What to do.. no money and bills to pay.. help please

(62 Posts)
ep1977 Sun 15-Sep-13 19:07:33

ok, so I checked my bills account.. have got £148 left of overdraft.
bills to pay..
£50 sky dd to go out on 15th
£12 house ins dd to go out on 15th
£33 water to pay on 15th
Charges to go out on 23rd £38 (overdraft fees and over the over draft charge)
£90 council tax
due now £63 electricity ..
so what do I do..
hubby just got paid on 10th and transferred money into bills account(its never enough each month to cover outgoings!)

lubeybooby Sun 15-Sep-13 19:09:17

the ones due to go out on the 15th (today, Sunday) would have already been taken on the Friday,(13th)

that always happens with my direct debits

just thinking you may have a bit more than you think?

noisytoys Sun 15-Sep-13 19:09:48

Pay the council tax it is essential and the consequences of not paying it are huge. Cancel all other direct debits and make an appointment with CAB, stepchange etc for advice. Hope things improve for you soon.

Mintyy Sun 15-Sep-13 19:11:12

Cancel sky for starters.

The Citizens Advice Bureau is absolutely brilliant for providing help and advice when you are in debt. Google CAB. There are offices all over the country and it is a free service, available to everyone.

tywysogesgymraeg Sun 15-Sep-13 19:11:20

1. Stop Sky. You can't afford it. There's nothing wrong with Freeview.
2. Phone everyone you owe money to and explain your circumstances and offer to pay a little bit, and work out a payment plan.

nkf Sun 15-Sep-13 19:12:48

Sell something. That's short term. Get rid of sky. Get better paid jobs.

ep1977 Sun 15-Sep-13 19:12:57

I hope so Lubey..
Is my birthday this month and my dds early oct. We have done main food shop and got her a half price bike for her birthday. I'm pretty savvy and frugal. I do supply work and have had nothing since last week in JUly. My little bit of work each month helps meet the bills.. but summer hols has meant that Went over overdraft last month and that means charges of £25

Shinyshoes1 Sun 15-Sep-13 19:13:10

Ditch the sky

We don't have sky we can't afford it . We have freeview

Does your DH give you as much as he can towards the bills? If not, is there any chance he can transfer some more cash over?

The council tax is the most important one to pay, as noisytoys has said, the consequences are dire and they chase you pretty quickly

contact the water and electric, and ask for the payment plan to be altered. United utilities will let you pay less than the bill is until you can afford it again, the electric should let you skip a month and spread the extra over the rest of the year

Then you need to sort out your money, you can't live like that every month!

JakeBullet Sun 15-Sep-13 19:15:46

It is hard.....look at what you can cut. Can you cut Sky back any further. ....or creatively account by cancelling the DD to Sky and then resetting it up as soon as you can.

The fees to your bank.....

Have you considered opening a basic bank account elsewhere and paying all wages in there and then negotiating repayment of the overdraft with the bank....just to avoid the fees and to give you a bit more control over your money. Overdrafts are great but if you are relying on it every month then it never gets repaid etc.....been there and done that.

Sort out what is priority...rent, council tax, electricity, gas, water, food etc and then allocAte what is left to everything else.

It IS hard, everything has increased in price over the last two years.

Soontobemama Sun 15-Sep-13 19:16:52

Contact your bank and ask them to waive the charges. Most will do this is its the first lot of charges you have incurred in the past six months.

RandomMess Sun 15-Sep-13 19:16:54

Why isn't your dh transferring over more money?

ChoudeBruxelles Sun 15-Sep-13 19:17:09

Pay council tax or else you could end up owing a lot more

fackinell Sun 15-Sep-13 19:17:24

I do sympathise, been there sad

Have you anything you can sell or car boot? I agree, ditch Sky. Overrated IMO.

RandomMess Sun 15-Sep-13 19:18:35

They are not allowed to cut off your water...

and yep sky has to go forever just stop paying it.

Hadmeathello Sun 15-Sep-13 19:20:24

Agree you should contact your bank to see if they would be willing to waive the charges as a goodwill gesture. If they have not done this for you previously you might be in luck.

mintgreenchilli Sun 15-Sep-13 19:22:16

£50 per month for Sky is outrageous.

