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mt SOA little advice needed x

124

Comments

  • firestronaut
    firestronaut Posts: 454 Forumite
    edited 28 December 2009 at 11:28AM
    iamana1ias wrote: »
    I'm guessing "no, you can't have that" works ;)

    you're not very helpful. In fact, I find you quite rude.

    "Living off the taxpayer". I assume you're a taxpayer by this statement.


    What's a single mum of four to do?

    My mum and brother work, but due to me being a single disabled mum, I'm on benefits. Should I stop putting towards the Sky too?
    She's paying back her debts. At a rate that's comfortable. Although it would be fantastic to be out of debt, I'm not rushing it. I'm not leaving myself or DD short to pay off a debt that genuinely isnt my fault.
    Everybody deserves entertainment, is she supposed to sit around watch the fuzzy screen of black and white pixels? Digital switchover, she'd have to buy a box anyway.

    The children shouldn't have to suffer either, they haven't done anything wrong.


    Carry on with your perfect life and leave others alone.



    Cookie - sorry for the rant. The present budget is a bit extreme, I'd cut back on that.
    My DD had a mountain of presents of me this year. Mainly £5 ones from Asda which she prefers to play with versus the £80 toy her uncle gave her.
    Her main present was me popping £35 into her trust fund. I'm hoping my DD will never have to get into debt and learn the value of money versus the value of materials. Maybe you could try this with your children?
    Starting debt: 3399.39 / Debt now: 2975.39
    VSP Challenge 2012: £39.58/£100 Crazy Clothes Challenge 2012: £3.00/£150
    £2 savers club #20: £30
    2012 earnings: £67.50
    Long Haul DFW Supporter #204
  • tiptoes
    tiptoes Posts: 386 Forumite
    Cookiewookie how about making presents for the relatives with the children.
    As others have suggested if its an expensive present the children want such as DSi ask others to contribute towards the present as a jointg gift.
    The Gas and elec may be prepay but you can still look for cheaper suppliers.
    Food with a little bit of planning you should be able to reduce this.
    GC: £400/ £0
  • katsu
    katsu Posts: 5,029 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    edited 28 December 2009 at 12:15PM
    Cookie,

    Well done for making a start. I'm sure you can reduce the £80 per month on presents. I've just purchased several gifts for 2010 Christmas in the current sales. I've got a 1/2 price jigsaw and two 10p gifts from superdrug. I visit charity shops - you can get stuff packed like new sometimes - the 99p store, use the internet to search for bargains and discount codes. For christmas this year I've got gifts for 22 people (My OH has a big family) for around £180 (I've estimated for one gift that is still to be purchased, this could drop by up to £10). My gifts ranged from £0.60 to £28 per person. Shopping all year round really helps.

    On a separate note, I appreciate pre-payment meters are expensive, but your SOA figure seems huge to me. Can you reduce your consumption (curtains everywhere, line them too, block draughts, turning off at sockets, energy saving bulbs etc) and maybe save up to get the meter removed? I don't know exactly what they need you to do but this figure seems huge.

    Hope this is of some help. Good luck.
    Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.
  • SingleSue wrote: »
    Uncalled for and not very nice at all.

    For many, at the time they have their children, they can afford to have them and it is only because of some kind of disaster (job loss, illness/disability, death or split in the relationship) that means the whole house of cards comes down.

    Sweet, don't rise to this one - from comments made on other threads - suspect a troll trying to bait a rise!

    Hugs x
  • Afternoon all ,

    Seems aomeone was nasty on my thread ;-( , Thanks to all the suggestions . I am totally going to slash the budject for presents this year !!!!!! have i been thinking ;-( .. the suggestion to make presents seems fabby maybe make a cake or something or xmas cookies wrapped up fancy same for a birthday ;-)

    thanks for all the support guys xx
    Storecard = £5 per month (interest frozen)
    Halifax cc = £1027 not currently payin:o
    Halifax overdraft = £1700not currently payin:o
    Barclaycard = Pay £15 per month (interest frozen)was 1209 now £994
  • dehaani
    dehaani Posts: 604 Forumite
    You're welcome.
  • Poosmate
    Poosmate Posts: 3,126 Forumite
    Afternoon all ,

    Seems aomeone was nasty on my thread ;-( , Thanks to all the suggestions . I am totally going to slash the budject for presents this year !!!!!! have i been thinking ;-( .. the suggestion to make presents seems fabby maybe make a cake or something or xmas cookies wrapped up fancy same for a birthday ;-)

    thanks for all the support guys xx


    I love to see these light bulb moments!

    Good luck to you.

    Poo
    One of Mike's Mob, Street Found Money £1.66, Non Sealed Pot (5p,2p,1p)£6.82? (£0 banked), Online Opinions 5/50pts, Piggy points 15, Ipsos 3930pts (£25+), Valued Opinions £12.85, MutualPoints 1786, Slicethepie £0.12, Toluna 7870pts, DFD Computer says NO!
  • dehaani wrote: »
    You're welcome.


    :confused:
  • Poosmate
    Poosmate Posts: 3,126 Forumite
    dehaani wrote: »
    You're welcome.


    A Troll me thinks!

    Poo
    One of Mike's Mob, Street Found Money £1.66, Non Sealed Pot (5p,2p,1p)£6.82? (£0 banked), Online Opinions 5/50pts, Piggy points 15, Ipsos 3930pts (£25+), Valued Opinions £12.85, MutualPoints 1786, Slicethepie £0.12, Toluna 7870pts, DFD Computer says NO!
  • dehaani
    dehaani Posts: 604 Forumite
    ...
    thanks for all the support guys xx
    dehaani wrote: »
    You're welcome.
    Am I not allowed to acknowledge a thanks?
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