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Paypal q's

nikkiandmidgets Avatar
8y, 5m agoPosted 8 years, 5 months ago
Am away to list a heap of stuff on here as had to stop working due to combination of never seeing my toddlers, my mum not wanting to stay in house due to the probs we had with mice and a house purchase falling through and my mum wanting to earn more than I oculd pay her plus a bit of tension between us - my mum kept taking over and found it hard to accept she was living in my house and making bad comments about my ex...she has good reason I have to add cos of what he did to me and she only knows half of it but anyway I need help with prices and pypal fees etc..

After selling a ps1 game for 3.25 via paypal and walking away with 78p after paypal fees, postage and the expensive padded envelopes the post office sell, I have decided to investigate all costs a bit more first! With help from misc section I have bought envelopes from ebay but need to know about paypal fees, and for instance, are charges same no matter which option is chosen when sedning money? Are charges same if someone has the money sitting in their paypal acct?

And any other hints and tips appreciated cos at moment I need the cash till I find out what benefits I am entitled to and if the council will pay all of my rent ! Cos I have 13 months on my lease to go and no early release clause. Also need to work out a cheaper method to heat house and water than gas cos after a year in my house and querying meter and getting wrong initial meter reading corrected I have been told that from 1st July my gas DD will increase from £72.50 to £299!! Have been told by someone that they cant switch me off though cos I have toddlers but I wont be able to cover my current usage, let alone the arrears so situaton with that will just get worse so am thinking of using immersion and getting oil filled radiators or calor gas heater..
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nikkiandmidgets Avatar
8y, 5m agoPosted 8 years, 5 months ago
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(21) Jump to unreadPost a comment
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#1
if you choose to receive the payments via bank transfer then you won't incur any unnecessary fees.
banned#2
http://ppcalc.com/

Not much help, but for your gas, if you are on benefits you can either arrange for them to take the money directly from your benefits or get a key meter kitted. If you do that they can only take around £2.30 a week off to pay towards your arrears.
#3
Re gas - not much use to me as they are saying I am using about £500 a quarter with my water heating for 4-5 hours and central heating on for a total of 2 hours - 3 x 40 minute periods...card meters cost even more and when winter comes what will the bills be like. His agent told me landlord didnt know what bills were like but guessed average yet no-one can believe how much my bills are coming in at..they have reduced, not sure if its cos landlord installed a new boiler or cos I have reduced periods of heating cos its supposedly summer. Problem is house has no insulation, is single glazed and is a listed building with high ceiling and 3 floors although I dont heat all rooms - unused rooms are on frost setting and top floor has a door to separate it from second floor and is hardly used so usually baltic! If I had known all this I owuldnt have taken rental but am now stuck with it. Maybe a rent assessment will sort it all out, would be nice if it did and if they back dated it and made him give me money back too! Believe council may do one due to the high rental costs....well hoping so anyway...
1 Like #4
there are all sorts of trusts around the country which can help people in your position

i think you should try this at least - they could pay your arrears off and maybe any other outstanding debts

http://www.britishgasenergytrust.org.uk/

water boards usually have trust funds as well - google your supplier name

ask at library if they have the database for trusts in your area


as for your paypal - go to poundland - they do packs of padded envelopes - tapeetc

make sure you charge enough postage on your listings


good luck
#5
i think you need to renovate and insulate
temporarily, just try wrapping yourself up instead of heating so much
#6
£500 a quarter what do you live in must be a big cold house
#7
if your on benifits the council sometimes pay for wall and roof insulation.
#8
If you have a poundland buy your envelopes from there and sticky roll...10 small padded evelops (cd size) £1...naturally lol also they were selling three rolls of sticky tape for £1...again what a suprise haha...and as for expensice bubble wrapp....put a little in your trolly every time you shop at asda fruit and veg section, they just recycle it anyway so your helping them!!! :thumbsup:( if you do shop there) the assistants dont mind, i've even had it handed to me before lol :oops:
you could also stop accepting paypal and ask for cheque only
#9
Its a listed building - big house and I rent it so I know walls wont be insulated as not cavity walls...Am guessing roof isnt either but never been up there, and windows wont help either but not my house...and as for wrapping myself up, I wear a jacket, a t shirt and a hooded cardi but I have toddlers and they already have winter duvets on their beds. I need heating on for quick blast for them getting changed, bathed etc...still dont understand how it costs so much for a few hours a day - I was only £65 a month at our old house (It was a new house so insulated, double glazing etc and much smaller) but still seems excessive and if I could I would walk away from it. Only option at moment seems to be that my ex wants me to go back with him and move to New York and leave all my **** behind but then when it failed I would have to come back to a worse situation, and given his past record, it would fail due to a number of reasons...
1 Like #10
If you are selling video games on ebay, list it under video game accessories rather than video games. This will save on final end fees - video games are 9% whereas the accessories are the standard 7.5% and lowered after a certain amount. The games will come up in the searches just the same.
#11
I stay in a little village and dont drive, nearest tesco is 13 miles away, nearest Asda is about 30 miles away, nearest poundland or similar I thnk is 16 miles away so have to wait for family to visit and take me as public transport isnt great but rental prices were through the roof and getting snapped up fast and gven my situation at time - single mum with toddlers, just splitting from husband, with my mum staying with me for childcare, my options were limited so moved further out and this place does have a Woolworths, and lots of public parks for kids...
#12
Energy wise, we have special energy saving storage heaters - mini radiators - which cost 1p an hour apparantly. Can't remember the details, but might be worth looking into energy efficient heaters, they will take the edge off the cold.

