Fed up - a rant!

Drea

redsquirrel80 wrote: »

Have you thought about moving into a room in a shared flat? It's hard to adjust to when you've been used to living on your own, but it is much cheaper. It can also be good when you don't have money to go out, if there's someone to talk to and share a bottle of cheap wine with!

I have been thinking it's my only option recently. But I have to wait until my contract is up here.

aliasojo

I've not got any advice for you I'm afraid but I just wanted to say I completely understand and sympathise. What you have written is largely why my eldest 2 still live at home.

Times are hard just now for a lot of people but I always feel sorry for the younger ones who are having to scrimp and save during a time of their life when they should be able to live a little before getting bogged down in families and heavy responsibilities. (God...I AM my Mother! :rolleyes: )











Or at least I did feel sympathy for you until I read your sig.:rolleyes: Diana sucks! :rotfl:

Drea

aliasojo wrote: »

Or at least I did feel sympathy for you until I read your sig.:rolleyes: Diana sucks! :rotfl:

:eek: No! She'll be in the final, you'll see

Thanks for the reply, feels sometimes like everyone is looking down on me for not quite managing things, nice to know some people see how it is!

Gemmzie

Your SOA looks like you should just be able to afford your normal outgoings, or has something changed since you budgeted for it?

jenjade

it is dianas hands that bug me! there are always next to her face and it drives me insane

redsquirrel80

Drea wrote: »

I have been thinking it's my only option recently. But I have to wait until my contract is up here.

How much longer have you got to go there? I would seriously consider contacting your landlord/ letting agent and explaining that you're finding things tight financially, and see if they'll let you out of the contract with maybe a month's notice. I know my landlady is willing to do this with people.. you may already have tried, if not, it's got to be worth asking.

whitewing

Drea,

Well, I am applauding you for being on this website at such a tender age. I wish I'd been on it when I was 21. When I think of the money I have chucked away due to sheer ignorance it makes me shudder.

Rather than a house share when your contract runs out, why not think about lodging somewhere. That way you may have your bills included, so you can focus on clearing debts and managing within your budget.

pointypenguin

As just said the below shows you have just enough to break even a month and if you don't pay for presents then you should have £29 spare a month. Are you getting single person council tax discount? Also I know you don't really have any entertainment but do you need the satellite tv?


Statement of Affairs

Monthly Income Details
Monthly income after tax................ 912
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 912

Monthly Expense Details
Mortgage................................ 0
Secured loan repayments................. 0
Rent.................................... 485
Management charge (leasehold property).. 0
Council tax............................. 108
Electricity............................. 38
Gas..................................... 34
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 10
Mobile phone............................ 15
TV Licence.............................. 11
Satellite/Cable TV...................... 10
Internet Services....................... 10
Groceries etc. ......................... 80
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Car Insurance........................... 0
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 36
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)...... 13
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 850

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured Debt

Unsecured Debts
Description....................Debt......Monthly...APR
Vanquis........................232.......10........39.9
Council Tax owed...............324.73....0.........0
Provident......................300.......36........183.2
Total unsecured debts..........856.73....46........-

Monthly Budget Summary
Total monthly income.................... 912
Expenses (including secured debts)....... 850
Available for debt repayments........... 62
Monthly UNsecured debt repayments....... 46
Surplus(deficit if negative)............ 16

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total Secured debt...................... -0
Total Unsecured debt.................... -856.73
Net Assets.............................. -856.73

Drea

Gemmzie wrote: »

Your SOA looks like you should just be able to afford your normal outgoings, or has something changed since you budgeted for it?

No

I get around £900 a month.

£485 rent
£108 council tax (that's what i worked it out as, might not be quite right, I know, head in the sand type thing going on here)
£38 gas
£38 electricity
£36 bus pass
£80 ish for food
£10 credit card
£40 provident loan

Hmm your right, that should mean I have £65 left still... where on earth is my money going!

Drea

Oh I'm forgetting my £30 - £40 virgin per month and my £11 TV license.

I don't have sat TV, I have the freeview option from Virgin, the TV doesn't cost me. It's my internet that costs the most from them. I've tried to get them to reduce the bill, but doesn't seem to be working :rolleyes:

whitewing, as a lodger doesn't that mean I wouldn't be able to have any guests? Not that I have any anyway but I'd like to be able to invite people round now and then..