Any tips to help me improve my budget?

cazzzie987

Ames wrote: »

You have to put in the monthly amounts for yearly expenses like car tax, tv license etc. Otherwise when they come around again you'll struggle.

Why are you paying for everything and your partner nothing?

You need some insurances as millimonster said.

Also why nothing for car maintenance?

I only have to pay the car tax I usually use cashback to pay for that but dont have enough to save.
My partner pays me rent as its my house.

cazzzie987

kerry13238 wrote: »

yes they can be i save mine up and use the cashback to pay for christmas nice to have a bit extra then. if you have a child you should get something from tax credits or is that the extra?

Not entitled to any benefits I have checked and have no kids.

milliemonster

cazzzie987 wrote: »

Thanks for your reply, No I have no kids.

I know I added the total up wrong will amend now thanks.

My partner pays me £250 a month rent as its my house, he helps with food but otherwise dont get anything else.

TV license is paid for my by nan as a xmas present and my car insurance is paid by my mum as a birthday present. I used the cashback I got for my car tax. I just dont have enough left to save!

In that case then, the biggest area you can improve your budget is by getting your partner to contribute an EQUAL share of the bills, £250 a month!!! blimey!!! on his wage, he is laughing!!!! stand up for yourself a bit more ensure he pays fairly

cazzzie987

milliemonster wrote: »

Ah, I see your partner and extra income contribtion is £375 a month, how much out of this does your partner give you? as half of your combined bills comes to:

Mortgage £95.50
Council Tax £61.50
Gas and Elec £25
Water £11.50
Telephone £7.50
Entertainment £25
Groceries £60
B&C Ins £11.50
Childcare £36
Petrol £20
TOTAL £353.50

Is this your partners contribution?

No my partner gives me £250.00 and he pays for the phone and internet as its through Orange. I work extra hours for another company making enough to pay my car every month.

milliemonster

cazzzie987 wrote: »

I only have to pay the car tax I usually use cashback to pay for that but dont have enough to save.
My partner pays me rent as its my house.

That may be the case but could he rent anywhere else with all bills included and food and petrol to work for £250 a month???

cazzzie987

cazzzie987 wrote: »

No my partner gives me £250.00 and he pays for the phone and internet as its through Orange. I work extra hours for another company making enough to pay my car every month.

I know we are buying a house together soon and everything will be split, He said he will pay more of the mortgage as well(when we move)

I also forgot to mention I have a £200 pm loan but this runs out in march 2010 thank god.

Katie-Kat-Kins

Your partner isn't giving you enough to make it worth your while him being there. If he didn't live with you you'd be entitled to benefits. He lives with you, as your partner but doesn't even give you half the bills, never mind any money towards the food etc.

Is the child his? If so he should be paying towards the child too, if not you should be getting something from the father.

milliemonster

cazzzie987 wrote: »

I know we are buying a house together soon and everything will be split, He said he will pay more of the mortgage as well(when we move)

I also forgot to mention I have a £200 pm loan but this runs out in march 2010 thank god.

So when you purchase your house together is he putting in the same amount of deposit as you if you are going to then start splitting the mortgage equally?

It seems to me he isn't willing to pay any more at the moment due to it not being his house but expecting you to foot the bill for most of the monthly outgoings, this is completely unfair and something you need to address before you purchase a house together.

I am astonished that he is living with you as your partner and is seeing you struggling for money while he has over £1000 surplus income to himself each month

cazzzie987

milliemonster wrote: »

So when you purchase your house together is he putting in the same amount of deposit as you if you are going to then start splitting the mortgage equally?

It seems to me he isn't willing to pay any more at the moment due to it not being his house but expecting you to foot the bill for most of the monthly outgoings, this is completely unfair and something you need to address before you purchase a house together.

I am astonished that he is living with you as your partner and is seeing you struggling for money while he has over £1000 surplus income to himself each month

Well my house has around 40k equity so that will be the deposit, but I would draw up with the solicators that if we split I get the 4ok back plus 50% of the other profit.

Ames

Even a lodger would be paying more than £250 a month, and having to pay food etc on top!