Newly Separated

Mnd

I thought I posted earlier but got lost somewhere.
Sorry I guessed later that the building ins covered contents as well
Regards the power costs, you need to go on uswitch or similar to get your best deal
Finally, don't bother taping (over 60s expression!) any films for later will disappear from your box when you cancel movies..

kindofagilr

Firstly I want to give you gentle hugs, it sounds like you have been through it xxx

I would be ringing $ky/v!rgin if that is who you are with and cancelling the parts you can, even if you don't want to, $ky always ring you/chuck offers at you once you "leave" I have phone, fibre internet all the tv channels except movies and sports for £40 a month instead of £80+

Deffo get a water metre, I know you are scared but you will likely only pay £25 a month on one of them

Home insurance I know this has been mentioned but deffo can get that cheaper, mine is £110 a year

Also life insurance, obv you might have medical reasons its high (I know my brother does) but if not, that is high, me and OH pay £13 between us a month for legal and general

I hope you are ok xxx

tallyhoh

I was under the impression that councils had to offer payment over 12 months now?

Busy_Mee1

I am so sorry you have had such a tough time and I hope you have some support from family and friends.

You don't need me to tell you that your current financial situation is unmanageable and you might just scape the £57.00 you need to balance your SOA by tinkering with your utilities, but you need something a bit more drastic in the long term. Your SOA above only allows you £150 to live on a month ...food, nappies clothing basically everything and that just isn't sustainable.

So I think you need to think about the following options:

1. Get legal advice to secure the financial future for you and your child.
2. Cancel £90 TV/internet package - explain the change in your circumstances, they should be sympathetic.
3. Explore help with childcare - this needs to be a priority. Do you have any family and friends that could help ? Would your Dr give you a sick note because of the stressful situation in the meantime until you can get sorted. This would give you some breathing space.
4. The car loan needs to go - could you sell the car and buy something cheaper out right ? Would you qualify for another 0% credit card to pay the car loan off ?
5. Get a lodger as others have suggested
6. Sell the house and buy something cheaper
7. Cancel Union - approach Union to see if they have access to charitable fund to help you through this tough time.

All this is tough stuff I know but you need a plan that is sustainable.

The very best of luck x

sammyjammy

If you voluntarily move to a water meter you have the chance to move back to rateable value charges within a 12 month period. Unless you are in the South West the chances are you will save half of what you are paying now. A water meter automatically gives readings to the provider so no question of building up debt.

Honeysucklelou2

How old is your LO? When your child reaches the age of 3 you should get 30 hours of free childcare.

LMG1305

Our house is a 4 bed detached & our buildings & contents insurance is only £22 per month. I pay annually but save that monthly amount ready for next years renewal.

Also gas & electric, we are a family of 4 and pay £65 per month in total.

Breo

Mnd wrote: »

I thought I posted earlier but got lost somewhere.
Sorry I guessed later that the building ins covered contents as well
Regards the power costs, you need to go on uswitch or similar to get your best deal
Finally, don't bother taping (over 60s expression!) any films for later will disappear from your box when you cancel movies..

It was excessive anyway it turns out! Managed to cut it down by 3/4 by reviewing how much contents cover I needed. Turns out I had loads LOL

Thanks for the tip on the films :-)

Breo

kindofagilr wrote: »

Firstly I want to give you gentle hugs, it sounds like you have been through it xxx

I would be ringing $ky/v!rgin if that is who you are with and cancelling the parts you can, even if you don't want to, $ky always ring you/chuck offers at you once you "leave" I have phone, fibre internet all the tv channels except movies and sports for £40 a month instead of £80+

Deffo get a water metre, I know you are scared but you will likely only pay £25 a month on one of them

Home insurance I know this has been mentioned but deffo can get that cheaper, mine is £110 a year

Also life insurance, obv you might have medical reasons its high (I know my brother does) but if not, that is high, me and OH pay £13 between us a month for legal and general

I hope you are ok xxx

Thanks - I've had the life insurance for years, and having a look around today I think you are right its too high. I need to have a proper think about what I need, but should be able to shave quite a lot off it.

Breo

tallyhoh wrote: »

I was under the impression that councils had to offer payment over 12 months now?

They claim not - but will research and go back to them if thats so. It would help quite a bit at the moment.