Getting There, Slowly, But More Ideas Please!!!!

Little_Miss_Winner

Chivers, i hope your not right about the benefits as if the op is being overpaid, then may well find as you say that she has to pay it ALL back.:eek:
From an ealier post by the op;-

My salary - £769.00
Partners salary - £1410.00
Benefits - £687.00

The salaries are similar to ours. Me- £600 Him £1500
and our WFTC is about £54 per month.

Maybe the benefits are something else as you say?

Hope so for the op..

chivers1977

Yep, we get about £67 CB and around £34 per month CTC.

lynzpower

SHEARERBOBS wrote:

nursery are real sticklers about paying monthly which is a pain. I get tax credits every 4 weeks which is £640, but they just sort of sit in the bank and get nibbled away at buying bits and bobs

could you use a childminder instead of a nursery? they are usually significantly cheaper?

ask your local childrens info service run by your council or have a look on your councils website.

SHEARERBOBS

Hi guys

Yes tax credits are spot on, as my hubby is a sub contractor he gets paid a set weekly wage, but the tax credits use his profit - not his weekly earnings as he is self employed - if that makes sense. It's all above board, not ripping the state off honest!!!!!!!!!!!!!

Child minder's were actually more expensive than the nursery as they charge by the hour rather than the day! They were about 30 - 40 pound a week dearer.
£14 isn't much to get by on this week, but I don't get paid this friday, if i did it'd be £200 "spare".

lynzpower

do you think you can string out the 14 quid for the week?

tryhard_2

have a look at your freezer and storecupboards list; you might be able to survive on that and not buy any food

SHEARERBOBS

I'm hoping so! I just found £30 in the savings so I've transfered that over.

I've planned the meals for this weekend using just what in freezer and cupboards. We usually have an indian takeaway saturday night, so I'm making a curry instead with a 49p jar of sauce from Lidl!!! I never dreamt i'd go to Lidl but it's ok actually!!!!!!!! That's saved us £15 straight away, it's mad.

brought my lunch today, made too much chilli last night so hey presto - todays lunch!

lynzpower

Oh fab you found that extra!

The first steps of moneysaving are so exciting arnt they!

tip- find some gram flour at a later date and learn how to make your own bhajis ( well easy) once youve done this youll never buy a supermarket bhaji - or even many takeaway ones again :T

SHEARERBOBS

do you have any kind of meal planner i could use and any good tips?
If you have could you email it to me at all?

Would be very grateful!!!!!!!!!!!

lynzpower

Ill PM you my meal plan for this week

but otherwise look on the old style board. In the top panel theres LOADs of recipes, meal planner collections, challenges and more!

Do familiarise yourself with it theres a wealth of info!