Budget planner results - advice where to cut back?

littlepinkstars44

sorry deleting this

bargainbetty

littlepinkstars44 wrote: »

Income:
Wages from p/t job: 350 (can sometimes be £400)
Student loan: £340

= £690!

Outgoings:
Rent: £150 (to my mum)
Phone Bill: £40+ (was £80 this month and £120 the month before) Can you reduce/fix your tariff?
Coffee/lunches etc: £15 Take home made lunches, and drink the free stuff at work.
Fags: £20 Quit?
Bus: £11.50 a week Would a monthly ticket be cheaper?
Shopping for fun: £40
books, music, dvds: £20 Plus the £40 above, and the £40 for clothes, that's £100 fun money.... could you reduce this?
cinema: £12
New Clothes: £40
Magazines: £10 You could reduce this by reading newspapers etc online.
Bills/Dept payments: £250

= £687!

It might also be worth looking at your debts to see which is costing the most in interest and see how you could best repay things.....

Anyway, welcome to the boards, and good luck!

x

littlepinkstars44

bargainbetty wrote: »

It might also be worth looking at your debts to see which is costing the most in interest and see how you could best repay things.....

Anyway, welcome to the boards, and good luck!

x

sorry deleting this

boredofbeingathome

Have a look at the raise your income thread..maybe do some mystery shopping and get your meals/dvds etc for nothing doing msing.
Cut back on treats, have alook at Tesco's new payg deal..i have shown my kids it and they are impressed!
Do you have to have lunch at college/ mine are at uni and college and all take their own.
papers are free in college library. You can get magazine deals on most of the forums through quidco..if you really must. You can also get a student account which should give you even further reduced travel options, and an interest free overdraft to use( only emergencies)
Fags if you can't quit, try rollups..also most colleges are putting fag shelters further out of reach so you may benefit from quitting..save you a fortune and you won't freeze your arriss off.
Keep coming on the forums, i am sure we can think of more ways to help you.

littlepinkstars44

boredofbeingathome wrote: »

Have a look at the raise your income thread..maybe do some mystery shopping and get your meals/dvds etc for nothing doing msing.
Cut back on treats, have alook at Tesco's new payg deal..i have shown my kids it and they are impressed!
Do you have to have lunch at college/ mine are at uni and college and all take their own.
papers are free in college library. You can get magazine deals on most of the forums through quidco..if you really must. You can also get a student account which should give you even further reduced travel options, and an interest free overdraft to use( only emergencies)
Fags if you can't quit, try rollups..also most colleges are putting fag shelters further out of reach so you may benefit from quitting..save you a fortune and you won't freeze your arriss off.
Keep coming on the forums, i am sure we can think of more ways to help you.

Thanks i have signed up to a load of myster shopper sites, am waiting to hear back from them!
I have 2 student overdrafts that are maxed out, an am trying to pay one off (cause it's no longer a student account an went way over my limit)

boredofbeingathome

ooerr on the overdraft..i would still have alook around and try for a different overdraft somewhere else.
Don't forget to try and claim back any charges, you never know!
Any chance of getting some extra work for a while?

littlepinkstars44

boredofbeingathome wrote: »

ooerr on the overdraft..i would still have alook around and try for a different overdraft somewhere else.
Don't forget to try and claim back any charges, you never know!
Any chance of getting some extra work for a while?

I am in the proces of trying to claim back charges made a few posts over on that forum for help for it!
I can't get another one, my credit rating is 0! (according to experian)
To be honest i'm so stresse with college work at the mo i can bearly manage doing 14 hours in my current job!