We are in a serious financial mess and falling deeper by the day!

[brunettebimbo]

I think Town Hall are next on my list!

A friend said apparently even though we are not entitled to the Sure Start Grant at the moment as soon as I start getting Child Tax Credits I will be?

Nessicle I do

Where you from v2007?

 

[sophxx]

you might not get it if your oh has a good wage the sure start grant is mean tested x

 

[brunettebimbo]

 

[v2007]

I think Town Hall are next on my list!

A friend said apparently even though we are not entitled to the Sure Start Grant at the moment as soon as I start getting Child Tax Credits I will be?

Nessicle I do

Where you from v2007?

Im in Morecambe, just around the corner from Nitty Netto (the nice part of Trendy Morecambe lol )

Your friend is right, when you claim your tax credits go to the Jobcentre and get the SSMG form and send it off when you get your comfirmation for your CTC.

But claim within 3 months of his birth otherwise they wont give you it.

V xxx

 

[brunettebimbo]

I'll be claiming whilst in labour!!

My Mum's moving near there soon and my auntie used to live on the street at the side of Netto!

 

[v2007]

I love Nitty Netto.

Some of my family live on Lancaster road.

I live on Croft st, very quiet.

Im waiting patiently for the New Sainsburys lol.

V xxx

 

[brunettebimbo]

I hate Sainsburys! Asda all the way!
Noticed you noseying in my journal...do you recognise me?

 

[lushious09]

i dont understand how if you both work and by sounds of things have really good hours/pay that your in so much trouble :/ im on my own and not living off benefits and i am managing on just maternity pay atm... mind you i havnt got a car/wedding/credit card that needs paying for... so i probs have ney idea... maybe sit down write all ur costs etc down and see what you can sacrafice?

 

[v2007]

I hate Sainsburys! Asda all the way!
Noticed you noseying in my journal...do you recognise me?

No I think i have read some of your posts, but i dont frequent the pregnancy forums that much *must do better*

I was in ASDA yesterday wondering why they had made the aisles wider lol.

V xxx

 

[EternalRose]

Whats your voice like hun? Can you talk shit if need be?

I know of several girlfriends of mine who do 'dirty' talk on the phone and make a stack of money for it.

I cant believe people missed this, I think talking dirty to old men is the last thing she wants to do right now.

Hun, you have recieved some brilliant advice on this thread. I really hope everything works out xx

 

[Phinners]

Whats your voice like hun? Can you talk shit if need be?

I know of several girlfriends of mine who do 'dirty' talk on the phone and make a stack of money for it.

I cant believe people missed this, I think talking dirty to old men is the last thing she wants to do right now.

Hun, you have recieved some brilliant advice on this thread. I really hope everything works out xx

I woudlnt fancy doing it either but if me and my hubby were in such a mess, then to hell with pride- i'd happily spout shit down the phone to pay the bills, pregnant or otherwise lol

 

[Newt4]

Could you possibly get a part time job? I will be working again in December. Not very much just a couple of shifts here and there at night or weekends so my husband can watch the baby. Im doing it for sanity reasons though and it will provide my husband with great bonding time.

 

[GossipGirly]

get yourself to citizans advice hun, they will help you will what benifits you are entitled you and write to all your creditors so you can pay lower amounts and freeze the interest, they will also be able to advise you on tax bill and car situation. Dont stress about money, I have been and what can you do about it? Iv learned just to deal with what we can and anyone else can bugger off, you can only give them what you can afford and with a new baby on the way, that isnt going to be much xx

 

[GossipGirly]

I think Town Hall are next on my list!

A friend said apparently even though we are not entitled to the Sure Start Grant at the moment as soon as I start getting Child Tax Credits I will be?

Nessicle I do

Where you from v2007?

Im in Morecambe, just around the corner from Nitty Netto (the nice part of Trendy Morecambe lol )

Your friend is right, when you claim your tax credits go to the Jobcentre and get the SSMG form and send it off when you get your comfirmation for your CTC.

But claim within 3 months of his birth otherwise they wont give you it.

V xxx

yeh its a goverment loophole, everyone earning the higher end of child tax credits is entitled.. and everyone gets higher end of child tax credits or first year of baby's life!! major mistake and a lot of people miss out as they dont know this xx

 

[forgodssake]

I think Town Hall are next on my list!

A friend said apparently even though we are not entitled to the Sure Start Grant at the moment as soon as I start getting Child Tax Credits I will be?

Nessicle I do

Where you from v2007?

Im in Morecambe, just around the corner from Nitty Netto (the nice part of Trendy Morecambe lol )

Your friend is right, when you claim your tax credits go to the Jobcentre and get the SSMG form and send it off when you get your comfirmation for your CTC.

But claim within 3 months of his birth otherwise they wont give you it.

V xxx

yeh its a goverment loophole, everyone earning the higher end of child tax credits is entitled.. and everyone gets higher end of child tax credits or first year of baby's life!! major mistake and a lot of people miss out as they dont know this xx

As pointed out to you on another thread this is not true!

You have to be in receipt of MORE than the basic award INCLUSIVE of the baby element to qualify for the SSMG.

 

[GossipGirly]

yeh i know but i couldnt find the thread to ammend xx

 

[subaru555]

Do you really need this car? Be really honest with yourself - Is there any possibility you could manage with the van? I know it's not ideal but if you're really struggling you could get the car fixed, sell it to pay off what you owe and then save up for something more affordable - leaving you in less debt.

Do you have a good credit rating? 0% is quite difficult to get just now even though there appears to be millions of offers for 0% cards. It's only after the application that they offer you a rate.

Another thing you may have to look into is going back to work earlier than the 9 month period. If you can't afford to be off, you can't afford it. It's not worth the stress on you and your family. The happier the mum, the happier the baby. It sounds great being off for 9 months but sometimes it's just not an option - and your childcare is free so it's worth thinking about.

Try reviewing your household budget it might surprise you.

Registering your OH's business as a limited company would involve a lot more paperwork which might not be what you need right now. Plus you're liable for corporation tax on top of your own tax, as well as employers tax! Tax tax tax!

His tax bill as stated can come out in 3 installments - they don't really offer anything better than that I'm afraid

Have you sold your wedding dress/items? Might be worth getting them on ebay and making some money to pay the car bill if you want to keep it.

Check the servicing records as mentioned, if all is in order then I'm afraid you don't have much to go on, it's just one of these things unfortunately.

 

[brunettebimbo]

I'm having a right good clear out tomorrow and hopefully will come across some things we can sell.

I am going to try and sell my wedding dress but my tan came off on it and I believe wedding dresses cost a fortune to have cleaned?

So the tax bill doesn't have to be paid in one lump sum? How long do you get to pay the 3 installments? That could help alot

 

[Mizze]

Hon - have you looked at a charity called TaxAid- they are legit (I found them recommended on the Direct Gov website) and they specialise in helping people in your situation - they might be more useful than CAB in this instance because they are tax specialists - well worth giving them a call I would have thought.

https://www.taxaid.org.uk/help.cfm?secnav=20

Mizze

 

[angelpuss]

How horrible for you hun to be going through all of this now Don't think that I can offer any more advice than everyone else has already given to you.

Another good source of advice, and ideas for cost savings though is Martin Lewis's website www.moneysavingexpert.com - there are some brilliant money saving ideas on there and some good advice too.

Hope that you get things sorted soon, and I know it's easier said than done, but try not to worry too much xx