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Where can we save?
itstopsnow
Posts: 2 Newbie
Hi all, here is my SOA for you to peruse. I have put figures and comments in brackets as we are moving in with my dad at the end of July to save some money for the future. We've been terrible with money but IT STOPS NOW.
Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Income from Employment (after tax) . . . . . . . . . . . . . 2400.00
Income from Self Employment (before tax). . . . . . . . . . 0.00
State Pension . . . . . . . . . . . . . . . . . . . . . . . 0.00
Private Pension / Annuity Payout. . . . . . . . . . . . . . 0.00
Benefits (Inc. Child Benefit/Tax Credits & Income Support)80.00
Income From Savings & Investments . . . . . . . . . . . . . 0.00
Gifts From Family / Friends . . . . . . . . . . . . . . . . 40.00 (Pocket money for my daughter from my nan - I put this in her savings account to pay for days out or for the future so although I've included it here it doesn't form part of the household income iykwim)
Monthly Expense Details
In Your Home
Mobile phones . . . . . . . . . . . . . . . . . . . . . . . 55.00 (two contracts)
TV licence. . . . . . . . . . . . . . . . . . . . . . . . . 12.00
Internet. . . . . . . . . . . . . . . . . . . . . . . . . . See TV
Home phone. . . . . . . . . . . . . . . . . . . . . . . . . See TV
Cleaning products/Cleaner . . . . . . . . . . . . . . . . . Accounted for in the food shop budget
Garden maintenance. . . . . . . . . . . . . . . . . . . . . We don't have a garden
Household maintenance . . . . . . . . . . . . . . . . . . . 0.00
Oil . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Electricity . . . . . . . . . . . . . . . . . . . . . . . . See Gas
Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . 105.00 for dual fuel, not sure of the split (we are in a one bed flat with single glazing, though we may well now be overpaying as we had a creaky old boiler which I don't think was very efficient - this was replaced in April so we'll find out later in the year if there's a saving to be made there now...)
Water . . . . . . . . . . . . . . . . . . . . . . . . . . . 41.00
Council tax . . . . . . . . . . . . . . . . . . . . . . . . 87.00
Overdraft cost. . . . . . . . . . . . . . . . . . . . . . . 0.00
Bank account fee. . . . . . . . . . . . . . . . . . . . . . 0.00
Home insurance. . . . . . . . . . . . . . . . . . . . . . . 12.00 (contents only)
Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . 560.00
Plumbing/Boiler cover . . . . . . . . . . . . . . . . . . . 0.00
Mortgage life insurance . . . . . . . . . . . . . . . . . . See life insurance
Mortgage payment protection . . . . . . . . . . . . . . . . See life insurance
Life insurance . . . . . . . . . . . . . . . . . . . . . . . 80.60 I think this is mortgage life insurance and payment protection as well
Food and household shopping . . . . . . . . . . . . . . . . 300.00 (this includes cleaning products, nappies and cat food/litter)
Drinks for home . . . . . . . . . . . . . . . . . . . . . . 0.00 (bought from food budget if there's anything left)
Motoring & Public Transport
Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . 450.00 (two cars)
Parking . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car tax . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00 (one car is a company car)
Car insurance . . . . . . . . . . . . . . . . . . . . . . . 35.00
Car maintenance . . . . . . . . . . . . . . . . . . . . . . 0.00 (need to consider this in future for my car as it's starting to get old)
Rail/Buses/Taxis. . . . . . . . . . . . . . . . . . . . . . 0.00
Breakdown cover . . . . . . . . . . . . . . . . . . . . . . 0.00 (provided as part of my insurance)
Debt Repayments
Credit card repayments. . . . . . . . . . . . . . . . . . . 230.00 (would like to up this to get the debt down asap)
Hire purchase repayments. . . . . . . . . . . . . . . . . . 0.00
Personal loan repayments. . . . . . . . . . . . . . . . . . 320.00 (2.5 years left to run) and 200.00 (attached to mortgage)
Car loan repayments . . . . . . . . . . . . . . . . . . . . 0.00
Savings & Investments
Pension payments. . . . . . . . . . . . . . . . . . . . . . 0.00
Buying shares . . . . . . . . . . . . . . . . . . . . . . . 25.00
Investments . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Cash ISAs . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Lump sum saving . . . . . . . . . . . . . . . . . . . . . . 0.00
Regular saving. . . . . . . . . . . . . . . . . . . . . . . 0.00 (tend to use what's left the day before payday to either pop in savings for month-by-month expenses such as birthdays etc. or pay additionally off a credit card)
