Advice needed guys - I owe RM £200!

[crezz]

fecking hell! 66k between you and you cant afford to pay back money that you owe!?

[gunny3k]

Now why do I feel unsympathetic...

[stephen500]

66 grand between you and you still struggle.

Think shes on about 46k before tax, and im on 20 before tax, so its 66k before tax, which is what ? a 1/3? So lets says around 46k a year. Mortgage swallows £20k of that. So thats 26k over the year. Thats £500 a week for the 5 of us , all in, including food/clothes/phones/sky/broadband/mobiles/holiday/car/loans/4 cred cardsbetween us/windowcleaner/haircuts/school fee`s/school dinners/dog food/birthdays/xmas/debt plan from past. Im sure there`s stuff ive missed too. It doesnt leave much to play with. lol

We keep a family of four on £32000 a year. Spend between £80 to £95 shopping.

[clashcityrocker]

/windowcleaner//school fee`s/

Window cleaner - LOL
School fees - are the kids at a private school?

[fishtank]

Window cleaner - LOL

What's so funny?
I've got window cleaner as well...it was only £1.49 from tesco.

[arty_morty]

How about reducing your Sky to the minimum service. If you're a football fan there's nothing to watch until August anyway. 3 months of that and RM will have their money back. Just as an aside to that a £200 debt seems, from what you've said to be quite low in your grand scheme of things. The best advice I can give is make a few sacrifices for a while.

[Straight4ward]

Obviously JCL, it's your life and you'll live it the way you want but try and get rid of the stuff that's not important to you. Try and settle the bills that you're paying the highest interest on, credit cards probably.

The best lesson that I was ever given was by a monk who taught me to distinguish between 'need' and 'want'.
I stopped wanting crap that I didn't actually need. Life became much easier to bear after that and much happier.

[dvbuk55]

How about reducing your Sky to the minimum service. If you're a football fan there's nothing to watch until August anyway. 3 months of that and RM will have their money back. Just as an aside to that a £200 debt seems, from what you've said to be quite low in your grand scheme of things. The best advice I can give is make a few sacrifices for a while.

Sky is pretty basic as it is. I do watch most sports,infact its all I do watch. We get the sports package along with the basic package, and mutli rooms as I use the spare room to watch stuff.

So you have the Adult Channels then JCL

[TrueBlueTerrier]

How about reducing your Sky to the minimum service. If you're a football fan there's nothing to watch until August anyway. 3 months of that and RM will have their money back. Just as an aside to that a £200 debt seems, from what you've said to be quite low in your grand scheme of things. The best advice I can give is make a few sacrifices for a while.

Sky is pretty basic as it is. I do watch most sports,infact its all I do watch. We get the sports package along with the basic package, and mutli rooms as I use the spare room to watch stuff.

So you have the Adult Channels then JCL

Voice of experience

[Indy]

/windowcleaner//school fee`s/

Window cleaner - LOL
School fees - are the kids at a private school?

State Schools just hide their fees..... "Contributions" I believe they call them.

[fishtank]

State Schools just hide their fees..... "Contributions" I believe they call them.

School fund.
Milk money.
Endless "Coffee Mornings".
Dress down day.
Dress up day.
School trips.
...and the best one yet...my teacher is retiring...we have to give £1 for a present.

[clashcityrocker]

State Schools just hide their fees..... "Contributions" I believe they call them.

School fund.
Milk money.
Endless "Coffee Mornings".
Dress down day.
Dress up day.
School trips.
...and the best one yet...my teacher is retiring...we have to give £1 for a present.

And a xmas present for the lollipop man/lady.

[hubbahubba]

You owe 200quid,and you can't pay it back on that joint income?I struggle to believe that.I got a mortgage and kids,live in a small terraced house,and we share a car.Money is tight,and i go without,so to be moaning about £200 seems a bit of a wind up.The whole world economy has gone tits up with people like you living on the never never.If you aint got it,don't spend it!

[Straight4ward]

hubbahubba wrote;
The whole world economy has gone tits up

- - - - and who are we to argue?

[dvbuk55]

School trips? My son must have travelled round Europe twice with school trips, college trips, Uni trips and the nights out.................phew, I'm surprised he learned anything