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Use our Cost of Living forum to discuss budgeting and energy saving with other users.

Use our Cost of Living forum to discuss budgeting and energy saving with other users.

Cost of living

fed up of crying!!

16 replies

Superpar1313 · 19/05/2014 13:58

Hey

started work and really struggling. First month emergency taxed so what i got covered bills im now 7 days away from payday but not got any money and last bit of food. I really dont want to go to extreme of selling house stuff i earned :( can someone help with ideas. I also will have to walk to work which takes 45mins and start at 7.30am xx

OP posts:

Report

Grumpyoldblonde · 19/05/2014 16:15

Hi,
I am sorry that you are struggling so much. Do you have friends or family who could give you a short term loan? I don't know whether you have children or a partner so it is hard to advise without knowing more.
Do you have an overdraft facility with the bank? any broken old bits of gold jewellery you could sell? I don't think emergency tax differs a great deal from regular tax these days so will you be able to manage in the future? are you entitled to any tax credits?

Fluffycloudland77 · 19/05/2014 17:01

Could a food bank help you?

Charlieboo30 · 19/05/2014 17:45

Depends which emergency tax code you are on - sometimes they use BR which means everything you earn is taxed at 20% (i.e. You get no personal allowance). Sometimes they will put you on 1000L which is what your normal tax code will be. I really hope you're on a BR code, otherwise I wonder how you're going to manage next month...

In terms of this month, can you borrow some money or arrange a temporary overdraft with your bank?

Superpar1313 · 19/05/2014 19:19

Hello i am single parent although kid stays with ex partner. My tax code was incorrect and i am being reinstated in this months wage. It was over 200 pounds i was taxed incorrectly. I come from a family that dont have much and just get by. I have asked friends but they dont have anything. Thanks for advise and taking the time to get back to me xx

OP posts:

Superpar1313 · 19/05/2014 19:21

My bank wont give me overdraft due to when i split up with ec credit became a mess :( x

OP posts:

MisForMumNotMaid · 19/05/2014 19:23

Have you asked your employer about an advance due to the tax code sitauation? They might be able to do say £50 from petty cash to tide you over.

Grumpyoldblonde · 19/05/2014 19:26

When you say your child stays with your ex, do you mean full time? I just wondered if your ex is paying child support. If you are really desperate does your child have any savings you could borrow for a few days, I know that is a horrible suggestion but needs must and it is only temporary.

Grumpyoldblonde · 19/05/2014 19:34

Also, do you have any nectar point, Boots points etc? bit of free food maybe. Penny Jar?

Superpar1313 · 19/05/2014 21:20

Hello child support is ongoing at the moment as not long broke up.just started a fresh and got myself job and flat etc so everything is maxed. I think i will just have too push on for remainder of week xx

OP posts:

Allice · 19/05/2014 21:23

Whereabouts in the country are you? If you were local to me I'd be happy to bring you some groceries.

Superpar1313 · 19/05/2014 21:24

Alice im in glasgow x

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Superpar1313 · 19/05/2014 21:46

I also asked my work about advance but they are claiming to not hold cash in office xxx

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Superpar1313 · 20/05/2014 00:52

I just want to say how great a forum this is and proves thatwe all help each other and support each other it proves there is still lovely people out there!! A lovely girl has given me 4 pounds for my work tomorrow which is helping me massivly and will help me sleep tonight. I am so thankful and cant believe someone would do this xx

OP posts:

Grumpyoldblonde · 20/05/2014 09:10

Great that will help a little then, I would certainly do that for a colleague no problem, I am sure most of us have had temporary or long term cash flow issues. I think it is great you are making that fresh start and have a new job but you are bound to have a few hiccups as you start your new life, so maybe now is the time to really plan your budget and take a look at if your bills can be reduced, you are getting any tax credits you are entitled to and maybe sell off a few bits and pieces, that money could bee put aside for an emergency fund.
So, you can limp on for a few days before you are paid and look forward to that pay packet.
As this is a new life for you, why not check out the Money saving expert forums? they have great ideas to stretch the grocery budget.
Good luck with everything, this is a blip, not forever!
Best
Grumpy x

Superpar1313 · 20/05/2014 10:25

Thank you so much. I knew it woild be hard the first month but i will get there :) taking each day as it comes. Im so glad i made work today i only have 3 more days as took holidays the rest so just need to make up getting to work those days. This months wage i wil be putting into a savings account as i am a saver just i wasnt working. I will certainly be back on here helping other people like me xx

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Allice · 23/05/2014 18:19

I feel rotten as I replied to this thread and promptly forgot about it. I'm so sorry.

I'm at the other end of the country to you, really glad that someone helped you, so sorry it wasn't me. Hope that you're ok.

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