Lightbulb moment has happened

themull1

Why have you got £40 childcare expenses?

kellansmummy

Thanks everyone.

Just to clarify I don't work the childcare isn't childcare as such but its a few groups i take my son to so he can socialise with other children. I don't leave him there but you pay for them to attend.

I do need a car as I am the only person who runs my son about. The car is fully paid for and it wouldn't be worth scrapping. its so cheap in terms of insurance. The road tax and insurance I do pay off in one go to get it out the way. I'll alter my soa when I can unfortunately on my mobile its a pain in the butt :-)

I don't pay any household bills cause I moved back with my family when my ex cleared the joint account. I only tend to buy clothes for my son if needed but luckily its his birthday soon so I'm asking for things i know he'll need soon which should save me a bit :-)

I have checked my credit rating and its 5 points of good so hopefully once the debts sorted it'll start going up again

thanks for no judgments :-)