Teetering on the brink

EatingBeans

Thanks all. The biggest problem I have is I don’t know what my income will be on half pay. It is not as simple as dividing by two as it changes tax, NI and student loan repayments. On top of that I am expecting Universal Credit will top up some of the wages I have lost but I don’t know by how much, only that the earliest payment will be towards the end of Feb. For now there is almost too many unknowns outside of my control to even make a plan. I am sure I will have less than a normal month but that’s about all I can say for now. 

My plan therefore remains to pay everything on time this month even if that means using the savings. Then, once I find out if the Leavers Payment has been approved I will make a plan from there. The estimated payout is ~£25k so it is a lot to consider. 

ellenvan

Ok I get that your income will be difficult to calculate at the moment.
Obviously you don't have to share on here, but if you have an updated cards, loans, mortgage owing spreadsheet I am sure that would be useful.
Here's hoping you hear that you are getting the leavers package soon.

badmemory

https://www.lemonfool.co.uk/financecalculators/soa.php

I hope that worked properly.  Please look no need to actually post it here.