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My central heating boiler is packed in and I was quoted £3400 for replacement - was rejected for monthly payment option due to low credit score.
The brake pipes on my car burst yesterday and the garage has quoted me £650 for new pipes, pads, discs and a new caliper as the old one is ceased - this led to the excess pressure on the pipe causing it to burst.
Garage has found a whole load of other things wrong with the car that will cost above and beyond £650.
I can't borrow money as my credit score is too low becasue of previous problems.
I did additional leaflet distribution work to raise extra funds but one company refused to pay me, and one company (who were good) closed down their distrribution side of buisness.
I did advertised my services for local DIY jobs but most people just wanted small odd jobs done that only paid £30 - £50 here and there.
My car is undriveable, my house is cold and I don't know what to do.
I don't use credit cards any more and the money I had saved up was used to get my car through its MOT last year.  I'm trying to save monthly again but any time I save, some emergency crops up that ends up costing me money. I buy only basic food, don't go out any more and have sold most of my DVD's and lots of my Xmas presents just to get by,
I'm not wanting charity, just a fair chance to pay off unexpected bills that keep cropping up.

tom7railway · Accepted Answer

Many people can't afford to buy fuel to warm their home, never mind buy a house. You seem to think that you MUST have all these things, but why is your credit rating low ?  Stop wanting to have more than you can afford to buy.  To reduce your spending you could:
Get warm clothes, if you can't afford new, then buy used. Join a local Freecycle/Freegle group where you can get things for nothing. 
Get a warm duvet, draught-proof your home and get heavy curtains to save heat. Gloves and a woolly hat don't cost a fortune.
Forget the car, get a motorbike, moped or best of all a pushbike - no tax, insurance or fuel bills, and cycling will get you warm !  If wheels are a must, look for a driving job where you don't pay the costs, but you can take the vehicle home.
Join a local Credit Union, this is the cheapest way to borrow money, but they won't lend until you have saved for 3 months, this helps to get you in the habit of saving before you borrow.
Do the £30 and £50 jobs, if people like your work they will call you back to do bigger jobs.
If you really are in dire straits, one option is to find live-in care work and rent a room in your house. That way you get 2 incomes, and you are kept warm and fed in someone else's home. If you rent a room in your house you don't have to pay tax on the first £4,800, and you can give the lodger short notice to quit.

Anonymous · Answer

Life's a *****! and then your dead,
It sounds to me that your too fussy £30 & £50 jobs add up pretty quick.
Scrap the car, and buy an old banger with a years MOT, you'll get £200 for your car,and if you search around you'll buy a banger for that amount, then you can go and earn some money,
and stop feeling sorry for your-self

Anonymous · Answer

You need to take out a large loan. Don't worry if you go in to debt, you can pay it off easily.

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