Savvykaz's Soa

savvykaz

Here goes!!!!

My income £900
DH income £1400 (approx as self employed)
Child benefit £69

Total £2369

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Outgoings:

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£389 mortgage
£582 secured loan (firstplus - yes we know!!!)
£88 council tax
£37.40 water
£10.99 tv licence
£25.17 contents & buildings insurance
£79.50 gas & electric
£41 sky
£17.85 life insurance
£25 my mobile (contract)
£50 dh mobile (contract)
£46.50 my rail card
£40 petrol
£280 food (down from £380)
£30 daughter (karate, guides etc)
£26 BT broadband
£16 Talk Talk (home phone)

TOTAL £1784

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Credit cards

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NSPCC £3120 0%apr until 21/03/07 - £70 as per snowball
Halifax £2873 0%apr until 17/01/07 - £100 " " " "
M&S £350 9.9%apr - £50

DH M&S £2500 16.9%apr - £200
DH Capital one 18.9%apr - £80


GRAND TOTAL = £2268

As you can see this only leaves £100 spare which has to go to new clothes, shoes, hols, birthdays, xmas etc. etc.

Any advice greatly appreciated

lisaflower1980

Gas and electricity seem high per month. Also do you really need Sky? You could get a Freeview Digibox for less than one months subscription.

leon103

First I would advice your DH to try and get a 0% CC or a life of balance card

moozie_2

savvykaz wrote:

Here goes!!!!

My income £900
DH income £1400 (approx as self employed)
Child benefit £69

Total £2369

---

Outgoings:

---

£389 mortgage
£582 secured loan (firstplus - yes we know!!!)
£88 council tax
£37.40 water This seems high, are you on a meter?
£10.99 tv licence
£25.17 contents & buildings insurance
£79.50 gas & electric This is astronomical. Does it include arrears???
£41 sky Freeview is the best financial option if you have it in your area. Other than that, ring them and getr better deal!
£17.85 life insurance
£25 my mobile (contract)
£50 dh mobile (contract)
£46.50 my rail card
£40 petrol
£280 food (down from £380) I know this is hard, we are struggling, but it can be reduced further.
£30 daughter (karate, guides etc)
£26 BT broadband

TOTAL £1768

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Credit cards

---

NSPCC £3120 0%apr until 21/03/07 - £70 as per snowball
Halifax £2873 0%apr until 17/01/07 - £100 " " " "
M&S £350 9.9%apr - £50

DH M&S £2500 16.9%apr - £200
DH Capital one 18.9%apr - £80


GRAND TOTAL = £2268

As you can see this only leaves £100 spare which has to go to new clothes, shoes, hols, birthdays, xmas etc. etc.

Any advice greatly appreciated

It's tight but there are savings to be made. Also, you could look at selling on ebay/Amazon, buying through Quidco etc to boost your income.

savvykaz

Gas and electric are a bit high and I have just changed supplier.

Sky is my hubby's only luxury, avid Man Utd fan so watches footie - he is self employed and can work 60 hours a week easily so I can't begrudge him this. Have just negotiated with Sky and has come down from £83.

savvykaz

Thanks Moozie - love your "How much will you spend?" threads

water is not on a meter - this is for 8 months a year with Yorkshire Water

trying REALLY hard with food bill

lynzpower

Kaz

ONe thing I noticed there is that you seem to be paying the most off of the card with the least interest? Is this because its A higher total ?

Any chance of supplementing your income, selling some stuff on ebay? Amazon etc? ONly that 350 card, could probably be cleared with a bit of extras be it babysitting, flogging stuff, or taking in ironing etc ??? EDIT, seen you are doing the ebay challenge- you know its 5p day today??

lynzpower

if you are only paying for 8 motnhs on the water, then for 4 months a year ( find out when they are ) you wuill have that payment to throw at your debts too

vivaladiva

Is £79.50 for gas and electricity really astronomical? I think I'd better go an turn things off - mines £93! :eek:

itsarichmansworld

A wee dodgy tip

Call sky tell them you are leaving as you cant afford it they give you it half price for 3 months (only if hubby really cant give it up Mines wouldnt! )
Then call abck after the initial 3 mons say the same thing they will keep you on Half price for at least 6 months rather than lose a customer.

My friend works @ Sky told me this! I did this and it worked.

Change from BT for Broadband talktalk has it free if its in your area or for a tenner.
Plus Sky are doing free broadband.

Oh mobile contract why do high have you shopped about o2 and Vodafone and tmobile now have some fab tarriffs send me how many mins he uses a text I'll see if you save some there.

How long left on the first plus loan???

Bambywamby

£389 mortgage
£582 secured loan (firstplus - yes we know!!!) OUCH!
£88 council tax
£37.40 water
£10.99 tv licence
£25.17 contents & buildings insurance (Have you tried other Insurers for cheaper quotes? even if it only saves you a fiver a month that is £70 a year
£79.50 gas & electric Cut back on this bills - go to Money saving Old Style forum loads of tips on enegry saving
£41 sky
£17.85 life insurance
£25 my mobile (contract)Can one of you get rid of your contract phones - and get a pay as you go phone? Some fab cheap packages at the moment inculding Orange - 300 free texts a mnth if you top up at least £10 a month
£50 dh mobile (contract)
£46.50 my rail card
£40 petrolCheck the petrol price guides on this site for your cheapest local petrol
£280 food (down from £380)Keep going with the food bill tweaking - for 3 people you could easily get by on £200 a month with clever spending and a bit of home cooking
£30 daughter (karate, guides etc)
£26 BT broadband is this the cheapest package for what you are using?
£16 Talk Talk (home phone)


Good luck - keep at em. XX