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Not a huge debt but need help
Comments
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Be careful you are not overpaying in gas and electric as those payments look a lot, if you are overpaying then you are basically putting money in your ex-husbands pocket!0
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How would I be putting money in his pocket?
They're prepayment metres so I just top up when I am running low which is generally on a Friday and I put £10 on each.0 -
Could you switch nurseries? my grandson only does 15 hours free.Tallyhoh! Stopped Smoking October 2000. Saved £29382.50 so far!0
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In your statement of affairs you have zero for rent. But you say your in rent arrears can I ask how.
Do you actually pay for rent if so you need to allocate the money.Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £55,819
Cc debt free.0 -
Could you apply for dla for her.
Why do you think they will take her from you if she doesn’t go to nursery?Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £55,819
Cc debt free.0 -
A childminder may be more flexible than nursery, so do consider that option. We find it works well for us.
You could look at reducing your grocery spend. Ours is £180 a month for a family of 4, so you can probably get yours down a little.0 -
Also I've just noticed your contents insurance is £30 per month. Is that right? That seems very high. Ours is less than £10 for buildings and contents combined. Try and shop around at renewal and look at cashback sites to see if you can get any cashback from it.0
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if you have any spare time then i'd suggest 2 survey sites. Qmee and prolific.ac. They pay for youto do surveys and you can cash out through paypal. I work full time and have a toddler so I have very little spare time but I've managed to earn almost £70 so far this month just from these 2 sites. I started doing them because I'm in a huge amount of debt and already reduced our spending as much as I can.
I'm sure you could save a bit on your groceries, I spend about £170 a month for 2 adults and a toddler.
Agree with looking at your contents insurance because that's a pretty large bill
Best of luck0
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