Budget help!!!

pwuk

Drop your iPhone down to £35ppm - 600 minutes
Renegotiate sky - cancel talk talk and move tv, landline & broadband to sky under one contract

every little helps

Bogof_Babe

From viewing the OP's other posts, in May 2010 she has/had a husband, and also has/had a shedload of debts.

I don't think we are getting the whole picture here.

thegirlintheattic

Libbyd wrote: »

Mortgage - £579.00
Council Tax - £149.00
Water - £68.00
Gas/Elec (Eon) - £149.00 (Again a lot. Compare)
Car Insurance - £49.00 (Seems quite a lot. Compare)
Petrol - £140.00
Life Insurance - £15.00
Home Insurance - £14.00
Pet Insurance - £5.00
Boiler Insurance - £13.00
Sky - £29.00 (considering getting rid) (Get rid! Go with freeSat or freeview)
Phone (Talk Talk) considering cancelling it as don't use a home phone, but what about broadband??) £28.00 (You can get broadband only from many suppliers for much less)
TV License £11.00
Credit Card - £30.00
Car Loan - £271.00
Mobile - £45.00 (o2, iphone) (Can you get rid? I pay only £15 per month SIM only for 300 minutes and unlimited texts. Sell the iphone as well
Dentist - £10.00 (Drop the dental plan, go with a NHS dentist if possible)
Sons clubs - £35.00 (What club?)
Food - £400.00 (at least) (cut this down - meal planning, brand swapping)

Can you post a full SOA?

Also 25% left over is much more than many people have, so I wouldn't panic!

tessie_bear

could u try and reduce your food budget ?...the grocery challenge is helpful

Libbyd

Yes, I couldn't get an NHS dentist so I pay on the Denplan to see a good private one. I end up having treatment once a year so it works out the same than one big bill to be honest.

THe credit card at least is only £30 a month, I don't use it anymore.

Lokolo wrote: »

You pay £10 a month for dentist?

And TBH it's your car loan and credit card whereby you could save the most.

Libbyd

I unfortunatly can't as I need a car to work, and it is very reliable. My last car cost me a small fortune with work it needed doing etc.....

dawyldthing wrote: »

you biggest problem is the car - can you get rid? as its costing 461 including the loan payment for the car - so basically a second mortgage!

Libbyd

HI,

Yes I too had to join Denplan to get a dentist, and as I have treatment usually it works out fine at £120 a month. I am also a nervous patient so having a good dentist is worth that £10 a month.

Bogof_Babe wrote: »

I pay £43 a month on Denplan for me and OH. Our dentist doesn't do NHS now, and as we've been with him forever we had to bite the bullet (lol no pun intended) and pay to join Denplan.

The OP's £10 a month is only £120 a year. Even on NHS you do have to pay something towards your treatment.

Do we know whether the OP has a partner?

mintymoneysaver

Your gas/ elec seems very high. I am paying £73 a month for my 3 bed semi with Eon.