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mammame

Hello I'm new on hear and i really need as much advice as i can get.
I'm an single mum i work 16 hours a week and the days i'm not working i'm studying with hopes to become an Teaching assisant one day.
My debt is not great. off the top of my head £3000max this includes cards and catalloge bill and an over payment of housing benafit of almost £1000:mad: and just for good mesure debts in my name that my ex-partner left me with. I'm paying little to these each month.
On paper my money lookss ok for the month my really i'm not doing very well.
I dont get much each month what i do get seams go with nonthing to show for it. For the last few months come mid month i have nothing left only money coming in is my tax and i have to pay £90rent a week and £10 child care
I get working tax £133.33 a week and help with child care i also get a little bit of housing benfit but no council tax.
I no if i dont do something soon i will be kicked out of my house as they are sick of my late payments with the rent
What i'm looking for is any help an tips to help me spend less and save more. Is there any way i can incress my income?
I have things to sell on line and will do that when i've fin collage.

rayday2

Sounds to me like you could do with decreasign our outgoings. You have quite a bit on working and studying (good luck with your course btw I start in September!)

Have you considered thinking about offering lower payments to any credit commitments, will damage your credit history but could give you the breathing space to study and live and achieve your longterm goal?

GingerSte

Hi mammame.

First of all welcome to MSE and the Deft Free Wannabe board in particular. You're amongst friends here.

Secondly, it would help us greatly if you could put a Statement of Affairs (SOA) on here. This is basically a list of all your money that comes in and goes out every month. This has to include everything (ie, gas,water, elec, tv licence, Sky, food, housekeeping, travel, rent/mortgage, council tax, debts, nappies, hairdressing and all the small things). Then our crack team of DFWs can pick it apart and save you lots of money. If you go to this thread here then it should show you what to put on.

In the meantime, if you're expecting to be OK at the end of the month but it doesn't pan out that way, it may help if you started keeping a spending diary. Again this is a list of everything you spend, right down to the smallest chocolate bar. Believe me when I say that those small purchases (bar of chocolate, can of pop) really do add up.

Best wishes,

GingerSte.

bargainbird

If you are the only adult you should get single persons discount ?

shopaholic2008

Hi and welcome why dont you post a SOA (statement of affairs) lots of info can be found on this in this forum and then im sure there are plenty of people that will be able to suggest things to help. Also why not start selling things now car boots and ebay are great. Check out the make an extra £10 a day thread theres loads of ideas on there for how to make a bit extra. I currently do lots of survey sites which are good for a payout every couple of months.
Good luck im sure you will get the help you need on here

SmellyOldSock

Hello and welcome.

Have you tried going over to the Old Style threads, lots of advice on cutting back costs.

best wishes
Charlotte

mammame

Hello thanks all your replys hear is a state of affairs that you asked for

My salary - £448.56[IMG]file:///C:/DOCUME%7E1/rach/LOCALS%7E1/Temp/moz-screenshot-2.jpg[/IMG][IMG]file:///C:/DOCUME%7E1/rach/LOCALS%7E1/Temp/moz-screenshot-1.jpg[/IMG][IMG]file:///C:/DOCUME%7E1/rach/LOCALS%7E1/Temp/moz-screenshot.jpg[/IMG]
Benefits - £453. 32
Child Benefits- £75.00
Total - £901.88

[IMG]file:///C:/DOCUME%7E1/rach/LOCALS%7E1/Temp/moz-screenshot-3.jpg[/IMG]Rent £360.00 - £40 to clear the over payment
Water included in rent £ 27.60
Council Tax 104.61 - £11 more to clear over payment
House and internet £15.00 dont use phone (contract for 14month)
Mobile £20.00 never over spend (contract for 16months)
Sky £19.00 (contract for 7months)
TV licence £11.61
House insurance £11.30 would like find cheeper but need to pay fee to leave
Pet insurance £10.71
Bus pass £34.00
Elec £35 i'm up No money out stnding on gas and elec
Gas £20
Childcare this tearm 5week £30
School dinners this tearm 5weeks £19.00
Littlewoods £10.00
Cap One £20.00
Food shopping £100- £120
Dinners at work £10.00
Total out goings £850.00

Debts
Littlewoods £1000.01 paying £10month
Cap one £482.90 paying £20.00 month
Over payment of rent £1000 paying £40 month

bank_of_slate

Hi mamma, hope this helps, welcome to the forum!
...Linda xx

mammame wrote: »

Hello thanks all your replys hear is a state of affairs that you asked for

My salary - £448.56
Benefits - £453. 32
Child Benefits- £75.00
Total - £901.88 do paid surveys, see up your income thread! Check on entiledto.com if you are getting all the benefits you are entitled to!

[IMG]file:///C:/DOCUME%7E1/rach/LOCALS%7E1/Temp/moz-screenshot-3.jpg[/IMG]Rent £360.00 - £40 to clear the over payment
Water included in rent £ 27.60
Council Tax 104.61 - £11 more to clear over payment Do you get the single person discount?
House and internet £15.00 dont use phone (contract for 14month)
Mobile £20.00 never over spend (contract for 16months)
Sky £19.00 (contract for 7months)
TV licence £11.61
House insurance £11.30 would like find cheeper but need to pay fee to leave
Pet insurance £10.71
Bus pass £34.00
Elec £35 i'm up No money out stnding on gas and elec Have you made sure you have the cheapest supplier?
Gas £20
Childcare this tearm 5week £30 Can you get the childcare vouchers through work?
School dinners this tearm 5weeks £19.00
Littlewoods £10.00
Cap One £20.00
Food shopping £100- £120 Try shopping with a list and meal planning
Dinners at work £10.00 Can't you take sandwiches to cut this down?
Total out goings £850.00

Debts
Littlewoods £1000.01 paying £10month
Cap one £482.90 paying £20.00 month
Over payment of rent £1000 paying £40 month

flaura

Hey

Have you asked the college if they can provide a bus pass. Mine gave me one so i could get to college and back for free?

can you also try reducing your sky to the minimum for the remaining 7 months?

cut out the dinners at work can you take food in from the weekly shop amount? it may only be £10 Per week I assume but that's over £40 a month you could send to a creditor !!

it would help if you can let us know the interest rates on each one so we can see where you are paying the most interest (give them a call if you are not sure?

I wish you luck - I managed to pay off my debts whilst studying full time - also ask the college about vouchers for books etc and check they don't provide free childcare etc

If you are in credit with your elec can you try and reduce the DD amount as you'll use less over the coming months now summer looks like it's coming - try unplugging stuff after you've used it too you'll save a mint...

flaura

you might also find that there are some grants or hardship loans for teacher training courses..

mammame

Hay thanks for your replys
I get help with my childcare cost form tax Criedts my mum helps now by having him after school that help me save a lot.
I have to pay for my bus pass as it to get me to work. Collage is on my doorstep work is 10miles away. I pay £34.00 an month. If i payed each time i used the bus it would be £44.00 an month so by getting the bus pas i save money

I will ring sky when i'm home and see what they can do

My meals at work are paid in avance when i'm paid i put £10.00 on my key at i almost have a bit left at the end of the month Thats for 8 meal that are big home cooked meal with pudding and drink some times i have enough for breakfast there too. Also i save as i dont cook for us when we get home. My son will eat at my mums when i'm at work.
I'm not paying inerest on my debts

I'm due t look at my DD payments for my gas and elec in june i'm gussing they will go down
I get paid on friday so i'm going to write down every thing i spend and see if that helps