HELP! Have cut back all I can but am still over-spending!

upsidedown_bear wrote: »

what about this? :d

I want one!!!!

Hi there SnS. You have on balance been given more good advice than condescension, and I am glad you can see that. Sometimes you do have to take a deep breath and try and see that they mean well, even if they do have terminal foot in mouth:eek:

Just a quick question, ref losses at school by the kids, do they have to buy what they lose out of their pocket money? It cut down my stationary (read my two DS's stationary) cost alot when suddenly their pocket money had to go on 'boring' stuff like erasers and pens etc. I take it you have looked in school for the socks/lunch box?

Ref the trips to school, would your lowish income mean you would be entitled to help from the school with these trips?

And now the income. I noted that virtually every post looked at ways of cutting back but not at the other side of the coin ie the bringing in more money.

You mention that you are self employed. Are you able to claim any of the electricity/broadband costs back via the business? Also did you check with your buildings insurer and the deeds that you are ok to work from home? Sorry not really relevant I know, but it might make a difference to the premiums for the buildings insurance, if you run a business from home.

So the business, I take it that after all costs are paid out, that you are able to take a wage from it? If yes then is there any way of getting more work, eg via linkedin, or business link type organisations? Could you earn more money in house now in a company? I am guessing that you worked from home till now because of the kids?

For both of you their are loads of challenges on various forums on here to up your income. Some off the top of my head, are the present neutral challenge, where all presents/ xmas are funded not sources other than wages eg surveys sites, selling second hand stuff on ebay, making stuff for presents etc.

You could potentially both do surveys on line. Your OH would probably get more than you as they need males to make the quotas.

Then there are sites like swagbucks where you earn points which convert into vouchers.

Over time they do build up. And then there is competition entering. Not necessarily things you will use but to try and win things you can sell.. It is a bit time consuming, and maybe if you can raise the income from your business that would be a better use of your time, but if not then these other small revenue sources might be of help.

Cheers
chev

ps you are getting the correct amount of benefits aren't you? Oh and don't forget about being able to get energy grants to improve insulation which might help with the bills too.

Kantankrus_Mare wrote: »

Loving the avatars


I agree on the swagbucks thing. I have dabbled for years on various sites trying to earn a little extra but swagbucks really works.

I have earnt £50 in amazon vouchers since christmas.

It help with birthday presents, xmas presents and the odd treat for me.

Well worth a look. !

£50 since christmas is really good going. Do you mind me asking how? Is it searches and TV or do you do anything else?