and give her something else to be upset about, then hear her say she’d have to give up Mounjaro. I hope you’re proud of yourself.

A higher salary elsewhere? Luv, not everyone is fucking middle class in jobs with massive career progression! He's a bloody milkman! The "promotion" involved tons of extra responsibility, plus a shit ton of extra manual work (on top of what he already does), extra work that would ADD to the unpaid hours he's already doing, AND working an extra day a week supervising. He already works five fucking nights per week, then they want him on a Saturday day time! No it wasn't worth working himself into the fucking ground for. There is no career progression after the supervisor role, that's it!

OP is in contract with SheMed fir the next 6 months to pay £99 for her Mounjaro.

I think people are suggesting your husband could have taken the job, done it for a bit, updated his CV and then applied for other supervisor roles that may have paid more with more sociable hours.

Do the old zig zag to improve his pay and conditions.

obv your debts are the reason why you are struggling

£450 a month on g&e is a huge amount plus all other debts

when will these be paid off ? As that will help

again using jabs at £100 a month is a lot when on nmw and paying back debts and maybe worth taking a break - tho in the news costs are increasing hugely in sept so you may not be able to afford it then ……

why is dh working 40/50 hrs but being paid for 35?

he needs to get paid for the extra hours or find another night job - and tbh night jobs are usually more then nmw so that’s something to consider

rent is so cheap

i cant rem if you are on uc - it if you are then you can get bt WiFi a lot cheaper under a social tariff which is £22 a month @PrincessC0nsuelaBananaHammock