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Feel so alone
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Definitely consider getting rid of sky tv, we haven't had it for a while now, we have freeview now and don't miss Sky. Now TV is also good.
Have you looked at other suppliers for your phone and TV? We are considering Plusnet at the momentCo-op loan: £2672.38. :eek: £2886.64 / £5559.02
HF's B'card: £2468.00 0% until November '17 _pale_ £255 / £2524.00
HF's FD Loan: £5467.78. :eek: £918.72 / £6386.52
Total: £5376.62 / £15814.78 33.99%
http://forums.moneysavingexpert.com/showthread.php?t=5344322
Emergency fund - £53.24 / £500 No. 108 in PYDOXMAS160 -
Newlywed_Saving_Ninja wrote: »Definitely consider getting rid of sky tv, we haven't had it for a while now, we have freeview now and don't miss Sky. Now TV is also good.
Have you looked at other suppliers for your phone and TV? We are considering Plusnet at the moment
Thank you
I'm feeling a little better since I first posted and joined the sight there's so much fab information and e Euronext has been so kind and helpful thank you.
Yes definitely considering getting rid, I'm tied in till May but will cancel sky tv then and shop around for a cheaper broadband provider.0 -
Oh! And also I would pop by the Old Style Forum, they have loads of money saving tips for food shopping, ( and other bits) Ive managed to reduce our weekly shopping to 50 gbp per week for a family of four:j
I buy pressies on ebay or amazon these days, I found that every time I went shopping for someone else's presents I ended up buying sthg for myself
Also we now have a spreadsheet for expenses where I keep truck of every pound we spend , we always use cash and that alone has made a big difference on our expenditure
Happy journey!0 -
bilbodreams wrote: »Oh! And also I would pop by the Old Style Forum, they have loads of money saving tips for food shopping, ( and other bits) Ive managed to reduce our weekly shopping to 50 gbp per week for a family of four:j
I buy pressies on ebay or amazon these days, I found that every time I went shopping for someone else's presents I ended up buying sthg for myself
Also we now have a spreadsheet for expenses where I keep truck of every pound we spend , we always use cash and that alone has made a big difference on our expenditure
Happy journey!
That's a good idea, I have made a spreadsheet for my SOA's love a good spreadsheet.
I will pop over to those boards thanks, need some help cutting down on my weekly shopping bill for sure0 -
Okay so SOA TIME:
Not sure if I'm doing this right but here goes.....
Income
Monthly salary £1480.00
Child Benefit. £80.00
Working Tax. £140.00 I would check this is correct, I take home more than you and get more child tax credit that this
Maintainance. £100.00
TOTAL. £1,800.00
Outgoings
Mortgage £234.00
food/toiletries/
cleaning products £280.00can you cut this back at all, shop cheaper ?
Council Tax. £81.00is this over 12 months or the standard 10?
Gas & electric. £68.00
Christmas. £50.00
Sky. £36.00
Car Insurance. £30.00
Petrol. £30.00
Birthdays. £20.00
Mobile. £18.00
Water bill. £17.00
Halifax ultimate
Reward account. £15.00do you actually benefit from this, if not swap to a free account
School snack money. £15.00
Buildings & contents
Insurance. £13.00
TV license. £13.00
Sons saving account. £10.00
MOT. £5.00
TOTAL. £935.00
Debt outgoings
Halifax loan. £269.00
Barclay Card. £132.00
Dad. £100.00
Tesco card. £90.00
MBNA card. £25.00
TOTAL OUTGOINGS. £1,526.00
TOTAL REMAINING £274.00
I also have my next account currently sitting at £250.00 but hopefully once the returned clothes are credited to my account + £120.00 out of my pot of dreams that will be paid and closed by next week.
Very I have £1,035.00 buy now pay laters so I'm not paying interest but also not paying a monthly direct debit on that one so not sure whether to just chip away at it or set up a direct debit and include it in my outgoings.
Anyway there's my SOA's I have probably missed something major off as I'm new to all this, but please be gentle with me it's taken a lot for me to share that on here, thank you
Morning, please see my comments in red above, just a few ideas.
