need extra £200 any ideas?

In_Search_Of_Me

NB Pay highest interest payments off first, whether they are the smallest or not!!

lucielle

In_Search_Of_Me wrote: »

Have a hunt & start taking steps to pay things off and dont put the horse off...the longer you leave it the more youre paying...it would also be one less thing for you to worry about then...Keep posting & rerember youre not alone in this!

I would love to have my son statemented but where I live they don't recognise dyslexia as a problem and to get a statement is like the proverbial rocking horse poo!!

barron_hard_up

penguin83 wrote: »

Hi Lucielle

I have a horse too and know what a strain they can be financially! Is there any way you can place your horse on loan to avoid having to sell? x x

sometimes you just have to face the situation head on and make what for you is a tough decision - sell the horse and don't look back, you can not afford it.

Try get a full time job.

Good luck....

lauradora

I don'y know what i'm pn about but penguin and alibi seem to have some good ideas on the horse

mummytofour

You have a good income and are lucky to have such low rent.
First things tho, the horse needs to be cheaper and I think then a DMP might be a good idea, it will however doing nothing for your credit rating but if you could get the interest frozen on your accounts with the amount of money you have after paying essential costs you really could have yourself straight in a few yrs.

tigtag02

lucielle wrote: »

rent £350.00
water £7.11
council tax £90.00
electricity £46.50 was paying £65.00 until last week
oil £40.00 was paying £50.00 until last week
coal £40.00
contents insurance £7.69
Telephone £36.00 was paying £49.00 until last week
mobile x 2 £20.00 pay as you go ~ I think its O2 that do a monthly deal for £10 you get 300 texts and you can get the sims free through Quidco
tv licence £11.61
school dinners £44.00 term time only ~ pack ups will be cheaper
school fees £31.65 youngest son is dyslexic and we have a bursary for the rest of fees.
life insurance £142.97 trying to change this for a cheaper one ~ WOW ~ this is REALLY expensive. We pay £13pcm for a policy that covers us both for £100,000 (and oh is falling to bits ) ~ £40 cash back through Quidco too
petrol x 2 £100.00 live miles from anywhere
car insurance x 2 £58.17
food etc £425 ~ this can deffo be brought down - possibly even to the point of finding your extra £200.
clothing/ birthdays £30.00
aa membership £11.50 ~ green flag is cheaper and is on Quidco
car tax x 2 £32.08
mot £37.50
horse ins £46.07 ~ The horse might just have to go you're spending more than the extra you need a month on it
livery £151.00
farrier £40

:wave:

Welcome and well done for posting. Quidco, the old style board and the make £10 a day in Jan are the places I would direct you for now.

Stick with us ~ you CAN do this

chevalier

Not being funny but does the horse need shoeing every month? Or can it go unshod say during the winter? Is the horse being used every week/day or whatever. If it isn't then you will have to think if they are worth it. The loaning out thing seems a good idea, particularly if they went halves or something, so you still got to ride it sometimes. But when it comes down to it, the children are more important than the horse.....
chev

chevalier

ps have you asked your optician about dyxliexia? I gather that some types can be helped dramatically by the right glasses?
chev

penguin83

Thats a fair point chev - my horse has had all four shoes removed and is now trimmed every 4 weeks - much cheaper - get your farriers advice first though.

The amount you have allowed for your horse seems very low - have you included everything.

If you do decide to sell make sure everything is up to date - vaccinations, wormers and passport - it will help with the sale price to have a full history x x

chunky79

I know the thought of selling the horse may be a very hard thought, but thats your defecit sorted! I love animals with a passion (big dogs) i don't have one, purely because to keep one will up me outgoings £15 a week and then yearly boosters and then the vet bills in later life. I hope this doesn't sound harsh or come across as harsh i don't mean it to but sometimes in life these hard choices do have to be made.

Also where do you live(Mars)? why is dyslexia not recognised? thats terrible.

As for your food bill you can easily half that with planning trust me i did not think it was possible, i also have 4 children, 1 still in nappies. I spend about £70 a week sometimes less. Try shopping online and use money off vouchers this way you can watch what your spending. Or make a list and stick to it.

Make the kids up packed lunches, so much cheaper. My kids have fresh fruit everyday, and it still works out cheaper than buying lunches.

Good luck hun and try and keep your chin up xx