SOA using soa calculator..any advice welcome

gonzo127

Hi again, in regards to the virgin media 18 month contract i still feel you are paying quite a lot have you thought about trying to drop down a package i am expecting this is for calls TV and broadband? as currently you only pay the £66 a month is if you have the top package for everything TV, broadband and phones and i am sure you could drop the package a little bit to give yourself a little bit of surplus

for example just droping to broadband XL, TV L and phone L would drop it to £44 a month therefore saving £22

for gas, phone british gas and ask them to provide you with your annual usage in KWH then go to somewhere like uswitch and do a comparison, it should only take you 20-30 mins to go through and it could save you some money

and as i said for clothes i have a family of 5 - 2 adults a 17 year old son, a 13 year old daughter and a baby under 2 and i do not spend close to the £600 a year on clothes you are doing probably closer to £300 and that does include shoes and school uniforms etc

JasX

sry, you caught me mid -edit

indebtmummy wrote: »

no washing machine mean i am using a bit more to get clothes dry in time.

I don;t understand this either, you are using £80 extra electricity than most people because you don't have.....? could you not get some of those £5 racks from argos to dry clothes on?

moneysaver599

have you applied for a student loan as well as the benefits you already get?? you may also be able to get child maintenance - contact CSA. also check that you are getting the correct tax credits - it is usually based on last years income.

i work for council tax in scotland and here in scotland all students are completely exempt from water charges - could you check this in your area??

not sure if working would be very beneficial but even working the spare 5 hours at £5.00 per hour would be an extra £100.00 per month - you'd have to check if this would affect you housing and council tax benefit??

hope that helps!

indebtmummy_2

hi , i am looking into v media , i think i am on the just the xl package for all of them but will look into it and will look into the electric also
i have some clothing racks but have no washing machine , so i am washing clothes out by hand , ringing them out and then having to dry them from near wet.. i am using the washing line as well , but the weather isnt helping much lol

indebtmummy_2

hi there , child maintenance is being looked into , they reckon i will get £2,50 per child a week , so will be £20 a month..
water rates we have to pay for here.

miss_missy

hi
just a thought but have you tried to get rehoused nearer to your sons school so that he doesnt need to get bus this may also help with shopping as may be easier to get to a variety of shops, just a thought as you say your in a 2 bed yet i believe you would qualify for a 3 bed as you have 2 children of different sexes and council have to are at least used to have to make sure that once a certain age children of different sexes didnt share a room

indebtmummy_2

hi , i have been trying to get a move since i had the little one in 2002.. all the housing say is there is nothing available , and i can sleep in the living room if i am desperate for the extra room..silly i know!..so i share with my daughter

miss_missy

indebtmummy wrote: »

hi , i have been trying to get a move since i had the little one in 2002.. all the housing say is there is nothing available , and i can sleep in the living room if i am desperate for the extra room..silly i know!..so i share with my daughter

thats awful
sorry that was no help

indebtmummy_2

i know ! .. but its to be expected , i have no luck at all.lol..
hence horrible weather and no washing machine! called servis helpline and they went bankrupt so cant even find the money to get it repaired...

gonzo127

have you checked freecycle as they might have something around your area