- May 4, 2024
- Posted by: legaleseblogger
- Category: Related News
Try Free Now: Legalese tool without registration
# Financial Hardship and Housing Struggles: A Cry for Help
## Introduction
Hello everyone,
## Background
I (f32) have had a tough couple of years, facing numerous challenges that have left my family in a difficult situation. In 2021, I suffered a spinal cord injury that has prevented me from working full time, leading to two extended periods of recovery. This has put a significant strain on our finances, as my fiancé and I are the primary breadwinners in our household. Adding to our troubles, we were forced to leave my mother-in-law’s house in December 2020, resulting in five months of living apart from my partner before securing a council house in a less-than-ideal location in South Yorkshire.
## Financial Distress and Struggles
Due to the cumulative impact of these events, we find ourselves in a state of financial distress. I currently have £3000 in credit card debt, while my fiancé is in a similar situation. Our neighborhood poses safety concerns, and my physical condition necessitates a move to a property with a downstairs bathroom. Despite these compelling reasons for relocation, we have been placed in the lowest priority band for housing, leaving us feeling trapped.
## Desperate Times Call for Desperate Measures
With minimal luxuries and a commitment to meeting our financial obligations, we still find ourselves three weeks away from payday with empty bank accounts. The struggle to provide for our child, meet basic needs, and maintain any semblance of a normal life is overwhelming. Unfortunately, we do not qualify for government benefits, adding to our challenges.
## Seeking Guidance and Solutions
As law-abiding citizens with stable employment, we are at a loss for how to navigate our current circumstances. We believe that a financial infusion of £10,000 to £20,000 could potentially turn our situation around, but securing such a sum seems like a distant dream.
## AI Legalese Decoder: A Ray of Hope
In times of distress, the AI Legalese Decoder can serve as a valuable resource for individuals facing legal and financial challenges. By providing clear and accessible information on rights, benefits, and potential solutions, this tool can empower individuals to navigate complex legal issues with confidence. From understanding housing laws to exploring financial assistance options, the AI Legalese Decoder offers a pathway towards relief and resolution.
## Conclusion
In conclusion, we humbly seek advice and support from the community on how to escape the financial hole we find ourselves in. Despite our best efforts, the road ahead seems daunting, and any guidance or assistance would be greatly appreciated.
## Additional Information
– I earn approximately £900 in wages, while my partner’s income is around £2000.
– My partner allocates £900 towards his personal expenses and debts, with the remaining amount contributed towards our household expenses.
– I receive Personal Independence Payment (PIP).
– We allocate £300 monthly towards nursery fees.
Thank you for taking the time to read our story and offer any advice or assistance.
Try Free Now: Legalese tool without registration
AI Legalese Decoder: Simplifying legal jargon for everyday use
As our society becomes increasingly complex and interconnected, the need for legal documents and contracts has become more prevalent. However, understanding these legal documents can often be a daunting task for the average person. This is where AI Legalese Decoder comes in.
### How AI Legalese Decoder works
AI Legalese Decoder is a cutting-edge artificial intelligence tool that can quickly analyze and interpret legal documents, contracts, and agreements. By inputting a text into the AI Legalese Decoder, users can receive a simplified and easy-to-understand version of the document in a matter of seconds. This can help individuals make sense of complex legal terms and clauses, allowing them to comprehend the content more effectively.
### The importance of simplicity in legal documents
Legal documents are often filled with jargon and technical language that can be confusing and overwhelming to those without a legal background. This can lead to misunderstandings, misinterpretations, and even legal disputes down the line. By utilizing AI Legalese Decoder, individuals can ensure that they fully understand the contents of a legal document before signing or agreeing to anything.
### Benefits of using AI Legalese Decoder
– **Time-saving:** Instead of spending hours trying to decipher legal jargon, users can simply input the text into the AI Legalese Decoder and receive a clear and concise interpretation in minutes.
– **Accuracy:** AI Legalese Decoder uses advanced algorithms to analyze legal documents accurately, reducing the risk of misinterpretation or errors.
– **Empowerment:** By having access to a simplified version of legal documents, individuals can make informed decisions and protect their rights effectively.
In conclusion, AI Legalese Decoder is a valuable tool for anyone who needs to understand legal documents but lacks the expertise to do so. By simplifying complex legal language, this AI tool empowers individuals to navigate the legal landscape with confidence and clarity.
****** just grabbed a
Why are you not entitled to benefits? Have you checked on entitledto.co.uk to make sure? Between rent and your potential entitlement to PIP and/or LCWRA, plus having a child, you would have to have quite a high household income to not get UC (unless it’s due to visa status).
Something not stacking here, you’ve said that combined you bring in 2,900 in wages and also mentioned PIP but not specified amount, I’ll surmise around £300 so total of £3,200 income.
