Can someone kick me into gear please?!

boredofbeingathome

LilacPixie wrote: »

Well my day is turning from bad to worse. I have physio at 2pm but don't think i will go. The £2 for car parking is a con and OH just called me, he has hurt his side and is coughing up blood :eek: . Looks think the cold he had has turned into a chest infection :eek: . He is working around 100 miles away from home in inverness so is getting medical help up there but it looks like he will have to come home. That means I will have to drive up and get him using petrol we don't really have . Obviously his health is more important than anything but it means we will be starting another month on the back foot so to speak.

I hope he is alright LP, how soon will you know if he has to come home?

penguin83

I know BOB I have been saying about changing suppliers since day one here which was 14 months ago! We are with N Power and pay 100.00 pm gas and I pay the electric when the bill comes once every 3 months - last one was 150.00 - so about 50 pm. I tries U switch but have no idea of our usage and havent a clue where the bills are - that is my job when the kids go back to school to sort the paperwork out!

Must not touch bank account and that will be fine. Trying to figure out if I am brave enough to post my up to date SOA! It might shock me into action. x x

mum2one

Hope oh is ok, you take care as well dont want the both of you poorly.

It siounds like youve just has a downslide month, it happens to us all, but on the positive side you have done well, youseem to be on top of everything with the spreadsheet for money etc, have you done a new soa, maybe its worth putting it up and see if anyine else can find nay more saveings.

You both take care xx

LilacPixie

Sorry for the thread hijack penguin.

OH has a bad chest infection and a blood clot in his lung. :eek: He is up in Raigmore hospital in Inverness. hope to get him transfered closer to home if he will be in any lenth of time otherwise I will need to drive up there and see him and get a B&B. I bet the silly man has been sore for ages but put off going to the Dr. :rolleyes:

taxi73

Hi Penguin..only just found this thread....you are taking positive action and there are a few good things in there..you have enough in the bank for those bills...you have enough to cover some of the other stuff as well...so all good...
£100 p/m for gas is awful ouch !!!!...but all that expensive stuff is out of the way now.
A SOA is perhaps a good idea.I feel for you not knowing how much is coming in from week to week as we are the same.That's why I find A SOA hard to do.
Lilacpixie...sorry to hear about your DH hope he gets better soon.

penguin83

Lilac - hope your OH is ok - sounds nasty. Dont worry about hijacking - the more the merrier!

Taxi - thanks for the comments, it is a lot better than I thought - just not as good as usual! The soa is a nightmare to do, but OH likes having a target to work towards so I just set a target for 6 days a week (slave driver I am!) to give a rough figure.

SOA on its way but dont shout! x x

penguin83

My income - 2100.00
OH income - 2500.00
Child Ben - 120.80
(DLA - 455.00)

Total 4720.80 (5175.80)

Outgoings

Mortgage - 931.13
Council Tax - 109.00
Water - 53.51
Gas - 100.00
Elec - 50.00
Phone - 50.00
Mobiles (x2) - 20.00
Life Ins - 28.56
Sky - 33.00
TV Licence - 12.00
Car Insurance - 83.00
Stable Rent - 98.90
Livery - 150.00
Feed and other - 105.00
Fuel - 500.00
Food - 400.00
Nursery - 550.40
Car Settle - 344.00
Radio Settle - 344.00
Meals at work - 86.00
Cigs - 200.00
Nan - 50.00

Total - 4298.50

Available for debt payments - 422.30 (877.30)

Minimum debt payments come to £610.00 but supposed to be snowballing with 1000.00, which has been possible in the past with overtime and OH earnings. He keeps his tax money separate so that never comes into the household money but the rest of the work expenses are paid out of the one pot which is why I have included it in here. We also pay an accountant but Im not sure how much so will ask OH that.

I know savings are to be made on shopping, smoking, phone and utilities but I have yet to practice what I preach! x x

boredofbeingathome

penguin83 wrote: »

My income - 2100.00
OH income - 2500.00
Child Ben - 120.80
(DLA - 455.00)

Total 4720.80 (5175.80)

Outgoings

Mortgage - 931.13Is this interest only?
Council Tax - 109.00Put on 12 months if poss
Water - 53.51
Gas - 100.00You know what to do:rolleyes:
Elec - 50.00ditti
Phone - 50.00Change suppliers here as well, mine is £19.99 all in with broadband, cashback at quidco with Talktalk
Mobiles (x2) - 20.00
Life Ins - 28.56
Sky - 33.00reduce or put phone and broadband on
TV Licence - 12.00
Car Insurance - 83.00search for cheaper provider
Stable Rent - 98.90any chance of cheaper?
Livery - 150.00ditto
Feed and other - 105.00ditto
Fuel - 500.00this business related could separate
Food - 400.00Defo reduce, see you on oldstyle:rotfl:
Nursery - 550.40when will this stop? any work vouchers or any other way of reducing
Car Settle - 344.00
Radio Settle - 344.00
Meals at work - 86.00Take your own
Cigs - 200.00bad pingu:rotfl:
Nan - 50.00

Total - 4298.50

Available for debt payments - 422.30 (877.30)

Minimum debt payments come to £610.00 but supposed to be snowballing with 1000.00, which has been possible in the past with overtime and OH earnings. He keeps his tax money separate so that never comes into the household money but the rest of the work expenses are paid out of the one pot which is why I have included it in here. We also pay an accountant but Im not sure how much so will ask OH that.

I know savings are to be made on shopping, smoking, phone and utilities but I have yet to practice what I preach! x x

Ok hun, well done for posting these. I have added a few thoughts and reckon you can make even more savings..you will be practising what you preach..as have turnips waiting tha knows..good luck with it.:D

I think you have a pretty good set up already, and i am sure you will make it you know..way to go with snowballing etc:T

penguin83

Thanks Bob - Mortgage is repayment. Will definately look into utilities - have turnips at the ready, they may need to be rotten! Car insurance is actually pretty cheap for hire and reward but will still look in case we can find better. Nursery fees will stop in Sept 09 but we may need to pay for DS to go private if he doesnt get the state school that he needs but that is a last option so hopefully we wont need to go down that road. The food is a definate contender to reduce we have to buy 3 big packs of nappies a week for DS though and that is about 27.00 but that technically would come from his DLA money anyway. Cigs is another definate reduction - I used to have about 3 a day but this has risen to about 10 -OH also smokes but he doesnt want to quit at the mo unfortunately. x x x

In_Search_Of_Me

I assume from livery that you have a horse? is there any way you could share this with someone? takes the pressure of financially and ractically. also could you spend less on mobiles and just use in a dire emergency. re petrol can some be claimed back for tax? well done on doing an soa though...I never have. also can you reduce sky package for a while? phone, broadband and mobiles costing you an awful lot each month....keep up the good work though!