We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
My Monthly Nightmare!!
colly2218
Posts: 68 Forumite
This is it. I have faced up to the truth...even though we are on a cccs plan we are still overspending!!!:o
Robbing Peter to pay Paul and forever playing catch up.
CCCS payment are higher than what we were paying before, but can't be changed.
Any helpful ideas gratefully appreciated! Please be gentle!
Statement of Affairs and Personal Balance Sheet[/b]
Monthly Income Details
Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 2,582.67
Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00
State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Private Pension / Annuity Payout. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Benefits (Inc. Child Benefit/Tax Credits & Income Support). . . . . . . . . . . 178.00
Income From Savings & Investments . . . . . . . . . . . . . . . . . . . . . . . 0.00
Gifts From Family / Friends . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Monthly Expense Details
In Your Home
Mobile Phone(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
TV Licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.00
Internet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80.00
Home Phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Cleaning Products/Cleaner . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.00
Garden Maintenance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Household Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Oil . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Electricity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 86.67
Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65.00
Water . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 173.33
Council Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 115.00
Overdraft Cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25.00
Bank Account Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.00
Home Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.00
Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 725.00
Plumbing/Boiler Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Payment Protection . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Food and Household Shopping . . . . . . . . . . . . . . . . . . . . . . . . . . 346.67
Drinks for Home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 86.67
Motoring & Public Transport
Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Parking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Rail/Bus/Taxi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 156.00
Breakdown Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Debt Repayments
Credit Card Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Hire Purchase Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Personal Loan Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Loan Repayments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
cccs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 580.00
Savings & Investments
Pension Payments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40.00
Buying Shares . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Investments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mini Cash ISAs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Lump Sum Saving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Regular Saving. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Family
Pet Food. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
School Meals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
Pocket Money. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17.33
Nappies/Baby Extras . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Laundry/Dry Cleaning. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6.00
Children's Travel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Baby Sitting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Childcare/Play Groups . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24.00
Pet Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Travel Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Entertainment
Satellite/Digital TV. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Family Days Out . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6.00
Cinema/Theatre Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Books/Music/Films/Computers . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Big Days Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
Shopping for Fun. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pet Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Hobbies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
IT/Computing (eg Anti-virus etc). . . . . . . . . . . . . . . . . . . . . . . . 0.00
DVD Rental. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Drinking Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40.00
Eating Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40.00
Clothes, Health & Beauty
Complimentary Therapies . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Optical Bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Beauty Treatments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Healthcare Cashplans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Dental Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Private Medical Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Work Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Children's Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25.00
New Clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
Education & Courses
University Tuition Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Your Courses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Big One Offs
Funeral Expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Wedding Expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Sofa/Kitchen/TV . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
Winter Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Summer Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25.00
Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15.00
Odds & Sods
Newspapers & Magazines. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21.67
Tax & NI Provisions (self-employed only). . . . . . . . . . . . . . . . . . . . 0.00
Regular Charity Donations . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Meals at work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43.33
Smokes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 108.33
Coffees/Sandwiches/Snacks . . . . . . . . . . . . . . . . . . . . . . . . . . . 43.33
Total monthly income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,760.67
Total monthly expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3,098.33
[/font]
Robbing Peter to pay Paul and forever playing catch up.
CCCS payment are higher than what we were paying before, but can't be changed.
Any helpful ideas gratefully appreciated! Please be gentle!
Statement of Affairs and Personal Balance Sheet[/b]
Monthly Income Details
Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 2,582.67
Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00
State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Private Pension / Annuity Payout. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Benefits (Inc. Child Benefit/Tax Credits & Income Support). . . . . . . . . . . 178.00
Income From Savings & Investments . . . . . . . . . . . . . . . . . . . . . . . 0.00
Gifts From Family / Friends . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Monthly Expense Details
In Your Home
Mobile Phone(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
TV Licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.00
Internet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80.00
Home Phone. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Cleaning Products/Cleaner . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.00
Garden Maintenance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Household Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Oil . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Electricity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 86.67
Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 65.00
Water . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 173.33
Council Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 115.00
Overdraft Cost. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25.00
Bank Account Fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.00
Home Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.00
Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 725.00
Plumbing/Boiler Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mortgage Payment Protection . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Food and Household Shopping . . . . . . . . . . . . . . . . . . . . . . . . . . 346.67
Drinks for Home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 86.67
Motoring & Public Transport
Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Parking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Maintenance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Rail/Bus/Taxi . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 156.00
Breakdown Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Debt Repayments
Credit Card Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Hire Purchase Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Personal Loan Repayments. . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car Loan Repayments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
cccs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 580.00
Savings & Investments
Pension Payments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40.00
Buying Shares . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Investments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Mini Cash ISAs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Lump Sum Saving . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Regular Saving. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Family
Pet Food. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
School Meals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
Pocket Money. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17.33
Nappies/Baby Extras . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Laundry/Dry Cleaning. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6.00
Children's Travel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Baby Sitting. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Childcare/Play Groups . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24.00
Pet Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Travel Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Entertainment
Satellite/Digital TV. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Family Days Out . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6.00
Cinema/Theatre Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Books/Music/Films/Computers . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Big Days Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
Shopping for Fun. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pet Costs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Hobbies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
IT/Computing (eg Anti-virus etc). . . . . . . . . . . . . . . . . . . . . . . . 0.00
DVD Rental. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Drinking Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40.00
Eating Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40.00
Clothes, Health & Beauty
Complimentary Therapies . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Optical Bills . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Beauty Treatments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Healthcare Cashplans. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Dental Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Private Medical Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Work Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
New Children's Clothes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25.00
New Clothes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
Education & Courses
University Tuition Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
School Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Your Courses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Big One Offs
Funeral Expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Wedding Expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Sofa/Kitchen/TV . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
Winter Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Summer Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25.00
Christmas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15.00
Odds & Sods
Newspapers & Magazines. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21.67
Tax & NI Provisions (self-employed only). . . . . . . . . . . . . . . . . . . . 0.00
Regular Charity Donations . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Meals at work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43.33
Smokes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 108.33
Coffees/Sandwiches/Snacks . . . . . . . . . . . . . . . . . . . . . . . . . . . 43.33
Total monthly income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,760.67
Total monthly expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3,098.33
[/font]
0
Comments
-
£80 internet and £170 plus water??? Is that correct0
-
In Your Home
Mobile Phone(s) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30.00
TV Licence. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12.00
Internet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80.00 - That is VERY high, is it correct?