Family
Pet food. . . . . . . . . . . . . . . . . . . . . . . . . . accounted for in food budget
School trips. . . . . . . . . . . . . . . . . . . . . . . . 0.00
School meals. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pocket money. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Nappies/Baby extras . . . . . . . . . . . . . . . . . . . . accounted for in food budget
Laundry/Dry cleaning. . . . . . . . . . . . . . . . . . . . 0.00
Children's travel . . . . . . . . . . . . . . . . . . . . . 0.00
Baby-sitting. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Childcare/Playgroups. . . . . . . . . . . . . . . . . . . . 356.00 (nursery 1.5 days a week and one group a week) nursery covered by childcare vouchers
Pet insurance . . . . . . . . . . . . . . . . . . . . . . . 24.00 (two cats - can't change provider for one as he has a pre-existing condition)
Travel insurance. . . . . . . . . . . . . . . . . . . . . . 0.00
Entertainment
Satellite/Digital TV. . . . . . . . . . . . . . . . . . . . 85.00 (This is for TV, broadband and phone, though once we move we will only have the TV aspect)
Family days out . . . . . . . . . . . . . . . . . . . . . . 0.00
Cinema/Theatre trips. . . . . . . . . . . . . . . . . . . . 0.00
Books/Music/Films/Computers . . . . . . . . . . . . . . . . 0.00
Big days out. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Shopping for fun. . . . . . . . . . . . . . . . . . . . . . 0.00
Pet costs . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Hobbies . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
IT/Computing (antivirus, etc) . . . . . . . . . . . . . . . 0.00
DVD rental. . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Drinking out. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Eating out. . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Clothes, Health & Beauty
Complimentary therapies . . . . . . . . . . . . . . . . . . 0.00
Optical bills . . . . . . . . . . . . . . . . . . . . . . . 0.00
Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Beauty treatments . . . . . . . . . . . . . . . . . . . . . 0.00
Healthcare cash plans . . . . . . . . . . . . . . . . . . . 0.00
Dental insurance. . . . . . . . . . . . . . . . . . . . . . 15.00 (provided through my employer, covers me and hubby)
Private medical insurance . . . . . . . . . . . . . . . . . 0.00
Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . 0.00
Work clothes. . . . . . . . . . . . . . . . . . . . . . . . 0.00
New children's clothes. . . . . . . . . . . . . . . . . . . 20.00
New clothes . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Education & Courses
University tuition fees . . . . . . . . . . . . . . . . . . 0.00
School fees . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Your courses. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Big One-Offs
Funeral expenses. . . . . . . . . . . . . . . . . . . . . . 0.00
Wedding expenses. . . . . . . . . . . . . . . . . . . . . . 0.00
Sofa/Kitchen/TV . . . . . . . . . . . . . . . . . . . . . . 0.00
Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Winter holiday. . . . . . . . . . . . . . . . . . . . . . . 0.00
Summer holiday. . . . . . . . . . . . . . . . . . . . . . . 0.00
Christmas . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Odds & Sods
Newspapers and magazines. . . . . . . . . . . . . . . . . . 0.00
Tax & NI Provisions (self-employed only). . . . . . . . . . 0.00
Regular charity donations . . . . . . . . . . . . . . . . . 9.00 per quarter - could cut this but would prefer not to
Meals at work . . . . . . . . . . . . . . . . . . . . . . . 0.00
Smokes. . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Coffees/Sandwiches/Snacks . . . . . . . . . . . . . . . . . 0.00
Total monthly income. . . . . . . . . . . . . . . . . . . . 2480.00
Total monthly expenses. . . . . . . . . . . . . . . . . . . 2330.00
So as you can see there's very little left for fun etc. and if a big bill comes along we are up the creek!
Once we have moved to Dad's we'll pay him the cost of his loss of single person council tax, plus however much his utilities increase. We'll still have the mortgage to pay but will be renting the flat out so hopefully the rent will cover that, we are taking the Sky TV with us (Dad lives in a village in the middle of nowhere so we'll use that as our primary source of entertainment via Sky Movies). We'll lose the following expenses : contents insurance, council tax, phone, broadband
Thanks in advance!
