Broken down and very scared

Butti

I thingk enough has been said. The visa process will take a while and that gives little_miss_T more time before the actual move. It's her decision and her life.

B

little_miss_T

Thank you for sticking up for me there B.

TomMK

LMT - I've followed your thread for ages but the Australia thing made me want to pipe up because I moved to Australia a year ago and am loving it.

I wont give you the hard sell but if I can help I will.

The most important thing is, like DonnaP says, how you actually get in, i.e. your Visa.

Transferring money back and forth is expensive so you want to get your finances in as low-maintenance a state as possible. Post your SOA and let's review it.

Shoe_Gal

Thanks for a helpful post! Let's help where we can and not judge other peoples decisions :A

little_miss_T

Household Information
Number of adults in household........... 2 (but all of my figures are what i pay)
Number of children in household.........
Number of cars owned....................

Monthly Income Details
Monthly income after tax................ 1000
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1000

Monthly Expense Details

Rent.................................... 200 (this is possibly negotiable as my mam is my landlord)
Council tax............................. 45
Electricity............................. 20
Gas..................................... 30
Water rates............................. 15
Telephone (land line)................... 0
Mobile phone............................ 70 (mobile is very high, but this is line rental, international bundles, and extra call charges)
TV Licence.............................. 10
Satellite/Cable TV...................... 16 (sky tv.. this is with a loyalty discount that will end just before xmas)
Internet Services....................... 10 (mobile broadband)
Groceries etc. ......................... 80
Other travel............................ 82 (bus pass)
Haircuts................................ 6
Entertainment........................... 0
Holiday................................. 0
cigs.................................... 100 (i know i know)
tv/laptop............................... 75 (need them both)
Total monthly expenses.................. 759


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

No Secured nor Hire Purchase Debts

Unsecured Debts
Description....................Debt......Monthly...APR
moorcroft......................63........5.........0
edf............................121.......20........0
moorcroft......................151.......8.........0
scm............................2082......5.........0
csl............................980.......5.........0
lowell.........................600.......10........0
lowell.........................518.......10........0
chantry........................515.......5.........0
b carter.......................435.......12........0
b carter.......................235.......12........0
Total unsecured debts..........5700......92.......

Monthly Budget Summary

Total monthly income................... 1,000
Expenses (including HP & secured debts). 759
Available for debt repayments........... 241
Monthly UNsecured debt repayments....... 92
Amount left after debt repayments....... 149

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -5,700
Net Assets.............................. -5,700



this is what my budget is going to look like form my pay in september.. all of my money is taken up with this holiday right now..

little_miss_T

TomMK wrote: »

LMT - I've followed your thread for ages but the Australia thing made me want to pipe up because I moved to Australia a year ago and am loving it.

I wont give you the hard sell but if I can help I will.

The most important thing is, like DonnaP says, how you actually get in, i.e. your Visa.

Transferring money back and forth is expensive so you want to get your finances in as low-maintenance a state as possible. Post your SOA and let's review it.

i would appreciate as much help as i can get.. thank you

xx

Pinkbunnie

Can you switch from tailor cigarettes to smoking roll your own tobacco? Would probably cut smoking bill by 50-75%

little_miss_T

I cant roll them, and also I smoke more that way, so it's false economy really xx

claire16c

How are you paying for the flight to Australia?

mogsi80

OMG just read the whole thread.. Well done you, you've picked yourself up and coped amazingly with all that's been thrown at you. I wish you all the luck in the world for the future. I've got a few friends that have moved to Oz and they are loving their lives there.. Don't take the negatives to heart, I'm sure it's all been said with the best intentions but we know nothing about your relationship to comment on whether it will last or not, so maybe just stick to being supportive?!

Good luck to you Hun x