IA's Debt/Life/Little bit of Everything Diary...

emily_jackson

PS. Forgot to say hope Ste's dad is okay

Spendless

Hi IA- Just had a look at the soa you posted. Maybe you need to post a full one, with wages and child benefit and tax credits on it so we can have a fresh look at it. Meanwhile if things are tight I'd shop from my cupboards for a few weeks (there's a store cupboard challenge on old'style if you've not already seen it) to reduce your grocery bills, whilst you find out what is going on with CAB and your job etc.

immoral_angeluk

Income –
Ste - £940.41
Sar - £119.60 (based on £27.60 a week)
Tax credits – £350.73
Child benefit - £120.80
Total - £1531.54

Outgoings-
Bills/Direct Debits –
Rent - £296.45
Council Tax - £104
Water - £17.18
Gas/Electric - £55
Phone/Internet/Line rental inc calls - £35
TV licence - £11.31
House Contents Insurance - £5.31
Pet Insurance -£6.36
Ste mobile - £30.11(in contract til March? next year)
Sar Mobile - £35 (in contract til may next yr but will drop package when I can.)
Car Insurance - £34.15
Food - £216.50 (based on £50 a week)
Petrol - £86.60 (based on £20 a week.)

Regular Spending –
Ste weekly budget/lunches - £43.33 ((£10 a week)
Band Practice - £43.33 (£10 a week)
Bodytone - £34.64 (£4 a session twice a week)

Debts –
Car HP - £160.50 p/m Balance - £5072 – 24.1% APR.
TV finance - £0 p/m til Oct 09 – Balance £955 Currently 0% APR.

Total Outgoings.
£1214.77

Leftover - £316.77

immoral_angeluk

just did our meter readings and we're STILL in credit.. £84.48 to be exact!!! Only used £56 worth of gas and electric last month even though we're paying £55 a month and its the middle of winter!!

Want to get this back but the last time we asked the wanted to put our monthly payment up to ridiculous money!

JET34

Sar,
Just a thought do you pay your council tax/ water over 12 months or 10......
it's just if it's the latter than it may help you out the next couple of months!

immoral_angeluk

JET34 wrote: »

Sar,
Just a thought do you pay your council tax/ water over 12 months or 10......
it's just if it's the latter than it may help you out the next couple of months!

council tax is 10 months, water over 12. using it for car service/tax though.

lauradora

I can also recommend grocery challenge on old style board, its kept me on the straight and narrow and they've got all sorts of handy hints over there!

(Land_of)_Maz

Are there no concessions for bodytone, frequent user scheme or anything like that? Sometimes tax credits can count enough to get a concession/discounted rate depending on where the class is held?

(speaking of which, you going to bodytone has inspired me to get back to my jazzercise class, going tomorow night!! quite excited actually, a little bit of "me" time!)

ZTD

immoral_angeluk wrote: »

just did our meter readings and we're STILL in credit.. £84.48 to be exact!!! Only used £56 worth of gas and electric last month even though we're paying £55 a month and its the middle of winter!!

Want to get this back but the last time we asked the wanted to put our monthly payment up to ridiculous money!

Ask for it back - it's your money. Last house I was at they wanted me to pay £70 per month. I just said "no way". Ultimately you're in control.

tesuhoha

Have you looked into repaying your car loan with a 0% BT. The APR on it seems to be sky high or am I missing something here?