Now we are even Poorer SOA

sallyx

Ok have finally bitten the bullet and done a revised SOA, well have started it and I know it needs tweaking so here we go :eek::o

Monthly Incomings:

My salary - £450.00
Partners salary (JSA) £278.63
Child Benefit - £80.00
CTC - £89.27
Housing Benefit - £624.22


Total - £1,522.12

Monthly Outgoings A: Essentials

Mortgage/Rent - £600
Gas - £30
Electric - £38.00
TV License - £11.95
Water Rates - £34.50
BT Phone/Broadband - £45.00
Home Insurance - £10.93
Car Insurance - £24.00
Payment to CCCS - £188.00

Monthly Outgoings B: - Non essential
Food - £200.00
Petrol - £75.00
Car Tax - £15.00
Car Service - £30.00
Opticians - £15.00
Dentist - £10.00
Hairdressers - £15.00
Clothes/Shoes - £30.00
Christmas/Bday - £20.00


Total A: £982.38
Total B: £460.00


Total Outgoings £1442.38

So not much room for anything going wrong or any activities for DD

Haven't had the CTC confirmed but had payment since updating details so hoping its right :rotfl:
Also haven't included council tax as we get council tax benefit for majority but because I have already made payments Ive had a rebate for remaining of year.
I would like to move phone/broadband but OH says we are locked in :mad:, need to phone up and check

Anyone have any wise words?

hypno06

You could cut your grocery bill down......

Dust casserole, and fresh air pie

Sorry - not much help, it all seems pretty much as it should be. Rather than try and cut back more, could you concentrate on getting more in - mystery shop/matched bet/dooyoo etc?

beanielou

If the push comes to the shove can you cut down payments to CCCS?
Good on you on doing SOA hun x

sallyx

I have thought about trying to increase income Hypno and in fact I am trying to get vouchers etc for christmas but if I start to earn more then the HB/CTB will go down so its counter productive. I can see how people get stuck in the benefits hole.

sallyx

beanielou wrote: »

If the push comes to the shove can you cut down payments to CCCS?
Good on you on doing SOA hun x

I have my review with the CCCS..actually I still need to phone up for appt but I suspect they will reduce the payments. I would rather go without TBH than put payments down, so just want to get rid of these debts.

System

Hi sall, did you say £80 for CTCs? if so that seems a little on the low side. And ref your DD and no activities, she couldnt wish for another mam who can do so much to entertain her with the good things in life that don't cost anything

hypno06

sallyx wrote: »

I have thought about trying to increase income Hypno and in fact I am trying to get vouchers etc for christmas but if I start to earn more then the HB/CTB will go down so its counter productive. I can see how people get stuck in the benefits hole.

Fresh air pie it is then........look out for them on BOGOF.

Are you doing daily scratchcards etc? You and OH can each have an account.....only a few pence each day, but that could easily add up to £150 a year, which doesn't count against benefits or for tax?

and matched betting is "winnings" so not counted for benefits either.....

mazza1985

Is your partner on income based JSA or contribution based JSA? and is your housing benefit LHA? It must be cause its more than your rent. Im just curious as I didnt know you could earn that much and the partner claim JSA!

Is your rent negotiable due to the current climate?

And find out how solid that contract for broadband/phone really is. See you can negotiate a better deal. If not it may be cheaper to break this contract and be billed for the exit fee rather than carry on.Could you get CCCS to add the debt in to debt repayments perhaps?

sallyx wrote: »

Ok have finally bitten the bullet and done a revised SOA, well have started it and I know it needs tweaking so here we go :eek::o

Monthly Incomings:

My salary - £450.00
Partners salary (JSA) £278.63
Child Benefit - £80.00
CTC - £89.27
Housing Benefit - £624.22


Total - £1,522.12

Monthly Outgoings A: Essentials

Mortgage/Rent - £600
Gas - £30
Electric - £38.00
TV License - £11.95
Water Rates - £34.50
BT Phone/Broadband - £45.00
Home Insurance - £10.93
Car Insurance - £24.00
Payment to CCCS - £188.00

Monthly Outgoings B: - Non essential
Food - £200.00
Petrol - £75.00
Car Tax - £15.00
Car Service - £30.00
Opticians - £15.00
Dentist - £10.00
Hairdressers - £15.00
Clothes/Shoes - £30.00
Christmas/Bday - £20.00


Total A: £982.38
Total B: £460.00


Total Outgoings £1442.38

So not much room for anything going wrong or any activities for DD

Haven't had the CTC confirmed but had payment since updating details so hoping its right :rotfl:
Also haven't included council tax as we get council tax benefit for majority but because I have already made payments Ive had a rebate for remaining of year.
I would like to move phone/broadband but OH says we are locked in :mad:, need to phone up and check

Anyone have any wise words?

sallyx

mazza1985 wrote: »

Is your partner on income based JSA or contribution based JSA? and is your housing benefit LHA? It must be cause its more than your rent. Im just curious as I didnt know you could earn that much and the partner claim JSA!

Is your rent negotiable due to the current climate?

And find out how solid that contract for broadband/phone really is. See you can negotiate a better deal. If not it may be cheaper to break this contract and be billed for the exit fee rather than carry on.Could you get CCCS to add the debt in to debt repayments perhaps?

He is on Contributions based JSA I think and yes housing Benefit is LHA. I wouldn't call earning £450 a month "that much". We also have 1 child so am guessing that is why JSA is more? £63.40 a week I think it is

Rent isn't negotiable and TBH its under the current rate for the area by about £100 per month so wouldn't be worth trying.

I will def try phoning BT and getting them to either lower the cost or try getting out of contract, thanks for your comments its good to get other peoples inputs

sallyx

hypno06 wrote: »

Fresh air pie it is then........look out for them on BOGOF.

Are you doing daily scratchcards etc? You and OH can each have an account.....only a few pence each day, but that could easily add up to £150 a year, which doesn't count against benefits or for tax?

and matched betting is "winnings" so not counted for benefits either.....

:rotfl:
Right need to get my head around daily scratch cards then and as for matched betting....just can't get my head around it :eek:

Off to get a fresh air pie out for supper tomorrow

PNPSUKNET

BT Phone/Broadband - £45.00

CTC - £89.27 thought both had to be working to qualify for this
Car Service - £30.00 - this can be bought for £100 a year inc mot from kwikfit
Opticians - £15.00 --- if on tax credits / benefits you shouldnt be paying for this
Dentist - £10.00 --- if on tax credits / benefits you shouldnt be paying for this

Clothes/Shoes - £30.00 -- cant you make do for a few months apart from the kids