my soa and new problem!!

second_chance

hi all me AGAIN if you have read my other thread you will know about my dh recent work problems...today my dh went for an outpatients appt and was told he needs an op on his arm in two weeks which means he will be off for 6 weeks at least then 2 monthsish after he is better he will need an op on his other arm gosh!!! so all previous plans out the window boss has agreed to keep him on until ops are done (as he will be on ssp so no need for boss to pay him!!)so heres my soa please can you advise...

monthly incomings-
my wages= £1500 min
dh wages= £1160 going down to £250 (i think need to check) when on ssp
tax credits= £41
child benefit £70

grand total=£2771 going down to £1861 gulp

mortgage £1150
building and contents £35
life/critical illness £90
council tax £96
water £40
electric/gas £50
bt £25 (to cover line rental and bill)
sky £10
broadband £25
mobiles £25 (contract)
car £215 (0% finance til 2009)
dh accident ins £25
dh pension £45
tv license £12
xmas vouchers £30 (finish next month)
nursery £250
rcn £15
car ins £30
dentist £12
car service £15
diesel £60
unexpected bills/birthdays etc £40
groceries £400

total -£2695
thankyou for your help i know im getting on your nerves with my mess! much appreciated
forgot to mention i also do avon and get roughly £15-£20 every 3 weeks which i have been using to pick up birthday/xmas gifts

Penny-Pincher!!

Remember that when your circumstances change, get in contact with Tax Credits as these should be increased while your OH is on SSP...I think

PP
xx

gerturdeanna

When you advise Child Tax Credit your income has gone down, your TC should go up. If you have mortgage protection or similar, that may help you aswell.
£400 seems a quite high for a family of 3? or is it 4?
We are a family of 4 and our food bills are £300 and we eat like pigs!!!

black-saturn

Ok, well here's my four penneth for what it's worth:

mortgage £1150
building and contents £35
life/critical illness £90 Do you really need this? You could cancel it, cash it in and pay it off your debts.
council tax £96
water £40 Are you on a water meter? This will save you money
electric/gas £50 You can reduce this by switching things off when not being used, putting a jumper on when chilly instead of the heating, measuring out water to be boiled and planning what you want to watch on TV and only watching those programmes
bt £25 (to cover line rental and bill)
sky £10
broadband £25
mobiles £25 (contract)
car £215 (0% finance til 2009) Do you really need this?
dh accident ins £25
dh pension £45
tv license £12
xmas vouchers £30 (finish next month)
nursery £250
rcn £15
car ins £30
dentist £12
car service £15
diesel £60
unexpected bills/birthdays etc £40
groceries £400 This is REALLY high. Reduce this by looking on the Old Style boards

nidje

Hi
Are you tied into a contract with sky?
If not you could cancel this and go freeview or do what I did and ask Sky to cancel your contract, you still get the very basic package if you've been with them for 12 months or more, Sky News, ITV2 that type of thing.
Also could you change your broadband if you're not under contract?
HTH
N x

second_chance

black-saturn wrote:

Ok, well here's my four penneth for what it's worth:

mortgage £1150
building and contents £35
life/critical illness £90 Do you really need this? You could cancel it, cash it in and pay it off your debts. not sure about that knowing my luck one of us would die on the day i cancel!!
council tax £96
water £40 Are you on a water meter? This will save you money will look into this thanks
electric/gas £50 You can reduce this by switching things off when not being used, putting a jumper on when chilly instead of the heating, measuring out water to be boiled and planning what you want to watch on TV and only watching those programmes agree
bt £25 (to cover line rental and bill)
sky £10
broadband £25
mobiles £25 (contract)
car £215 (0% finance til 2009) Do you really need this?
dh accident ins £25
dh pension £45
tv license £12
xmas vouchers £30 (finish next month)
nursery £250
rcn £15
car ins £30
dentist £12
car service £15
diesel £60
unexpected bills/birthdays etc £40
groceries £400 This is REALLY high. Reduce this by looking on the Old Style boards

for a family of three -def needs to be reduced but have trouble trying to think of a realistic amount!!

lynzpower

will your critical illness policy not pay out for tihs? Or his accident cover? You ar einsured up to your eyeballs there???

I agree your food is astronomical and of course Sky can go, and I guess your Xmas vouchers can be suspended.

lynzpower

for a family of three -def needs to be reduced but have trouble trying to think of a realistic amount!!

Try 200. Me & OH spend 100pcm between us, so for 3 £200 should be comfortable.

second_chance

nidje wrote:

Hi
Are you tied into a contract with sky?
If not you could cancel this and go freeview or do what I did and ask Sky to cancel your contract, you still get the very basic package if you've been with them for 12 months or more, Sky News, ITV2 that type of thing.
Also could you change your broadband if you're not under contract?
HTH
N x

not sure about sky contract think i can cancel anytime but i have no tv ariel so would need to sort that...i can change broadband contract do you know who does the cheapest??im currently wireless have no idea if that affects anything or not!!

second_chance

lynzpower wrote:

will your critical illness policy not pay out for tihs? Or his accident cover? You ar einsured up to your eyeballs there???

I agree your food is astronomical and of course Sky can go, and I guess your Xmas vouchers can be suspended.

i know it seems we only get hit by things we are not insured for!! op is not due to an accident or critical illness he has nerve problems ..i have 1 payment left on vouchers then they are gone

second_chance

lynzpower wrote:

Try 200. Me & OH spend 100pcm between us, so for 3 £200 should be comfortable.

thanks for that i have been struggling with that one so think i will try £120 for a months shop and then £20 per week for milk bread any extras