Keeping afloat till I can get round to the debts!

NeverendingDMP

Fairly low spend weekend. Not anything too excessive to report. Emergency fund has made it to 100. 

NeverendingDMP

Emergency fund still 100. Debts still higher than last month and only spent on petrol today as I was driving on fumes. Payday on Friday thank goodness. 
Applied for a job last night and have another potential I'm interested in. I'm also hoping pay talks tomorrow amount to something. I work for that massive health care company which intended to strike at the end of this week. I'm not in a union so am not involved in any strike action but would welcome any payrise with wide open arms  if it's offered.

jwil

Good luck with the job applications.  Hope there is some good news on the pay award.

NeverendingDMP

Thankyou. I'm in a funny predicament of should I work full time for maybe 150 pounds a month more once I've paid for extra childcare or stay as I am but have nothing spare,
 I work term time at moment which across the year then averages out to be paid for 25 hrs a week.  it's full on hrs wise during term time but then there is very little childcare in holidays as I work very little in school hol. (approx 2 weeks worth out of the 13 they have off). My heart says this is best for family. Cost of living says absolutely No chance. There's a staffing review going on at work as well so that might make the decision for me. Who knows 

NeverendingDMP

Doesn't help that my tax free childcare still isn't working so I'm paying full whack. Must ring them again to chase. 

NeverendingDMP

Payday tomorrow thank goodness.
Need to check my shopping spend but I know it was over. Will log a few more weeks and get an idea of what it realistically needs to be.
Need to find the time and the energy to do a full spending diary and be very accountable this month. Debts going up is not the way it's meant to be. Need to get living within our means and then chip away at them again. 

NeverendingDMP

So I'm declaring night before payday. Total debts 19363. I'll see again on night before my next payday. Sub 19 k is so near yet so far ....

jwil

Happy payday!  Hopefully energy bills will start to come down later this year and things may ease off a little.  I'm sure all the food prices will stay the same though!

NeverendingDMP

 Just wondering people's feedback on below. Sorry not formatted. 2 adults 3 kids budget from sept. One at highschool by then. Food 140 per week which I'm worried isn't enough and also one school dinner a week each



mortgage 512

council tax 170

water 55

gas/electric 250

extra gas/electricity 0

house insurance 25

life insurance both 42

tv license 13

internet 21

car breakdown / tax 10

car insurance me 40

car insurance dh 46

unison. 21

mobile x2 29

phone ins 6

childcare 177

petrol me 90

mot service 50

school dinners 26

food 606

lisa 10

children's saving 15

children's spends 26

swim lessons 50

football 25

activity spends 90

school shoes 30

school uniforms 35

laptop-highschool 20

clothes 40

haircuts 42

emergency fund 25

xmas/birthdays 100

dentist fund 15

Debt 13

Debt 45

Debt 10

Debt  30

Debt  50

Debt 20
Debt  40

2920 total income 2888. I know this doesn't add up. Lisa and mot fund will have to be cut 

 

NeverendingDMP

Any feedback on whether the figures seem reasonable, high low, too tight, etc is welcome. Dh gives money to house and keeps some to cover own petrol etc. Figures are the income that is there to cover everything listed. Food works out at 140 a week. Spends 20 a week. These aren't the figures we work to now but could be if I stay in current job, and childcare reduces once  oldest moves to highschool. Tax and water I just added a tenner a month on from what we pay now. Gas and electricity was also a guess once the govt support scheme ends.
Potentially childcare could be more if local authority staff get pay rises and wraparound care goes up