Dealing with the unexpected | Blog

Did you know that 3 in 5 people wouldn’t be able to pay an unexpected bill of £300 if it ever cropped up? Think about your own situation...do you have any financial security should something unexpected happen? It can be so hard when you are a parent to juggle finances and spin all the other plates that you have. A lot of new Mums either reduce their hours once they've had a baby or they can't go back to work at all due to childcare costs which is great as they get more time with their babies but it does add some financial pressure. It feels like times are getting harder and life is getting more expensive so it's no surprise that so many people have to budget to within their last few pounds. But what do you do when the unexpected happened? Where can you go when you have that surprise bill come through the door? I've got a few tips that may make things a little easier.

1. Be smart
There are so many ways to make a little bit of extra cash, you just have to take the time to find them . Online survey websites are a great way to earn a bit extra to help out. The good thing about them is that they can be done once the kids are in bed, whilst you're watching TV. The downside is that some can be relatively low paying and payment can take a while to come through. It isn't instant, but it could help with earning a bit extra those months that you need it. You could also look at cash back websites that pay you extra for spending what you would have spent anyway. With a lot of these sites you either use a code or you access the retailers website through the cashback sit to get your rewards. The best advice I have here is to do your research and see whats out there that might suit you. Swagbucks is a great site that is filled with different ways to help you earn a little extra money online.

2. Look at all options.
Traditionally people through that a credit card was the best form of quick, short term borrowing but with the interest on some cards now, that may not be the case. On the flip side, there are many unregulated lenders now that charge extortionate interest rates in very damaging ways. Before getting into any kind of debt Id always urge you to explore all options. Research what options are out there. Talk to your bank or use a lending broker regulated by the FCA like Cashlady and make sure you always read any small print before signing up to anything. If in doubt, ask someone else to read it for you too to make sure you don't miss anything.

3. Don't suffer in silence.
If something unexpected comes up then don't suffer in silence. Talk to your family or someone you trust because, as the old saying goes, a problem shared is a problem halved and you will feel better for talking. Also don't be afraid to ask for help. Companies would much rather you speak to them if you have problems paying a bill rather than just not paying it all. Worst case, speak to someone impartial that can give you some advice such as the money advice services or step change. Ignoring a bill won't make it go away, in fact it will make it get worse so get talking and get help.

So there you have it. I hope this will help anyone out there who has had that unexpected bill land on their door mats and please remember to talk and get some help as it can be an easy fix.

Note: this is a collaborative post 


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