Be Gentle... First Timer

GottaGetSortedOut

Where do I start?

well, I had a bad RTA 3 years ago and ended up losing my job and my so called husband (who left me for someone whilst i was in hospital) He also left me with all the debts and the mortgage an a child.

I applied for Csa (long story) he turned up all the time threatening to kill me, had cctv evidence, police did nothing as he hadnt 'actually' harmed me. So I dropped the CSA and struggled on.

New partner now, new baby, happy life... but lots of ex-marital debt £45K to be honest.

CCCS appointment this morning at 10-30am (probably too late for here)

Got to get sorted, have worked out have £200 month spare to pay off the various debts, credit cards, hsbc loan, solicitors etc

Any advice??

Sorry its late

MascaraMinx

Hi GGSO,

Wow what a hard time you've had, glad things have turned around for you though. There are lots of experts on here who will ask you to post your current incomings and outgoings so they can help you save money and advise where to direct your £200. There s asticky at the top of the board with a template to use.

Good luck and well done

GottaGetSortedOut

Thank you for replying...


Monthly Incomings:


Partners salary - £800.00 per month
Benefits - £864.76 Long term Incapacity & Tax Credits per month
Child Benefit £100.00 per month

Total - £1764.76

Monthly Outgoings:

Mortgage - £550.35
Council Tax - £90.00
Gas - £34.00
Electric - £25.50
TV License - £11.00
Phone - £63.00 inc business mobile
Food - £400.00 washable nappies & breastfeeding & pureeing own food
Car Insurance & van insurance - £83.33
Petrol & running costs inc car tax- £232.00
Life Insurance £24.52
Contact Lenses£ 27.50
theatre group/school trips £26.00
piano £48.00
Pet costs vets etc £12.50

total 1566.84

total of 197.92 over

help !!
all figures are monthly

lynzpower

Hi there

Really sory to hear about whats happened to you

Ok, lets see here theres quite a bit you can get cheaper I guess

Mortgage - £550.35
Council Tax - £90.00
Gas - £34.00
Electric - £25.50
TV License - £11.00
Phone - £63.00 inc business mobile ( can you break this down)
Food - £400.00 washable nappies & breastfeeding & pureeing own food ( this is crazy high! I reckon you could probalby halves this with some planning Pop over to the old style board loads of tips on eating & cleaning on a budget)
Car Insurance & van insurance - £83.33
Petrol & running costs inc car tax- £232.00 (2 vehicles... ddo you absolutely need them both?)
Life Insurance £24.52 ( sure tihs is the cheapest?)
Contact Lenses£ 27.50 ( these can be got cheaper, asdas often mentioned as less than a tenner a month)
theatre group/school trips £26.00
piano £48.00 ( Do you absoutely NEED this?)
Pet costs vets etc £12.50 ( could you get insurance for this instead, M&S stated as a cheapie one?)

You havent made any provisions for clothes, toys, gifts, dental , optical, prescriptions, and a raft of other stuff thats gonna come up.Could you guesstimate how much these would be too)

Lynz
x

nidje

Hi and welcome
Lynz has given you some great ideas there to get started on.
I agree the food bill is really high and could be cut down no end. The Old Style board is great for meal ideas on a budget and the things you can clean with vinegar and soda, well !!! .... honestly it's full of great tips and advice and has saved me no end off of my monthly food budget.
HTH
N x

GottaGetSortedOut

Thanks for replying....

Mortgage - £550.35
Council Tax - £90.00
Gas - £34.00
Electric - £25.50
TV License - £11.00
Phone - £63.00 inc business mobile ( can you break this down) £35 BT £30 business mobile
Food - £400.00 washable nappies & breastfeeding & pureeing own food ( this is crazy high! I reckon you could probalby halves this with some planning Pop over to the old style board loads of tips on eating & cleaning on a budget) gonna check out the board, this included, packed lunches for 2 and baby clothes (she grows! buy a lot on Ebay but cant get everything)
Car Insurance & van insurance - £83.33
Petrol & running costs inc car tax- £232.00 (2 vehicles... ddo you absolutely need them both?) Need a van for work, moving triple ladders and cant get a baby seat in a van OR 4 people :-()
Life Insurance £24.52 ( sure tihs is the cheapest?) Yep Dad is an IFA Dont laugh
Contact Lenses£ 27.50 ( these can be got cheaper, asdas often mentioned as less than a tenner a month) will def check out asda, thank you for that one
theatre group/school trips £26.00
piano £48.00 ( Do you absoutely NEED this?) Its my daughter she's 13, shes done it since 5 years old... struggle to keep this but she enjoys it and why should she suffer... she doesnt go anywhere else... cinema with her friends etc
Pet costs vets etc £12.50 ( could you get insurance for this instead, M&S stated as a cheapie one?)Dog is 14 years old so insurance would be more expensive


Thank you so much please keep help coming... waiting for cccs to come back after working out my figures

GottaGetSortedOut

Thanks to all those that replied... CCCS man now gone for today... going to send me some items in the post.

ALready.... I have switched my home phone making a £20 month saving.

My partner has just phoned me and told me he is subcontracting until further notice at £50 week extra

And I have talked to the Council Tax people and worked out a reasonable amount each month to pay off the arrears

lynzpower

:T

Good start :j