income less than outgoings!

Katrina-trying_to_save!?!

Fair enough its xmas but i have no money! i have so much to do this next mth and my wages arent enough to cover it!

I need to with £672.41 cover:

£100 overdraft- automatically reduces as i change my money to my current account
£90 car loan
£35 phonebill
£60 i owe my sis
£80 i owe my mum for house keeping
£150 my bf wants a e900 for xmas!

Total already- £515 :mad: :eek:

nevermind that its my friends 21st bday on sat & and i have to buy her a present plus pay £15 for the limo, money to spend on drink!!

THEN i have my work christmas do and i need a new outfit to go with it!!!


how oh how am i gunna do all this???? please help!!! but i dnt reckon ne1 could!!

lynzpower

I think this might be better moved over to the DFW board?

Jonjulie

Dumping the b/f will save you a chunk.;)

iwanttosave_2

Dont waste £150 on a moblie phone for starters, we are only spending £30 on each other at xmas, there is no need to spend stupid amounts of money.

Katrina-trying_to_save!?!

but every year thats what we spend on each other. I get my student loan in Jan so could buy him it then but i suggested the sales before and he said that he wanted it for xmas!! tut

im well and truly snookered!

mcbiddy

hi,
no offence but i think you need to learn to prioritise. though it is always nice to buy gifts for friends and family especially at christmas, it should not come before the essentials. (and by that i mean food and things you need to go to work etc.) I would refer you to the section of this website on budgetting.
hope it all works out for you.

scuzz

I say explain to you bf that you simply can't afford the present he wants and get him something cheaper. Alsom route through your wardrobe and find an outfit for xmas do. I'm wearing something I've worn before:eek:

tiff

Katrina-trying_to_save!?! wrote:

but every year thats what we spend on each other.

But can you afford it?

The answer is no if your outgoings are more than whats coming in. You need to tell him you cant afford it and decide on a much smaller present budget if anything at all.

iwanttosave_2

Katrina-trying_to_save!?! wrote:

but every year thats what we spend on each other. I get my student loan in Jan so could buy him it then but i suggested the sales before and he said that he wanted it for xmas!! tut

What a lovely thoughtful and considerate boyfriend you have there.

luckylukey

I think you should not spend that amount on your boyfriend. If he wants it that badly, he can get it himself!
Outfit for work - borrow from a friend. I had a ball to go to last saturday and instead of spending +100 on a ballgown I borrowed one from my cousin.
For your friends 21st - why not make her a photo album of her growing up - it will last longer and bring back memories and budget a small amount for drinks.
If you dont have enough money - you have to make cutbacks.
Sorry if this sounds harsh!

comping_cat

Im a bit concerned that your boyfriend is expecting you to spent that amount, and wants it for xmas (isnt prepared to wait a week or two). Have you explained your situation to him? If you have, then im sorry, he should be ashamed of himself!!!
With regards to friends 21st, i would go out and not drink and save something there, you dont have to spend loads to have a good night out!!!!
Also, do you really need to buy a new outfit to go out in, or would you have something you could re wear or adapt???