Cost of Living Crisis - How are you coping?

foggy229

I live alone on disability benefits, my 2 year fixed deal with Octopus has just ended last week. I was paying £1700 a year, now they want over £7000 to fix a 1 year deal. 
I've switching my heating off, and will moving into 1 room with an oil radiator for the winter.

Pollycat

Spendless said:

The amounts given don't include things like Birthday/Xmas presents,  clothing, haircut, holidays. In order to see where it all goes you need a template that takes such things into account. 

And that template can be found on the debt free wannabe board as previously suggested to the OP.

foggy229

I live alone on disability benefits, my 2 year fixed deal with Octopus has just ended last week. I was paying £1700 a year, now they want over £7000 to fix a 1 year deal. 

I've switching my heating off, and will be moving into 1 room with an oil radiator for the winter.
I've posted this again to add a screenshot from my Octopus account of the quote.

tooldle

foggy229 said:

I live alone on disability benefits, my 2 year fixed deal with Octopus has just ended last week. I was paying £1700 a year, now they want over £7000 to fix a 1 year deal. 

I've switching my heating off, and will be moving into 1 room with an oil radiator for the winter.
I've posted this again to add a screenshot from my Octopus account of the quote.

Why not work out what the non fixed deal would cost you, based on your consumption over the past year. A lot less than £7K, I would think.

yvonne13_2

Deleted_User said:

For those asking...

Mortgage  £1,450.56

Nursery £1,343.33

Shopping £250.00

Savings £300.00

Council Tax £175.00

Debt Payments £150.00

Work Travel £137.80

Petrol £200

Gas and Electric £119.00

Work travel £91.86

Life Insurance £53.48

Children Savings £40.00

Water £41.46

Amazon - (milk and baby wipes) £36.80

Kids Activites  £90.00

Broadband & TV £30.00

Car £18.15

Phone £17.99

Washing Machine £14.50

Dropbox £9.99

I don't pay for Netflix, Prime or Spotify. The above is not fully updated, petrol, gas and electric for example will be going up. Based on our current salary (prior to pay raises), theoretically we should have about £400 each to spend. However, things do come up. From July, there's going to be another £75 a week for speech therapy for our autistic child.

The main thing is probably shopping. Probably have to be a lot more disciplined there as that's where I frequently start using my "own" money as the budgeted amount goes in 3 weeks. 

Tv licence, clothes, shoes, car payments (Not sure what the £18.15 is) going out for meals. It all adds up. Maybe someone has been paying the garden maintence at a premium, but yeah you've not put everything down

Spendless

Pollycat said:

Spendless said:

The amounts given don't include things like Birthday/Xmas presents,  clothing, haircut, holidays. In order to see where it all goes you need a template that takes such things into account. 

And that template can be found on the debt free wannabe board as previously suggested to the OP.

I did think there was one. I went to type as much but wasn't sure so omitted it. I've also suggested the debt free board to the OP.

comeandgo

For a house you bought years ago at a value of £280 k your mortgage payments seem very high. Have you consolidated debts to your mortgage in the past?

lisyloo

In my budget I also have

vehicle repairs (the OP might have company cars)
house repairs
health (dental and minor tests)
vehicle replacement capital