Dilidali Sun 15-Sep-13 19:24:00

Ditch the sky.
Pay the council tax.
Call your utilities provider and ask for a month's holiday. Also look for cheaper deals elsewhere.
Talk to your bank re: overdraft. How much are you allowed and what penalties are you incurring, there are better deals out there
See if you can transfer the overdraft onto a 0 % interest card. Then split the amount to12 and set up a direct debit towards that account so you can pay the debts.
From tomorrow there's a new thing which allows you to change banks within a week, they transfer the direct debits for you. Shop around for a better deal.
Set your direct debits to leave the account the day after you get paid.
Stick to a food budget.

Good luck.

davidtennantsmistress Sun 15-Sep-13 19:29:04

Sorry but how exactly is the comment 'get better paid jobs' helping exactly?

I would ring sky and cancel, at the very very least they will want you to stay and reduce your dd package, mine was cut in half, water and electric I'd ring and say you're very sorry can you skip this month and put the payment over the remaining year.

Council tax, get down to your local offices, when's yours due, ours is the first or the 31st depending on if you're dd or not, ours also is very very good if you say to them you need to skip a month they also will let you either pay double onth after or split that payment over the remainder. The bank charges agree also see if they will postpone those charges for a few weeks?

Talk to your dh Looks like more needs to be tfred each month. Is he aware of the juggling that's going on?

davidtennantsmistress Sun 15-Sep-13 19:31:11

Should say with ours if you consistently miss or move payments they don't let you do dd for the following year so it's worth conversing just to keep the option there.

Mintyy Sun 15-Sep-13 19:34:40

"Get better paid jobs" is just one option of many that could help op. It might not be possible, but it might also be possible. We are all just thinking aloud here.

Tony58 Sun 15-Sep-13 19:34:50

Please don't take this the wrong way but, as I used to say to my daughter when she asked for something I would say "is it a need or a want?".

Naturally she would always say it's a need. :-)

But, as an adult, you must realise how to 'cut your cloth to suit' and Sky is most definitely a want.

In fact, and I don't know all your history of course, but at £50 per month if you had ditched it long ago you may not even be in this situation.

I'm what you might call 'old school' and to this day I don't have a credit card or rely on credit. I have a debit card. Not aimed at you, but, the trouble today is too many people buy today and think about the payment tomorrow.

Maybe it goes back to what some here will remember as a pay packet. You had all your week's money in your hand and if you blew it you were screwed! (Hope that word is okay).

Anyway, to get deep for a minute. Don't sweat the small stuff. Think about all the crises and upset in life - yet we're here just the same and can look back and laugh. It's character-building... ;-)

davidtennantsmistress Sun 15-Sep-13 19:40:43

I understand that minty, however also in the current climate I consider myself lucky to have a job at all. Likewise a better paid job isn't going to solve the immediate issue in hand; normally a better paid job, you only reap the benefits months down the line once you've gotten out of the mess that the lower paid one et you in if that makes sense?

£50 sky dd to go out on 15th cancel this if you can. If you can't, cancel it before the next payment.
£12 house ins dd to go out on 15th don't cancel this.
£33 water to pay on 15th Cancel this. They can't cut off your water so you can pay double next month or rejig your DD amount once you have cancelled sky.
Charges to go out on 23rd £38 (overdraft fees and over the over draft charge) call the bank and explain you won't have the funds to pay this. Ask for an extension.
£90 council tax cancel this BUT call the council immediately and explain you have a short term cash flow problem. Get it paid ASAP.
due now £63 electricity cancel and amend your DD for next month.
so what do I do..
hubby just got paid on 10th and transferred money into bills account(its never enough each month to cover outgoings!) does he have anything at all left?

HappyMummyOfOne Sun 15-Sep-13 19:54:59

If your supply work is low on the ground then take any job you can get, lots of seasonal ones being advertised already which can tide you over whilst you look for something permanent.

You clearly cant afford sky so cancel it asap and go through food bill etc and cut out anything bar essential items.

