10 months in and 90 left to go ... the reality is starting to kick in :)

skint_spice

Actually "no bad" can also be used for gorgeous Z - "haw, his new burd's no bad";)

ZTD

skint_spice wrote: »

Actually "no bad" can also be used for gorgeous Z - "haw, his new burd's no bad";)

So when was the last time you heard that?

elantan

Sadly not that long ago for me ... There are still Neanderthals roaming the streets here

skint_spice

Yes, heard it at college just the other day...

elantan

Ooooo I went to a few of those colleges too skinty ... I learned much more than social care etc whilst there I can tell ya :-)

elantan

So sat down with the figures last night and cutting everything to the bone leaves us £306 short every month ( taking this from what I think to be the very basic wage) I'm thinking maybe I need to not pay into a pension just now, I had budgeted £120 for that and tbh £120 isn't anywhere near as much as I should pay into a pension but it's better than nowt

So if I take the £120 from the £306 I'm left with £186 which is more achievable for me with the overtime, it means I'm once more reliant on overtime which I really really don't ever want to be again,

I'm also only budgeting £75 for holidays which is no where near enough so will deff have to have some sort of sell everything not essential deal going on, but them come September I will have £75 less a month to find

I'll also have £28 less a month to find from February as I will have finally paid off the suite ( that's been a long 4 years)

So that is the current state of play, of course it could all change in a second, but right here and right now that's how I stand

beanielou

Blimey that is eye opening for me.
I tend to think now that a lot of my difficulties are from being just my income coming in but there are two of you.
Sobering thought.
At l;east you know things are really tight though.;

elantan

i think the main issue is the fact i only have a part time contract beanie, if i was full time i would have the £306 covered with a tiny bit to spare.

This is all the money though the whole shebang, including fun money it's just cutting everything right back to the bone, and to be honest not quite paying as much as i would like to pay more to alot of them, including holidays,pension, spare, money food etc

so i think it will be an interesting next few months while we get used to this new budget...

and as i say this is just how it is right this second it could easily change tomorrow

rising_from_the_ashes

elantan wrote: »

So sat down with the figures last night and cutting everything to the bone leaves us £306 short every month ( taking this from what I think to be the very basic wage)

Ohhhhh - I was like that when I had my 2nd job and it's horrid situation to be in (((hugs)))

elantan wrote: »

I'm also only budgeting £75 for holidays which is no where near enough so will deff have to have some sort of sell everything not essential deal going on, but them come September I will have £75 less a month to find

Hate me for saying this .... but - could you not ditch one of the holidays?

beanielou wrote: »

I tend to think now that a lot of my difficulties are from being just my income coming in

Snap .....

elantan

Hi rising, one holiday is paid for for us, but we need to find spending money, the other holiday we have paid a big deposit already so would loose that

Once again it's one of those situation we have found ourselves in, I have a feeling it's going to go the same way as this years debacle

And there's me sounding so ungrateful again

Grrrrr to me