Statement of Affairs and Personal Balance Sheet
Monthly Income Details
Income from Employment (after tax) . . . . . . . . . . . . . 2400.00
Income from Self Employment (before tax). . . . . . . . . . 0.00
State Pension . . . . . . . . . . . . . . . . . . . . . . . 0.00
Private Pension / Annuity Payout. . . . . . . . . . . . . . 0.00
Benefits (Inc. Child Benefit/Tax Credits & Income Support)80.00
Income From Savings & Investments . . . . . . . . . . . . . 0.00
Gifts From Family / Friends . . . . . . . . . . . . . . . . 40.00 (Pocket money for my daughter from my nan - I put this in her savings account to pay for days out or for the future so although I've included it here it doesn't form part of the household income iykwim)
Monthly Expense Details
In Your Home
Mobile phones . . . . . . . . . . . . . . . . . . . . . . . 55.00 (two contracts)
TV licence. . . . . . . . . . . . . . . . . . . . . . . . . 12.00
Internet. . . . . . . . . . . . . . . . . . . . . . . . . . See TV
Home phone. . . . . . . . . . . . . . . . . . . . . . . . . See TV
Cleaning products/Cleaner . . . . . . . . . . . . . . . . . Accounted for in the food shop budget
Garden maintenance. . . . . . . . . . . . . . . . . . . . . We don't have a garden
Household maintenance . . . . . . . . . . . . . . . . . . . 0.00
Oil . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Electricity . . . . . . . . . . . . . . . . . . . . . . . . See Gas
Gas . . . . . . . . . . . . . . . . . . . . . . . . . . . . 105.00 for dual fuel, not sure of the split (we are in a one bed flat with single glazing, though we may well now be overpaying as we had a creaky old boiler which I don't think was very efficient - this was replaced in April so we'll find out later in the year if there's a saving to be made there now...)
Water . . . . . . . . . . . . . . . . . . . . . . . . . . . 41.00
Council tax . . . . . . . . . . . . . . . . . . . . . . . . 87.00
Overdraft cost. . . . . . . . . . . . . . . . . . . . . . . 0.00
Bank account fee. . . . . . . . . . . . . . . . . . . . . . 0.00
Home insurance. . . . . . . . . . . . . . . . . . . . . . . 12.00 (contents only)
Mortgage/Rent . . . . . . . . . . . . . . . . . . . . . . . 560.00
Plumbing/Boiler cover . . . . . . . . . . . . . . . . . . . 0.00
Mortgage life insurance . . . . . . . . . . . . . . . . . . See life insurance
Mortgage payment protection . . . . . . . . . . . . . . . . See life insurance
Life insurance . . . . . . . . . . . . . . . . . . . . . . . 80.60 I think this is mortgage life insurance and payment protection as well
Food and household shopping . . . . . . . . . . . . . . . . 300.00 (this includes cleaning products, nappies and cat food/litter)
Drinks for home . . . . . . . . . . . . . . . . . . . . . . 0.00 (bought from food budget if there's anything left)
Motoring & Public Transport
Petrol/Diesel . . . . . . . . . . . . . . . . . . . . . . . 450.00 (two cars)
Parking . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Car tax . . . . . . . . . . . . . . . . . . . . . . . . . . 10.00 (one car is a company car)
Car insurance . . . . . . . . . . . . . . . . . . . . . . . 35.00
Car maintenance . . . . . . . . . . . . . . . . . . . . . . 0.00 (need to consider this in future for my car as it's starting to get old)
Rail/Buses/Taxis. . . . . . . . . . . . . . . . . . . . . . 0.00
Breakdown cover . . . . . . . . . . . . . . . . . . . . . . 0.00 (provided as part of my insurance)
Debt Repayments
Credit card repayments. . . . . . . . . . . . . . . . . . . 230.00 (would like to up this to get the debt down asap)
Hire purchase repayments. . . . . . . . . . . . . . . . . . 0.00
Personal loan repayments. . . . . . . . . . . . . . . . . . 320.00 (2.5 years left to run) and 200.00 (attached to mortgage)
Car loan repayments . . . . . . . . . . . . . . . . . . . . 0.00
Savings & Investments
Pension payments. . . . . . . . . . . . . . . . . . . . . . 0.00
Buying shares . . . . . . . . . . . . . . . . . . . . . . . 25.00
Investments . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Cash ISAs . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Lump sum saving . . . . . . . . . . . . . . . . . . . . . . 0.00
Regular saving. . . . . . . . . . . . . . . . . . . . . . . 0.00 (tend to use what's left the day before payday to either pop in savings for month-by-month expenses such as birthdays etc. or pay additionally off a credit card)
Family
Pet food. . . . . . . . . . . . . . . . . . . . . . . . . . accounted for in food budget
School trips. . . . . . . . . . . . . . . . . . . . . . . . 0.00
School meals. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Pocket money. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Nappies/Baby extras . . . . . . . . . . . . . . . . . . . . accounted for in food budget
