my soa and new problem!!

second_chance

second_chance wrote:

THANKS VERY MUCH FOR YOUR HARD WORK-IM SORRY I DONT QUITE GET WHAT YOU MEAN ARE YOU SAYING THAT WHEN MY DHS INCOME DROPS WE WILL BE -90 POUNDS A WEEK SPENDING AS WE ARE ON FOOD ETC??? SORRY I AM VERY DIZZY:rolleyes:

i will look into putting ins on hold ,dh wont be able to look after dd as she is only 19 months and he wont be able to lift etc but might be able to cut back a bit
have been on phone with tax credits will get no increase
car..mmm not sure will def consider

Little_Miss_Winner

Hi sc.

Sorry to hear about your husband forthcoming ops, you now need to think seriously about a plan of action.

David hellier has worked out all the maths for you;-

According to my calcs you have £119.08 per week to spend on food, clothes, going out, leisure etc. without overspending further; and that is with your current income.

Assuming dh loses income this drops to -£90.02 (nb minus). So you would be insolvent unless serious cutbacks were implemented. I'm not sure of your detailed circumstances, but the items which stand out are:
Car- can this be sold?
Nursery- can dh look after the children?
dh accident and insurance and pension- can these be put on hold?

He felt that the only way to keep yourselves in the black, would be to cut out the car (and all costs related), the Nursery, and insurance and pensions.
By doing this you would have £53 a week for food and anything else.
MUCH BETTER than -£90.00

Is there anyway you can do more overtime to balance the books, or more sellling one way or another. -£90 a week for 6 weeks x 2 ops, isn't going to be much fun.

Is there any other things you can think of you can get rid, or put on hold? It wouldn't be for that long.

Take Care
pot
x

ziggy2004

Hi
£200 pounds on food for a family of 3 is definately something that you can do my ds is 21 months and we can do £200 a months including nappies and wipes.

You will be just above taxcredit limit to get extra help which is a pest.

X Anne

judi24

We are a family of 6. including 2 teenagers 2 little ones (one in pull ups) and 2 adults. We have reduced out shopping bill from around £500 to 300 with a little effort. Tobe quite honest it's not that hard - secret is make a lis and menue plan. Stick to it or use online shopping its easier to see what you're spending. Try some basic (shp's own budget stuff) some of it is ok and I have some fussy children!
Set yourself a challenge to stick to the budget it really helps and use OS board for tips and recipes. To be quite honest I have quite enjoyed (except yesterdays pizza dough and flapjack disater). It makes a huge difference to your budget.

BestFootForward_2

second_chance wrote:

.i can change broadband contract do you know who does the cheapest??im currently wireless have no idea if that affects anything or not!!

Wireless makes no difference.

Check Martins article on the cheapest
http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1092034925,22928,
Check out the Broadband and phone combined bit too.

Check out Martins tips on making cheaper calls to mobiles etc. I use 18185 for cheaper calls. Talktalk and BT charges are outrageous for calls to mobiles (sometimes over 30p per minute).

Also, someone may know better than me, but I think your hubbys d!@khead boss should pay full (or almost full) pay for an initial period.

Good luck and keep us up-to-date.

second_chance

potogold wrote:

Hi sc.

Sorry to hear about your husband forthcoming ops, you now need to think seriously about a plan of action.

David hellier has worked out all the maths for you;-


He felt that the only way to keep yourselves in the black, would be to cut out the car (and all costs related), the Nursery, and insurance and pensions.
By doing this you would have £53 a week for food and anything else.
MUCH BETTER than -£90.00

Is there anyway you can do more overtime to balance the books, or more sellling one way or another. -£90 a week for 6 weeks x 2 ops, isn't going to be much fun.

Is there any other things you can think of you can get rid, or put on hold? It wouldn't be for that long.

Take Care
pot
x

thanks - i dont think we would get what we owe on car if we sold but will enquire...my income is £1500 min depending on weekends worked etc i have done overtime this month so that will help and i have asked work to keep me in mind if any extra shifts available

second_chance

BestFootForward wrote:

Wireless makes no difference.

Check Martins article on the cheapest
http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1092034925,22928,
Check out the Broadband and phone combined bit too.

Check out Martins tips on making cheaper calls to mobiles etc. I use 18185 for cheaper calls. Talktalk and BT charges are outrageous for calls to mobiles (sometimes over 30p per minute).

Also, someone may know better than me, but I think your hubbys d!@khead boss should pay full (or almost full) pay for an initial period.

Good luck and keep us up-to-date.

couldnt help but laugh when i read this!!!!!!!!!!!!!!!!!!!!!!!!!!!im sooo confused with whats been going on the last week dont know whether im coming or going hehe thanks x

second_chance

ive had a glass of wine (last bottle in stock blub) and i feel really lucky to have you lot helping me even though i am bit dozy -all i want is good life for my baby who i must add is god damn gorgeous = big thanks for your help-seems sometimes someone is working against us!-going to bed now gonna give my baby big big kiss i am soo lucky in many ways thanks again xx

buxtonrabbitgreen

second_chance wrote:

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!!

I have just changed to carphone warehouse (Martins advice thanks) £23 a month includes broadband line rental and free calls to all landlines but not premium rate or mobiles. You can also phone quite a lot of countries abroad free too. I think this is an excellent deal , however thier customer service is rubbish and it is quite difficult to actually talk talk to them. Also when you get your mac number i suggest you e mail it to them and phone them as well as they managed to lose my first one, so i paid 2 providers for 3 months, but all sorted now.

second_chance

im looking at my outgoings and trying to find cheaper options as you know im paYING £90 FOR LIFE/CRITICAL ILLNESS cover and ive been looking at other quotes ive had one on the internet from legal and generalfor £16 a month sooo my question is is £90 way to expensive or is the £16 quote an obvious error?????