How can we cut back!?

flubdub

If that is the case Re the petrol, you'd be better off if he stopped working!!

r1chscott

Hi,

www . saynoto0870 . com is great for getting free numbers to most of the major suppliers, so you can save on the call costs there.

Hope that helps, Rich.

zerno

i dont know if you;ve looked into it, but a good way to earn soem extra money is a paper round. I know its sounds childish, but i kept up mine all through college and uni.

I was delivering a free paper (500 off them) a week and being paid £35 each week. Tot that up over a month and your looking at lots of exercise (took about 2 hours to do) and £140 extra. Add on the fact that leaflets added an extra £5 or so on and if others are sick you may be offered to cover the round.

In my most effective month i earnt nearly £300 covering another round.

Alternatively you could advertise in local shops as an ironing service. place your add saying you'll charge a certain amount per items and leave contact details. my friends mum did this and could earn £50 a week just from ironing other peoples clothes.

escortg3

I Have just been on turn2us/entitledto and i put your partner as having a gross wage of 18000 per year and it says that you are entitled to £1.73 working tax credit and £65.17 Child tax credit. So that is £66.90 plus £20.40 Child Benefit so a grand total of £87.30 per week or
£4546.75 per year wow thats alot more than you said. so problem sorted. rich rich:j:j

flubdub

escortg3 wrote: »

I Have just been on turn2us/entitledto and i put your partner as having a gross wage of 18000 per year and it says that you are entitled to £1.73 working tax credit and £65.17 Child tax credit. So that is £66.90 plus £20.40 Child Benefit so a grand total of £87.30 per week or
£4546.75 per year wow thats alot more than you said. so problem sorted. rich rich:j:j

The HMRC calculator is probably better to trust;
http://taxcredits.hmrc.gov.uk/Qualify/DIQHousehold.aspx
But I have never foud them to be VERY accurate. Even now when I put our details in, it doesnt come up with the right number we get now, never too far off though.

escortg3

flubdub wrote: »

The HMRC calculator is probably better to trust;
http://taxcredits.hmrc.gov.uk/Qualify/DIQHousehold.aspx
But I have never foud them to be VERY accurate. Even now when I put our details in, it doesnt come up with the right number we get now, never too far off though.

Just had a go on that one and the figure comes up pretty much the same, so hopefully haveing an extra £380.00 per month when baby comes along should make things easier for them all:T

stephbond89

Oh well thank you, as this is actually a different result as last time I looked, the child benefit seems to have increased by around 10p per week, and we get a little less than that in child tax as its 19k he earns a year approx, also last time i looked we got nothing in working tax credits. But I cannot get that until September anyway when baby is born.

A paper round is actually something I looked into, or leaflet distributing and stuff, at the time there was nobody taking on, but I will continue to look into it!


Awww well thats lovely of you, Ill send u my address shall i...what a complete prat. geta grip of your life, get off the computer been an idiot and go i dunno jump in a pool of tar or something.

My husband for gods sake for the millionth time needs a bloody car for work. Whether it costs £500 a month of £10 a month, he needs the car. Mayeb work doesnt take up the whole petrol allowance, but we dont go out much if we do its only to the shops which are about 3 miles away and parking is free before you moan about that too.

I ahve phoned my phone comapny today, and said exactly what you said, guess what they said??? "nothing we can do apart from cancel the contract and you'll need to pay a cancellation fee", I have lowered it as much as it can be lowered. It is now somehting like £25 per phone, plus the £5 extra per phone for non direct debit charge (which I have now fixed but I still have a month left to have to pay it for this months bill), thats £60, so I have saved myself £10-£15 on that, which is great of course, but not about to make a huge difference. The mobile internet was a gift to my husband for christmas, and yes he does use it in work, have you ever worked 15 hour nights in an office building by yourself? And if his bosses dont have a problem with it, then why do you?!

Again it is somehting that once the contract is out, we will no longer have, that is £30 a month for now, but we will be lowering that after been in the contract for 12 months (its a 24 months contract), and it will then be £20-£25 depending on prices in a year. But at the moment that is how it is, they wont lower it, I have asked.

His bosses as you said, work very different hours to him, their shifts begin at 9.30am (his ends at 8am and he isnt prepared to wait unpaid for an extra hour and a half to be picked up) and their shifts end at 5pm, so he could get TO work but not HOME. So yes essential!!!!!

The car I have said numerous times is essential, you bloody get rid of your car, then try and get 10 miles to anf from work without any buses or other public transport apart from a taxi...I am pretty sure you wouldnt be able to do it.

Ifit could be gone, it'd be gone. I dont want the car- he doesnt want the car. We have tried living a few weeks without the car before when we were between the car we had on finacne and the car we have now, and it was impossible, my husbands bosses ended up asking him to take it as holidays because there was no way they could continue to take him and pick him up!!!! So, come on smart ar*e what then? Leave his job and sit on his backside all day doling off everybody elses taxes???? I am quite sure thats what most people would bloody do.

stephbond89

I have used the HRMC website to calculate tax, I dnt trust it 100%, but as you say it isnt too far off, so I am just sort of saying £40-£50 in tax credits as this should be the lowest it'll be. Thank you, nice to know SOME people on here do actually like t help...while others just seem to be having bad days and not liking people who ask for help but then say they cannot get rid of some things which are either contracted or essential!!!!!

welshmoneylover

Steph, I've read through your posts and wish to comment.

If you wish to up your income you can do one of two ways or both. The first being to cut back on your expenditure, the second is to get a job, but as your having a baby, it might be difficult.

You need to cut back on unnecessary spending at the moment. A TV package and the internet are totally unecessary and you do not need them. Maybe in a few years time when the little one is older you can return to work and maybe afford it then.

Good luck with your pregnancy.

juliethemuse

i agree try and get a paper round , better weather is coming so it wont be too grim, i must admit when i see the pile of papers i have to deliver my heart sinks , but its a bit of extra cash, if you are told there is no paper rounds ask them to put your name down and then ring every month or so to ask again,