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You know you're truly skint when...

999 replies

ratflavouredjelly · 11/05/2012 13:46

I've decided to humour myself and start this thread laughs hysterically. Anyone care to join me with their stories. Maybe we can out skint each other...

So, you know you're truly skint when:
Shopping in charity shops are no longer ironic.
The middle of the month arrives and you panic about feeding the family.
You can not afford the petrol to work.
You're growing your own veg but cannot stretch to compost to enrich the soil.
DS and DD's shoes are too tight (something you never thought you would allow to happen)
Your bra is too tight, buying a new one is out of the question, so you just 'get used' to the pain.
Yadda harumph harumph

OP posts:
Thingiebob · 20/05/2012 00:07

What are people selling on ebay?

TwllBach · 20/05/2012 00:44

Katespade I was a student last year, training to be primary school teacher. When I was training I was convinced I would get a joband avoid being poor permanently.

What actually happened was this -

I did find a teaching job, but in Suffolk. I spent a thousand pounds on going to interviews right across th country, petrol money and over night stays as they were in places like Cornwall, Hampshire etc and I was living in north Wales. DP and I would never have been able to actually afford to move to Suffolk because although he worked full time and I had a pretty much full time summer job, these things are expensive. I took out a graduate loan of 4k and used 1.5k of it to go back to Suffolk, stay over night, house hunt, put a deposit down, while also paying a bit towards the rent in Wales because I had to have time off fr my summer job to do it.

Bear in mind as well that to train as a teacher you have to do placements. Unlike on NHS courses, you don't get your travel fees reimbursed and because I am not fluent welsh, my placements were often quite far away and obviously I could t work while on them. Although I had a summer job and another job during lectures, petrol and food costs have spiralled in the last three years and me and DP live on our own, not with our parents, so I eventually racked up a 1.5k overdraft.

So, last August, I had a 1.5k overdraft and had sort 1.5k of a loan, but it was ok because we had a house to go to in Ipswich and I had a teaching job, brilliant. We packed the house up, hired a van, handed in my notice.

The day before we were meant to leave, I found out I was pregnant. We panicked. I've always been desperate for a family and had a miscarriage nearly nine moths previous, so I was worried about the stress of a move and of a new job. We didn't know anyone in Ipswich and don't know how far along I was, so wasn't sure if I would qualify for maternity leave. We have a support system in Wales and DP had a job and it is always where we intended to return to to start our family. We chose to stay.

DP kept his job and my summer job boss took me back on a SE basis so he wouldn't have to pay maternity. I lost the baby. I am paying back £120 a month for the loan and it is quite crippling.

We moved in together over five years ago when the recession hadn't started, or at least when it hadn't started making such an impact. If we had not done that and stayed with our parents, perhaps we would have more money. The year I started the teaching course we were still being told there were plenty of jobs. I chose to keep my baby instead of start my career because abortions are not for me and I was worried we would be in a horrendous situation if ER continued with the move to Ipswich.

DP and I are in the situation we are now because of a combination of bad luck, the economy as a whole and bad decisions, however well intentioned. The weeks during and after my miscarriage were extremely dark - I had to keep going in to work because I couldn't afford to stay a home and I was in a very bad place. All through my training I had one or two jobs, even if I didn't work during placement. We are both hard working, we both didn't want our lives to be like this, but here we are. All we can do is make the best of it and hope for a change in fortune.

What are you studying? Are you guaranteed a job at the end of it?

TwllBach · 20/05/2012 00:48

Sorry - that's quite a long post!

Basically what I mean to say is, this wasn't the life we had planned for ourselves, but life happens. You can't plan everything and you have to roll with the punches.

Badvoc · 20/05/2012 02:23

You know what they say...."We make plans and the Gods laugh"

So very true at times.

Ds1 has sen. The last 2 years have been the hardest of my life. I havent been really well since ds2 was born 3.5 yrs ago. I have just had to have an endometrial biopsy and a back operation and I am anaemic into the bargain!

I am 40 this year and feel (and look!) 60!

We had to move schools because of ds1's problems and have now moved back to my home village and ds1 is now happy at school and making good progress and I am happier too BUT its come at a huge cost, both financially and emotionally. Dh and I went through a bad time last year prior to selling our old house when I basically told him "The dc and I are moving. Come or dont. I dont care" I think that was then he realised just how unhappy and desperate I was.

We moved in Dec last year. In Jan the boiler broke. In feb the conservatory roof started leaking. In march the fridge freezer, hob and oven all stopped working in the same week. Oh, and the sink cracked (ceramic) So. In the first 3 months of this year we spent £4k. No choice. We have young dc and they need heat, hot water and hot food.

All our savings are now gone and we owe my parents £1k which, frankly, I dont think they will never get back Sad

I am really concerned about the future. We have no savings now. We have a cc debt of £4k....0% interest but its still a debt we have to pay back.

I cant feasibly work til ds2 starts school (sept next year) and/or my health improves. I am looking to re-train but the course that was £650 last year is now £2500...sigh.

Dh travels with his job and this means I cant do shift work (will not always have childcare in evenings and weekends) and I cant get an admin job (which is what I did before dc) as I have been so long out of the workforce i am considered pretty much unemployable Sad

I want to sell my car but dh says no...he has a point I guess as it is an asset. I need it for hospital appts etc but its such a luxury and I am finding it hard to justify it to myself and with the price of fuel I am not using it much anyway!

