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I am so fed up of running out of money

20 replies

ifeelstressed · 09/06/2008 10:32

Just need a moan really but I get paid around £433 sometimes £477 a month from my job working 2 night shifts in a nursing home.

Out of this I pay £110 council tax, £123 loan which I had for new windows, conservatory, and porch, £60 petrol, £37 pension, £40 a month school dinners and football club, £27 credit card.
These are just the essential that have to be paid.
I live with my partner and he handles his own money as he doesn,t trust me with his account lol, but he pays everything else mortgage, gas, electric, phone, grocery, water rates, tv license, etc.

We both run a car each and I also have to try and cover any repair bills, road tax, car insurance. out of my wages.
I am finding it increasingly more difficult to make my money last, these wages even have to stretch to buying clothes for myself and my ds.
I am running out of money a good 2 weeks before I am paid and I feel so miserable.
I realise that there are certain debts that could be scoffed at such as my loan and credit card.
I am such a mess.
My dp can,t help out as he pays so much and doesn,t have that much left either.
I am continually borrowing off my mom and dad and they have let me off so many times with paying it back and I know that cannot continue.
Doesn,t even look as though we can afford a holiday this year.
Every time my dp gets a big repair bill on his car it goes on his credit card as he can't afford it.

OP posts:
ifeelstressed · 09/06/2008 10:34

I meant to say that I get an additional £116 a month child tax credit and child benefit.

OP posts:
Cammelia · 09/06/2008 10:34

Could you survive with only one car?

mrsbabookaloo · 09/06/2008 10:36

Just wanted to bump this up for you and offer some sympathy. I keep running out of money too, but looks like we are not quite so strapped as you.

Hope somebody comes up with some good ideas!

windygalestoday · 09/06/2008 10:38

Are u getting all the benefits you are entitled to?

eventually your loans will be finished and that money can be reallocated

can u cut corners somehow? packed lunches for ds- do u need a second car?

can u work more nights?are u able to apply for bank shifts at the hospital can you offer another service in the nursing home during the day such as craft or laundry?

without being offensive you need more working hours per month to stay solvent.

can u work another job in the day ? cleaning offices or bar work at night?

can u sell anything on ebay?

ifeelstressed · 09/06/2008 10:40

cammelia
We have spoken about it but have decided it would cause too many problems.
We have decided to try and keep hold of them.

I am worried though because the cars are getting on especially mine and I know I won,t be able to have another one when it eventually packs in.
I just can't see any hope for the future.

OP posts:
choosyfloosy · 09/06/2008 10:41

I'm useless with money too and have separate accounts with my partner as well.

However, speaking from experience in my first marriage, having separate accounts makes it much MORE important that you spend a LOT of time talking with your partner about budgeting and money.

I am a little about 'even clothes for myself and dd'... have you had a long conversation with your partner about what clothes you really need? Clothes buying is something that can be cut really hard - just ask around the family and friends for hand me downs.

It does sound as if 2 cars is a masive strain on your family. If you need the car to get to work, what about giving up work? Would it really make much difference? You're only getting, what, about £46 a month tax credits - you'd still get the child benefit? yes, life would be harder, and duller, but a lot less stressful re money. Poss worth it for a year or two at least?

choosyfloosy · 09/06/2008 10:43

no, having looked at the wages, i'm sure the car is costing you less than you earn.

However, could your partner or anyone else from work give you a lift?

How long is your commute?

Could you trade in your current car for a diesel to spend less fuel?

ifeelstressed · 09/06/2008 10:47

We are getting everything we are entitled to.
We are also with the cheapest gas supplier etc that we can be.
I hate saying this but I have another 8 years before my loan is finished.
I know my job working 2 nightshifts is not adequate but I find them so tiring they work out at 21 hours a week.
Getting a day job seems so complicated nobody to get my ds to and from school unless I pay a child minder which may defeat the object of more money.
I would also hate to never be at any of my ds's school plays etc.
I know I may sound as though I am making feeble excuses.

