Should i get a wonga loan

summer33

rogue999 wrote: »

Hi Summer, just reading your thread - haven't really got much more to add as already lots of great advice given, but with regards to moving schools and new uniforms, our school have a big box of second hand school sweaters that they sell for £1 each - might be worth checking if the school does anything like this.

All the best, you can do it!
xx

Thanks Rogue 999 it is certainly something for me to consider

Thanks

summer33

marliepanda wrote: »

Not necessarily 'quick' incomes but I currently use

Valued Opinions (got £20 Marks and Sparks vouchers so far this year, but you can also get Boots, Amazon, lots of things)

GlobalTestMarket - You have to wait until you hit 1000 points to redeem everything, but I have already got £30 this year and I'm close to another £30 You can also get paypal which is cash, rather than vouchers.

MySurvey - similar to above but you can cash out lower amounts, about £3 so you get it quicker, got £20 so far this year.

New Vista Live - This is stalling a lot at the moment, and you have to wait until you get to £50 to get a cheque, currently stuck on about £25!

PopulusLive - Same as above, currently on £11

Thanks for this, I will certainly look into all of theses.

Appreciate the help

summer33

FireWyrm wrote: »

If you have to choose, make your payment in the following order :

1) Council Tax
2) Water
3) School trip.

Council tax can make your life unnecessarily complicated, water cant cut you off even if they wanted to and school trip can just....well, take a number and get in line.

Your SOA is looking much better though with a healthy amount left over. I really suggest you start thinking about piggy banking which is a method of budgetting which involves literally, putting money in pots for different purposes. Those pots can be virtual (e-savings accounts) or real (jam jars). LLoyds and Natwest both allow piggy banking with lots of sub-accounts but just make sure you dont bank with whomever holds your mortgage because of 'offsetting' where a bank can and sometimes does take money from one account to cover a debt on another.

I have never looked back since I separated my food and fuel into different accounts from the one that pays the bills. I now have a set budget, when it's gone it's gone. Any surplus is then sent to other accounts and so on. No more wastage.

Thanks Firewyrm, yes the bills would deffo be paid in that priority. The school trip was a trip they went on last year, and still paying it to the school. Might reduce this down to maybe £20-£30.

I will also look at the different money pots once in a position to do so...sounds like a plan.

27col

Get your water onto a meter as soon as you can. Even with kids, what you are paying is ridiculously high.

MallyGirl

summer33 wrote: »

Thanks Firewyrm, yes the bills would deffo be paid in that priority. The school trip was a trip they went on last year, and still paying it to the school. Might reduce this down to maybe £20-£30.

I will also look at the different money pots once in a position to do so...sounds like a plan.

Have you spoken to the school about struggling to pay for the trip - many schools have a fund to help with trips for those who can't afford them?

kindofagilr

FireWyrm wrote: »

I have never looked back since I separated my food and fuel into different accounts from the one that pays the bills. I now have a set budget, when it's gone it's gone. Any surplus is then sent to other accounts and so on. No more wastage.

I do this too

It really works. We have our wages and benefits paid into one, then on payday a standing order sends the petrol and food money to another, I take out £60 out of that account on a Wednesday night, then that's the groceries for the week till the following Wednesday, anything left in my purse on the Wednesday from the previous week I tip into my sealed pot which I open end of nov (and hopefully have a nice healthy sum in there lol) xx

changeforbetter

I'm sure others have already said this, but there is one simple answer to your post title.

NO.

Don't do it, it will not make things better, but will make things worse.

[Deleted User]

kindofagilr wrote: »

and just watch Netflix.

There's also DVDs, Blurays, Youtube, "Catchup" TV eg. non-live I-Player, non-live 4OD.

[Deleted User]

summer33 wrote: »

I wouldn't want to change from prepayment to be honest, as when we did receive quarterly bills, is was a big bill to pay at once, and as usual we hadn't budgeted for it.

I'm not on a prepayment meter, but nor am I paying quarterly.

I pay monthly, using PayPoint cards.

When_the_going_gets_tough

Hi Summer you have had lots of advice and I don't want to bombard you but I am worried that you do not have anything for building insurance. My understanding is that if the property is mortgaged you have to have building insurance and will get into a lot of trouble with your mortgage company if you don't. Maybe you have already paid it but can I encourage you to check this bit out sooner rather than later? Good luck with all your plans - I am sure you can find a way through.