please help me im really scared

Ames

I've got a C3 and I use about that a month, and I think I do less miles.

Something you mentioned earlier, debt collectors can't take your goods. They can only do that if you get a CCJ and fail to keep up to the amount set by the court, and then they have to go back to court. If all that happens, there are still things you can do to stop them taking your things. So please don't worry about that.

RAS

Ames is right and that process takes months and months, by which time you will have cleared the debt anyway.

consultant31

jay_mi10 wrote: »

thanks for all your help so far, sorry if i come across stupid.

You don't come across as stupid at all - you come across as a very caring individual who's a lovely sister and Mum. I'm not sure I like the sound of your OH, I'm afraid. IMO he sounds like a bit of a bully. You're working hard and for him to come along and insist he has his Sky etc is not on.....unless he's prepared to pay for it himself.

I would definitely ring the water board and ask for a meter to be installed. If it doesn't work out cheaper in the first 12 months you can ask for it to be removed at no cost. I talked my Mum into getting one and her bills reduced from £48 a month to £12!!! You do need to watch the usage, but then I think water is a precious resource and we shouldn't be wasting it anyway.

Good luck for the future

Lugh_Chronain

jay_mi10 wrote: »

I have just spoken to southern electric they have reduced my elec dd by 10 per month and gas by 5, i was also in credit 110 which there putting into my bank.

Southern Electric reducing your bills is a good start but that might just be the direct debit they've reduced. Nevertheless that is a good start as I’ve said though I would advise switching eventually. You should check if it is just the direct debit they reduced and not the tarrif. Though this is not a high priority as you have sorted it out for now although I would make a note of it.

As regards to your water bill: Deciding to choose a water meter could save you quite a lot of money. Water Bills: Can you cut the cost?

jay_mi10 wrote: »

The credit cards are definatley not being used at the moment, im going to cut them up- i jut want rid

Don't just cut them up cancel them at some point. Definitely not a high priority though.

jay_mi10 wrote: »

I know i sound thick here, but im 22! not so sure on some things lol what does contents include? does it cover for accidents aswell? if i got rid of my playstation, laptop and tv dixons insurance, would they be covered. I feel i need some sort of cover as i have claimed on my tv cover, laptop and boyfriend has on his playstation too, so feel we need some

Check the terms of your contents insurer or phone at some point and ask what’s covered. Don’t be pushed if they try to sell you any extra cover, just say NO I DON’T NEED IT! Though if you feel you need extra cover…..? Do make sure to shop around if your term is coming to an end as well.

If your insurer does offer any extras don’t purchase straight away, post what they offer here as people can advise if it’s worth it.

jay_mi10 wrote: »

The 25 charge for the bank account covers holidays, which we have already booked and paid for this september (all inclusive so not bringing spends, was paid for early last year) phones all four are insured, aa roadcover have used twice this month. Home emergency repair, when we had a leak this year and our electrics went they sent a plumber and electrician to sort out. no charges. fraud prevention (not used). and also the intrest free 500 overdraft. so what is all of your opinion on this ?

You could shop around for cheaper travel insurance. Also, if you’re heading to the continent I'd advise getting a European Health Insurance Card as well as insurance.

jay_mi10 wrote: »

Thanks,

Im going to look into this tonight ...feeling a little deflated my bf has just come home early and seen what i was doing , went mad about the sky package ect and saying he is not losing sport ect, and then moaning about the bank charge saying we would spend more then 25 per month. he does agree on the dixons insurance and sorting that out cheaper.
I managed to threaten to leave sky and get my full package reduced to 34.50 and the phone with them for ten pound a month free evening and weekend calls, still better then before but not great

If he's so concerned about Sky then tell him to pay it himself. I'd threaten to cancel it if he doesn't. Why do you have to pay for this? Doesn't he earn enough to pay for it or at least some of it?

jay_mi10 wrote: »

also any advice. I dont drive, my partner seems to make me budget 60 per month for his petrol, his car is citroen c1 with an 1.0 engine. he drives daily 8.9 miles to work and back again monday to friday , and about three times a month to his mums which is 6.9 miles, he then just uses it for local shops ect. Is 60 a month right? seems really high, all the other money for driving to jobs ect is 11p per mile

Am I missing something here or is your BF not paying his own way or even some part of the bills. You need to get him to compromise somehow. Also, why use the car when he can walk when it's not necessary to use it i.e. for local shopping? He could take your son out with him too, the exorcise would do him good.

You've done your part why isn't he? Tell him getting stressed over finances isn't an excuse for doing nothing.

Excellent news about the child care by the way. Good luck with this!

And here is the guide to bringing in extra cash.

Ames

Have you shown him this thread? Maybe then he'd understand where you're coming from a bit more. I agree though that he doesn't seem to be paying his way, why are you paying his petrol?

Consultant, thanks for that, I didn't know you could have it taken out again after a year, I'll get onto my water company in the morning about getting one!

Ames

Oh, and if you're stupid then I was the village idiot when I was 22! We only know all this stuff from experience.

mummyofboys

hi everyone
thanks so much for support, am just in the middle of making my tea so just a short one. sorry i havent explained things properly me and my boyfriend jointly pay for everything, his wage goes into our joint account as does the tax credits child benefit and one of my jobs wages, the other jobs wages goes into a single account i have as i also have direct debits ect coming off that.

When i say he makes me budget it is out of the "family pot" of money.

Lugh_Chronain

Still, threaten to kick him out if he doesn't pull his proverbial socks up!! He still needs to take more of an active roll by the sound of things.

pandora205

Not sure if anyone has posted this as I haven't read it all, but you will be entitled to 15 hours early years education (usable in most nurseries) from the term after your son's 3rd birthday, which should help a little.

mummyofboys

Ames wrote: »

Have you shown him this thread? Maybe then he'd understand where you're coming from a bit more. I agree though that he doesn't seem to be paying his way, why are you paying his petrol?

Consultant, thanks for that, I didn't know you could have it taken out again after a year, I'll get onto my water company in the morning about getting one!

Am i allowed to get this even though I rent? do i have to ask for permission? also the same with gas/elec do i have to ask

I havent shown him this thread, he knows about all the loans, credit card, littlewoods, overdraft ect he has alot of things of finance and some loans
only thing he doesnt know is that im struggling to make some payments...i completly control the money(he is worse then me) he just tels me when he needs something ect. I tend to put him debts or payments as priority over mine ..he has major issues with getting bad credit scores ect incase we want to buy a house in future ect
he would also go mad like i said he said we wouldnt of got back together if he would of known that i had got a loan and overdraft why we were split