OP posts:
choosyfloosy · 09/06/2008 10:56

no ifeelstressed they are not feeble excuses at all

sorry if we sound like stern interview panel

it is very very easy to be punitive about other people's money issues - it's so miserable when you can't find a way out, i have been there many many times

ok i agree with windy, i think you do need to earn more - and I am in awe at your night shifts caring for others, that's really stressful and exhausting. You're doing great.

there potentially are day jobs out there; how old are your children? since they are school age, all may not be lost.

Are they at an age where the oldest one could take responsibility for taking the little one to school? Could another parent pick them up on the way to school? Could you swap 'you take my child to school; i pick yours up from school?'

I'd agree that something could do with changing. Do you work through an agency? There may be daytime care work available?

ifeelstressed · 09/06/2008 10:57

I commute about 5 miles to work.
My car is so old that I would probably end up with soemthing worse if I changed it.

I have to be honest I have been fairly lucky with my car on the mot side of things its got through without anything too major.
Nobody at work lives anywhere near me to give me a lift.

I really think it would cause us alot of disruption with just the one car.
My ds is due to start at another school within walking distance september so I am hoping that will save me some petrol.
However the commute to his cuurent school is only about 3 miles so I maybe will not notice that much difference.

OP posts:
choosyfloosy · 09/06/2008 11:00

Sorry to say this but 5 miles is cyclable in my book (I cycle to work so I am not being too hypocritical I hope).

If your ds is too young to cycle 3 miles each way (my ds is 4 and I think it would be too far for him) then perhaps your partner could drop him off at school?

I do think that losing the second car could be a major release of pressure on you.

But I don't live in a rural or isolated area so that makes a huge difference.

Earning more is a better way, I do know that.

wannaBe · 09/06/2008 11:01

You need to do some serious economising.

Look at the things you have, and whether you actually need them or whether you can cut down. so:

television/broadband/phone/mobiles:

Do you have sky? If so is it full package? and if so do you actually watch it? or could you cut back on the movies/sport to reduce the cost?

Do you have broadband? If so what speed is it? If a high speed you could cut this to a lower speed as you won't notice when just surfing the net.

How about your phone bill? Do you have a landline and mobile? and if mobile is it contract or pay as you go? If contract can you change to PAYG and do majority of phone calls from your landline instead?

Ditch the school dinners and send packed lunches instead. You're cooking for you/your dp anyway so it's not going to cost you any more to cook for your dc.

Get a breadmaker from freecycle and make your own rolls for dc lunches and bake cakes/biscuits as well - that way you only have to buy fruit/drinks for lunch boxes and it works out cheaper that way.

Seriously consider getting rid of your car. Presumably dp is home with dc in the evenings so you can take his car to work and he doesn't need it then. Why do you need a car during the day? Do your mass grocery shop online and have it delivered. It's a fiver maybe once a month if you do the shopping well, and other than that you can walk/use public transport if absolutely necessary.

ifeelstressed · 09/06/2008 11:02

I only have one ds who is 7.
No other parents live near me however that could change once he is at the new one.
tbh I have never got friendly enough with another parent to ask faviours like that.

I do know that maybe ina few years my ds will probably be able to take himself to and from school, and be left for a little while until I get home etc.

OP posts:
ifeelstressed · 09/06/2008 11:20

WE don,t have sky, we do have broadband, we are on a package with talk talk it includes the phone and broadband all for around £23 a month.
Both of our mobiles are pay as you go.
I barely use mine I spend about £5 a month on it, my dp probably only spends £10 at the most.

I would feel lost without my car I have elderly parents and I am the only one around in the day to escort them to hospital appointments etc.
I suppose though I could take my dp to work in the morning and then keep his car for the day.
My dp is very reluctant for us to be a one car family he thinks it will cause alot of problems.
I can see his point sometimes I am needing to be somewhere else at the time he would need fetching etc.
My ds is a funny eater at home but tells me he always eats his meat, potatoe at school etc.
He is happy with just sandwiches for tea.
It also seemed at times that I was spending almost as much on packed lunches, trying to find differnt alternatives when he got bored of things.

