Tesco Discussion Chats & Grabbits 11+ Xmas/NY (Incorporating HC's Glitch & B1tch Pub)

sunshinestar101

katierose1 wrote: »

I know i was shocked when we worked it out, but to be honest i dont really know how to lower it!

we do have two cars which we need.

sunshine - how is yours that low?? we spend more than that on food!!!!

just off the top of my head....

Car Insurance - £35
TV Licence - £13
Virgin - £20
Petrol for car - £40
food - £100
Rent excess - £90
Gas & electric - 70
Water - £14


ok - confession time - we DO have a huuuge debt due to OH having a secret gambling problem a few years back - but we dont pay it..... bad, i know... but they havent sent letters for the past 3 years - so im not chasing it till they chase us!

katierose1_2

purdita wrote: »

How much of the £3K is mortgage/Rent, council tax, loans etc which have to be paid no matter what.... and how much of it is on spending on food, clothes etc. where ther savings can be made?

Just over 2500 on house costs (mortgate, water, gas, electric etc) insurances, savings, contact lenses etc
(600 of this is a mortgage on a flat we own but we then get back in rent)

then 700 on food, clothes, petrol for my car (oh has a fuel card)

i really want to lower it though as its a mad amount of money to spend each month especially as its our wedding in 7 months!

nahteb20

3Dogs wrote: »

I've got the Taboo if you've got the lemonade

Thank you 3 dogs

katierose1_2

Im so jealous, can you come give me some tips please!!!

How many do you feed on 100 a month?

sunshinestar101 wrote: »

just off the top of my head....

Car Insurance - £35
TV Licence - £13
Virgin - £20
Petrol for car - £40
food - £100
Rent excess - £90
Gas & electric - 70
Water - £14

3Dogs

katierose1 wrote: »

Ok totally Off topic, but as the thread is slowish tonight thought i would share - we have decided that we need to lower our expenditure so have just been working out our monthly outgoings each month and it is over 3k!!!!

I cant believe its so high!!!

How much roughly is your monthly outgoings?????

Katie, I would recommend starting a new thread here http://forums.moneysavingexpert.com/forumdisplay.php?f=76 where loads of people will help you out. They will most likely ask you to post a SOA (statement of account) which you can do on here http://www.makesenseofcards.com/soacalc.html and then post to the thread

Hope you get the help you need but remember, it is not how much your outgoings are that is the problem, it's whether you cover them with you income

Winjackie

3Dogs wrote: »

:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:



Take your pick Katie

No Cono Sur??

DODO_2

Send a postcard (and make a sick child smile)
This was posted just after Christmas but cards and little gifts can be sent all year

Did you get a present you feel you can spare and give away for free? If you have something that you think could have a new home or have spotted a bargain in the sales then please consider sending it to a seriously ill child, their sibling or their parent or the family of a child who has passed away.

Just log onto www.postpals.co.uk click “find a pal” then have a read of their story, it lists their interests and ages so you can see who would like your gift, the siblings (or parents) on the memorial section who have an address on their page would loved to receive.

The New Year can be a very difficult time for anyone but its especially hard when your ill.


Totally off topic but found this post while surfing and felt humbled by it - so if anyone has any presents unwnated or in duplicate or freebies from DTD. I spent a night in hospital last week when my little boy broke his arm and cant imagine what it would be like to have a long term illness - the impact on a family the other children must be immense.

Oh God - preaching over!! Sorry

geemi

sunshinestar101 wrote: »

it... erm..... think its counted as a natural laxative.... plus ment to make you be sick loooads.

anyone on here used it??

yes 34 years ago. Labour started 1 hour after I took it. I was in labour for less than 1 hour. He just "slid" out. I have always felt a wee bit guilty that maybe he should not have been born on the day that he was, but he is a brilliant guy with an amazing family of his own now.

blondynurse

mymerrywidow wrote: »

had to read that 3 times, as i read it as though you had sex with your sis-in-law :eek::eek:

queen_of_cheap wrote: »

3K???????????????? :eek:

Mine is at most £600 per month- thats rent, gas/electric, cable tv, mobile phone, water and tv licence

I share a house with one other and we split the bills down the middle. I use his car, he pays the insurance etc on it!

Crikey our morgage is a thousand pound a month

katierose1_2

3Dogs wrote: »

Katie, I would recommend starting a new thread here http://forums.moneysavingexpert.com/forumdisplay.php?f=76 where loads of people will help you out. They will most likely ask you to post a SOA (statement of account) which you can do on here http://www.makesenseofcards.com/soacalc.html and then post to the thread

Hope you get the help you need but remember, it is not how much your outgoings are that is the problem, it's whether you cover them with you income

thanks, i will have a look, i never manage to make it further than this thread and grabbit!

oh and first wine review, An impressively rich and concentrated, yet rounded red, with flavours of cassis and black wine-gum :rotfl::rotfl: