In a big mess and need help!

stupot_99

Oh and PS your doing great so far cutting back, ill need to start doing that too :-(

bess1234_2

have you checked free school dinners and housing benefit/council tax benefit?

Robin_TBW

What_a_Mess wrote: »

I've made some changes saving £341.66 needing to save a further £47.73. I'll need to go through it again and see what else I can shave off.

You could do it easily you're just being stubborn and letting the kids walk over you. Cut the oldest one's pocket money to £10 and you've saved another £40, then tell your youngest he's taking packed lunches every day and you've saved another £25.50. Sorted.

Just under ten years ago I was your oldest's age. I didn't get pocket money and took a packed lunch every day and my family weren't struggling one bit. They just wanted to make me get a part-time job and I had a cooked dinner at home in the evening so why have one in school too?

What_a_Mess_3

stupot_99 wrote: »

Id still get rid of the shopping for fun, i know its hard but have fun in other ways, ie window shop or something like that, until you can afford to do it. That takes you down to £17.73
Can you go on patches for cigs they are free from docs.
Ditch the newspapers and magazines and just read news online save £13, now down to £4.73 and put the youngest onto 3 meals a week and your in the black.

Ok fun shopping gone, i'll still go to the charity shop but just buy clothes from our clothes budget instead.

I'm ashamed to go back to my Gp after they gave me a load of inhalers last year to quit and I've started again. I may have to bite the bullet and go back. I can't believe I started again, i'd gone 3 months without touching them and I was feeling and smelling great.

Newspapers and magazines have already gone.

What_a_Mess_3

bess1234 wrote: »

have you checked free school dinners and housing benefit/council tax benefit?

I'm not entitled to free school meals because I'm on working tax credits. I already claim the rest.

What_a_Mess_3

Robin_TBW wrote: »

You could do it easily you're just being stubborn and letting the kids walk over you. Cut the oldest one's pocket money to £10 and you've saved another £40, then tell your youngest he's taking packed lunches every day and you've saved another £25.50. Sorted.

Just under ten years ago I was your oldest's age. I didn't get pocket money and took a packed lunch every day and my family weren't struggling one bit. They just wanted to make me get a part-time job and I had a cooked dinner at home in the evening so why have one in school too?

I'm not cutting the eldests pocket money by much more. He has a hobby he does that costs at least £10 a week that he pays for himself and it's the only thing he does. He'll be taking packed lunches every day from now on.

The dinner money really is for my own sake. I hate making packed lunches and I work so many hours it's just another chore I have to try and fit in.

What_a_Mess_3

I've run out of bread yesterday and am trying to avoid the little shop. It took me until this morning to realise that I could make a loaf in the bread maker I have with the bread making ingredients in the cupboard.

Although I think the milk's off because my coffee tastes funny so I'm going to have to pop to the shop today after all.

Robin_TBW

What_a_Mess wrote: »

I hate making packed lunches and I work so many hours it's just another chore I have to try and fit in.

You hate being in debt too.

Soubrette

Do you have a contingency plan if anything happens to your pet and you have cancelled the insurance?

I'm no fan of insurance and I have a dog of my own with no pet insurance but I do have funds available in case of emergency.

If you don't, are you prepared to put the pet down and do you have at least enough money to cover that? Hopefully it will never be an issue but I think it's best thinking about your options before they happen. My mum's dog suffered from worsening diabetes for several months before he dies because she had no insurance and no money so refused to take him to the vets despite his obviously worsening health and poor quality of life.

Also, if your pet is something big like a dog then check your contents covers public liability incase the dog bites someone or escapes and causes an accident. If not then the Dog's Trust used to provide cover for £20 per annum as part of their membership so may be worth looking into. My dog is old so I haven't bothered with this myself.

Good luck with the business

What_a_Mess_3

I know which is why i'm going to be making packed lunches from now on.