OP posts:
choosyfloosy · 09/06/2008 11:25

i think things are very tough for you ifeelstressed and i hope they get better. i think your ds going to a school very close to you is a great thing, and life may look better at that time.

and don't feel too bad about your parents helping you - i am sure they want to, and that you clearly repay them with love and time.

Cammelia · 09/06/2008 12:46

I think you may have to compromise on the car thing, lots of people do what you could do , ie you could take your dh to work and back giving you the car for rest of day.

Cars eat and drink money.

MrsThierryHenry · 10/06/2008 12:57

I'm strapped at the moment too - my DH is working freelance and I'm living in London looking for a job. Don't feel guilty about your debts - most of us have them these days. It's not an ideal way to live, but beating yourself up will only make things worse. You don't need to give up! With a little creativity you can always find ways to save even a little money:

The car thing sounds like your biggest problem, and maybe I'm reading too much into this but I'm guessing it's your dp who's least keen to make a change here? You both have to face the fact that if you want things to improve, they simply have to change. But you can get used to new ways of doing things, and if you think 'sideways' you can come up with creative ways to save yourselves a heck of a lot of money on transport.

Can you car share - with your partner, or even with a friend (perhaps you could afford to get rid of both cars altogether if you have a friend who doesn't use their car very often).

Re car + parents, I totally sympathise. I was always taking my father to hospital appts - though I don't drive, so the hosp arranged patient transport. Why don't you ask the hospital about this, and explain your circumstances? You should speak to the receptionist of the clinics where your parents go.

Start walking more, or borrow a bike and put a shopping basket on it

Do all your food shopping in small supermarkets (not the biggies like Tesco's) and markets

It's hard not to buy clothes, but why not: (a) try 'vintage' - second hand shops; (b) create new outfits using belts and other accessories. Look at Channel 4's website for tips from the How To Look Good Naked programme. Believe me, it's possible to refresh your wardrobe without spending a penny. Maybe you could even get your sewing kit out and start customising - adding buttons/ ribbon, etc, to old outfits that you don't wear. Even ask friends for their hand-me-downs. Don't be too proud - there's no shame in not being loaded.

Energy use/ bills:
Do you have to use hot water all the time? Sometimes you could make do with cold, eg for washing hands/ face/ cleaning your home

Switch off lights you're not using

Don't switch on a heater - put on a jumper

Try to find new uses for household items, e.g. re-using food packaging for storage/ sandwiches, etc.

Cook in bulk and freeze - that way you'll save money by only reheating half your meals, not cooking from scratch every day. It will also give you a little more time every other day if you already have dinner prepared.

Food:

Always make your own lunch - including school dinners!

Cook everything you can from scratch. E.g don't buy pasta sauces - get a bowlful of cheap tomatoes from the market for £1. They'll be on their last leg so chuck them in the oven straight away with crushed garlic and olive oil. After roasting for 30 mins, scrape the whole thing into a bowl to cool - instant basic pasta sauce. Or you can do the same thing on the hob instead (roasting creates a fuller flavour).

At the same time, get bowls full of other cheap veggies for roasting - then chuck them in the oven alongside the tomatoes. Roast them with onions, liquidise them, add a bit of stock (or a cube) and you have an instant soup.

Don't buy cakes or biscuits - make them! If you google 'Guardian guide to baking' you'll find a great list of recipes from the Guardian newspaper last November. Last night I made a batch of about 40 fab cookies - peanut butter/ oat and raisin. It costs much less than buying.

Good luck!

MrsThierryHenry · 10/06/2008 12:58

RE cycling - you could get a child cycle seat (pricey to start with but maybe you could look at 2nd hand - e.g. boot sales?)

TigerFeet · 10/06/2008 13:05

your credit card and loan repayments - what % are they at? Could you get a new loan to cover both of them at a lower %?

noddyholder · 10/06/2008 13:21

Is your partner your ds's dad?

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