Marcie M

This month, thanks to a backdated pay rise lump sum which I got in December, I didn't get any Universal Credit at all.

It's a bit scary because as well as getting less UC, I'm getting about ⅓ of my former salary because my hours have changed. February is going to be VERY tight. We will manage, but the system is so stupid. How is a small amount extra I got before Christmas meant to last til the end of next month?

The car insurance is due in three weeks. I need to decide whether to put the whole year's cost on my credit card and hope I can clear it before the interest kicks in, or pay monthly but get charged more for the privilege. Not having a lot of money is expensive!