Water . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 173.33 - per month? :eek:
Food and Household Shopping . . . . . . . . . . . . . . . . . . . . . . . . . . 346.67 - for how many people?
Drinks for Home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 86.67 - What is this, should be included in Food and Shoping
Entertainment
Family Days Out . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6.00
Cinema/Theatre Trips. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00
Big Days Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20.00
Drinking Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40.00
Eating Out. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40.00
£116 for entertainment? Seems high and could probably be cut
Big One Offs
Summer Holiday. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25.00 - You can't really afford this
Odds & Sods
Meals at work . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43.33 - Take a packed lunch!
Smokes. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 108.33 - Give up although I realise this is difficult
Coffees/Sandwiches/Snacks . . . . . . . . . . . . . . . . . . . . . . . . . . . 43.33 - what is this for?
Total monthly income. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,760.67
Total monthly expenses. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3,098.33
[/font]
JUst a few comments above. How many people is your SOA for?
0 -
How many of you are there?
What stands out most is the internet £80!!! and water £170!!!
Also, electricity and gas seem high - does this include debt repayment to these companies? If not, check that you're not in credit with these companies.
Are you paying your Council T over 10 months? - if yes, then see if you can pay over 12 months - you hare recieving benifits so shouldn't be a problem.
It looks like you're paying for an over-draft facility you're not using (as thats not included in youe debt anywhere) - if this is the case cancel it as it's costing you £25/month, also consider changing your bank account (or down grading it) you are paying £5/month
Food shopping can perhapse be lowered if you visit the old-style board for hints and tips, but this will depend on how many people you are having to feed on this budget (batch cook, meal plan, take packed lunches). Seems high given you also have an additional £87 on drinks per month (this is very high, and you spend another £40 drinking out every month).
Also, eating out is a luxury that can be cut out until your budget and spending is under control.
Ther's quite a lot of room for savings in your current budget and you should be able to get your outgoing down to be in line with income, it currently looks like you are getting £600 further into debt every month.0 -
Hi, you haven't said how many people this covers. Am guessing 1/2 adults and 1 child?
Your water rates are huge, think you may have put the wrong amount in there?
For savings - cut out drinks for the home you really can't afford them, also meals at work and newspapers/magazines (read what you can online). You can also cut out coffee/sandwiches/snacks (but is this seperate to meals at work?) If you can cut out school meals, go for it. The taxi/bus/train amount is also very high but as a Londoner I know these can be huge, if there are taxi fees in there cut them out and get the bus but if these are public transport costs for the family I guess you're kind of stuck there. And obviously the cigarettes, but that's more about being able to quit smoking, the cost is what it is.
You seem to have a lot of luxuries in there (taxi, drinks, cigs) so am not sure if you will find these suggestions to your liking but really it's the only way to get ahead with money. To miss out on the luxuries and do things the long/hard way.... on the plus side it leaves you less time to think about what you're missing
You aren't too far off and there's definately room for cuts. Good luck with it, I'm sure others with better suggestions will be along soon0 -
Thanks for the tips, some of these allowances are for my partner, who still has his head well and truly buried in the sand!
I have tried getting him to do these things( ie no drinking at home, packed lunches etc), but to no avail so far.
Hopefully if he looks at these suggestions he might just face reality!0 -
Internet section is tv, phone and internet package witn Virgin.
This still seems high. If you must stay with Virgin, try calling saying you want to cancel, they will soon find you a better deal to entice you to stay.
I have a friend who does this with Sky every time his latest deal runs out-he hasn't paid full price for about 4 years!!0 -
Thanks for the tips. We don't run a car so have to bus everywhere so buy weekly tickets each ( 3of us have to pay)
Meals at work includes coffees etc
Having to get used to preparing meals for all of us, we all work/eat at different times but just a case of plannng ahead i guess.
Thanks for the help, was hoping by posting the budget online it will give us both the incentive we need to really cut back.0 -
This still seems high. If you must stay with Virgin, try calling saying you want to cancel, they will soon find you a better deal to entice you to stay.
I have a friend who does this with Sky every time his latest deal runs out-he hasn't paid full price for about 4 years!!
I have just read the boards on this page. Seems like everyone else is getting a better deal.
I am hopeless at stuff like that but i think i will give it a go tomorrow.:)0 -
Agree with Sofababe - call Virgin and say you want to cancel because you've seen an offer elsewhere and they should make you an offer of a reduction in cost, to keep you with them as a customer.
How did you manage to get CCCS to agree to the highest Virgin package in your spending plan?? Are you in a contract period with them?DFW Official Nerd Club #1114
'Proud To Be Dealing With My Debts':cool:0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.1K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.7K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards