Someone please help!

silvercar

there is something wrong with your water figure. If you are on a water meter, you have a leak or more likely a river, coming out of your taps.

With interest rates relatively low, it may be worth looking at how well your endowment is doing. If its not performing that well one option is to sell or cash in the endowment, use the proceeds to reduce your mortgage balance and switch the remaining mortgage to a repayment type. You should ost details of the policy on the mortgage board for more advice on this.

rayday2

Not sure they can do much yet, reading first post looks like they have recently re-mortgaged.

What confuses me is that you mention two credit cards but I can only see one payment going out. ALthough I appreciate from your post there is still a few more details to add.

jacquicd

Thanks everyone, I guess I have some work to do. The cigarattes were my husbands cost and he is giving up so that will go, the water I just got the statement through (South West water) it is direct debit and doesn't mention arrears or anything, It covers water and sewerage, I hate the idea of not paying into the kids accounts but thinking about it they have laods of money already in savings accounts and the eldest is only 4!! May be we could miss some. I will go do some thinking (and convicing hubbie, sky and booze!! could be hard!!) and will let you know how I go

Thanks everyone

Jacqui

rayday2

You haven't signed up to any of those schemes water boards do to guarantee your pipes and things have you?

rayday2

As for Sky you could have a more basic package no need to get rid of it, we actually have sky + and pay £19 we find now we can record things we need less channels and only watch what we want to when we want to.

MrsTinks

Well the water and sewerage is WAY high if it's a monthly payment? Can you check to see if it's quarterly or monthly? I'm paying about £43 for a 3 bed terrace with 2 occupiers - because I'm paying about 2 years of no bills (despite them being told every month since OH bought the house that he'd like to pay them... They insisted the house had been demolished - which is true - but the area was developed and the address was then re-created when the development was finished... They refused to believe us - duh!) So I paid a large cash chunk as I had the money and half of it is being paid off monthly instalments at 0% as they realise it was their fault in the first place.

Yes you can miss some payments... as I said keep track and if you feel guilty about missing payments then top up the amounts once you're debt free and you can afford to pay into it.

flutterbyuk25

How bout gather all your unwanted items and get ebaying to make some money? Also you can sell books/dvds/cds on Play/Amazon/Green metropolis.

x

suzy1970

I was dying in debt and constantly in my overdraft until i found this site, it made me take a long hard look at our outgoings and instead of being in the O/D we are now saving between 200 and £400 per month.
Firstly with ure overpayment to inland revenue, they will accept small payments each month and let u keep ure payments monthly to.
Ure phone and internet, i went with orange and have a broadband and phonecalls package of 19.00 a month, thts unlimited broadband and free phone calls (local and most international calls)
I smoked for 23 years, 25 per day, i knew i had to quit as i didnt have the money to burn, i have been smoke free for 2 months now (Ure hubby can do it and he will reap the benefits both financially and healthwise)
Sky, we still kept our package as we dont drink or smoke now.
Get rid of speccavers, thts just nonsense unless ure paying for something on tick.
Life insurance, u can get cheaper,try confused.com
Can u cash in ure endowment ??
Also look into a mortgage thts just paying the interest, until u get back on ure feet, phone ure lender and ask them as u will be amazed at the difference in repayments.
Better still have u looked into remortgaging or borrowing money to consolidate all ure debts so tht the outgoings are much less.A fund for ure boys I agree shld go on hold for now.
Also try claiming back ure bank account charges, theres template letters on the homepage of this site, they shldnt be charging you.

good luck and hope this helped a little..

also did u know if u or ure hubby work or worked for a company where u wear a uniform u can claim back a tax rebate of £45 per year (£60 as of this year)backdated the last 6 years, phone ure tax office and tell them u want to claim it back or search this site under claim back tax for laundered uniforms in the forums, theres advice and templates there...

Deep_In_Debt

I second what others say. Your water is huge. I'm on a meter and saving nearly £30pm and the meter was fitted free.

Could you get rid of the account charge on your bank account? £15.00 does seem an awful lot to pay and I bet you don't get much or anything for it.

dubgirl

Hi and welcome, just wanted to go back to your comment that you are not entitled to tax credits, you will be, it is worked out on a sliding scale as far as I am aware and so worth applying for, even if you get the minimum of £10 per week.

edit - sorry only skimmed thread and now realise you were overpaid on tax credits, but it still might be worth talking to them.