I’m on Universal Credit and using Klarna to pay for Christmas but I’m terrified
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MUM Eloise King is worried she might have to cancel Christmas this year as she doesn’t have a penny left after bills. The 22-year-old single parent to Jude, 3, and Olivia, 2, lives in two-bedroom council house paying £550 rent in Whitstable, Kent. “I’m battling just to cover my little family's monthly costs,” she said.
![[Eloise King is worried she might have to cancel Christmas this year]](https://www.thesun.co.uk/wp-content/uploads/2024/12/a16bdc97-394e-4dd8-8aa7-eb4f8a398a0f_04aa0c.jpg?strip=all&w=540)
“I might have to cancel Christmas for me as I don’t have a penny left after bills. I have tried everything to stretch my budget.”. “It is crippling. “Price hikes and shrinkflation have impacted everyone I know. “At the end of each month I have no money for emergencies. I live from week to week.
![[The mother of two does not have a penny left after paying her bills]](https://www.thesun.co.uk/wp-content/uploads/2024/12/2ad33e85-5b62-4d83-b062-44360c17f50e.jpg?strip=all&w=720)
“The festive season should be joyous. Instead, it is now daunting and financially terrifying.”. The former cleaner has even considered using Klarna to pay for gifts. “Other mums like me are desperate to make Christmas perfect for our children. “The only way I can even consider Christmas is using Klarna and another buy now pay later scheme.
![[Eloise is worried she will not be able to buy gifts for her young family]](https://www.thesun.co.uk/wp-content/uploads/2024/12/NINTCHDBPICT000956594448.jpg?strip=all&w=540)
“I am already using BNPL for groceries. “Now it is the only way I can pay for my children’s presents, make Christmas fun for them, and make ends meet.”. Eliose gets £1,650 a month in Universal Credit - but once she’s paid £550 in rent and the rest of her bills are covered she doesn’t have any money left.
![[Eloise said she carefully budgets each month to make her BNPL payments]](https://www.thesun.co.uk/wp-content/uploads/2024/12/NINTCHDBPICT000956594454.jpg?strip=all&w=747)