WetTheMogwai · 20/05/2012 03:31

When you spend the baby's birthday money on the big shop :( don't think I'll ever forgive myself for that

When your mum buys you a sewing machine for your 21st instead of driving lessons because it's 'more economic' grrr

When you learn how to make an onion and 2 slices of bread last for 3 days

When b&m is your favourite shop :D

PullUpAPew · 20/05/2012 07:13

WetTheMogwai I too have spent all the kids' money on essentials. I don't feel guilty because it was the sensible thing to do, but it does make me a bit Sad

Mibby · 20/05/2012 08:04

revolution try Over here someone may heve shoes or even an iron

Badvoc · 20/05/2012 08:16

wet dont beat yourself up. You and your baby need food! An aunt of mine once told me that "babies only need 2 things...food and love". I am sure your baby has both.

rev Have you tried freecycle for an iron? I think my mum may have one she doesnt use anymore...I will ask her.

RnB · 20/05/2012 08:58

If anyone needs a load of baby girls clothes (I've already given the tiny stuff away, but from 9 months onwards) please PM me as I have lots for collection or I can drop to you if local. Am in Hove.

headfairy · 20/05/2012 10:00

We're not in as bad a position as many thankfully, but for me my second mat leave, plus having to work set hours and set days killed my income (I get paid more if I work fully flexibly, ie 24 hours notice for shift change, completely unpredictable shifts etc). There's no way I can work like that because childcare would cost more than I'm earning. We also had to find emergency childcare for a couple of months after our childminder let us down with only 4 days notice which ate up any savings we had (it was costing us £1500 a month).

As I'm sort of public sector I have had my income slashed anyway, down 12% in the last three years in real terms according to our union. I've just lost my pension too so I will be working well in to my 70s.

One thing we do have and I'm eternally glad I stumped up the extra cash for is mortgage payment protection. If I'm made redundant our mortgage is paid for a year, if either of us is diagnosed with a critical illness and are unable to work the mortgage is paid for a year also. Does anyone else have that? Has anyone successfully claimed because work are now talking about compulsory redundancies and I would be heartbroken if the insurers found a way to wriggle out of paying up ("oh you didn't say you were public sector, that changes EVERYTHING").

DaisyMaisyJessicaEmily · 20/05/2012 12:55

THIS thread should be made a Discussion of the Day so that everyone can see it's not all Boden and Jo Malone and Waitrose....

itdoesnthurttohavemanners · 20/05/2012 13:05

Meanwhile on another thread, people are talking about private school fees and 'what type of house should I expect for £600k?'....ahh LIFE!

DaisyMaisyJessicaEmily · 20/05/2012 13:38

And where to go on holiday.... what's a holiday? Confused

oiwheresthecoffee · 20/05/2012 13:53

You dream of bein able to buy anything other than value brand.
You know you ve made it and are rich when you can buy innocent (on offer clearly) smoothies....as a treat.

JugglingWithTangentialOranges · 20/05/2012 14:34

We usually pay birthday cheques from DGPs for the DCs straight into DHs bank account (they are made out to him since DCs don't have an account) and say to DGPs that it's going towards their birthday party (which is quite true really)

  • Just we can't really afford to use it to buy extra pressies for them, we're too broke. Don't feel bad about using money for what you need to use it for Mogwai Smile
KateSpade · 20/05/2012 15:21

Im studying fashion design twll Ive taken a year out and worked in the industry, work experience, for free and had a baby. I know it will be blooming hard to get a job without moving to london, and my friends that didn't do the year out are struggling to find jobs. The reason i only took about 10 weeks maternity leave was because no work experience = no job in this industry.

Ive done my year now, so am going to start back at my part time job soon, then uni again in September, I'm really beating myself up, because i know if i hadn't of had my DD i could do what the hell i wanted, of course i love her, but its going to make things a million times harder.

Luckily though, i have a very supportive family, whom me and DD live with.

revolutionconfirmed · 20/05/2012 15:32

I'm dreading shopping in Iceland tomorrow. I have a tight budget and mouths to feed. I have to get cleaning stuff from the poundshop and school shoes too so it all adds up and although I get all benefit tomorrow by about 4pm I'll have £5 for the week.

TwllBach · 20/05/2012 15:57

kate oh I think I remember a thread of yours a while ago - did you post about not being sure about taking some of the work experience? It sounds like things are going well for you Smile

KateSpade · 20/05/2012 16:22

Yeah, i got offered a job as a designer i wanted to take it, however i didn't because i could have only done it for a few months and then i would have had to go back to uni, which wasn't really fair on the employer, i got offered it, i didn't apply. + i was relying on family childcare who are off on holiday for the whole of August, and i couldn't change my nursery start date. It was the right thing to do, because it just wasn't the right time.

Things are going pretty well ATM, i still have a £1400 student overdraft, but i have already paid that off once. I am very lucky to live with my parents who support me no matter what i do.

TheMonster · 20/05/2012 16:37

We did a £50 shop today, but had a load of vouchers, and £20 of nectar points, so it cost us £18. I was really pleased.

Marvellous · 20/05/2012 16:44

Is anyone on this thread a reasonably tall size 22? I have a bag of clothes (some woolies, some lighter stuff) that was waiting to go to the charity shop but I will very happily pass it onto someone who needs it. Send me a PM if that sounds like you.

TheMonster · 20/05/2012 17:00

Marvellous, check out this thread.

TheMonster · 20/05/2012 17:01

Hang on, I buggered that up completely...

nkf · 20/05/2012 17:01

I'm using vouchers too. Never even noticed them before. Just got back from the supermarket but no last minute bargains. Bought a chicken. Two meals. Am just hanging on till Friday.

TheMonster · 20/05/2012 17:02

this thread!