With very, I would seriously try and start to chip away it, the APR will be bonkers if not cleared by the time BNPL is finished
x0 -
Okay so SOA TIME:
Not sure if I'm doing this right but here goes.....
Income
Monthly salary £1480.00
Child Benefit. £80.00
Working Tax. £140.00
Maintainance. £100.00
TOTAL. £1,800.00
Outgoings
Mortgage £234.00
food/toiletries/
cleaning products £280.00 Groceries always seems to be the hardest one for everybody, but see if you can cut this to £250 to start with as this will be an extra £30 towards a debt
Council Tax. £81.00 See if you can spread over 12 months instead of 10
Gas & electric. £68.00 Try and cut this back, switch things off, think about changing supplier
Christmas. £50.00
Sky. £36.00 If you can cancel this, I highly recommend Netflix which can be as low as £5 per month or the package we have is £7.49 per month
Car Insurance. £30.00
Petrol. £30.00
Birthdays. £20.00
Mobile. £18.00
Water bill. £17.00
Halifax ultimate
Reward account. £15.00 If you're not benefitting from this, downgrade/cancel it
School snack money. £15.00
Buildings & contents
Insurance. £13.00
TV license. £13.00
Sons saving account. £10.00
MOT. £5.00
TOTAL. £935.00
Debt outgoings
Halifax loan. £269.00
Barclay Card. £132.00
Dad. £100.00
Tesco card. £90.00
MBNA card. £25.00
TOTAL OUTGOINGS. £1,526.00
TOTAL REMAINING £274.00
I also have my next account currently sitting at £250.00 but hopefully once the returned clothes are credited to my account + £120.00 out of my pot of dreams that will be paid and closed by next week.
Very I have £1,035.00 buy now pay laters so I'm not paying interest but also not paying a monthly direct debit on that one so not sure whether to just chip away at it or set up a direct debit and include it in my outgoings.
Anyway there's my SOA's I have probably missed something major off as I'm new to all this, but please be gentle with me it's taken a lot for me to share that on here, thank you
I've put some comments above.0 -
Also I'd suggest a spending diary because i'm guessing you actually don't have money left over at the end of the month so you need to find out where the money is going. It could be the odd magazine at the corner shop, a chocolate bar at lunch time, a top up shop that you pay for in cash so forgot about it. It all adds up quickly and is very surprising how easily money is spent without any clue where it has gone. I bet most of us on here can say that at one point or another we've had say £20 cash in our pocket and by the end of the day have just a few ££'s left and can't actually remember where most of it was spent.0
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Okay so SOA TIME:
Not sure if I'm doing this right but here goes.....
Income
Monthly salary £1480.00
Child Benefit. £80.00
Working Tax. £140.00
Maintainance. £100.00
TOTAL. £1,800.00
Outgoings
Mortgage £234.00
food/toiletries/
cleaning products £280.00 Groceries always seems to be the hardest one for everybody, but see if you can cut this to £250 to start with as this will be an extra £30 towards a debt yes this is a good point and I think I need to work on cutting down here. I have to admit I'm terrible at budgeting for a shop but I'm going to work really hard.
Council Tax. £81.00 See if you can spread over 12 months instead of 10 good idea I didn't know I could do this.
Gas & electric. £68.00 Try and cut this back, switch things off, think about changing supplier I've looked into changin supplier but I seem to be on a pretty cheap tariff so going to stick with them but yes you're right definitley need to reduce gas/ electric consumption. I'm going to try and put off usin the central heating as long as possible, cardigans, blankets and hot water bottles for now.
Christmas. £50.00
Sky. £36.00 If you can cancel this, I highly recommend Netflix which can be as low as £5 per month or the package we have is £7.49 per month I'm tied in until May but when I can cancel I will
Car Insurance. £30.00
Petrol. £30.00
Birthdays. £20.00
Mobile. £18.00
Water bill. £17.00
Halifax ultimate
Reward account. £15.00 If you're not benefitting from this, downgrade/cancel it I was thinking about this last night, however I'm a little reluctant to cancel as I get AA which I've used a few times and since my car isn't amazing I could do with keeping it, I've got mobile insurance through them and holiday insurance which I've used 3 times. I am meant to get £5 back every month but previously since I was always in my overdraft I never got it but I'm out of it now and plan to keep out of it.
