Short term, cash flow issue!

AngelPie78

getmore4less wrote: »

£100 min scrap value round our way on the radio

As well as the easy to budget stuff cars are probably the biggest for easy to miss off the budget expences when they start to get old.

A lot less to worry about and far easier to manage with travel passes and the odd taxi, with hire for the bigger trips if they become necessary

thanks lovely I think you're right but i'll shop around to make sure I'm not getting ripped off i live right next to a train station with a [STRIKE]great[/STRIKE] bus route so should be easy to get around with that and lifts from my mum and best friend

Getting a windfall tomorrow so I think I'm sorted for the next few months now, with some extreme penny pinching x

AngelPie78

LittleMissGiggles123 wrote: »

If this company you have found provide a budgeting service, have you asked if they offer advice & training too so that you could eventually take it back from them. I'm assuming they charge a fee? If you can eventually take it back & budget yourself, you save having to pay that fee.

Sounds like you are a bit more positive now anyway. Good news about your landlord accepting the payments a little later, certainly helps you out a lot!

Good luck

x

thanks so much, the fee is only £1 a week, and they don't offer any help in taking it back yourself BUT they are really flexible in what I do with my money so they can still manage to bigger/important payments and me take on the little ones as and when if that makes sense?

Thanks for your help x

When_the_going_gets_tough

Angelpie - with regard to your water bill - three things - check with your company - you may not need to pay anything until April now. Second, if you do not have a meter look into this - it might reduce your bills. Third some water companies have funds to offer lower tarrifs to people in financial hardship - again worth checking. Round here the application needs to go through the CAB. And just to second what others have said - priority bills first always ie rent food heat and light. Good luck. I think its much harder to budget on student loans because the money comes in lumps. Perhaps worth working out your essential bills when the next student loan comes in and making a plan to meet essentials? Just a thought.

AngelPie78

When_the_going_gets_tough wrote: »

Angelpie - with regard to your water bill - three things - check with your company - you may not need to pay anything until April now. Second, if you do not have a meter look into this - it might reduce your bills. Third some water companies have funds to offer lower tarrifs to people in financial hardship - again worth checking. Round here the application needs to go through the CAB. And just to second what others have said - priority bills first always ie rent food heat and light. Good luck. I think its much harder to budget on student loans because the money comes in lumps. Perhaps worth working out your essential bills when the next student loan comes in and making a plan to meet essentials? Just a thought.

Thanks very much I'll check out the water things tomorrow.

Yep, student loans are hard when you have a family to manage, and that's exactly what I'm adopting in terms of a plan x

getmore4less

AngelPie78 wrote: »

thanks lovely I think you're right but i'll shop around to make sure I'm not getting ripped off i live right next to a train station with a [STRIKE]great[/STRIKE] bus route so should be easy to get around with that and lifts from my mum and best friend

Getting a windfall tomorrow so I think I'm sorted for the next few months now, with some extreme penny pinching x

Don't touch it it need to go into the pot for the people that are helping.

woodformoretrees

AngelPie,
What a rough old time you've had of it today --- I think maybe people misunderstood what you were looking for. It sounds like you've found it and I hope it works out for you. I'm absolutely appalling at budgeting, and so is my husband and we both now have managed accounts. I think a lot of people see it as cheating if you don't do it yourself.....I don't. I see it as a genuine answer to a genuine problem.
Maybe a new business idea for you when you finish Uni

AngelPie78

woodformoretrees wrote: »

AngelPie,
What a rough old time you've had of it today --- I think maybe people misunderstood what you were looking for. It sounds like you've found it and I hope it works out for you. I'm absolutely appalling at budgeting, and so is my husband and we both now have managed accounts. I think a lot of people see it as cheating if you don't do it yourself.....I don't. I see it as a genuine answer to a genuine problem.
Maybe a new business idea for you when you finish Uni

Thanks for your support I was thinking exactly the same thing for a business idea! x