I've just ruined my night/week/month/Christmas.
I just checked my bank account online to see what the damage was now I had caught all my bills/debts up to date and paid the months rent and my bank account is showing £48 available to withdraw that is including my massive overdraft.
I'm actually not sure what I'm going to do, as some of you know I'm a student with 3 young children and my DP. My DP isn't allowed to work and has no re-course to public funds until his immigration status is resolved (applied for over a year ago have been told to not expect a reply until July 2010). So I have 3 youngs children and a dependant adult (but I don't get any help for an adult dependant because I'm not allowed any money for him).
So I recieve my student loan (every 3 months) and some tax credits and child benefit. I am not entitled to full housing allowance because I'm a student and because I have a joint tenancy with DP so they only allow me to claim half the rent despite having 3 children home and DP unable to gain any finances (it doesn't even work out at half due to my student loan being taken as a wage)
So I thought I was ahead of the game, talking on an Xmas thread the other day I revealed I had bought the DC's main presents (off a catalouge) and some tins of sweets and mince pies etc. Very smuggly thought I would be all done by the end of November. I had no idea my bank account was in the state it was.
You see we were robbing peter to pay paul over the long Summer break and had to pay everything back that I owed (£2400 not inclusing my overdraft) thats with moving costs etc so is extra high because of that, and the DC's all needed new winter shoes and coats and a few bits of clothes due to growing (damn those kids).
So I have £48 and then approx £800 a month in tax credits and child benefit. I have to top up out rent by £400 a month (no way I can miss that) then feed and clothe a family of 5, pay bills etc.
The end thing is I won't be able to afford to pay those everyday things let alone afford Christmas. We don't get anymore money from the student loan bods until January 4th.
So answer me this what the bloody hell can I do, so far I have 1 present for each child (dolls house for dd1, pram set for dd2 and camera for ds) some boxes of sweets, mince pies and an Xmas pud. I can't borrow money from anywhere, I have approx £100 in credit left on my catalouge but will be missing my
payemt due tomorrow so may not be able to use that (tempted to make a quick dash purchase of stocking fillers for kids)
I just do not know what to do, we can't afford decorations, no christmas food, jesus we can't even pay the bills how can I spend a penny on christmas. Bloody hell, stupid bloody bank account. I'm actually feeling guilty for the chips and after 8 mints I bought earlier whish I had checked my bank account before I would have saved pounds and calories!
Fed up, pissed off, really unhappy Now I have to tell DP how bad it is.