Will your income this year be much less than last year? Could you call tax credits (assuming you get them) and give them your projected income for 13-14? If it's lower than last year your payments may go up a bit.

ep1977 Sun 15-Sep-13 20:30:14

thanks guys.. should say that rang up to cancel sky and they did do a deal.. also that the £50 is a guesstimate as it is for phone, broadband and sky tv. It varies each month depending on phone bill..

hubby works a lot but earns a crap wage. I am supply teacher and have had no work this term so no pay since July(hence the over overdraft)

~ will ring bank and ask to waive or delay fees
~will pay council tax

My husband feels like he works all the time for nothing
I have said about not enough money going in but he says he cant afford to pay anymore into it
I know he is shit with money and when hes got it at the begiimimg of the month will buy crap

E.G he went food shopping and spent £120.. forgot to buy most of the staple foods I need to provide meals(potatoes, meat etc)

He did however buy crumpets, shed loads of sweets and chocs and crisps. most have got eaten since bought yesterday!!

When I pointed this out to me he asked if I was having a go!!

ep1977 Sun 15-Sep-13 20:36:03

Ehric.. not getting child tax or working tax credits at all. they stopped in April.. say we are above the threshold or it was raised.. I must chase this up. I appled for job seekers as a lot of supply teachers do but was refused as I hadn't paid enough Ni in previous 2 years. DD was born oct 09 and I started doing a few days supply a month 2 and a half years ago. I don't get work for a few weeks at start and end of each term and sometimes the build up to xmas is poor too.

prettymess Sun 15-Sep-13 20:49:20

So

prettymess Sun 15-Sep-13 20:51:06

Oops, accidental post.

whattodoo Sun 15-Sep-13 20:55:04

ep what solution does your DH suggest?

RandomMess Sun 15-Sep-13 21:03:21

Do you have mortgage or do you rent?

ep1977 Sun 15-Sep-13 21:06:04

Random.. mortgage goes out on 12th

LEMisdisappointed Sun 15-Sep-13 21:06:44

don't just stop paying the sky, you will be contracted in - just ring up and try and cancel the contract, don't be sucked in by any "deals".

Can you maybe sign on wiht some other agencies for the supply work - my friend did supply and was on with more than one agency - it will pick up soon, i know this time of year is slack for supply teachers.

Do a "go compare" for things like house insurance and make sure you are paying the lowest possible payments, the same for car insurance - you would be surprised how much money you can save. look for better deals on your phone and internet - what about your mobile phone costs, can they be cut at all? Gas and electric can be put onto card metres, we have this and would never go back to bills, it costs about £15 year more but it works out much less because it forces us to budget with it and we never get big bills we can't pay.

Its horrible when things are tight, i know how you feel - there are lots of ways to cut costs before you start to feel the pinch just by shopping around, have a look on martins money saving website.

As for council tax, they will be understanding, if you talk to them, if you don't keep them in the loop they can be pretty unflexible.

We don't have anything on direct debit because if we don't have the money in we get charged (DP is self employed and has erratic paydays) whereas companies will generally wait a few days to a week for payments if you talk to them and let them know when you will be able to pay.

RandomMess Sun 15-Sep-13 21:07:08

Can you extend the term of your mortgage to reduce your monthly payments?

It sounds like you and your dh need to go through all your regular income and all outgoings and budget together.

Wtf - so he earns enough to cover bills but spends it on shit then moans at you?
You got bigger problems than money my friend.

ep1977 Sun 15-Sep-13 21:18:51

LEMis.. thnks for advice.. did my car and home insurance on saving websites and saved loads.. both cars failed mot s in July and Aug and needed wrk doing on them £500 in total,, both got old, cheap run around cars and are needed for work.

all dd were cancelled 2 years ago when we were way over our overdrafts... just had a meter put in for gas and that's much better. elec has not been done as a rotten backboard or something.. waiting to hear.. I should ring them..
I am signed on with the council and directly with a few schools but like u said its rough this time of year as schools don't send their staff on courses as they are busy settling their new classes. also they've just had 6 wks off so aren't ill yet!!

ep1977 Sun 15-Sep-13 21:33:51

jobs for tomorrow.. phone elec company/bank/tax credits help line

look for 0% credit card and new bank account.. set up dd to pay off overdraft as we are paying over £30 in overdraft fees each month on 3 accounts(mine/his/joint for bills) so might as well pay £30 pm to lower that debt that continuous fees for nothing to show for it
think will pay council tax though cus I know they on u pretty quick if you don't pay... or maybe ring to see if I can miss this month and pay an extra next year is it march and april you get free?

