How much do you live on per month?

skyvicky123

I'm not saying it hasn't crossed my mind to report these people but in some cases we are talking close family. I have never had the need to claim benefits, always worked since 15 and always paid my taxes but others in my family have not been so conscientious. Plus very old friends in the case of the birth cert thing.

TBH at this rate I won't ever own my house either as I am in a mass of negative equity! But that's not the point and it was my decision to purchase at what I suspected might be an inflated price.

Ps Lucy my sister also had new kitchen and bathroom fitted to her place, as well as a grant for paint to re-decorate the place when she moved in.

Lucy1010

skyvicky123 wrote: »

Ps Lucy my sister also had new kitchen and bathroom fitted to her place, as well as a grant for paint to re-decorate the place when she moved in.

It is disheartening, especially as they get to choose WHICH kitchen/bathroom they would like, the colours, the flooring not to mention the labour involved. It costs £1000's to re-fit and I would love a new bathroom in my place.... not that it needs doing but I would love one all the same... and it's no different to these people living on benefits, they get a new bathroom because it's TIME to get a new bathroom not because it's falling apart!

Anyway, I sound bitter and really I am not, I am all for money going to the disabled people that aren't fit enough to paint a wall let alone do general DIY. I support the sick, those that have terrible illnesses and can't work ... but not your average woman, who in her 40's has 4 kids, a hubby that only claims to work 16 hours per week yet she can afford to jet off on a long haul holiday for 2 weeks over the Easter break (the most expensive time to travel) AND get paid for it by deduction of my taxes and all the other employed persons reading this...

skyvicky123

Lucy...Once I get on my soapbox there's no stopping me so for now I will just say well done for giving up the fags. I remember reading one of your early posts when you said you thought it would be impossible! I will be smoke free for a week tomorrow, but going strong!

kaz0705

Lucy1010 wrote: »

My SOA has significantly changed since I posted this...

OK here is my SOA... what does it look like to you kind people?

Household Information[/b]
Number of adults in household........... 1
Number of children in household.........
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1809
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1809

Monthly Expense Details
Mortgage................................ 439
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 86
Electricity............................. 30
Gas..................................... 50
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 18
Mobile phone............................ 35 iphone contract 24 mths
TV Licence.............................. 12.12
Satellite/Cable TV...................... 19
Internet Services....................... 0
Groceries etc. ......................... 25- a month?
Clothing................................ 40- essential?
Petrol/diesel........................... 50
Road tax................................ 9.16
Car Insurance........................... 11.66
Car maintenance (including MOT)......... 40
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..................... 11
Contents insurance...................... 0- You need at least basic. This is for worse case scenarios; if the flat burnt down, can you afford to buy clothes/bedding/ electronics? Go through topcashback
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 10- I recently got a free haircut from the salon in Selfridges from gumtree; 4th year student about to graduate!
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 100
Total monthly expenses.................. 1025.94
[/b]

Just made some basic comments! Don't beat yourself up by comparing yourself with friends- it's pointless! Everyone had their own financial concerns and worries (or head in the sand!). I ALWAYS make my friends go to places with discounts and they appreciate it! I always sign up for chain bars (like All Bar One etc) and often get offers that way (including an invite to an opening with a free bar- approach with caution!)

Anyway, do what you need to do and don't worry too much what people think. Those that matter don't mind!

EDIT

Oops! Didn't realise this was 40+ pages! Ummmm suspect this might all be defunct!

Sequeena

On the smoking front keep it up xx I quit in October 2010, one month before I conceived. Best thing I ever did!

Lucy1010

kaz0705 wrote: »

Just made some basic comments! Don't beat yourself up by comparing yourself with friends- it's pointless! Everyone had their own financial concerns and worries (or head in the sand!). I ALWAYS make my friends go to places with discounts and they appreciate it! I always sign up for chain bars (like All Bar One etc) and often get offers that way (including an invite to an opening with a free bar- approach with caution!)

Anyway, do what you need to do and don't worry too much what people think. Those that matter don't mind!

EDIT

Oops! Didn't realise this was 40+ pages! Ummmm suspect this might all be defunct!

LOL thanks anyway hun! Oooh I have had a payrise since then! Thanks for reminding me of my expenses, lots has changed, brilliant!

kaz0705

Well long as I haven't been completely useless! :-)

ani_26

Quote:
Originally Posted by Lucy1010
My SOA has significantly changed since I posted this...

OK here is my SOA... what does it look like to you kind people?

Household Information[/b]
Number of adults in household........... 1
Number of children in household.........
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 1809
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 0
Total monthly income.................... 1809

Monthly Expense Details
Mortgage................................ 439
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 86
Electricity............................. 30
Gas..................................... 50
Oil..................................... 0
Water rates............................. 30
Telephone (land line)................... 18
Mobile phone............................ 35 iphone contract 24 mths
TV Licence.............................. 12.12
Satellite/Cable TV...................... 19
Internet Services....................... 0
Groceries etc. ......................... 25- a month?
Clothing................................ 40- essential?
Petrol/diesel........................... 50
Road tax................................ 9.16
Car Insurance........................... 11.66
Car maintenance (including MOT)......... 40
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..................... 11
Contents insurance...................... 0- You need at least basic. This is for worse case scenarios; if the flat burnt down, can you afford to buy clothes/bedding/ electronics? Go through topcashback
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 10
Haircuts................................ 10- I recently got a free haircut from the salon in Selfridges from gumtree; 4th year student about to graduate!
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 100
Total monthly expenses.................. 1025.94






I Lurve it. It would appear Lucy has taken a leaf out of my book, and now has a budget of £25 a month, for food. Well done Lucy

:rotfl::rotfl::rotfl::rotfl:


( sorry lucy, could'nt resist it ) hug xx

Lucy1010

ani_26 wrote: »

I Lurve it. It would appear Lucy has taken a leaf out of my book, and now has a budget of £25 a month, for food. Well done Lucy

:rotfl::rotfl::rotfl::rotfl:


( sorry lucy, could'nt resist it ) hug xx
[/B]

YES Ani! Aaaaaaaand I don't spend £40 on clothes per month anymore! I realised my wardrobe had lots to offer me! I sold loads of stuff too hugs xx

ani_26

I'm not billy no mates any more then :rotfl::rotfl::rotfl::rotfl:


You'll start smelling like the people who shop in ald* soon


Mwah