please help me im really scared

talana

Ok, I haven't visited this thread since page1, so if I'm behind the discussion I apologise.

But getting you through the next few weeks then.

10th july - 19th july
incomings
200 in bank + 142 wages + 110 elec refund = 452
outgoings
benificial finance 81.17
laptop 40.69
loan 49.77
gas 60
elec 45
[STRIKE]overdraft 100[/STRIKE] why pay this this week? Paying off an overdraft doesn't have to be on fixed weeks, pay when you have a weekly surplus.
bt 40
sky 46 you are going to cancel or reduce this at some point?
60 petrol for month
29.37

mummyofboys

hi i have to pay it as my bank is in collections with the bank, its a repayment plan as my overdraft is so high, im going to see if i can get some extra shifts at work as well, doubtful but worth a try!

i will do the petrol thing the_cat i will ju give him ten pound this week

the_cat

Like I said call the bank and negociate. You could afford £50 (just about) but a double payment next month with none this month would be best. Remember it's in their best interest to come up with a plan that will help you pay it back as they want their money. You can't pay them if you don't have the money so don't be fobbed off

mummyofboys

thankyou i will ring them first thing monday morning.. i had my first nights sleep in ages last night thanks to everyone on here. I spoke to my stepmum this morning re childcare and she said she will let me know by monday as she needs to try and swap her days at college, hopefully it will be a yes!

Lugh_Chronain

jay_mi10 wrote: »

this seems to be the best quote for contents insurance.

jay_mi10 wrote: »

direct line
11 instalments of 15.50
contents insured 50grand
no volentry access
no personal persations
accidental damage
family legal protection
2 grand single article limit

at the moment im paying 23.96 just to insure my two tvs ,play station and my laptop

Im just unsure as exactly what it covers eg, do they only replace not repair? if its repairable would they replace still or would i have to pay someone else to fix it

Call them and ask what's included and make a list. Ask them if x and y etc are included in the cover.

You could buy your insurance via a cashback site too. Try signing up to one like Quidco which I suppose is the best one. I got about £35 cashback for my contents insurance. I'm presently with Lloyds TSB.

Lloyds wasn't the cheapest but it was giving the best cashback amount. I think it was second or third cheapest choice.

There's a raft of comparison sites mentioned in Martin's home insurance article,and you might want to try them all to find the cheapest. Don't forget to make sure to find out what's included in each of the cheapest result.

You can also check how much cashback you’ll receive by checking the Cashback-Sites Maximiser.

You might find this helpful for the 15 hours early years education as mentioned by pandora205.

As regards to shopping, you might find these website useful:

MySupermarket.co.uk

For top offers, but only get what you need until you've all your debts paid off. You might want to trawl through all the supermarkets mentioned on this website. You can do this by hitting each supermarkets button.

MadAboutBargains.co.uk

And you can check prices for Lidl, Aldi etc here. Though all prices might not be listed it is a good start.

I tend to purchase a few things in the 99p Store too, and again only get what you need as you could probably get things cheaper elsewhere believe it or not. It always pays to check first.

mummyofboys

thanks so much, what is quidco i have never heard of or used any cash back sites, how do they work

the_cat

www.quidco.com

basically, many companies offer what is effectively an opening bribe of some cash paid directly back into your account for taking our a policy (plus lots of other stuff and shopping too) It takes you up to about 3 months to get the money back. Get some quotes first from somewhere like www.confused.com and then see if any of the cheapest quotes offer cashback if you get them via quidco. this gives you an extra discount
have a browse on the link above to see how it works in full

Lugh_Chronain

I actually got £42 cashback for purchasing insurance via Quidco, I checked this earlier. Lloyds TSB’s contents insurance was £52.41 meaning I only paid about £10.41 for it after cashback.

There’s more information about cashback sites here. Sorry I keep bombarding you with info but do try and look in to it if you can and maybe consider adding some to your favourites for reference.

Cashback sites aren’t 100% guaranteed but they do generally payout. You can also enquire if they don't, they do tend to look into it if there's a problem.

mummyofboys

hiya everyone,

thankyou- i am still reading everything you have suggested and reading more posts on this site. Have been going through all my debts, i have realized - it is not as bad as it seems, i dont have a mortgage, my total single debts add up to 5750, and i know i can cut back a hell of alot and try and pay it off bit by bit. Just by cutting out silly things i waste money on. I normally spend around 5.20 a day in getting to work so i have decided starting tomorrow, i will walk therefore saving me 26 pounds per week, 104 per month (5 days per week) this is going to be put in a piggy bank and spent on my debts each month. I told my boyfriend today about cutting back on things so i can pay of my overdraft so we can have another child and he was fine. I also think my stepmum will agree to doing the extra day instead of childcare which will save me alot.

I had a great day today, we took our son to the science and industry museum today and then for a walk around town and had some sandwitches we brought with us! All it cost was petrol money! had a really good day , my little boy enjoyed it!No SPENDING!

Next week - i have sorted i have cancelled my bt direct debit( im changing to sky and also was in 80quid credit,saving 40 pound, and my boyfriend is only having 20 for petrol until it runs out instead of all in one go

Dan0017

i am guessing you are like me and have more than one mobile contract but only actually use one of them (oh the temptation of that new shiny handset).

You mention you have 4 of them, you use one, your boyfriend uses the other. and you pay 35 and 40 (was it?) for the other two i am guessing arent used. even though you are in a contract you can still amend the package you receive. Call the providers and you should be able to reduce the monthly payment of the ones not used to around £15 to £20 for each.

you could also send your old handsets to one of those phone recycling websites like mazumamobile or simmilar for some easy cash.