whattodoo Sun 15-Sep-13 21:40:00

Is your DH aware how much your regular bills come to each month? How does he propose covering them with the income you have between you?
If he has money to fritter at the beginning of each month, then there is no reason on this earth you should be in this mess.

confusedofengland Sun 15-Sep-13 21:40:01

I disagree with those saying pay council tax first. Ring them up & explain your situation, you will probably find they are sympathetic & will give you extra time to pay. I have done this once or twice when DH was between contracts & they have been really friendly & helpful, probably more than utility companies would be.

ep1977 Sun 15-Sep-13 21:47:22

I have told dh that the money he puts in each month is not enough. I pay for food shop and meet the rest of the bills when I do supply.. he went to meet a mate at a shooting range today.. only costs a fiver and usually has to not go as has no money.. if I ever say perhaps we could pay this or that first he says "so I work all these hours and cant even.." blah blah..

noisytoys Sun 15-Sep-13 21:59:11

It is normal now to work all the hours and have nothing left for luxuries. Me and DH both work full time and we have nothing left, nor do any of my colleagues

ep1977 Sun 15-Sep-13 22:10:39

I know noisytoys.. I'm lucky. I get to spend time with my dd while she's still young and I really enjoy working. I've applied for jobs but no luck. Got to final 4 and had an interview in august but didn't get the job. Need to pay off overdrafts, get in credit, have some money put aside for a rainy day.. easier said than done.. when I do get some supply it means we aren't getting further in debt. when I have a dy spell we struggle and then get charged

davidtennantsmistress Mon 16-Sep-13 06:25:18

I've come to the conclusion in this day and age rain day fund is a luxury, we certainly don't have any spare every penny is accounted for, what we've just started is pay day pool resources, pay everything out, then have a set allowance each per month for spends; the rest goes into an instant saver account, however, it usually comes back out as a bill will come in, so lucky if there is coppers left a the en of each month.

RudolphLovesoftplay Mon 16-Sep-13 06:38:03

I don't know much about how recruiting teachers works, but could you get a permanent teaching job? Even as a job share, at least you would have a regular income. Plus, it gives you a fallback if things don't work out with DH for whatever reason.

In the short term, I agree with everybody else about the dd's, especially sky.

You need to sort out with the DH how much is required for bills, and until you earn more he HAS to give you it. Otherwise he is financially abusing you.

MinimalistMommi Mon 16-Sep-13 09:50:54

Are you primary or secondary? If primary, can you sign up for being on 'bank staff' at a local nursery?
It sounds like you need to take control of money from your DH (is it not in joint account if he is obviously not great with money?) and it sounds like you need to do any food shopping.

MinimalistMommi Mon 16-Sep-13 09:52:03

I don't actually understand why DH isn't covering all bills while you have shortfall, I'm confused, you are not living apart from what I've read here...confused

Tony58 Mon 16-Sep-13 10:11:20

I saved £280 in one swoop by going on to a water meter. It was going to be £530 pa and it dropped to just £200 pa using a meter.

You can get an estimate by filling in a questionnaire, which I found to be pretty much spot on.

I live on my own, or have been, so the saving for me is more substantial than for a family. That said, however, I think you'd have to be a very heavy water user not to be better off.

I have no regrets whatsoever. Some people are a bit precious about their right to use as much as they want, but I don't see it that way and I do like to be as green as possible anyway.

It's a commodity, just like any other IMO, so I personally dont have a problem so long as I'm not being ripped off. (Which is very much not the case since I'm up on the deal).

ssd Mon 16-Sep-13 10:18:41

op, your problem isn't money, its your dh and how you both manage your finances.

Paintyourbox Mon 16-Sep-13 10:22:31

I think you need to sit down with your H and make a full list of ALL income and ALL outgoings. Then work out the share you are each going to pay in to the bills account each month.

In our house, we earn around the same so we split the bills 50:50. We then split any left over cash equally between us and it goes into our personal bank accounts to do what we wish.

My DP is terrible at food shopping, he will buy all the offers etc which we don't need. I food ordering online then collecting from the store has stopped that behaviour (or getting shopping delivered).

