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  1. #1
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    Default Help! I've got no money for bills

    Hi, I'm desperate for some advice on how to make some quick cash to pay for some bills this week.
    Dh and I have gotten ourselves in to a huge pickle and we really need $800 by the end of the week. I've tried selling some garden supplies online with no luck. We don't want to ask family for money (we already owe them money!) and I don't want one of those high interest credit cards. Is there any other way? I feel sick that it has gotten to this. Any advice would be greatly appreciated!

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    You could try to sell things on gumtree (appliances/ furniture/ electronics) that you don't need or could do with out.

    Otherwise can you try and negotiate with the people to pay at a later date?

    Do you get centrelink? I think sometimes you can ask for an advance?

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    moosey  (25-08-2015)

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    What sort of bills are they? Best bet is to ring the company's and request a payment plan, most will let you pay the bill over a small period.

    Other than that, keep trying to think of something you have that you really don't need that you could sell. Old clothes? Kids toys? etc.

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    moosey  (25-08-2015)

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    Ring your local community centre, they are a wealth of information.

    Centre link loan.

    Ring the bill people. Often you can set up a payment plan often through centre pay.

    Sell stuff.

    If it a electric bill often a church or charity can help as a once off.

    Ask on your local buy now sell if there is a 'no interest loan scheme' place around. One off our community centre runs one.

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    moosey  (25-08-2015)

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    Thanks so much for the great advice. I got straight onto centrelink and have received a $350 loan. Phew! Now I just need to get the rest of the money somehow.

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    We are overdue with our mortgage repayment so we owe the bank $2000. We have that money but it means my monthly payments can't be paid which include, phone, Childcare, health insurance and car repayments.
    We are extremely stretched at the moment and I'm not sure how we'll get through the rest of the year. It's very stressful.

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    Seeing as it's mortgage i would call the bank and explain, see if you can rearrange your repayments as you don't want to get into a bad cycle chasing your tail with all the other bills. The bank might put a temporary hold on your repayments to help get you back on your feet. Also might be worth seeing a financial counsellor to help you get things in order longer term. Good luck.

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    Nemmi1987  (25-08-2015)

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    I would cancel the health insurance straight away. Or, if you think you will be back on your feet soon then call your health ins provider and explain your situation.

    You should be able to suspend your account due to financial hardship. I know bupa will suspend your account for 3 months, you don't have to pay anything but you're not covered during that time. Then after the 3 months you start paying as you did before. It doesn't affect your waiting periods but you're just unable to claim during the 3 months your account is suspended

    Good luck, money troubles suck

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    Quote Originally Posted by moosey View Post
    We are overdue with our mortgage repayment so we owe the bank $2000. We have that money but it means my monthly payments can't be paid which include, phone, Childcare, health insurance and car repayments.
    We are extremely stretched at the moment and I'm not sure how we'll get through the rest of the year. It's very stressful.
    Think about applying for hardship on your mortgage.
    https://www.moneysmart.gov.au/managi...uble-with-debt

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    Oh for the future have a look at centre pay for the most important bills. It really helps to chop away at them fortnightly. With centre pay there are no fees unlike banks. Because they take it out before it hots your bank it easier to budget what's leftover

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