SOA. Childcare fees and want to save for a house!

chelseablue

midnight_express wrote: »

Mobiles seem very high.

Mines £33 a month. My contract isnt up until next year. I wont need a new handset so can shop around for a good deal or go PAYG

Asked my partner if he'd switch to PAYG, he said no :mad:

chelseablue

Elasticmoney wrote: »

The OP has stated 2 cars so assume these figures cover both.

Yes its for 2 cars.

My insurance is only about £25 a month as Ive been driving since I was 18 and have over 10 years no claims

My partner's is £85 a month as he only passed his test last year. His insurance is due for renewal in March so will be shopping around to reduce it by quite a bit hopefully.

chelseablue

Elasticmoney wrote: »

No contents insurance?
No provision for medical expenses?
No budget for entertainment?
No emergency fund?
No child related expenses - clothes,toys etc?
No holidays?

Touch wood Ive not been to the drs in years so dont really have medical expenses

Out of the £1k left over I try and save £800 and keep £200 for going out etc

The emergency fund I can take money out of my current savings

Wont be going on holiday this year :-/

Bobarella

chelseablue wrote: »

Yes its for 2 cars.

My insurance is only about £25 a month as Ive been driving since I was 18 and have over 10 years no claims

My partner's is £85 a month as he only passed his test last year. His insurance is due for renewal in March so will be shopping around to reduce it by quite a bit hopefully.

Sorry, I missed that. But the question remains, could you do without 1 car at least?

chelseablue

Bobarella wrote: »

Sorry, I missed that. But the question remains, could you do without 1 car at least?

I need my car to drop my son off at his nursery, then get to work for 8:30am then collect him in the evening. So I def need a car.

My partner starts work at 07:30am so it is very convenient for him to have one too.

If we were totally skint then I wouldnt mind sharing, not sure he'd agree. :rotfl:Plus he'd always be asking for lifts

ReadingTim

Suggest Sky/cable TV could be chopped - there's plenty of stuff on freeview.

chelseablue

I wouldn't mind getting rid of it in July when the contracts up.

The other half is a big football fan so it's cheaper to have sky sports than it is for him to watch games up the pub

chazsucks

Hmm not sure I have much to add from previous comments - if it was me I'd try and cut down on the mobile phone bill, the satellite tv, the groceries, and the car costs (probably share a car).

How old is your son? Is it from 2 they get free 15hrs childcare now or still 3?

If you're saving £800 per month already that's awesome, but I'd still try to shave off some of the extra amounts if you're serious about saving up for a house

chelseablue

He's 9 months old, he won't get any free hours until he's 3 years.

Been looking at mobile tarrifs tonight. When my contracts up I'll keep the handset and get a sim only deal. Could save £20 a month or more

chazsucks

That's a good idea! I'm on a sim only contract and it's cheaper than when I was on PAYG!