Finacial help

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  • #35441 Report

    sam2512
    Participant

    Morning everyone,

    I wonder if anyone can give me some advice. I currently live on my own with my two daughters and I work part-time, like everyone I guess I am struggling finacially. I left a violent relationship this year, from somebody who borrowed money from me nd was paying it back but has now decided he will not pay me back a penny more. Now to top it all off, my ex husband is no longer working due to illness and isnt paying me any maintanenec at all. Im finding i cannot keep up with the repayments on credit cards and live.

    I currently receive Universal Credit but this dropped by around four hundred pounds this month due to me receiving a end of year bonus of about £150, this doesnt make any sense. I really want to leave my current job and is making me very down but Im scared if i change my job I will finacially be in a worse position over all…

    I desperatley need some life advice I think! Just to help me work out what I am entitled to and what I can do to get myself back in a good place finacially and job wise…. making me mentally feel better!

    Thank you for any help you can give me

    #35442 Report

    Anonymous
    Inactive

    Hello there Sam,

    Good to hear from you and likewise good morning. Monday mornings are quite peaceful at this end and DD off to school second week of term and I’m glad for a bit of routine. I do like this site, people in the main seem very understanding and practical.

    Yes, you are right, many of us are struggling. I sit there with my notebook and no matter what I do often the sums don’t add up. So I’m putting down random thoughts in a bit of a list here, hoping something might be of use:

    1. Visit to Citizens Advice. There might be something you have missed on the benefits front and they can check for you.

    2. Website called Turn2us in case you can’t get in to CAB think they have benefits calculator. More useful possibly is their charity grants section. Over the years and when I was really stuck I used this. There are some obscure grants on there, you put in your details, previous jobs etc religion even and the organisation contacts you, you submit a budget form, you know outgoings, incomings – don’t be ashamed of doing this – the organisations are very nice. It does take a while – to get a result back but when we first left we got a few items paid for – for example an unexpected expense like a full size bed for my daughter which she needed. There was one time also when they paid my council tax for six months. There are grants for people who have worked in all sorts of jobs, you will see.

    3. Perhaps retraining? Might give you a new lease of life, college? uni? It is doable – though tricky to make the transition UC etc.

    all best and have a good day

    jj

     

    #35443 Report

    sam2512
    Participant

    Hi JJ,

    Thank you for your advice, this is a really helpful start. I trained as a bookkeeper last year I attained my level two but never got to finish my level 3 due to having to move and start again. My main problem of finding a job is the whole finace and will I be worse off if that makes sense. Feeling scared I suppose to make that change and be in an even worse situation I am now.

    I will certainly have a look at that website today, Ive actually taken the day off sick as woke up completely overwhelmed and sick with worry this morning. Not the ideal thing to do but feel I need some time to really get things straight and make a start on that worrying to do list that keeps being avoided.

    Many Thanks

    Sam

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