new here, help and advice, SOA

pearlsasinger

not really to be honest, i think sometimes it might be more than that too. i recently moved further away from my work but my sons bus fare to school used to be £80 a month

Moneymash

A more economical car? Tyre pressure ok, no unnecessary items left in the boot, no roof rack, no air con, find a cheaper petrol station, car share?

AlexLK

pearlsasinger wrote: »

hiya thanks for all your replies, sorry havent come back sooner.
a few points to explain
chb is included in my income, all lumped together.
water is included in council tax,
mobile phones are for 4 lines,
internet is included in home phone line and groceries im trying to keep to a minimum and my son eats dinner at my parents

Water is included with your council tax?! I've never heard that one before.
Why do you need 4 mobile phones?
How on earth can you feed yourself properly for £120 per month?

Some other points:
Can you really get yours and your child's hair cut for £5 per month?
What is the £100 for entertainment spent on?
£15 per month for a bank account, why?

Tixy

Regarding your petrol costs, even if the mileage cannot be reduced - it might be worth looking at this article to see if you can make any reductions, even if small.
http://www.moneysavingexpert.com/travel/cheaper-fuel

Are all the phones in contract? can you cancel any?

Are you getting all the benefits you are entitled to?

AlexLK

Pearlsasinger's petrol bill sounds fairly cheap to me.

pearlsasinger

AlexLK wrote: »

Water is included with your council tax?! I've never heard that one before.
Why do you need 4 mobile phones?
How on earth can you feed yourself properly for £120 per month?

Some other points:
Can you really get yours and your child's hair cut for £5 per month?
What is the £100 for entertainment spent on?
£15 per month for a bank account, why?

i dont have 4 mobiles, one is my parents, one is my sons, one is mine and there's another one/

water is with my council tax as im in scotland,
entertainment isnt particularly spent on anything but i find when i dont have a budget for it, i spend willy nilly.

bank account is for breakdown cover, mobile phone and travel ins. i make use of it

AlexLK

pearlsasinger wrote: »

i dont have 4 mobiles, one is my parents, one is my sons, one is mine and there's another one/

water is with my council tax as im in scotland,
entertainment isnt particularly spent on anything but i find when i dont have a budget for it, i spend willy nilly.

bank account is for breakdown cover, mobile phone and travel ins. i make use of it

- Parents should be paying you for their tariff.
- OK, I didn't realise it was different up there.
- Fair enough but could you perhaps cut it down to £75 instead of £100?
- You may be able to get breakdown, mobile phone and travel insurance cheaper separately, worth investigating, maybe?

pearlsasinger

thanks for your replies Alex. ive been following your thread too with interest, hope you're making progress.

My parents is only a sim only for ` fiver a month, and my mum paid for my sons BB camp this year for £150 so this was the least i could do.

AlexLK

pearlsasinger wrote: »

thanks for your replies Alex. ive been following your thread too with interest, hope you're making progress.

My parents is only a sim only for ` fiver a month, and my mum paid for my sons BB camp this year for £150 so this was the least i could do.

I appear to be making progress and have a diary up too now ... (Mr and Mrs K's...) trying to promote it so I get replies as this seems to be encouraging me:o. Or perhaps I'm just an attention w...e :rotfl:

Probably look like a massive hypocrite giving advice on other people's finances, sorry!:o

The phone stuff sounds fair enough.

HappyMJ

pearlsasinger wrote: »

thanks for your replies Alex. ive been following your thread too with interest, hope you're making progress.

My parents is only a sim only for ` fiver a month, and my mum paid for my sons BB camp this year for £150 so this was the least i could do.

Get your parents an OVIVO SIM. It'll cost you £15 once only but it has no ongoing charges at all. I'm pretty sure the allowances on the £0 plan of Ovivo would be about the same as the £5 plan. Check it though...