Laundry/Dry cleaning. . . . . . . . . . . . . . . . . . . . 0.00
Children's travel . . . . . . . . . . . . . . . . . . . . . 0.00
Baby-sitting. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Childcare/Playgroups. . . . . . . . . . . . . . . . . . . . 356.00 (nursery 1.5 days a week and one group a week) nursery covered by childcare vouchers
Pet insurance . . . . . . . . . . . . . . . . . . . . . . . 24.00 (two cats - can't change provider for one as he has a pre-existing condition)
Travel insurance. . . . . . . . . . . . . . . . . . . . . . 0.00
Entertainment
Satellite/Digital TV. . . . . . . . . . . . . . . . . . . . 85.00 (This is for TV, broadband and phone, though once we move we will only have the TV aspect)
Family days out . . . . . . . . . . . . . . . . . . . . . . 0.00
Cinema/Theatre trips. . . . . . . . . . . . . . . . . . . . 0.00
Books/Music/Films/Computers . . . . . . . . . . . . . . . . 0.00
Big days out. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Shopping for fun. . . . . . . . . . . . . . . . . . . . . . 0.00
Pet costs . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Hobbies . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
IT/Computing (antivirus, etc) . . . . . . . . . . . . . . . 0.00
DVD rental. . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Drinking out. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Eating out. . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Clothes, Health & Beauty
Complimentary therapies . . . . . . . . . . . . . . . . . . 0.00
Optical bills . . . . . . . . . . . . . . . . . . . . . . . 0.00
Haircuts. . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Dentistry . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Beauty treatments . . . . . . . . . . . . . . . . . . . . . 0.00
Healthcare cash plans . . . . . . . . . . . . . . . . . . . 0.00
Dental insurance. . . . . . . . . . . . . . . . . . . . . . 15.00 (provided through my employer, covers me and hubby)
Private medical insurance . . . . . . . . . . . . . . . . . 0.00
Fitness/Sports/Gym. . . . . . . . . . . . . . . . . . . . . 0.00
Work clothes. . . . . . . . . . . . . . . . . . . . . . . . 0.00
New children's clothes. . . . . . . . . . . . . . . . . . . 20.00
New clothes . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Education & Courses
University tuition fees . . . . . . . . . . . . . . . . . . 0.00
School fees . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Your courses. . . . . . . . . . . . . . . . . . . . . . . . 0.00
Big One-Offs
Funeral expenses. . . . . . . . . . . . . . . . . . . . . . 0.00
Wedding expenses. . . . . . . . . . . . . . . . . . . . . . 0.00
Sofa/Kitchen/TV . . . . . . . . . . . . . . . . . . . . . . 0.00
Birthdays . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Winter holiday. . . . . . . . . . . . . . . . . . . . . . . 0.00
Summer holiday. . . . . . . . . . . . . . . . . . . . . . . 0.00
Christmas . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Odds & Sods
Newspapers and magazines. . . . . . . . . . . . . . . . . . 0.00
Tax & NI Provisions (self-employed only). . . . . . . . . . 0.00
Regular charity donations . . . . . . . . . . . . . . . . . 9.00 per quarter - could cut this but would prefer not to
Meals at work . . . . . . . . . . . . . . . . . . . . . . . 0.00
Smokes. . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00
Coffees/Sandwiches/Snacks . . . . . . . . . . . . . . . . . 0.00
Total monthly income. . . . . . . . . . . . . . . . . . . . 2480.00
Total monthly expenses. . . . . . . . . . . . . . . . . . . 2330.00
So as you can see there's very little left for fun etc. and if a big bill comes along we are up the creek!
Once we have moved to Dad's we'll pay him the cost of his loss of single person council tax, plus however much his utilities increase. We'll still have the mortgage to pay but will be renting the flat out so hopefully the rent will cover that, we are taking the Sky TV with us (Dad lives in a village in the middle of nowhere so we'll use that as our primary source of entertainment via Sky Movies). We'll lose the following expenses : contents insurance, council tax, phone, broadband
Thanks in advance!
0
Comments
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Sky unlimited BB+Phone bundle & either Netflix or Lovefilm would be cheaper than Sky TV.
Phew! your fuel costs for both cars are high. Surely the company car has it's fuel paid for by the company ?. If not, then not worth having the company car, but using your own and getting the company to reimburse you at the standard rate (saves on the extra Tax you pay on company cars as well).
Do you need to buy shares each month ?.
