Advice needed, please

[NeedMoneyAdvice]

DH and I have just found out we are about to lose £500 a month income.

I had started another thread, but I was advised to come here for some advice. We don't know what we are going to do and I wondered if anyone could help us. Name changed because lots of these details would out us.

We have just taken on an 18 month lease with a letting agent. We have spoken to them this morning, and we cannot break this. We could simply not pay, but we would lose our deposit, and would struggle to find a landlord that would take us on if we did this.

We currently earn about £30k between us, take home about £23k.

Rent is £1000
Council Tax is £200
Gas and Electricity is £190
Phone/Broadband is £50
Childcare is (currently) £350
Car insurance is £60
Car payment is £140
Petrol around £80
Home insurance is £20
Gym membership is £75

Think that is everything. Obviously, this leaves us over budget. I genuinely don't know what we will do without this money?

We aren't entitled to any benefits, including WTC and CTC.

I genuinely don't know what to do.

happy you have actually made me cry again. You are bloody horrible.

I don't just work in a bar.

I can't do this.

I can't. I am sorry. Thanks for the good advice. I can't take it anymore.

People here are horrible. I just want help.

pmsl at "ask me a question and I will answer it"

You need to forget your credit rating. I had to and it doesn't feel great but I had food on the table and was able to move house.

There is no answer.

I can't help my family.

People are mocking me. I just wanted some help.

There is no solution. I can't go on like this. This is awful. What have I done?

I honestly think you should stop posting. There is just no point to this. No one can help you given the shifting facts. If you genuinely do need help, start calling debt charities today and get yourself an urgent appointment. Your DH needs to take a day's leave and do it with you.

I agree with jonsnow. Also, credit ratings can change quite fast if dh does suddenly start pulling in the big bucks. You need to come up with a proper plan to get some sort of career going too, otherwise debt'll always be an issue.

I can't carry on.

I can't take it. I didn't realise I was so fragile. I thought I was strong.

I can't take abuse and mocking. I can't cry anymore.

I have ruined my family. I am going to leave my babies homeless. It's all my fault.

Best post, Angela

Your DH needs to take a day's leave and do it with you.

This is the best piece of advice I've seen so far in relation to this OP.

If you would just be straight with us, you would get good advice.

If you don't want to post full and accurate details, the internet is not the place to seek advice.

Have a cup of tea and see if you can find a specialist welfare rights advice service. Specialist.

england.shelter.org.uk/

www.citizensadvice.org.uk/

Contact both of the above. You need to find out how to get out of your lease and contracts, ASAP.

You can't get outed as such as you have name changed so whilst someone could recognise your situation, they couldn't link it to your presence on MN under another name. I think that on both threads people have got very frustrated by the way you have changed details inconsistently which makes the advice harder to give.

For example: people suggested asking your well paid SIL for help but you said she had spent all her money buying her house. Then you said PIL had bought her house as a gift.

Also, your income and your husband's income have been given as drastically different sums, ie in this thread you have said he earns 20k and 11k - that's a big difference and affects the advice people can give you.

You have said you have two jobs and also three jobs. You have said you work in a bar, but can work from home.

Might it be better to calm down about being identified - your situation is quite desperate and people are going to know about this anyway, I'm guessing - and actually explain your situation clearly and honestly.

I don't doubt that you are in dire straits and feeling terrified but what you say doesn't make consistent sense and it's all quite crucial financial information.

It sounds like a debt charity would be a good place to go for advice and I am sure they will be able to help you get out of unmanageable contracts etc.

I'm sorry but I'm failing to see the inconsistencies?

She's given different earnings for her DH as one was before, and one after, tax. She's explained why she said her rent was more on the other thread.

You posters on here just to out her as a troll are just as bad as a troll. Is this your entertainment? Meticulously picking apart a thread to discover slight discrepancies? Half term really does bring out the weirdos…. I've never seen anything like it, I'm embarrassed for you.

If your son is not even 2 yet, surely at this age it doesn't really matter if you change school? Plenty of time to worry about Ofsted/HME.

And why are you only taking 4 weeks maternity leave? Take more time off and then you won't have childcare costs for the period you're off - and you do qualify for some maternity pay, surely?

Is there no way that the £500 a month could be reinstated? Or could you not borrow a little money from your parents to at least tide you over until your DH is qualified?

I haven't read your other thread, and I don't know what you do, but your income is very, very low - is it possible you could look for a higher paid job when you're ready to return to work?

Nope, Miren. Several inconsistencies within this thread. Honestly.

Inconsistencies that make a huge difference.

Whaddafark - maybe you should walk away from this thread? Judging by the caps it's not doing your blood pressure any good.

Seriously - what is wrong with you people, if you don't want to help, or the threads annoying you, don't get involved! I just can't understand this…. you're just being a bitch for the sake of it.

Sorry, I cross posted with your most recent posts. The internet isn't helping you - I second the advice to go with your husband to a debt advice charity and I am sure you will work something out. Good luck, OP. I t must be scary and awful right now but you will come through it ;

fideline - so? So what?! Just hide the thread, surely?

To be fair it's a pretty shit troll if it is one. I mean honestly - get a hobby

Miren! People don't want to help? Seriously? Have you read the thread?

OP you need to start fighting. Make a nuisance of yourself with the gym and the letting agent and energy supplier, phone etc - squeaking wheels and all that. Challenge HMRC. Use debt charities. Be really, really proactive. Don't take no for an answer. And get your DH involved.

We can't do this for you. As many of us have said, there is no magic wand.

OP - book in to see someone from the local CAB. Failing that, maybe there's someone at your local job centre that could help. I remember seeing a lovely lady at the job centre after my situation changed drastically and she was fantastic - completely sorted me out!

Miren OP posted yesterday under am I being unreasonable? It's clearly same person but different story lines. In this post I don't think anyone is being nasty...just very frustrated!

I may have missed another poster pointing this out but your cb will go up from £80 to an extra £13 a week. Also when you have two children I think you will be entitled to tax credits even if just for child care. Just apply even if you think you aren't entitled.