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  1. #1
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    Default what to prioritise

    When finances are crap, you don't want to **** off a good landlord but you also quite like having heating/electricity/food what do you prioritise over when you don't have the money to pay all in full or the required repayments between (also need to pay phone but this is essential due to mental health issues)

    rent
    food
    electricity
    gas

  2. #2
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    I'd say food first, followed by rent.

    happy to assist you with this stuff, my offer still stands

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    Is gas just for heating? If so, this would be the last that I would pay. It wouldn't be nice to go without heating in Winter, but at least you can warm yourself up with clothing and blankets.

    Food - can you get a food hamper from Salvos or similar? Otherwise, this would be priority.

    Rent and electricity - call up and see if you can set up a payment plan or get a week's leeway.

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    Are you asking out of those expenses listed only or others you may have?

    I've added a couple of extra things in my priority order:

    Rent - simply because falling behind would mean being out on the street
    Food - but try and make it as cheap and healthy as possible eg eat lots of pulses and lentils, preferably dried because they are cheaper than tinned. Take advantage of any charities you may be eligible for.
    Schooling costs
    Telephone
    Electricity
    Gas
    Last edited by SSecret Squirrel; 24-06-2016 at 17:40.

  5. #5
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    I was going to suggest going to Salvos etc for some food vouchers/hampers etc.

    Heating/gas would be last.

    I'd prob prioritise rent/electricity.

  6. #6
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    Gas is also for hot water & stove/oven so could probably do without electricity before gas (I have a payment plan with both but can't afford the full payment this fortnight & they won't budge even with being on their hardship program because I've already missed a payment).

    Schooling costs are covered for now but are going to be an issue later in the year as we make the transition from primary school to high (SKB is being paid straight to school & together with the camps & excursions money the Vic govt pay will hopefully cover most things other than graduation at the end of the year).

    Phone is paid until the end of next month.

    I can get some limited fruit & veges at the end of their life on Tuesday morning if I can find transport (possibly being provided by one of my support workers) but have pretty much emptied my fridge/freezer/pantry over the last few weeks

  7. #7
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    When ive fallen on tough times i found those electricity vouchers (EAPA) and supermarket food vouchers from salvos etc to be a total lifesaver and helped me to slowly bit by bit get ahead again. The EAPA vouchers are often done from churches and community centres, you gotta get there on the right day and some require booking an appointment and there are limits on amounts but they are soooo worth it. Food vouchers are so helpful too. Might only be $40 coles cards per fortnight but could make all the difference some weeks.
    Get as much as you can out of these services as often as you need to in order to get on top of things, that's what they're there for 😊

  8. #8
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    Sorry to ramble. As far as priorities, I'd probably go rent, food, gas, electricity

  9. #9
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    So, I'm going to preface this by saying that I've been poor, well, worse than poor, my expenses exceeded my income by hundreds of dollars every week..

    My priorities were,
    1. Rent. If nothing else, I kept a roof over my children's heads and prevented us from being homeless.

    2. I called EVERY creditor, for me, this was electricity, a mobile phone, a credit card and a car repayment. I explained my situation (my ex walked out on me, to go shack up with the chick he was eff-ing, leaving me with ALL the expenses by myself) and agreed to pay them x amount.

    3. Charities give food and food vouchers to those in desperate need. I literally lived off these. I fed my children first, then I ate the left overs. I survived on bread crusts and leftovers. I lost bucket loads of weight, and was literally starving to death. I'm not exactly sure how I survived, but I always fed my children first.

    Then, I changed my situation. I moved to a very cheap unit, one that I could afford to rent, but still in a safe enough area where my children and I were safe. I managed to convince friends to help me move, as I could not afford to pay a mover.

    I sold things, around half the household contents.

    I babysat friends kids.

    Finally, I applied for, and was granted, an early payout of my superannuation to enable me to pay off the credit card.

    It was freaking hard work, but so worth it.

    I know that you are suffering with mental illness as well, but, you need to keep moving forward, putting one foot in front of the other and just keep going. You can change your situation.

  10. #10
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    ~Marigold~ is offline You make me happy, when skies are grey
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    Rent first and foremost.
    You can get assistance through charities.
    Are all of your utilities on payment plans?
    Food- there are meal share pages on Facebook and also numerous charities.

    I would go to centrelink Monday morning and ask to speak with a social worker urgently. You can get a portion of your next pay in advance, or at the very least they will point you in the right direction.


 

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