Moving out and hope I can afford it all

Red-Squirrel_2

loey93 wrote: »

I haven't been to the dentist for years, If I have a problem with my teeth I'll go then.

All the rest is fine, you will be more than able to manage on your salary. I don't make as much as you and I live alone in my own home. It might be a bit of a learning curve but its totally do-able.

This though, no no no no no!

Take it from somebody who didn't go to the dentist for years (phobia!) and then regretted it more than anything when the toothache hit like a ton of bricks.

Get registered with an NHS dentist. If your teeth are currently fine it will only cost you £20 a year for an annual check up, and it could save you so much worse down the line.

Bass_9

loey93 wrote: »

cakeguts - Yes the landlord accepts dogs, I have triple checked this before putting the application in.

As for losing my job thats highly unlikely and if everyone thought the way you do then everyone will be living a very miserable life. Like I said I have savings and I'm planning on building those savings each month so I don't understand your comments and I think there quite harsh and unnecessary. I asked people for advise not to be spoke to like I'm a child!

As for the car PCP - yes I completely agree its very expensive, but unfortunately I am tied into it. I would love to give it back but I can't do that.

Again, I'm tied into my phone contract until September this year. I will then be getting a sim only contract and keeping my phone. So this will reduce by at least half.

You may think that cakeguts is being harsh but they are just trying to give you a little shake and make you think 'what if x happens?'

It's admirable to live with the mentality of 'you only live your life once' but between all of the fun independence gives you, you still need to pay your bills at the end of the month. It makes sense to have some savings (an emergency fund) behind you before you start renting, you would be glad if you needed them.

Marvel1

suki1964 wrote: »

I'm back again

Good to see that you are looking at the pet insurance, that's also very cheap for worming and flea treatment

The self employed boyfriend, this is going to be a problem, sorry

£1000 a month, is that really enough for him to pay his share of the bills and day to day living, and leave him with spending money?

I have about £1300 a month, living on my own, no splitting bills, I cope just fine.

Marvel1

Red-Squirrel wrote: »

All the rest is fine, you will be more than able to manage on your salary. I don't make as much as you and I live alone in my own home. It might be a bit of a learning curve but its totally do-able.

This though, no no no no no!

Take it from somebody who didn't go to the dentist for years (phobia!) and then regretted it more than anything when the toothache hit like a ton of bricks.

Get registered with an NHS dentist. If your teeth are currently fine it will only cost you £20 a year for an annual check up, and it could save you so much worse down the line.

This 100%, I have a NHS dentist, have been for years, annual check up about £13 (or just a bit more). Well worth it, nothing better than leaving and them saying see you again in X number of months rather come back for a filling or tooth out (in the past )

loey93

I'm back again

Good to see that you are looking at the pet insurance, that's also very cheap for worming and flea treatment

The self employed boyfriend, this is going to be a problem, sorry

£1000 a month, is that really enough for him to pay his share of the bills and day to day living, and leave him with spending money?

When he decides to pay himself a bonus, where does the other £4K go?

When me and Mr Suki decided to buy a house together, although he was earning fantastic money, we chose to buy only what could be afforded on my wage. Meant we bought a tiny doer upper but back then, mortgage rates were high, and whilst he was earning high, he only needed to break a bone and that was it, no work, no money , no benefits

And it was wise planning, recession came along and his earnings plummeted. We got through because we weren't over spent. Another rescission, this time he was barely finding work, once again we survived because we hadn't over stretched , luckily this past recession we were mortgage free so managed when he had no work for months

I don't want to rain on your parade, but these are things you have to think about because as you say you are a big spender and his wages are not reliable.

Already you can see that money in reality is very tight for you, with very little in the way of disposable income. Living on credit isn't ever a good idea. Is your car bought on one of these pay X amount for X years and a lump sum at the end? If so hand it back now. You will never save the lump sum to keep it and you won't have enough saved to put towards a new contract to keep the payments low

You can hand them back and walk away, go read the motoring forums where it's explained

Hi Again

I was just guessing the worming and fleeing cost as my Mum pays this (at the moment) I will double check with her later.

I am unsure what he does with it, I don't really ask. I'm guessing he just saves a bit and spends a bit. He will be paying himself a larger basic salary soon (I don't know what this is as I don't get involved with his finances)

I know he can afford to live with me as he lives by himself in a rented flat at the moment and spends approx £700pm including bills etc.

He works in the city centre so travels by train and does not own a car (at the moment). He also doesn't waste money on phone contracts etc. I'm sorry I can't give much more detail as I don't know this ins and outs of his finances.

I would love nothing more than to get rid of my car, my ex partner put 6k deposit down on it 2 years ago, I'm tied in until 2021 with a £10k balloon payment at the end It annoys me so much when I think about how much money I'm wasting on it. I'll never be able to afford the balloon payment so I think the only option is to hand it back and soon! (I will check the online forums to see how I go about doing this, I'm also taking the car for service on Saturday at the dealership so I'll ask them what my options are.. maybe i could trade it for a cheaper car. I will find out).

Thanks for your comments I'm finding them really helpful

loey93

All the rest is fine, you will be more than able to manage on your salary. I don't make as much as you and I live alone in my own home. It might be a bit of a learning curve but its totally do-able.

This though, no no no no no!

Take it from somebody who didn't go to the dentist for years (phobia!) and then regretted it more than anything when the toothache hit like a ton of bricks.

Get registered with an NHS dentist. If your teeth are currently fine it will only cost you £20 a year for an annual check up, and it could save you so much worse down the line.

OK thank you. I will register with a dentist soon then. My teeth have always been fine, never had any issues but you never know, plus I'm getting older now haha !

YoungBlueEyes

£20 for a phone still seems expensive to me...
When you're out of your mobile contract, it would be a good idea to buy a handset and go sim-only. I bought a reconditioned iphone from Apple (a couple of models behind the newest one), then got a sim from Tesco. I get loads of data/texts/mins etc for £7.50 a month. Get Clubcard points too

ETA - don't skip on the dentist. You're better off keeping everything in check now for a few quid, rather than face a big bill when something goes wrong that could have been prevented had it been spotted earlier.
I always thought my teeth were fine, never had a problem with them so I didn't have a dentist. Then I cracked a tooth which snapped off and exposed a nerve. This happened on a bank holiday, naturally. When it came to the bill - I think he just wrote noughts till his pen ran dry! Really, just get check-ups

Red-Squirrel_2

loey93 wrote: »

OK thank you. I will register with a dentist soon then. My teeth have always been fine, never had any issues but you never know, plus I'm getting older now haha !

I never had any issues, not even a filling, until BAM last year I woke up with horrific toothache. I now have two fewer teeth and 5 fillings. I am longer scared of going to the dentist either, a great cure is when you are in agony and they make that go away!

Really glad you're going to go, learn from my mistakes so that you don't have to learn from your own!

ViolaLass

suki1964 wrote: »

The self employed boyfriend, this is going to be a problem, sorry

£1000 a month, is that really enough for him to pay his share of the bills and day to day living, and leave him with spending money?

It would be ample for me. Also, not all self-employment is desperately insecure, it depends on the type of work.