Think we need help please

redux

Do you have metering on the water?

I'm in a different supply area, and I notice people saying your area is expensive, but when the meter was installed here the annual water bill dropped from £700 to £225.

I haven't had a bath for 3 or 4 years, and don't stay too long in the shower.

DODDY

Your right there it's on me, the minimum wage is hopefully just a short term I have supervisor/management experience on my CV but not for this trade will take a year or to but it will be worth it in the long term.Wife always been a grafter we really shouldn't be in this position at our age, I should have winded up a year sooner then I did with hindsight.

Looked at the electric we are fair bit in credit, we pay £89pm but actual use has been around £58pm we changed provider in September I will phone and see if they will drop it a bit, we are all electric but heating is by wood so electric is pretty static.

Emergency fund has been the available balance of the credit card why the wife has been set against trying to balance transfer till after Christmas, she now agreed it's the better option but we lose the emergency fund as it's agreed only if I bin the HSBC.

Think with the benefits thing I can get my head round it, wife dealt with the family allowance side of things.

[Deleted User]

DODDY wrote: »

I will phone and see if they will drop it a bit

Don't just ask if they'll drop it a bit, insist on it, and insist they refund the credit.

DODDY

I just got my balance transfer for my HSBC but the 0% is up Jan 2017.
Wife now wants to throw everything we can at my 4K balance transfer just in case I can't get another one when the Jan comes round. she also wants to keep the council tax on 10 months this year as we've managed this far and want to keep Feb/Mar bill for emergency cash. I can see her point.

But we are still paying 5.5% on the Sainsbury loan and we will have 11K of available credit so would most likely get a balance transfer offer so should we be overpaying this rather than the 0% credit cards. which would be the quickest way to pay this off. wife is going to be working night shifts and I want her off them as soon as possible but I know she wont do thst till this is paid off.

anna_1977

Hi, I know you mentioned that your son pays for his own clothes etc but.... he's at Uni and looking at your income he will received maximum grants from both the government and the Uni direct - probably in the region of £8k a year? Can you not charge £50 per week rent? If he were in halls he'd be looking at at least £120 a week so £50 would be reasonable?
With his loan and grants he's probably getting more tax free a year than you are...
Good luck

DODDY

His business is his business.We can't support him like we did his brother at this point this is the way his mother wants it I wont argue. im not that stupid