hi all, hope somebody can help, my friends mom broke down infront of me last night, she is at her wits end ref money and doesnt know what to do, basically she is divorced but living with a new partner, she was out of work for 12mths and was recieving the dole, she returned to work and earns 380 per week, she lives with her partner but he is on disabilty and recently returned part time so they lost thier rent allowance. from what she tells me tho, they keep thier finances fairly seperate.
She earns as i said 380 per week,
80 rent
20 CU loan of 6000(they will not help as she ran very high arrears due to year out of work)
10 Visa (owes 500 pay minimum)
50 loan shark...not sure how long(didnt want to pry about that one too much)
70 Car loan Bank, 2 years left
15 ESB per week
40-50 petrol (her father is very ill and lives in another county, he has home help, but she calls once a week..if she has the petrol)
10 credit on her phone sometimes 20, as she calls her father alot to check in with the nurses etc.
she smokes so im guessing a pack a day? 50 per week
She is left with no money in her pocket every week, groceries are coverred by parnters diability and he has his own expenses.
Her daughter is having a baby soon and she cant save, her wages are paid everyfriday and she runs around and pays everyone and is left with nothing in her pocket.
she has no heating in her house as she cant afford to fill the oil, her car needs 4 tyres and a service...not done in abt 2 years and she knows that this will amount to a big service bill.
she calls to pennys if she can and picks up vest etc for the new baby, she broke down when she went in yesterday and picked up a pair of jeans for 4 euros on sale and she broke down in the shop because she felt guilty for buying this!
My heart broke for her, is there anything that can be done, my suggestions were to ask for her wage to be put into the bank, as proof of a steady income everyweek. cut up visa card.
any suggetsions would help please
She earns as i said 380 per week,
80 rent
20 CU loan of 6000(they will not help as she ran very high arrears due to year out of work)
10 Visa (owes 500 pay minimum)
50 loan shark...not sure how long(didnt want to pry about that one too much)
70 Car loan Bank, 2 years left
15 ESB per week
40-50 petrol (her father is very ill and lives in another county, he has home help, but she calls once a week..if she has the petrol)
10 credit on her phone sometimes 20, as she calls her father alot to check in with the nurses etc.
she smokes so im guessing a pack a day? 50 per week
She is left with no money in her pocket every week, groceries are coverred by parnters diability and he has his own expenses.
Her daughter is having a baby soon and she cant save, her wages are paid everyfriday and she runs around and pays everyone and is left with nothing in her pocket.
she has no heating in her house as she cant afford to fill the oil, her car needs 4 tyres and a service...not done in abt 2 years and she knows that this will amount to a big service bill.
she calls to pennys if she can and picks up vest etc for the new baby, she broke down when she went in yesterday and picked up a pair of jeans for 4 euros on sale and she broke down in the shop because she felt guilty for buying this!
My heart broke for her, is there anything that can be done, my suggestions were to ask for her wage to be put into the bank, as proof of a steady income everyweek. cut up visa card.
any suggetsions would help please