you know when all you lovely people give advice...

ZTD

postingalwaysposting wrote: »

i am just really annoyed as they can see i dont use it anyway so why would i want £500.00 extra :mad:

For emergencies - didn't you know? Same reason I get a whole bundle of credit card cheques sent to me, despite never having used a single one in the 10 years I've had a credit card. Never mind - means I get more of my money's worth out of my shredder.

postingalwaysposting

ZTD wrote: »

For emergencies - didn't you know? Same reason I get a whole bundle of credit card cheques sent to me, despite never having used a single one in the 10 years I've had a credit card. Never mind - means I get more of my money's worth out of my shredder.

:rotfl: :rotfl:

postingalwaysposting

having a problem today, i have seen a little (well tiny flat) advertised that i love and its only £400 per month... but if i were to view it how do you run a house, how much would bills cost? also what do i do about my mum could i run a flat with only £350.00 when i have my driving/savings (xmas)/bus travel/house insurance (although this will change to that)/broadband? this is the link http://www.upmystreet.propertyfinder.com/2/pf/da/upMyStreet/property/details.do?action=ATN_GET_PROPERTY_DETAILS&propertyDetailsKey=9200669&tenure=rent&l1=BS29JS its on a bus route (well a walk from one) and its in a nice area

I dont think its possible though, as once i leave mum will not cope at all, she could prob get more benifits (as they (working tax) count all my wage at the momment) but should i worry about that?

Emmzi

Posting,

lets look at numbers like you did with car. Here's some guesses...

Gas/leccy..say £40 a month
Phone/broadband £35?
TV licence £12
Contents insurance £15
Council tax and water £90

So call it £200 a month on top of rent. Does that make it betterorworse?

Plus remember 1 month in advance, 1 month rent as deposit. So you need £800 in your hand.

ZTD

postingalwaysposting wrote: »

having a problem today, i have seen a little (well tiny flat) advertised that i love and its only £400 per month... but if i were to view it how do you run a house, how much would bills cost? also what do i do about my mum could i run a flat with only £350.00 when i have my driving/savings (xmas)/bus travel/house insurance (although this will change to that)/broadband? this is the link http://www.upmystreet.propertyfinder.com/2/pf/da/upMyStreet/property/details.do?action=ATN_GET_PROPERTY_DETAILS&propertyDetailsKey=9200669&tenure=rent&l1=BS29JS its on a bus route (well a walk from one) and its in a nice area

Council tax: If you know the address, you can find out how much it'll cost you per month by ringing the council.

Insurance: You can get cheap insurance if you go through quidco. Zurich and Barclays had quite good deals on recently. Remember you'll only need contents.

Utilities: You'll have to see how well the flat is insulated etc before you can guesstimate how much gas/electricity is going to cost. Have a look on this site to see how much phone/broadband can be had for.

postingalwaysposting wrote: »

I dont think its possible though, as once i leave mum will not cope at all, she could prob get more benifits (as they (working tax) count all my wage at the momment) but should i worry about that?

Your mother will have to cope, unless you still want to be there when you are 60.

ZTD

postingalwaysposting wrote: »

i have seen a little (well tiny flat)

You're not kidding there - step straight out of the shower into the toilet bowl.

postingalwaysposting

Emmzi wrote: »

Posting,

lets look at numbers like you did with car. Here's some guesses... thanks ~ heres my points as of below

Gas/leccy..say £40 a month
Phone/broadband £35? i pay this anyway
TV licence £12
Contents insurance £15 i pay £11 for this house, i presume i can change it over
Council tax and water £90

So call it £200 a month on top of rent. Does that make it betterorworse? umm well at the momment i pay roughly £184.00 for everything but that includes rent :rolleyes:

Plus remember 1 month in advance, 1 month rent as deposit. So you need £800 in your hand. this will be the stuggle which is putting me off as i will either need to put it onto a card or get a loan to cover this so thats more debt that i could do without

if i use you approx an make a soa it will look like this
Rent £400
Gas/leccy..say £40 a month
Phone/broadband £40
TV licence £12
Contents insurance £15
Council tax and water £90

Bus fare £50
Driving lessons £90
Debt repayment (sig) £50
Xmas savings £18
Charity £6

totall £811.00 ~ on a good month my take home is £800.00 :undecided i guess it wont work, i suppose i will be at home forever

edit ~ how can other people younger than me afford to move out

postingalwaysposting

ZTD wrote: »

You're not kidding there - step straight out of the shower into the toilet bowl.

yep but anything bigger is nearly £130 a week :mad:

ZTD

postingalwaysposting wrote: »

if i use you approx an make a soa it will look like this
Rent £400
Gas/leccy..say £40 a month
Phone/broadband £40

Talk Talk is £20 for phone and broadband.

postingalwaysposting wrote: »

TV licence £12
Contents insurance £15

Barclays are still offering £125 quidco cash-back. Why don't you run a quote through their system and see how much it will really cost you?

Fifteen quid a month is more expensive than I paid without the cash back.

postingalwaysposting

ZTD wrote: »

Talk Talk is £20 for phone and broadband. yes but even still it leaves me nothing for food

Barclays are still offering £125 quidco cash-back. Why don't you run a quote through their system and see how much it will really cost you? the insurance i have now is tied (through qudico so i had cash back) but i presume i can just change this over? if so thats only £11

Fifteen quid a month is more expensive than I paid without the cash back.

but i still couldnt do it though could i ztd? unless a miracle happens? i think i was just dreaming of what could have been i suppose :rolleyes: