I'm goi g to be evicted

[fuzzywuzzyy]

So insight we have £1900 overdraft, a credit card of £1000, sofa £37

Incomings- £1152.70
£1000

Our rent is £1250
Car tax and insurance £85
Council tax £137
Petrol £200
Child maintenance £152.72
Food £150
Phones £100
Internet £49
TVs licence 12.18
Home insurance £18
Gas £50
Electric £30

We cannot afford our rent and monthly bills we are tied into contracts if we get evicted would we be intentionally homeless?

We haven't got any money or anyone we could borrow a deposit off to secure a new property and living in our area is quite expensive :(

OK I didn't appreciate that you were both working and the two figures at the top were two incomes.

Still, though, on that income you should be getting some tax credits, if you had similar income between April 2016 and April 2017 to what you have now.

Are you based in or around London? Regardless, can you move to a smaller property?

One bed is not brilliant but it is sufficient for a couple with a small child, unless there are additional needs and/ or other children are coming to stay regularly (you mentioned maintenance).

Even where I live (a relatively expensive London suburb) you can get a one bed for about £300 less than you are paying per month. I appreciate that you may not have the option of breaking the lease but as a PP said, if you are more than 6 months in, then that might well be an option.

The main option would seem to be trying to earn more. £11,000 p/a is not much, it's pretty much minimum wage isn't it, if you're working 40h per week. What job do you do? I think this is your best bet, bringing more in rather than trying to make not very much go further.

Your DH or you could earn more than £11,000 p/a as a nanny with own child or a childminder who took up to their maximum allowed ratios, to pluck a couple of random examples. I know it's not that straightforward to change career direction but really, you are not going to have an easy time till you're bringing in more.

Is he being tax efficient if he is self-employed? Is he making sure to deduct anything he is allowed, etc?

Ebay/ Schpock/ Gumtree everythhing that isn't nailed down, is my other tip, and never buy new clothes/ shoes, as they suck up huge amounts of money.

Ragusa I am afraid you are wrong

You can be deemed as being intentionally homeless if you are evicted for rent arrears, leaving before the bailiffs are called in is a totally different scenario its explained on shelters website
england.shelter.org.uk/housing_advice/homelessness/rules/intentionally_homeless

You can be deemed as being intentionally homeless if you are evicted for rent arrears

Rent or mortgage arrears
The council can decide you're intentionally homeless if you lose your home because of arrears when your rent or mortgage was:
affordable but you didn't pay
unaffordable and you knew this when you moved in

OP if you think you may be facing eviction due to rent arrears it may be worth contacting your council to see if they have a housing options department, this will vary between councils but some of them have mediation schemes where they can contact your LL to see if you can stay there some will help you move into a cheaper property and can help you with deposits and first months rent.

TBH, even if you are evicted and go to the council you may not get a council property immediately it may be temp accommodation, or it may be something out of the area, you currently live in you have to be realistic as to what you are expecting your council to provide if you are evicted and be prepared for a lot of questions as to how and why you have arrears

If you can't reduce anything else you need to reduce the rent by moving. Contact the landlord, explain you are struggling and ask to be released from the contract. That is cheaper for him than having you stop paying and evicting you. Eviction costs also come to you although it is rarely enforced.

Stop all unnecessary expenditure to build a deposit. No presents, no eating out, no adult clothes . get debt interest frozen.

If this means leaving london, so be it. There are obvious lessons for the future.

Interesting that you've chosen to spend the same amount on a couple of phones and the internet, as one of you u contributes to a child. I do hope that's because you have the child a lot?

Speak to CAB about the best way to approach the phone and internet providers, but not paying those will not lead to eviction. And that's most of your £150 saved because you can get a phone/SIM for far less.

Can you move? Based on your wages (and one is taxi which is definitely possible in other locations) it doesn't sound like you're tied to a particular city. That level of rent is crippling and on your salaries, it's beyond a bit of being careful with your budget. I'd look very seriously into moving somewhere cheaper.

Oh FFS.
I just searched your posts as I was curious where you're living for that rent.

Less than a month ago you were posting about TTC #2 next April, and you're also posting asking people to look for lines on a HPT.

How about when you can't afford your rent and you're worried about eviction and you're pissing away £100 a month on mobiles, you maybe don't have another child yet?

Time to grow up.

Likewise holiday plans have presumably been placed on hold?

\you're so hard up that you cannot afford your rent but will be TTC next April and going to the Canaries in June. Yeah, right.