Newbie here! SOA added

bekkki1

When i was getting paid weekly, i divided all my bills that went out monthly by 4 and put that set money away each week into another account where my DDs came out

Then i knew what i had left was for food, spending, saving - or whatever i wanted

Also some months with 5 weeks i would have extra in the DD acc and could add that to my savings

HTH

melly84

bekkki1 wrote: »

When i was getting paid weekly, i divided all my bills that went out monthly by 4 and put that set money away each week into another account where my DDs came out

Then i knew what i had left was for food, spending, saving - or whatever i wanted

Also some months with 5 weeks i would have extra in the DD acc and could add that to my savings

HTH

ooh i'll try that, i phoned up and applied for an extra bank account for dd's this morning so should hear by the end of the week, it would be much easier, coz i'd make all my bills monthly then, gonna have a little work out now. thnx x

elantan

yep i would take a wee note book out with you and write everything down add it up at the end if the week and see if there are any savings you can make 1pkt of crisps/bar of chocolate a day mounts up...you could add it to a spread sheet eager learner has a good one

dylansmum

melly84 wrote: »

he will be funded from september, so will reduce the childcare costs. he's in private nursery 4 days a week and will go to the school one for one day, i need him in the private one as i need to work from 8am.
he is potty trained but not at night, he's been potty trained nearly a year, but he still goes to bed with his bottle

I don't know where you live but have you been to Sure Start - yes, a bit of a pain in some ways, but children's centres are open from 7.30 am - in your situation you can push for a place. They'd also help you look at all options including child-minder before school: though I know how tricky all this stuff can be, believe me!

School: are there any with extended hours even if you have to travel a wee bit on the bus?

Nappies - sorry! Bottle - aw, sweet.

melly84

dylansmum wrote: »

I don't know where you live but have you been to Sure Start - yes, a bit of a pain in some ways, but children's centres are open from 7.30 am - in your situation you can push for a place. They'd also help you look at all options including child-minder before school: though I know how tricky all this stuff can be, believe me!

School: are there any with extended hours even if you have to travel a wee bit on the bus?

Nappies - sorry! Bottle - aw, sweet.

The surestart one doesnt open till 8am, my son was in there but i removed him as it was crap.
i'm happy with the nursery he is in, i get help from the tax credits so only pay £103 out of my earned money a month towards it.
he's only 3 so most school nurserys only offer 2.5hr sessions which is unpractical, i wouldnt use a childminder either.

melly84

albertross wrote: »

£1092 on phones and BB looks a little high. Have you looked for better deals?

Water x 2 ??

TV LICENCE - 26 (if this is 6 payments/pa, then it's really only half that for the purpose of a SOA)

£1092
I have 2 boxes with the biggest package, talk unlimited and broadband, phoned up and got it down to £60pm.
i suppose i could downgrade my telly package, i never thought much aout it coz i have always used my child benefit to pay the phone.

yes we have 2 waters down here :rolleyes:

i am on the cash easy entry scheme, paying £6pw, but i've worked everything out monthyl for here.

melly84

Oh and i have 2 phones, one for work which is vodafone so i spend £5 a week and get free calls at the weekends, then i have an o2 one which i spend £10pm and get 300 free texts plus a few other treats and i get to use the £10 credit too.

melly84

albertross wrote: »

Still don't understand the 2 waters..:rolleyes:

1092 is how much you are spending on phones and BB / year. One sixth of your earnings.

2 water rates, one for good waer and one for sweage, i live in sussex, i wasnt doing the rolleyes at you, i was doing it because it's stupid to have 2 water rates.

melly84

albertross wrote: »

Still don't understand the 2 waters..:rolleyes:

1092 is how much you are spending on phones and BB / year. One sixth of your earnings. If you want to make savings, then you need to look at the need for 2 mobiles, and TV packages. You can get sky/BB/phone packages for much less than that.

true, i suppose i could get rid of the upstairs box, but then that would mean having to find space downstairs for my computer, space which i dont have, i need the broadband as i sometimes do on call which means i need to have access to the computer and internet.
i'm with virgin, cant get a bt line or sky so thats out of the question.

melly84

anyways, aside form the cutting back, which i'm definately planning to do, first thing i relly need help with is how to sort these debts out?
do i call or write letters?
is there a thread which will guide me?
or a website?