Secure Homes Onebill Help

tofer1983

Hi, I am trying to rationalise my household bills as I'm paid weekly and the monthly ones can trip me up. My friend uses onebill from moneyway, which was secure homes, where you pay them a weekly/monthly fee and then they pay all your bills for you. But they don't offer this to new customers any more. Does anyone know of anyone else that offers this kind of service? Many thanks.

RedBern

nope sorry. But wouldn't pay anyone to sort out my bills. If you can see where the problem arises then there should be a way around it. Set up an account just for your bills, and then divide it (or multiply it) by 4. If you need a small top-up to get you started, join a credit union to borrow a few £. Also go over to the debt free board and get help there. Real problems arise when you can't see where you're going wrong - you obviously can, so take charge yourself. (Sorry, that doesn't sound helpful!);)

tofer1983

The trouble is I end up with 2 weeks where virtually all my wages go and two weeks where hardly anything goes. Having a mix of weekly and monthly bills doesn't help. I have tried getting the payments moved but they aren't having any of it. In theory It shouldnt matter because obviously I know to leave the money in there but I would just prefer knowing I've got the same amount of money left every week. I've never actually heard of a credit union so I'll have to look them up. Thanks for the reply though.

gonzo127

you need to get to grips with multiple bank accounts. (and online banking which saves so much hassle)

litrally go and set up a secondary BASIC bank account, i beleive co-op are doing pretty good ones, anyways these are ones which have no overdraft so you cant get yourself in debt with them,

and over the next few months just start building up a 'small bills' fund in the new account (standing orders from your 'main' account to the new one are a big help) once you have enough to cover one of your bills get the direct debit amended to come out of your new account

keep doing this with your smaller bills to start off with and upping you standing order accordingly with each bill you get transfered

for example new account set up create £5 a week standing order to new account after
one month have £20 so transfer (£20 a month) mobile phone bill to new account £20 - 20 for mobile = 0 and up the standing order to £10 a week,
next month you have got £40 in the account add you £20 a month car insurance to new account so £40 - 20 for mobile and 20 for car =0 now up the standing order to £15 a week

etc etc

tofer1983

Thankyou Gonzo. I get what you mean, I don't know why I didn't think of doing that I already have a basic bank account that I use for spending money when I'm at work, I just chuck my week's free money into that. Will put it to a new use now and try that idea out.

*Louise*

We are paid weekly and what I do is the latter 2 weeks of the month I put as much away in a seperate account as possible and transfer it back at the beginning of the month so I have a small lump sum sitting there which pays the mortgage, utilities etc etc. That saves using so much from the first couple of weeks wages in the month as well.

You shouldn't need a company to do things for you. Write a list, dates of payments and work out how much you need to have each week.

Happyathome

I agree with Gonzo. I had a similar problem and opened a basic Barclays current account (which I call my budget account and this appears on cheques and the card so that I can easily differentiate it from the Barclays current account into which I am paid). I added all my monthly direct debits and standing orders together and divided them by 4.3 to give me a weekly figure and this goes straight from my main account, by standing order, to the Budget account on the day after I'm paid. I moved all direct debits and standing orders to the budget account so that they're paid automatically and haven't had a problem since. Oh, and one unexpected bonus- as I've shopped around and reduced the cost of the standing orders etc. I've left the amount going into the budget account the same and am now paying £250 more than is needed into it a month. This goes straight into a savings ISA. Hope this helps