Please shout at me!!!

Kataratarina

ok, i have debts of around 8k!! ive recently moved in with my bf and pay rent but would like help of how to cut down but also pay my debts quicker. i dont want to ask my bf for help because he has his own...

each month i pay:

275 rent
10 cable, broadband,tv
25 my mobile (recently reduced from 30pm-due to end in july)
35 my bf mobile (cant reduce until 9mths in to contract)
125- car loan with halifax (4years left)
100- loan to help with moving in ( bf to give 50 towards this)
20-electric- got a meter in and spending 10 a week!
40-60 diesel (drive to work everyday) 3 a day from auntie towards diesel!
60 road tax due in feb
35- car insurance
14-tv licence
80- shopping
oil- we havent bought yet, as there was some in tank when we moved!

plus i smoke!!! 25-35 a week-yikessssss:eek:

my wages are after tax 1000 or 1120 with overtime!

is there any way i could transfer the 2 loans onto a 0% credit card?

i have no savings and i am s***e with money!! please dont shout!!

welcome to any suggestions.....ive been as honest and as open as i could!!

McKneff

No one is going to shout at you.

why are you paying for your bf/s mobile.

Learn to roll your own

£80 shopping for two:eek:

Your post would be easer to sort out if everything was what you paid per month

Kataratarina

it is except for the cigs- 140 a mth!!! eeeeeeekkkkk

i took it out for his b*day- stupid i know but thats me!! once my contract is up in june i'm going payg!!!

with regards shopping- we spend around 40 a week- although seem to get more when we go to asda compared to tesco!!

i have stardrops but use bleach etc fo cleanliness!!
toilets rolls- our local chemist does 12 for 3.50!! tesco can be upto 5ish!!

i am trying- although should probably try and stop smoking!!

Kataratarina

McKneff

your road tax says £60 i imagine this is per year.
your shopping says £80 then you say £40 per week so that would be £160 per month which isnt too bad
I was being serious about rolling your own cigarettes, takes a while to get used to it but you do eventually. Buy some ordinaary cigarettes for going out or in public, but you would be surprised at the amount of people (women and men)
smoke rollies. I am a smoker and i dont want to stop at the moment so its rollies for me. My husband and i go over to Amsterdam twice a year to stock up for the next 6months, half the price of the UK. Yes, we have to get there
If we time it right it costs us £35 each on the Hull Ferry, March & September
£100 loan for helping moving, is that per month or just a one off payment

SweetPea23

Kataratarina wrote: »

it is except for the cigs- 140 a mth!!! eeeeeeekkkkk

i took it out for his b*day- stupid i know but thats me!! once my contract is up in june i'm going payg!!!

with regards shopping- we spend around 40 a week- although seem to get more when we go to asda compared to tesco!!

i have stardrops but use bleach etc fo cleanliness!!
toilets rolls- our local chemist does 12 for 3.50!! tesco can be upto 5ish!!

i am trying- although should probably try and stop smoking!!

If you try to think its just to wipe your bum and flush away rather than having a luxury sheet, get 12 rolls for £1.20-ish from Asda or Tesco, we use them and they aren't bad at all. £40 a week for 2 of you who both work is a lot, we spend no more than £30 a week for 2 adults, a child and animals, we do eat really healthily though because it works out cheaper. There are some fantastic cheap recipes on here, try to do a meal plan for a week/2 weeks, stuck to the list and you should be able to reduce the £40 quite a lot. Roll ups are a lot cheaper if you can't give up smoking, you could always buy cigarettes for when out (convenience) and then roll ups at home.

inkedelephant

I agree with SweetPea. I think with regards to food, I reckon you should be able to halve that if you plan your means properly. I am starting to do that and make my lunch. Which all again take alot of planning. I still snack and things like that but its still alot less than what I used to spend. I think maybe talk to your bf about paying for his own fone... good luck with it all. I joined a couple weeks ago and I've found this a very helpful non-judgemental place with fab people. Just gotta keep communicating.

Kataratarina

i mite actually try and use rollies!! would love to stop but until then i could smoke rollies...

toilet rolls- i tried the asda ones and i know because of the purpose of them it shouldnt matter but it felt like i was using more plus the rolls are smaller?

i know the shopping could be lower but i'm such a fussy eater (although my weight says otherwise) i hate fruit and veg - cue shock**

but road tax is 120 over the year but i only paid it in oct for 6mths case i couldnt afford it!!

i'll defo try the rollies and the loo roll but with regards my debt (its 100 a mth for 2 years-needed it for deposit and 1mths rent) and my car is 125 from my loan with halifax- can i pay this off on a cc and pay it quicker!!! hate loans!!!!

paybacktime2008

If you fill in the SOA calculator on the sticky at the top of the forum your ingoings /outgoings will be much easier to work with. I reckon you would end up with a surplus which would mean that money is being 'lost' Might be worth doing a spending diary for a week or two to see where that money is going.

Billy_two_speakers

Kataratarina wrote: »

it is except for the cigs- 140 a mth!!! eeeeeeekkkkk

i took it out for his b*day- stupid i know but thats me!! once my contract is up in june i'm going payg!!!

with regards shopping- we spend around 40 a week- although seem to get more when we go to asda compared to tesco!!

i have stardrops but use bleach etc fo cleanliness!!
toilets rolls- our local chemist does 12 for 3.50!! tesco can be upto 5ish!!

i am trying- although should probably try and stop smoking!!

agree with above BUT will not scrimp on loo rolls no way no way !!!!:rotfl:

got to be andrex

McKneff

i have to admit i dont like scrimping on loo rolls, i usually go fo rthe good ones but look at the shelf and see what they cost singly and go for it. no pum intended

Dont you love this site and see, i told you no one would shout at you