please help me im really scared

Ames

You have to get permission from your landlord for a water meter. I'm not sure about changing gas elec suppliers, in my old place my tenancy agreement said I wasn't allowed to change suppliers, so you'll have to check that.

I don't understand why he's so against you being in debt when he's in it himself? Sounds a bit like double standards to me. And you shouldn't prioritise his above yours, you should look at it all as a whole. If you want a mortgage together then both of your credit ratings will count. If he only wants a mortgage on his own then that sounds dodgy to me.

Lugh_Chronain

I was being a bit extreme when I said kick him out wasn’t I. Sorry about that but he still needs to take more of an active roll.

I'm in social housing and have switched gas & electricity plenty of times without telling the housing association. They don't need to know. In fact they advise it.

I'm not sure about the water meter though. It might be advisable to check all the same. It would do no harm to call your housing officer first to see.

Ames

Oh are you in social housing/ I've changed my electric loads in my council flat, I've got a letter giving me permission for the water meter, it was no problem.

the_cat

You really need to sort out the situation with your BF. If he doesn't know that you can't make the payments, you aren't giving him the chance to make the responsible decisions like cancelling Sky. He only knows half the story.

Having said that, it in no way excuses his lack of input and responsibility for your joint budget. He is perfectly happy to splash out on fancy tv's, game consoles and laptops. Then he makes you responsible for paying and shouts at you and threatens you with leaving if you can't. He sounds very immature and is treating this part of your relationship as more parent/spoilt child. You deserve better.

I'm sorry if what I have said appears unkind. It is not meant to be. i just feel that until you can tackle this together properly as a couple you will struggle to get to grips with it. Try to talk to him about it calmly and print off your SOA and go through it with him. Ask him to help and let him read the thread if you think it might help

Lugh_Chronain

The key word here is couple. You need to try and work this out together as a couple. Talk to him.

He probably won't see it from your point of view to start with but I can guarantee he will eventually.

mummyofboys

starting to really panic again , been trying to sort through july and august months in order to see incoming and outgoings. I feel like im stuck on how to find money in the short term. this is how i work it out. hope you understand.

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
overdraft 100
bt 40
sky 46
60 petrol for month
-70.63

20th july-26th july
incomings
142 wages
outgoings
dixons 2.99
beun ltd 17.50
tv 64.38
credit card 100
-42.87

27th july-2nd august
incomings
wages 142 wages 400 = 542
outgoings
dixons 6.99
dixons 6.99
tv license 11.95
account charge 25
nursery 416
190 phone bills due(120 from last month unpaid and 70 this month)
-115

3rd august-9th august
incomings
142 wages + 1070 boyfriends wages
outgoings
o2 37
rent 550 due out
my credit card 100
littlewoods 100
loan 61.24
petrol 60
=303.76 left over

10th august 16th august
incomings
142 wages + 303 in bank + tax credits 200= 645.00
outgoings
benifical finance 81.17
laptop 40.69
loan 49.77
gas 50
elec 45
sky and phone 44.50
100 overdraft
=233.87

17th august-23rd august
incomings
233.87 in bank+ 142 wages=375.87
outgoings
beun ltd 17.50
tv 64.38
credit card 100
=193.99

mummyofboys

sorry this doesnt include food, as i just try and make do if im skint or do as little as possible until the green weeks,

mummyofboys

this seems to be the best quote for contents insurance.

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

mummyofboys

Can anyone help with my weekly list for next few weeks? any advice?

the_cat

jay_mi10 wrote: »

starting to really panic again , been trying to sort through july and august months in order to see incoming and outgoings. I feel like im stuck on how to find money in the short term. this is how i work it out. hope you understand.

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
overdraft 100 phone the bank and see if you can arrange to miss this week and pay double next time when you will have the money. Again, you can't give it to them if you don't have it, so be strong!
bt 40
sky 46
60 petrol for month you cant give what you haven't got! £10 will get him to work each day. The other travel will have to go this week. Budget for this weekly from now on
-70.63 (would be £79.37 credit if you did these)

20th july-26th july
incomings
142 wages
outgoings
dixons 2.99 plenty of time to cancel!do it today
beun ltd 17.50 loan or insurance? if latter cancel
tv 64.38
credit card 100 if not over limit, you could get food/petrol ESSENTIALS on card to claw some of this back
-42.87

27th july-2nd august
incomings
wages 142 wages 400 = 542
outgoings
dixons 6.99 cancel
dixons 6.99 cancel
tv license 11.95
account charge 25 cancel
nursery 416 hopefully less due to mum, fingers crossed but let's not count on it!
190 phone bills due(120 from last month unpaid and 70 this month) treat this as very low priority, dont make these this month
-115 now credit £228.98

3rd august-9th august
incomings
142 wages + 1070 boyfriends wages
outgoings
o2 37
rent 550 due out
my credit card 100
littlewoods 100 if at all possible pay the £200 they ask for. getting rid of this over a short time will help you loads
loan 61.24
petrol 60 budget at £15 per week from now on
=303.76 left over try to put aside as much as possible for the tight weeks

10th august 16th august
incomings
142 wages + 303 in bank + tax credits 200= 645.00
outgoings
benifical finance 81.17
laptop 40.69
loan 49.77
gas 50
elec 45
sky and phone 44.50 don't let OH bully you. you know you cant afford Sky
100 overdraft now £200
=233.87 now £133.87

17th august-23rd august
incomings
233.87 in bank+ 142 wages=375.87
outgoings
beun ltd 17.50
tv 64.38
credit card 100
=193.99 Hooray we seem to be over the worst!!!!

Morning Jay!
Ok things are going to be tight for a couple of weeks! I have added some suggestions for coping until you get to the green weeks. Food wise, make a list of EVERYTHING you have already and post it with a plea for help on stretching it on the Old-style board. Trust me, that lot have the proverbial loaves and fishes thing down to a fine art!!