You are in a flat, but no mention of maint. charges, or are they in with your mortgage. ?.
Btw your mortgage company does know you intend to rent your flat out don't they ?.Never Knowingly Understood.
Member #1 of £1,000 challenge - £13.74/ £1000 (that's 1.374%)
3-6 month EF £0/£3600 (that's 0 days worth)0 -
Sky unlimited BB+Phone bundle & either Netflix or Lovefilm would be cheaper than Sky TV.
Thanks for this - it's in hubby's name so he is calling them on Tuesday to find out what our options are and what will be cheapest to do.
Phew! your fuel costs for both cars are high. Surely the company car has it's fuel paid for by the company ?. If not, then not worth having the company car, but using your own and getting the company to reimburse you at the standard rate (saves on the extra Tax you pay on company cars as well).
My fuel is £125 and the remainder is my husband's for the company car. He can claim back up to £50 from his company, the rest he has to pay for himself.
Do you need to buy shares each month ?.
I don't but would like to keep this up as I've done it for four years and the first lot are just starting to mature, I see this as my savings plan as if I put money in my savings account I just spend it.
You are in a flat, but no mention of maint. charges, or are they in with your mortgage. ?.
Maintenance charge is £700 annually, payable in Sept/Oct and this always coincides with a bonus my husband gets so we don't need to find this from our monthly budget. No ground rent payable as we extended the lease 2 years ago.
Btw your mortgage company does know you intend to rent your flat out don't they ?
They do indeed - that's a whole other story, we have to pay them £750 a year (!!!) for the priviledge, but needs must. We have another child on the way so have to rent the flat out and rent a small house to accommodate our growing family (currently the two of us and our 20mth old daughter in a one bed flat). Luckily my dad is putting us up until January so we can get a maternity fund going to supplement my maternity pay and reduce our debts.0 -
OP, go with Freesat. Similar to Sky but without the subscription! You just need to pay the cost of the box.
I'd ignore the Virgin thread as the last thing you need is to tie yourself into another contract....DEBT FREE AND PROUD
'Better to remain silent and be thought a fool than to speak out and remove all doubt'0 -
VirginM- you have typed the same message over and over again. I would call this 'spamming'.
Pack it in.
Reported.DEBT FREE AND PROUD'Better to remain silent and be thought a fool than to speak out and remove all doubt'0 -
A few more comments in purple. Good luck.itstopsnow wrote: »Mobile phones . . . . . . . . . . . . . . . . . . . . . . . 55.00 (two contracts)
You could probably reduce this when the contracts are up by going SIM only or PAYG
Home insurance. . . . . . . . . . . . . . . . . . . . . . . 12.00 (contents only)
Your mortgage will insist on building insurance - I assume that is covered somewhere?
Life insurance . . . . . . . . . . . . . . . . . . . . . . . 80.60 I think this is mortgage life insurance and payment protection as well
Find out what it covers - and shop around. Insurance bought at the same time as mortgages is often more expensive.
Food and household shopping . . . . . . . . . . . . . . . . 300.00 (this includes cleaning products, nappies and cat food/litter)
This is not outrageously high, but it is not low either. I would want to cut this down to give more leeway elsewhere.
But a banker, engaged at enormous expense,Had the whole of their cash in his care.
Lewis Carroll0 -
I'd suggest redoing the SOA, using the template on this site.
It'll maker it easier for the members to dissect and analyse.0 -
Are the two cats really necessary? While I appreciate that you may be attached to them, perhaps you might consider finding them a loving new home and save yourselves approximately £50 each month with not having to pay pet insurance and their food and litter.You may question anything I say. Just be polite, otherwise you go straight on to my Ignore List, which funds a good old fashioned knees-up every Xmas. Cheers;)0
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Stop buying shares and get your debts down; you're more than likely being charged more in interest than what you're earning by investing. Also, I don't think you can afford to give to charity at the moment - can always renew this later once you've paid off your debts.
Do you have the bare minimum TV, broadband and phone package? If not, might be worth seeing if you can save anything there.
Can you get the two contract phones down at all? Are they still in contract? If not, Giffgaff charges £10 a month for 500 minutes, unlimited texts and 1GB internet.
That fuel bill is massive. Have you looked into whether public transport would be cheaper/possible? Is all of that driving necessary?
Nothing for Christmas? An SoA only works if you're honest and ruthless about your expenditure. Can you just confirm that you're not going to spend anything at Christmas?
How many adults and children in the household?What will your verse be?
R.I.P Robin Williams.0
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