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The UKFibromyalgia Forums • View topic - Money worries



Money worries

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Money worries

Postby shelby1975 » Thu Mar 05, 2015 11:31 pm

Cut my hours due to fibro, refused pip can't claim tax credits and earn too much to claim housing benefit and council tax benefit! 3 months behind on utilities defaulted on bank loan, I had to cancel pet insurance too and one of my pooches has 2pre existing condition. I fell like the world is kicking me over and over!!!
Shelby :)
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Re: Money worries

Postby ixel-chick » Fri Mar 06, 2015 5:57 am

So sorry to hear you're struggeling with finances... like life's not hard enough without it.

It might not seem like it, but among the trouble there's one good thing - and that's that you are realising you're stuggeling at this early stage!

I know how easy it is to try to ignore, so that you're realising that you're struggling is actually good.


Go see the Citizen Advise! They will help you figure things out. Chances are they can help you in-house, but sometimes they refer you to other places. But do it now. 3 months behind isn't the end of the world. So the quicker you can get the right advise the better.


Wishing you the very best of luck.
☐ Fibro Mode / ☑ Normal Mode
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Re: Money worries

Postby Queenie_70 » Fri Mar 06, 2015 1:12 pm

"Life is not measured by the breaths we take, but by the moments that take our breath away."
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Re: Money worries

Postby FluppyPuffy » Fri Mar 06, 2015 3:09 pm

It can be overwhelming when trying to deal with financial matters, esp when debts/borrowings are involved. As well as the likes of CAB there are organisations which will go thru the entire process with you, even speaking to creditors on your behalf to try and secure you the best possible repayment schedule/plan. A couple of such organisations are:~


And they provide their services free of charge. There are others out there who, when you first have a looky at their site, it looks like their services are provided free of charge, but when you look further into it, they actually take an amount from what you pay each month as an admin charge/fee, such as this one To find the first mention of fees, you have to scroll pretty much all the way down to the bottom of their home page. If it is at all possible, try to use one which is free of charge.

When it comes to drawing up details about income and expenditure, you really do have to be entirely honest about everything, down to the absolute and final penny. You will also need to provide statements/proof of outstanding balances for each creditor. If you can get things as prepared as you can before you start the process off, it all helps to make things a little less fraught to deal with. This linky will take you to a page with a downloadable example of an


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Re: Money worries

Postby Lucylastik » Fri Apr 03, 2015 5:27 pm

“You can't just turn on creativity like a faucet. You have to be in the right mood.
What mood is that?
Last-minute panic.”

― Calvin & Hobbes.
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Re: Money worries

Postby FluppyPuffy » Fri Apr 03, 2015 7:56 pm

Ask about hospital transport to help with getting to and from your appts. A good number have this kind of service. It tends to be run by volunteers who will take you to your appt then wait to bring you back home.

Every once in a while, a dog enters your life and changes everything xx


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Re: Money worries

Postby Queenie_70 » Wed Apr 08, 2015 8:21 pm

"Life is not measured by the breaths we take, but by the moments that take our breath away."
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Re: Money worries

Postby shelby1975 » Thu Apr 30, 2015 9:54 am

Now waiting for pip tribunal as appeal declined and waiting on tax credit appeal. I'm now cutting to 16 hrs as I've been off sick again this time it's down to depression and anxiety it's all just too much to cope with. On the plus side my dr has changed the sertraline to mirtrazapine and I am sleeping at long last and this has had a massive effect on the pain. I still have issues walking and terrible vertigo but an improvement but maybe it's better because I'm not at work???
Shelby :)
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