Bumbling along to be Mortgage Free

pammyj74

Stuff I sell I can send in a normal envelope, it is a lot easier isnt it. I hate the hassle of having to wrap or box something up and then go to the PO.

SAHMto2boys

Ebay is so random. I think people would buy anything on there, do you have a Home Bargains round your way as they always seem to have cheap toothbrushes in?

How strange that the shop stuff isn't selling.

katsu

It is scarey isn't it? DH and I were talking yesterday about how we are OK unless we lose our jobs (we do have a small emergency fund). I've been thinking the same as you, need to do more to understand our outgoings and how we can reduce them as none of us know how things will change.

LittleBit_2

That's really scary. I didn't hear that, but we like you would be a lot worse off. At the moment we get around £200 a month Child Benefit and tax credits combined, and then in November it will go down to £160. If they stopped those I would pretty much be going back to work for about 30p an hour (as I would have to pay out so much in childcare). I didn't realise that child benefit could be stopped, I thought that was just a given that you would always receive it.

SAHMto2boys

Thats really scary for me about the Child Benefit. Its the only thing we are entitled to and I think its £136 for the two boys and that buys all the extra things they need - to stock up on super cheap nappies for the baby, shoes, clothes, etc. Yikes. That is a rather large hole that would need to be filled in my budget.

Just be googling about them cutting it as I didn't think they had said child benefit but more the tax credits but yep, they are among the things that could go. Yet again, families are hit hard. Saying that though I think everyone in the country will be hit hard to sort out Labours spending mess. Sorry, I'll climb off the soapbox now.

I know your budget it really tight but hope you get some comfort knowing that you can overpay, you 'find' cash to be able to do that. If things get really bad, yes you're aren't able to afford to overpay but can afford a roof over you head and food in your tummies unlike a lot that could lose everything, you'll be struggling but you'll survive. Please don't worry, like you say you can't control it, its something we are just going to all have to ride out.

katsu

I wish this was happening when we were further along the road of being MFW and safer, but I guess you never feel safe enough. At least all of us here are living inside our means so are better placed than other people to adjust our outgoings - althought we don't have as many easy places left where we can cut spending

GreenNinja

SAHMto2boys wrote: »

Thats really scary for me about the Child Benefit. Its the only thing we are entitled to and I think its £136 for the two boys and that buys all the extra things they need - to stock up on super cheap nappies for the baby, shoes, clothes, etc. Yikes. That is a rather large hole that would need to be filled in my budget.

Just be googling about them cutting it as I didn't think they had said child benefit but more the tax credits but yep, they are among the things that could go. Yet again, families are hit hard. Saying that though I think everyone in the country will be hit hard to sort out Labours spending mess. Sorry, I'll climb off the soapbox now.

I know your budget it really tight but hope you get some comfort knowing that you can overpay, you 'find' cash to be able to do that. If things get really bad, yes you're aren't able to afford to overpay but can afford a roof over you head and food in your tummies unlike a lot that could lose everything, you'll be struggling but you'll survive. Please don't worry, like you say you can't control it, its something we are just going to all have to ride out.

No offence but when you say "once again families are hit hard" I don't agree with you. In the main families get all the breaks. People with kids get child benefit, tax credits etc. Single people and people without kids don't get any extra income only what they earn from their jobs.

LittleBit_2

GreenNinja wrote: »

No offence but when you say "once again families are hit hard" I don't agree with you. In the main families get all the breaks. People with kids get child benefit, tax credits etc. Single people and people without kids don't get any extra income only what they earn from their jobs.

But if single people don't get these benefits, then they can't lose them can they? So it is the families that are getting hit.

GreenNinja

LittleBit wrote: »

But if single people don't get these benefits, then they can't lose them can they? So it is the families that are getting hit.

No but we are paying into the pot so that you can have them. Maybe the question should be, should you have had them in the first place? Playing devils advocate I know but its a valid point.

SAHMto2boys

Quote:
Originally Posted by SAHMto2boys
Thats really scary for me about the Child Benefit. Its the only thing we are entitled to and I think its £136 for the two boys and that buys all the extra things they need - to stock up on super cheap nappies for the baby, shoes, clothes, etc. Yikes. That is a rather large hole that would need to be filled in my budget.

Just be googling about them cutting it as I didn't think they had said child benefit but more the tax credits but yep, they are among the things that could go. Yet again, families are hit hard. Saying that though I think everyone in the country will be hit hard to sort out Labours spending mess. Sorry, I'll climb off the soapbox now.

I know your budget it really tight but hope you get some comfort knowing that you can overpay, you 'find' cash to be able to do that. If things get really bad, yes you're aren't able to afford to overpay but can afford a roof over you head and food in your tummies unlike a lot that could lose everything, you'll be struggling but you'll survive. Please don't worry, like you say you can't control it, its something we are just going to all have to ride out.

No offence but when you say "once again families are hit hard" I don't agree with you. In the main families get all the breaks. People with kids get child benefit, tax credits etc. Single people and people without kids don't get any extra income only what they earn from their jobs.

No offence taken however if you read my post (I've highlighted it above so you can't miss it) then you'll notice I said eveyone will be hit hard.


Michelle - fab, positive post, just thought I'd throw my two pennies in as I didn't want you worrying yourself silly (although can I admit I'm really worried about it all too). Woohoo on the book:)