- Jan 8, 2018
Thanks. I'm constantly on it, up to date etc, just not enough money coming in. As soon as I juggle something to help a bit I get kicked back with a bigger increase in outgoings from somewhere. The latest is our council tax changed the way they worked out benefits, the new way I need to magic up an extra £100 a month. We're trying hard to pay off debts (most on 0% interest) so have repayments set high to try and pay off within 0% timeframe. So technically could have lots extra per month, but will never ever get rid of this fkin debt. I've run through debt advice sites and they say to do what we're doing is the best thing.Are you in the UK?
Your City Council will have a department called 'Welfare Rights'. When I was extremely ill, my home admin went completely awry - I had unopened mail sat gathering dust on the hall table..bills unpaid and no finger on my own financial pulse. I went into 'Ostrich syndrome' - it was just easier to bury my head in the sand than actually look at my balance or open the letters requesting payments. I ended up frozen - too scared to tackle it and too worried about it to relax. I contacted Welfare Rights and explained I was ill and not thinking straight. They were brilliant. Had an appointment with a lady who went through my finances with a tooth comb and helped me set up payment arrangements for some larger bills. We worked out a budget and she took me under her wing for three months - extremely supportive and kind. They do a wonderful job for free - providing the same services without charge as debt counsellors and groups like CAP.
I would recommend it, Funk. When you're deeply depressed, it's easy to feel overwhelmed and for things to get out of control. Such a relief to know you are organised and solvent - and it's good to have someone to be open and frank with about it.
I've just changed a couple of things to try and stop unnecessary spending, so will have to give it a couple of months to see if it helps or hinders. Just so sick of it.