In a bit of a mess

MrsTinks

Yes you can leave on the day of the end of your tenancy - you need to give notice 2 months prior to this so Oct.

You need to STOP spending money on food - ok you need food but you are digging a serious hole here! Organic food is nice, but you are getting into more debt each month! £8 for lunch... You what??? I go to London for work fairly often and I can't even spend that if I buy M&S sarnies, drink and treat!!! STOP! Take a packed lunch!
You do need to resolve this mouse problem however - it's unsanitory... I would contcat CAB or someone about the legal aspect of this - I don't suppose you put your original complaint about the mice in writing?

Get yourself organised and find someone to flat share with you - make sure they know it's a short term rolling agreement - ie they might only be there 1 or 2 months OR they might be there till Dec...

Get settlement figure on your TV... Paying £100 instead of £50 - good... but of what remaining debt!

Horace

Andrew thanks for posting your SOA.

Your grocery bill is way too high for one person. Look on Moneysaving Oldstyle for tips on meal planning etc.

Shop in places like Lidl where you can buy good food cheaply. As others have said take a packed lunch to work each day rather than spending £8 on lunch. If you have a window box or a pot on window sill you can grow your own salad leaves cheaply. I live on my own as does my chap (he lives in Kennington by the Oval) and both of us live on £80 a month max. I live quite well and buy my meat at a local butcher (look for one with a long queue outside as this is the sign of a good one), veg I may buy in Lidl or as I am close to the countryside from a farm or local greengrocer. Everything else comes from Lidl.

As your mouse investation is so bad, speak to your environmental health department - say that the mice are making you ill and then tell your landlord that they have been out, give the environmental health people the name of your landlord whilst you are at it as they will most likely want to speak to her.

Hope this helps and good luck.

peb

OKay - The tenancy ; as a tenant (as opposed to Landlord) you can serve one month notice; the two months is for the Landlord. I am surprised that it is a 1 year tenancy; AST should be 6 months. Get proper advice on this - I have to say the CAB are usually Carp on this point and advise on the basis of the agreement and not the law.

Premier_2

Here me with my "rediculous" posts again! :mad:


Get onto the council and get yourself a 25% sole occupany discount on the council tax

I know I told you before, but I don't think it's sunk in yet.
http://forums.moneysavingexpert.com/showthread.html?t=1068095

Carmex_Fan

tt]
Statement of Affairs and Personal Balance Sheet



Monthly Income Details

Monthly income after tax................ 1550

Partners monthly income after tax....... 0

Benefits................................ 0

Other income............................ 0

Total monthly income.................... 1550



Monthly Expense Details

Mortgage................................ 0

Secured loan repayments................. 0

Rent.................................... 375

Management charge (leasehold property).. 0

Council tax............................. 75

Electricity............................. 25

Gas..................................... 25

Oil..................................... 0

Water rates............................. 20

Telephone (land line)................... 10

Mobile phone............................ 35

TV Licence.............................. 9.16

Satellite/Cable TV...................... 30

Internet Services....................... 0

Groceries etc. ......................... 50

Clothing................................ 0

Petrol/diesel........................... 30

Road tax................................ 220

Car Insurance........................... 57

Car maintenance (including MOT)......... 0

Car parking............................. 0

Other travel............................ 80

Childcare/nursery....................... 0

Other child related expenses............ 0

Medical (prescriptions, dentist etc).... 0

Pet insurance/vet bills................. 0

Buildings insurance..................... 0

Contents insurance...................... 0

Life assurance ......................... 0

Other insurance......................... 0

Presents (birthday, christmas etc)...... 0

Haircuts................................ 0

Entertainment........................... 0

Holiday................................. 0

Emergency fund.......................... 0

Total monthly expenses.................. 1041.16



Assets

Cash.................................... 0

House value (Gross)..................... 0

Shares and bonds........................ 0

Car(s).................................. 8000

Other assets............................ 0

Total Assets............................ 8000



No Secured Debt



Unsecured Debts

Description....................Debt......Monthly...APR

C Card.........................3700......80........0

C Card.........................1700......0.........0

Total unsecured debts..........5400......80........-



Monthly Budget Summary

Total monthly income.................... 1,550

Expenses (including secured debts)....... 1,041.16

Available for debt repayments........... 508.84

Monthly UNsecured debt repayments....... 80

Surplus(deficit if negative)............ 428.84



Personal Balance Sheet Summary

Total assets (things you own)........... 8,000

Total Secured debt...................... -0

Total Unsecured debt.................... -5,400

Net Assets.............................. 2,600



Created using the SOA calculator at https://www.makesenseofcards.com. [/tt]



======== Enter any other useful information below ========



e.g. the number of adults & children in the household, the number



of cars included in the SOA or anything else that may be useful.

Carmex_Fan

Sorry I just put mine up there, needed to work out if I should use a loan

Debt_Free_Chick

Carmex_Fan wrote: »

Sorry I just put mine up there, needed to work out if I should use a loan

Better to start your own thread e.g. "My SOA" or "Carmex Fan's SOA" - then you know that all the replies relate to your situation and not anyone else's.