I always hope i wont have to post a debt guide ever again , but somehow it never happens .
So you have been made redundant , welcome to the screwed up world of benefits .
Applying for Universal Credit , online only then they phone you back and set things going, in 5 weeks you should receive a payment in theory , they will be unable to tell you how much said payment will be at any stage till it lands in your bank account at which point you will be screaming down the phone at them . I have a friend who has ended up in this situation at the moment . It never crossed her mind that the payment including rent wouldnt cover the whole of her rent till it landed , she is left after paying her rent with £66 a month to feed her and her child . Universal Credit doesnt cover the whole of anyones rent and this puts those claiming it straight into debt . Now said friend is freaking out , this is after years of remarks about scroungers on benefits , with big tellys and always down the pub and i have to bite my tongue and tell her she can do it and she can get through this .
First point of contact is Health Visitor or GP explain the financial situation they will get you foodbank vouchers , i know this is demeaning and you never thought you would sink so low , but this is how you are expected to live if you dare to collect benefits .
Hopefully you have already cancelled every direct debit you have. Rung your energy suppliers to explain ,they have various schemes in place to help. You may be required to accept a prepayment meter, you no longer have to go to the shop to get electric and gas , so you will be spared being visably poor every time you top up . Water rates sadly they are still the spawn of satan and will have you to court in no time , but the courts are shut for debt at the moment so you will be spared the humiliation of joining the queue down the road on water day till the lockdown is over .
Mobile phones stop the direct debit use it as much as possible while its still working to sort stuff out , dont worry about the bill make no attempt to pay it just get a PAYG sim for when it goes off .
If you have a vehicle take it off the road literally and SORN it . Do remember to disconnect the battery if it is going to be stood for more than a week . If its on finance tell them to come and get it .
The lockdown plus points are that you wont be required to attend the House of Lost Souls for a visit to your job coach , you wont be taken to court for anything debt related and youve got your kid for company 24/7 .
At least if theres not much food you will lose weight as you pretend your not hungry at meal times and your child wont grow much if the quality of their nutrition is poor .
How bloody depressing is this ? Its come to something when we can class ourselves as well off compared to so many at the moment .