School snack money. £15.00
Buildings & contents
Insurance. £13.00
TV license. £13.00
Sons saving account. £10.00
MOT. £5.00
TOTAL. £935.00
Debt outgoings
Halifax loan. £269.00
Barclay Card. £132.00
Dad. £100.00
Tesco card. £90.00
MBNA card. £25.00
TOTAL OUTGOINGS. £1,526.00
TOTAL REMAINING £274.00
I also have my next account currently sitting at £250.00 but hopefully once the returned clothes are credited to my account + £120.00 out of my pot of dreams that will be paid and closed by next week.
Very I have £1,035.00 buy now pay laters so I'm not paying interest but also not paying a monthly direct debit on that one so not sure whether to just chip away at it or set up a direct debit and include it in my outgoings.
Anyway there's my SOA's I have probably missed something major off as I'm new to all this, but please be gentle with me it's taken a lot for me to share that on here, thank you
Originally posted by Popstess
Thanks so much for your tips and advice 0 -
“
Okay so SOA TIME:
Not sure if I'm doing this right but here goes.....
Income
Monthly salary £1480.00
Child Benefit. £80.00
Working Tax. £140.00 I would check this is correct, I take home more than you and get more child tax credit that this oh really, how do I check? Perhaps it's because I only have one child? Or because he's older? (12)
Maintainance. £100.00
TOTAL. £1,800.00
Outgoings
Mortgage £234.00
food/toiletries/
cleaning products £280.00can you cut this back at all, shop cheaper ? def going to try and cut down here
Council Tax. £81.00is this over 12 months or the standard 10? 10
Gas & electric. £68.00
Christmas. £50.00
Sky. £36.00
Car Insurance. £30.00
Petrol. £30.00
Birthdays. £20.00
Mobile. £18.00
Water bill. £17.00
Halifax ultimate
Reward account. £15.00do you actually benefit from this, if not swap to a free account see post above I do feel like I benefit from it
School snack money. £15.00
Buildings & contents
Insurance. £13.00
TV license. £13.00
Sons saving account. £10.00
MOT. £5.00
TOTAL. £935.00
Debt outgoings
Halifax loan. £269.00
Barclay Card. £132.00
Dad. £100.00
Tesco card. £90.00
MBNA card. £25.00
TOTAL OUTGOINGS. £1,526.00
TOTAL REMAINING £274.00
I also have my next account currently sitting at £250.00 but hopefully once the returned clothes are credited to my account + £120.00 out of my pot of dreams that will be paid and closed by next week.
Very I have £1,035.00 buy now pay laters so I'm not paying interest but also not paying a monthly direct debit on that one so not sure whether to just chip away at it or set up a direct debit and include it in my outgoings.
Anyway there's my SOA's I have probably missed something major off as I'm new to all this, but please be gentle with me it's taken a lot for me to share that on here, thank you
Originally posted by Popstess
”
Morning, please see my comments in red above, just a few ideas.
With very, I would seriously try and start to chip away it, the APR will be bonkers if not cleared by the time BNPL is finished
Thanks so much for the tips and advice I think you're right about very need to start chipping away and make sure each bnpl gets paid before the interest starts.0 -
MoneyMission2015 wrote: »Also I'd suggest a spending diary because i'm guessing you actually don't have money left over at the end of the month so you need to find out where the money is going. It could be the odd magazine at the corner shop, a chocolate bar at lunch time, a top up shop that you pay for in cash so forgot about it. It all adds up quickly and is very surprising how easily money is spent without any clue where it has gone. I bet most of us on here can say that at one point or another we've had say £20 cash in our pocket and by the end of the day have just a few ££'s left and can't actually remember where most of it was spent.
No I never have any money left over at the end of the month. I will definitley do the spending diary. My heads spinning with all these changes I need to make and things I need to do.
Thanks so much for all the help0
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