Of that we have £900 outgoing on fiances expenses (clarity on what these are? If the household expenses cover food that seems a lot for a month) 3k on credit card could easily have a £150 monthly payment and still be bringing down the principle so it can’t be that.
So after fiances expenses and nursery that is 3,200-1,200 which leaves £2,000 for the month.
Assuming that you also are paying about £150 on credit card that leaves £1,850. Do you pay rent or is it government supported? if you do given what you’ve said about the location and band of the property I estimate a monthly rent of £600ish.
So best case you’ve got £1,850 disposable a month and worst case £1,250? In either case that’s very decent and more than my family have and we do fine.
Unless I’ve miscalculated I’d highly recommend you budget every expense to find out how you are burning cash so fast. You should be able to live a decent life and even save a bit by my calculations.
In the short term, you can ask to be referred to a food bank https://www.citizensadvice.org.uk/about-us/contact-us/contact-us/contact-us/
More info on the Trussell Trust site.
For debt issues try contacting Step Change.
For housing issues the Shelter website is an incredible resource.
You should also both use MSE credit club, Experian to see if you get a 0% interest credit card (either with a long 0% interest on purchases, and run all possible spending through that card, or a money transfer card and use it like a loan) or a low interest loan. Please please please avoid payday loans, any interest rate above say 10%, loan sharks etc.
In the medium term, check if you’re eligible for PIP (no harm in trying). I would imagine you potentially qualify as disabled, check and push (more info https://england.shelter.org.uk/housing_advice/benefits/where_to_get_benefits_advice)
Have you spoken to a personal injury solicitor about potential compensation related to your injury?
A challenging situation.
What is your monthly income and expenditure? Realistically if you are not untitled to benefits you have 2 options. Earn more or spend less.
List out your budget/costs. Do you have assets, vehicles etc?
There is no information in this post that people can use to help you. E.g income and outgoings, or what exactly your disability is.
If you have thoroughly checked the benifits and sure you are not viable for any then the only people that can control this are you.
Firstly, do a solid budget – all income and expenditure – there are apps that will help with this such as Snoop that can take some of the legwork out.
Secondly, start looking at where you have spending creep. This might be the food shop increased by 20£ a week but it all adds up. Work on how to address these (commonly it is via packed lunched for work and/or meal planning)
Thirdly, look at the credit card debt. What is the interest vs capital repayments and can you secure a card with 0% on balance transfer – get good at tracking and moving these though as normally their standard interest rates normally are high.
Further advice look at Step Change foe debt support but it boils down to the simple earn more or spend less to get the balance right.
A good starting point is definitely a proper budget.
Get your last 3 bank statements and check where all your money is going. We might be able to help seeing where you might be able to save money on.
There are a lot of questions here due to major gaps in your provided info, but it really comes down to earn more/spend less.
You need to pay extra to the card debt and eliminate ASAP, the interest will be killing you, that then leaves you that money free each month once you have done that.
Don’t hope for a miracle, take action, budget aggressively and eliminate debt. Don’t take ANY more debt on, you have painted a picture that suggests you are not credit card people.
Good luck.
Son born in Jan, kicked out of your MILs house and your fiancé stayed there whilst you were kicked out? Mmmmmmm…
I would definitely check if you qualify for PIP, it’s not means tested and could be an extra couple of hundred pounds per month to help you get by.
How much contact have you had with the adult social care section of your local council? They’re the ones who can help with adaptations to your house to make it more suited to you and, if those aren’t possible, they can write a report that may place you as a higher priority when sorting housing out.
In terms of your council house, is this a permanent placement or temporary until you (finally) reach the top of the list? I can’t say for sure because it depends on how social housing is operated county to county, but if you have a permanent tenancy for youth council house you may be able to utilise the house switching service. This basically allows you to switch your house with someone else within council housing in your county that’s more suited to you, perhaps a flat or a house with a downstairs toilet. Again, the adult social care department in your local council should be able to help you with this. Make sure to ask for a referral to an occupational therapist as well as a social worker if you don’t have one of either at the second. Waiting lists are long and there’s a lot of funding constraints right now but someone in one of these two departments should be able to help.
Speak to the GP about what is happening; they have access to extra resources, particularly if its impacting your ability to feed your child.
Double check your benefits entitlement; if your ability to work is impacted and you’re not able to get upstairs to the toilet, you’re likely to be eligible for something financially, which may open doors to other benefits-related support. The benefits subreddit are likely to be a helpful source if you need to challenge an assessment.
Consider your debts in terms of priority and non-priority; rent, council tax, water heat and light are priorities, catalogues and payday loans (for example) are not. Speak to Stepchange or Christians Against Poverty for advice; you may be eligible for debt relief etc.
Hi /u/Domina_Zingiber, based on your post the following pages from our wiki may be relevant:
* https://ukpersonal.finance/credit-cards/
____
^(These suggestions are based on keywords, if they missed the mark please report this comment.)