Not a huge debt but need help

13

Comments

  • Gladioli
    Gladioli Posts: 47 Forumite
    Debt-free and Proud!
    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!
  • Sansababy
    Sansababy Posts: 41 Forumite
    Combo Breaker First Post First Anniversary
    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.
  • tallyhoh
    tallyhoh Posts: 2,305 Forumite
    First Post First Anniversary
    Could you switch nurseries? my grandson only does 15 hours free.
    Tallyhoh! Stopped Smoking October 2000. Saved £29382.50 so far!
  • Sansababy
    Sansababy Posts: 41 Forumite
    Combo Breaker First Post First Anniversary
    tallyhoh wrote: »
    Could you switch nurseries? my grandson only does 15 hours free.

    I'd rather not, although Nursery isn't cheap her extra needs are well catered for and I only need to struggle for another year and a bit then she goes to school.
  • Gladioli
    Gladioli Posts: 47 Forumite
    Debt-free and Proud!
    Sansababy wrote: »
    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.

    Sorry I assumed it was a Direct Debit, rather than top up meters.
  • Sncjw
    Sncjw Posts: 3,508 Forumite
    First Anniversary Name Dropper First Post
    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 start date 1/3/23.

    Starting balance £66,565.45

    Current balance £63,787.16

  • Sncjw
    Sncjw Posts: 3,508 Forumite
    First Anniversary Name Dropper First Post
    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 start date 1/3/23.

    Starting balance £66,565.45

    Current balance £63,787.16

  • Bluebell1000
    Bluebell1000 Posts: 1,073 Forumite
    First Post First Anniversary Name Dropper
    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.
  • Bluebell1000
    Bluebell1000 Posts: 1,073 Forumite
    First Post First Anniversary Name Dropper
    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.
  • Brookside88
    Brookside88 Posts: 338 Forumite
    First Anniversary First Post
    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 luck
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.2K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.2K Work, Benefits & Business
  • 608K Mortgages, Homes & Bills
  • 173K Life & Family
  • 247.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards