what a mess- has anyone got any advice?

pavlovs_dog

calculatethis wrote: »

afterschool care (5yr old) 140 pcm
if you cant get rid of this, could you claim childcare vouchers through your employer to help with the cost? are there any family near by who could help?

mortgage 720pcm
council tax 90 pcm
life insurance/pension 40pcm
Tv licence 10pcm
insurance (house) 15pcm
food 200 pcm

at £50 a month for 3 of you, this is high, and could easily be trimmed back - even with food costs rising. shop from your fridge, freezer and cupboards - use up what you have before buying more. buy own brand labels and consider switching to aldi/lidl - money goes so much further there! get yourself over the the moneysaving old style boards for help with cutting the cost through meal planning, making things stretch etc.

petrol 200 pcm
pocket money/clothes/school lunches 50pcm
total others 1469pcm

what does this include?
total outgoings 2778pcm

income and child benefit 2048pcm

no utilities? gas, water, electric, phone, internet, mobiles?


what does your OH do by day on the days when he is not doing supply?