Do you struggle with dates of Pay day and direct debits?

I have had problems when companies insist on payment dates far away from pay day! That's just because of me spending the money I should have put by for the bill!
Maybe you need to make a little chart. Once you have a system just stick to that.

Probably an unpopular opinion, but I feel you are scapegoating payment dates for a more serious problem and I feel that following the path you are on now will leave you in serious financial difficulties in the near future.

Imladris wrote: »

rarely did the weekly pay amount to some of the bigger bills like rent and council tax

And why would it? Why would you expect your weekly pay to conveniently cover your monthly bills? Regardless of when you get paid, your income and liabilities will still be the same every month.

Imladris wrote: »

As a result, we have lots of under £500 debts with energy or media suppliers, due to payments falling behind due to this complication, plus credit card debts where we had to supplement income most months.

But luckily you were able to satisfy these debts with the surplus income you presumably had when you did receive payments, right? Also what is a 'media supplier'? Do you mean internet or Sky or something? You seem to have accrued a lot of debts with these service companies for an issue you've stated is merely what day you have to pay them?

Sure it would be great if everyone was paid and all bills were due on the last day of the month but such is life, part of which is learning to budget and not spend beyond your means. Personally, I think you need to accept the real issue here, write out a statement of affairs (http://www.stoozing.com/calculator/soa.php) detailing your situation and get help before it develops.

I see it all too often on these forums that someone has found themselves in financial hardship but instead rationalises this by becoming angry at a seemingly irrelevant point. Just last week, I was reading about a tenant who hadn't paid rent for 9 months, who made a threat complaining about the landlord because the notice of eviction was dated four days after she received it (so he'd been slow sending it) and was convinced she was a victim and was asking for advice for how to recourse through the courts on that basis.

An extreme example but it's how humans deal with things, and I think you should reflect on what the real issue is here.

Imladris wrote: »

I'm thinking .gov petition

Madness

I would second Chandalier's post and say open another bank account. Would the housing and child benefit pay all the bills? If so, or nearly, change bank details for those and leave them. It will take some juggling and you may have to pay some money upfront (which another poster mentioned) to try and get the dd's better for you. If you are in debt to some companies they won't allow you to pay by standing order but if you can, pay small amounts up front until you build up to a monthly payment, do it and then ask to switch to standing order. You will need to keep the DD active but for most co's if they have the monthly payment before it's due, they don't take it.


My husband is weekly paid but it is every Friday so we know. I pay almost all by weekly standing order (from a separate account) except life insurance and BG for gas and electricity. A good deal was shown on here but they have messed our payments around so I may go back to SO in the new year. Mortgage, council tax (I start in March so April's is paid by 2/4 and I over pay so it's finish by end of November), water, barclaycard, premium bonds, BT and vodafone are all paid weekly. A speadsheet or pen and paper. It's doable, good luck.

Hi, after too long in debt and trying to deal with normal bills, my best options were to first draw up a spreadsheet...one side had outgoing, the other side incoming. Apply the dates for both sides. Then I Cut back or changing on unnecessary outgoings such as high paying tv packages which also you can do via quidco to get cashback.

I then worked it out with the companies for a dates that suited. To be honest most companies are flexible! They are getting paid after all.

Writing it all down on paper or on spreadsheet apps on phone will help you work out what dates you need for what and explain to the companies involved. highlight when paid both in and out. You will get there.

I get paid weekly.