Budgeting Just Got Worse *Updated with SOA*

rog2

Bunnie1982 wrote:

He went out with his Dad at 2:45 and is still not back, doubt he will be back at all tonight because we had a row and he made me cry

Looks like there is some money to be saved here, Bun.
Sorry to hear of your predicament. :grouphug:

SSB

Hi Bunnie1982
Sorry to hear that you are having a bad time at the moment. This sounds like it is not just a money issue, how is the relationship going anyway? It is very difficult to tackle money problems if your partner is not supportive, what is the point of saving if your partner just spnds it all? Maybe you need to think very carefully what it is that you want out the relationship.

taplady

:grouphug: Bunnie - hope you patch it up with your OH xxx

System

SOrry to hear that bunny but to make you feel better in an attempt to get some money I am selling my car for 6K and have bought another for 2K - banking 4K!! However, I was caught up in a scam and came bery close to losing a lot of money. Anyway this new car has so far cost over 1K in repairs and I havent sold the car yet! I am gutted! I hope that makes you feel better! Chin up.

Lenny

LookingAhead

Oh dear bunny I am sorry that you are having a cr ap time at the moment.
It sounds like the car/bus thing is the straw that has broken the camel's back so to speak. Things need to be sorted don't they?

I hope you feel stronger soon to be able to look at things clearly for solutions, even if it is just one simple thing somewhere.

It's the start of a New Year, don't let it drag on throughout 2007.....try to gather a little strength so you can begin to take control of things.

Come back to us for support.
xx

immoral_angeluk

What a gentleman... expecting YOU to walk to work...

Bunnie1982

Now that my head is a bit clearer I thought I would post an SOA to see if anyone can offer any money saving advice, I have included my OH's stuff even though he is already on a DMP.

He has worked out that he will cycle to work, but I am still left with the choice of walking or catching the bus, I think if the weather is fine I will walk and will only catch the bus if the weather is bad.

SOA

My Wage £740 per month
Partners Wage £997 per month
Occasional Income from Mystery Shopping Assignments

Rent: £375 per month
Water: £11 per month over 11 months
Council Tax: £102 per month (now have 2 free months)
Gas: £20 per month
Electricity: £10 per month
Contents Insurance: £7.49 per month
Telephone: £10 per month
Mobile: £5 per month
Broadband: £11.99 per month
TV Licence: £11.99 per month
Car Finance: £128.95 per month
Spares/Servicing: £10 per month (should have been saving)
Road Tax: £15 per month (should have been saving)
Insurance: £41 per month
Fuel and Parking: £40 per month
Food, Toiletries and Cleaning: £100 per month
Pets: £10 per month
Clothing and footwear: OH Budget £20 per month
Dentist/Opticians: OH should be putting away £10 per month
Sports/Hobbies/Entertainment: £20 per month (OH budget)
Sundries and Emergencies: £10 (OH should have been saving)

CCCS: £470
One of the debts clears at the end of February

My Debts
Natwest Loan: £7731.15 left (inc Interest) - £208.95 per month - APR 9%
Natwest Credit Card: £1466.39 - £35 per month - APR 16.9%
Capital One Mastercard: £190 - £10 per month - APR ?%
GE Money Storecard: £820 - £35 per month - APR 29.9%
Pay Mum for Catalogue - £10 per month


If I have worked that out right it means that we should have a disposable income of £39.12 per month. I have no idea what my other half does with his money, because the money that he is meant to save through his CCCS plan he just spends.

I think my first step here is to get him to do a spending diary to see where his money is going.

The biggest problem with my money is that I changed from a permanent job at £15,000 per year to a temporary job which currently only pays £11500 per year until I am made permanent.

Any suggestions would be really useful x