Postage of video games wise, you could wrap them in used newspaper instead of bubble wrap, and then wrap in brown paper which is pretty cheap and usually available from village shops and post offices. Would probably be cheaper than jiffy bags.
#13
what about seeing if there are any jobs you can do from home?
#14
hdixon85
Energy wise, we have special energy saving storage heaters - mini radiators - which cost 1p an hour apparantly. Can't remember the details, but might be worth looking into energy efficient heaters, they will take the edge off the cold.

Postage of video games wise, you could wrap them in used newspaper instead of bubble wrap, and then wrap in brown paper which is pretty cheap and usually available from village shops and post offices. Would probably be cheaper than jiffy bags.


Dont buy newspapers and jiffy bags I got for about 9p each so will stick with them though definately worth thinking about if I run out or if item bigger than envelopes I have! Thanks!

Will ask on freecycle to see if anyone has these cheap heaters as at moment cash flow is very low!
#15
nikki, where abouts are you located?
#16
bellabonkers
what about seeing if there are any jobs you can do from home?



Had a look for these before but couldnt spot any genuine ones...could try buying and selling as am a hoarder - yes I spelt that right - so have heaps to sell, only problem is I am only usually online after 8pm, once I get the toddlers bedded and then still have the house to see to and forums to search for advice just now, and my brain is mush at moment, so much stuff going on and still considering the ex so kids get to see their dad, and they are provided for as at moment he is delaying giving me money cos he wants me to have to move to him - control freak who earns good money but is like scrooge with HIS money...funny, he earned less than me when we met, then I sorted out his cv, and kept pushing it out to companies andavised him on jobs and nowhe earns about triple what I used to but unfortunately is paid out of UK and no longer keeps any money in this country.
#17
only thing that pops into my head right now is trying avon...though i gather thats just pocket money
#18
nikkiandmidgets
I stay in a little village and dont drive, nearest tesco is 13 miles away, nearest Asda is about 30 miles away, nearest poundland or similar I thnk is 16 miles away so have to wait for family to visit and take me as public transport isnt great but rental prices were through the roof and getting snapped up fast and gven my situation at time - single mum with toddlers, just splitting from husband, with my mum staying with me for childcare, my options were limited so moved further out and this place does have a Woolworths, and lots of public parks for kids...


Could someone who works in a business here and can post things through work (without them finding out!!) could they purchase the things from poundland for you and you pay them the money by paypal??

Also, 1st July apparently paypal is going to be free to receive money.

Another thing, this is bad I know, but in your situation people won't mind- what about getting things from freecycle and then selling them on? I mean things like faulty TVs sell on ebay!!!!

With the gas etx, if you're on income support they have something where they will pay part of the bill for you. They aren't allowed to turn you off by law, but I think they will change you to a meter so it's like pay as you go. If you ring your gas up go on [url]www.saynoto0870.co.uk[/url] I think it is, and you'll find the freephone number and ask about the help for income support.

Another thing if you have debts is either going bankrupt as you're not working, but if you was working there's a thing called IVA I think, most of your debts wiped out and you pay the remaining debt.

With bankruptcy, it's not as bad as you think. You pay £300 which they'll be stopping soon, and then after a while, you can pay a silly amount and it's wiped out completely that you've ever been in debt!!! :thumbsup:
#19
you gave some really good ideas there midge but the one about taking out an iva is money wasted - the companys who ARRANGE these ivas are in it for the money - and you have to pay in the long run - the citizens advice do exactly the same thing for nothing

if you have the time - patience and a bit of savvy you can even do this yourself by contacting the companies who you owe money to - explain your financial situation to them - in most cases (especially were you can supply written proof) they will accept a lower amount (except your council tax)- as long as you pay them as agreed - credit card companies will stop interest on cards - and make a deal - again as long as you keep up the payments etc...

as for packaging for ebay i would buy them and post onto you nikki - paypal - postal orders - bt - no probs
#20
with regards payapal and fleabay you are permitted to charge a handling fee i add between 50p and £1 on top of the actual post n packaging costs. Ebay allows you to do this if you think off time it takes to list items answer emails from potential buyers. Plus as i have small baby it can take 40 min to make the 10 min round trip to the P.O as by the time you get him ready the pram out etc.
Just check similiar listings work out the p&p and see how much you can add n the p&p still be reasonable
Re: poundland i bought 5 huge ones slightly bigger than A$ for a £1 2 weeks ago and 10 A5 for a £1 also so definitely worth a trip
#21
Thanks to everyone - lots of good advice - I am in scotland - north of Dundee and South of Aberdeen so bankruptcy laws are different here, thinks its quite difficult to declare myself bankrupt. I know I just have to see it through till kids are a bit older and then get part time work soewhere...Got to go but will read moe once kids are bedded!

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