Pregnant married with 2 kids and only £5 till end of month

life_in_termoil

check here to make sure your receiving everything your entitled to.

sugarpants_2

husbands company pay for car, insurance, road tax, and internet. (

VanillaDelia wrote: »

Where are all your Car maintanance, MOT, Tax and Insurance costs? Also contents Insurance, Internet?

Pitlanepiglet

You're spending a lot of groceries and I suspect you, along with many of us may have spent considerably more in December that we might have wished which has left us short in January.

Take a wander to the OS board and have a look at some of the threads about food budgeting. You should be able to shave quite a lot of your food costs which might help?

You sound very bitter about the world in general, everything is someone else's fault - you might feel a bit better about life if you can retrain your brain to feel better about things. Your DH has a job (many folks would kill for one), you appear to have healthy children and another on the way. In reality your DH's income is pretty good so it doesn't to me appear that he's working for a measly wage. I just find that I can think myself into a black hole and if I try to look for silver linings not clouds it all feels a bit better.

sugarpants_2

Forgot to add Next store account £50 per mth minumum..Oops..Takes us minus £10 per mth:(

Blobby8 wrote: »

I apologize my mistake, I thought you were in debt, and had no money for food ?

narabanekeater

come over to the old style board and post a list of whats in your cupboards/ freezer and were really good at making meals out of very little
Do you have any nectar points or clubcard vouchers you can use these to buy food
Some churches hand out food parcels to those in need
What sort of foods do you buy the grocery spend looks quite large? also please get contents insurance

sugarpants_2

Aww Pig can you you come round and be my friend and visit for a cuppa every day. i need a person like you around me right now. youve really cheered me up. Just sent your post to my hubby whos on MSN messenger. Do you messenger btw? Do you live near Berkshire by any chance? LOL:T

Pitlanepiglet wrote: »

You're spending a lot of groceries and I suspect you, along with many of us may have spent considerably more in December that we might have wished which has left us short in January.

Take a wander to the OS board and have a look at some of the threads about food budgeting. You should be able to shave quite a lot of your food costs which might help?

You sound very bitter about the world in general, everything is someone else's fault - you might feel a bit better about life if you can retrain your brain to feel better about things. Your DH has a job (many folks would kill for one), you appear to have healthy children and another on the way. In reality your DH's income is pretty good so it doesn't to me appear that he's working for a measly wage. I just find that I can think myself into a black hole and if I try to look for silver linings not clouds it all feels a bit better.

curlytop12

sugarpants wrote: »

font=courier new]Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 2
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 1680
Benefits................................ 181
Other income............................ 0
Total monthly income.................... 1861
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 234
Rent.................................... 875
Management charge (leasehold property).. 0
Council tax............................. 149
Electricity............................. 40
Gas..................................... 30
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 15
Mobile phone............................ 10
TV Licence.............................. 12
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 350
Clothing................................ 20
Petrol/diesel........................... 60
Road tax................................ 0~NEED TO BUDGET FOR THIS
Car Insurance........................... 0~AS ABOVE
Car maintenance (including MOT)......... 0~AS ABOVE
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0~SHOULD HAVE CONTENTS INS
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0~ NEVER ?
Haircuts................................ 0~AS ABOVE
Entertainment........................... 0~AS ABOVE
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 1825

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0# IS THE CAR NOT WORTH MUCH?
Other assets............................ 0
Total Assets............................ 0

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 10995....(234)......0
Total secured & HP debts...... 10995.....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Visa Nationwide................1200......35........0
Total unsecured debts..........1200......35........-

Monthly Budget Summary
Total monthly income.................... 1,861
Expenses (including HP & secured debts). 1,825
Available for debt repayments........... 36
Monthly UNsecured debt repayments....... 35
Amount left after debt repayments....... 1
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -10,995
Total Unsecured debt.................... -1,200
Net Assets.............................. -12,195
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.[/font]

HI, sorry things arew tough at the mo,don't feel like you're the only one!
your SOA looks pretty tight and am worried all has not been taken into account.
the experts on here will be here soon to advise am sure.
Good Luck.

sugarpants_2

thanks Nara
Will check out OS board in a bit.
Used £7.50 of my nectar points last week, God bless Sainsburys! And i havd £4.00 voucher too. wohoo!
I find fruit and veg most expensive and maybe meat.

narabanekeater wrote: »

come over to the old style board and post a list of whats in your cupboards/ freezer and were really good at making meals out of very little
Do you have any nectar points or clubcard vouchers you can use these to buy food
Some churches hand out food parcels to those in need
What sort of foods do you buy the grocery spend looks quite large? also please get contents insurance

Savvy_sewing

Sorry lost my post. Am always doing that.

Go to this webste set up by mse people http://www.cheap-family-recipes.org.uk/planner-christmasweek.html?opt=pc
They give menu plans for £100 for a family a month. Done it myself. So it does work. Am doing option 1 evening meals this week.

Go to the direct goverment site. I am sure that you are entitled to apply for a Crisis Loan, even if you are not on benefits. The government also do budgeting loans, but I am not sure how they work.
I will try and get you a link. Edit. http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/On_a_low_income/DG_10018856
There is a lady on here, Matrix Girl who started posting when she had 73p left and no nappies, or only a few.! Get some inspiration from them if you can.
If you have some flour and an egg, and powdered milk you can make pancakes they are fun as well as filling.!

Good luck. I have been at the bottom of the heap, alas more times then I would like to admit, but MSE usually find the answers, if you are willing to face your problems and look outside of the box!

curlytop12

sugarpants wrote: »

husbands company pay for car, insurance, road tax, and internet. (

you just answered me!i can't type quick enough!:)