Hi,
Thanks to everyone for the advice.
Just getting onto a computer now as couldnt reply from my phone for some reason.
Rich In Spirit-thanks, I have contacted the svdp,am awaiting a call out from two of their members,esb have threatened to cut me off as I can only pay €25 off my electricity per week and they want €65,bill is at €520.
Wbbs-thanks,I had applied but was refused as husband works more than 29 hours per week at the moment. Am also awaiting an appointment with MABS but have received a lot of advice over the phone.
Bronte-thanks for advice also, I have filled out a new sfs with the bank and have offered to pay €700 per month until things improve however on the sfs they would not take arrears into account so I'm still struggling to clear the esb and gas arrears. Once we get word back from back to see if they accept that amount I will know then if can get some clothes etc,if they reject it as the lady in the bank thinks they will, I am just going to buy myself new clothes and pay off my arrears and pay the bare minimum to our lender for February. My dad and my brother are also helping me out with finances etc as I am usually the one that looks after bills etc but given how I've been feeling a lot has slipped behind. Thanks Wishes, I agree, we are putting our mortgage before bills and heating and electricity which is stupid but even mabs have told me the roof over our heads should be the number 1 priority.
umop3p!sdn- We have both looked into moving away,unfortunately as much as we would love to my husband has a child from previous relationship so it would be very difficult to do this. I have been following the press announcements over the last week and if things get much worse we will have to look at one of these options when legislation is passed. Also I would hate my daughter to miss out on seeing her grandparents however if its our only option and we could go to uk for a year to be able to start over our lives again we will do it. Husband has aunt in uk and there are a lot of jobs in his industry so he would prob find work. Thanks colm5 you are right its just a very difficult decision to make.
Luternau-thank you, As mentioned before I do intend to hopefully sort clothes etc this month if possible. I'm more annoyed that the bank won't let me clear my arrears first to try to get straight again as I have done everything they have asked of me. At least if the arrears are gone I dont have a constant worry that I will be cut off which they say they will do unless i pay €65 per week which as long as I am paying the €700 to the mortgage I can't do.
Bronte I will fill out an expenditure form when I can, just down in the internet cafe and can only stay a while with baby. Thanks