Sky defo has to go, you can't afford it.

lubeybooby Mon 16-Sep-13 10:34:02

Quoting your dh "So I work all these hours and I can't even..."

Fraid so - that's how it is for loads of people. Does he think fairies will magically cover the expense of whatever it is he wants to do?

and it's not fair of him to imply that it's somehow your fault. The bills would be there regardless.

Just because you pay them it's like he's shooting the messenger rather than realising it's these companies that need paying, not you - if you see what i mean.

ep1977 Mon 16-Sep-13 10:50:43

thanks lubey, will do that.. show him everything that needs to go out and look at our income.

feel like its me that's juggling everything but he knows the situation

manyhands Mon 16-Sep-13 11:24:55

I'm a supply teacher with no work at the moment. My DH moans BUT he works ridiculous amounts of overtime to keep us afloat. It's hard but he wouldn't spend money we don't have and leave us without enough money for the bills. If the situation were reversed there is no way you'd leave bills unpaid.

scarlettsmummy2 Mon 16-Sep-13 11:27:07

I would say don't pay the council tax, phone them and tell them you are struggling to pay. Then go and see a money advice worker at CAB.

scarlettsmummy2 Mon 16-Sep-13 11:33:13

Also, never mind about a good deal, cancel sky. You have no money in your account at all!!

tywysogesgymraeg Mon 16-Sep-13 12:11:43

Get rid of the three bank accounts, and just manage one. You are married, so what ever is his is yours (and vice versa) anyway. That's ridiculous paying 3 lots of overdraft charges.

how about just getting rid of the bills account at least, and asking DH to take control of bill paying - that way he'd have a better view of what's going in and out.

As a supply teacher, would you be able to do some tutoring to bring in extra money?
We host foreign students each summer to bring in a bit extra. That's a really easy way of making money as you don't pay tax on it. You need to have a spare bedroom, but kids could share for a few weeks if it means you'll all be better off.

Alibabaandthe40nappies Mon 16-Sep-13 12:20:33

The 'get a better paid job' isn't an unhelpful one at all.

You can only cut back so far (feckless spendthrift DH's notwithstanding), and things are getting more expensive. Looking for a better job surely goes hand in hand with looking to reduce outgoings if things are tight or you want to afford more luxuries?

specialsubject Mon 16-Sep-13 13:00:24

broadband internet is almost an essential now but sky isn't. Look for the cheapest possible landline/broadband deal, you should be able to cut that bill in half at least. You can even go to watching 'delayed' TV only on a laptop which means you don't need a TV licence, another £12 a month saved.

it also sounds like some basic shopping lessons are needed for your partner!

good luck.

Tony58 Mon 16-Sep-13 13:17:25

Well, again without knowing your home situation, it isn't necessarily about a better job but more income. (Stating the obvious I know).

There's a Government initiative call 'Rooms for rent' whereby you can earn up to £4,250. It was in an effort to help students.

Not often the Gov don't want to tax the knickers of us...

Tony58 Mon 16-Sep-13 13:20:44

That's £4,250 per year tax-free, I should have said. blush

Tony58 Mon 16-Sep-13 14:41:01

If it hasn't already been mentioned, talk to your bank manager/clerk about a bigger overdraft.

I get paid monthly, so it can dip a lot into the red and then, once my salary goes in, it goes back over in the pink.

It's unauthorised overdrafts which sting you! (You mentioned £25). I actually got my overdraft up to £2,000 as a large 'buffer'.

Another trick, which I haven't used but I know works for some, is the zero % credit card transfer for 6 months. So long as you can get on top of your plight by then it works well. I think, IIRC, there may just be an arrangement fee of ~£30...?

One last idea to consider. My neighbour recently got all the things which he doesn't use or need and sold the. I've done this myself whereby I ask myself "if I haven't used it or worn it in 3 years do I honestly need it?"

Then sell the items on gumtree, which is free and easy to use. (Not costly and faffy like ebay). My neighbour raised an astonishing £200 from doing so; from stuff he'll never miss.

Good luck

Tony

ep1977 Mon 16-Sep-13 18:41:33

thanks Tony/ some great advice given.

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