my SOA update...any more sugestions???

Cherrypie_2

i have managed to bring most things down in cost...any more ideas please???


Most common Income

Take home pay 1500
Child Benefit 69
Child support received 140
Child tax credit 50(should be 170 but got to pay back overpayments)

Most common outgoings

Rent/Mortgage 530 (tied in til oct 06 with abbey)

loan 140 (this is half the total amount as ex pays half and its subject to separation deed)

Water (supply & waste) 39 (got water meter chaps coming thurs)

Council tax 74 (single person allowence)

Gas 30 (just gone over to equigas as have prepay for g and e)

Electricity 30

Building and contents insurance 13.40 (tesco half price)

Landline 14 (half price NTL for 3 months)

Internet 9.99 (ntl im gonna leave deal)

Mobiles 55 (got to call them wed about new tarriff - they wouldnt change any sooner

Satellite/cable rental 35 (sky tied in til sept)

TV licence 11

Childcare 144 (nursery vouchers)

Life insurance 8

Road tax 60 (every 6 months)

Car insurance 21

Fuel 60

Clothing and footwear 20

Hairdressing 60 (every 4 months)

Professional/union fees 14 (gots havve it!)

Tobacco 100 (i know!)

shopping £100


in house :

me 29
dd 2 and half

any help much appreciated!!!!!

lynsayjane

looks like you have most thigs pretty much wrapped up, tho i'm sure some wiser than me will pop along with more help.

only thing i could suggest is giving up on the remaining luxury you have...you know what i mean

Cherrypie_2

hehehe...thats the troube it is my 1 sole remaining one and only pleasure left that i spend on(xcluding dd of course!)

skylight

But imagine how much better you will feel?

House that smells nice, DD wont smell at Nursery (I am an EX-smoker and cried my eyes out after week 4 - I could smell the smoke on the kids when I collected them from Nans who was still smoking. I had never smelt it before....)
Car will smell fresher, more money to spend, teeth wont be so yellow (after a while), lungs will be at better capcity.

You wont be dead.

Daughter will have a Mummy. She won't grow up on her own.

Blah, Blah......

Cherrypie_2

you lot are the worst!;)

skylight

Worst yes - but your SOA is not that terrible - except one little thing!:rolleyes:

Cherrypie_2

you lot are the worst!;)

MinnieSpender

Cherrypie

I have to echo what the above have said about your little "habit" - but I know it can be hard (ex-smoker myself).

Giving up would be ideal but if that's not possible right now (and you have to want to do it) what about cutting your budget, say to £80 next month? When do you usually smoke? If it's evenings, go to bed half an hour earlier. If it's nipping out during work hours, cut back on one "nip out" a day. Then reduce the amount every month that you can spend of the evil weed and you may find that eventually you'll have stopped.

Good luck x

lil'H

maybe go for student hair cuts? The students are really closely supervised, and often the cut will be just as good for a fraction of the price.

Also go to pigsback.com, there are some good posts about it on this site, I signed up yesterday and have already earnt £15 which I can turn into vouchers for boots and other places.

lil'H

luckylukey

I smoke , so I know what it is like to have that last little luxury and 100 is not that much - roughly 20 boxes a month? Do you know anyone who travels abroad on a regular basis? I got a friend to get me a carton from France for £34 , saving at least £16.