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    1. #11
      Got husband, need wife! Dr Spouse
      Location
      In my mad scientist laboratory, getting children to do difficult things
      Posts
      13,395
      Can you get rid of/use a car less? Of course fuel has gone up but everyone forgets how much wear and tear costs. May be worth getting a bus pass?
      Anything to be saved on holidays? If you have put down a deposit but it would be cheaper not to go (a common money mistake is throwing good money after bad).
      We gave up eating out after Mr S was made redundant but I reckon we spend almost as much on takeaways
      Do your kids do other clubs, and can any of them cut you a deal?
      Can you sell on e.g. outgrown uniform, any old handsets? Anything in the loft you could sell?
      Any benefits you might be eligible for?
      Any way to get a better mortgage deal (this has been our saviour).

    2. #12
      Damsel Diva Velvet Chain
      Location
      Wiltshire
      Posts
      8,125

      Re: Cost of living moan & WWYD if your outgoings exceeded your income?

      Ditto what everyone has said, after all the bills have been paid there is pretty much nothing left at the end of the month.

    3. #13

      Re: Cost of living moan & WWYD if your outgoings exceeded your income?

      Same here. When Jack was a baby (six years ago) our spending habits were quite bad (e.g. buying clothes and toys new) yet now with Olive as a baby, everything is second hand and we barely go out, yet we are no better off

      When it finally (if ever) gets better, we'll all be more savvy spenders I actually saved up some tokens from Esso to get a free cinema ticket, and DH and I are going to use it for a cheap night at the flicks next weekend - we're so excited - how sad is that!!!

    4. #14

      Re: Cost of living moan & WWYD if your outgoings exceeded your income?

      Quote Originally Posted by clowe74 View Post
      When I do the weekly shop I would go to asda first then go get the offers from aldi. Every week I would look and think I have just bought that in asda for a lot more s this week I went to aldi first then asda for the bits I couldnt get and managed to knock £40 off the bill, will definetly be doing this again
      I do this too Clowe. Takes more time but definitely worth it

    5. #15
      Wanky Crack Ho Ruby
      Posts
      5,958

      Re: Cost of living moan & WWYD if your outgoings exceeded your income?

      Honestly I think you're doing what you can. You might try the MSE forums for tips on food shopping but, to be honest, I found it quite dispiriting. Everyone seems to enjoy scrimping and making a chicken last six weeks and it just made me want to cry. I don't think the savings you can make are HUGE in the long-term but it is helpful if you find yourself with only£20 to spend on food one week.

      Partner and I have been brassic for about 3 years. I made huge cutbacks at Christmas and Birthdays. I do surveys online and collect Nectar points for Amazon vouchers and they paid for Son No.1's DS. We thought we might get rid of one car but it would mean severely limiting the work we could do. (First World Problems ).

    6. #16
      Damsel Diva TopStar
      Location
      In the sky
      Posts
      12,065
      We are now selling a lot of stuff we don't use / need to make money for anything we spend. DH used music magpie to sell some of his CD / DVD collections. CD/DVDs are usually pain to sell on eBay for the little money you make but music magpie take the bulk of it & offers reasonably good price.




      June 2011 Mummies

      Oana 12 June 2011
      Potage 15 June 2011
      Sarah Louise *Awaiting date*

    7. #17
      Biker chick Damsel! stacey86
      Location
      Kent
      Posts
      9,881

      Re: Cost of living moan & WWYD if your outgoings exceeded your income?

      We are in a very similar situation. It is very deperssing, it almost feels like it is a never ending battle

      The way we have managed is for DH to get a second job, bless him. I am on Mat leave and due back at the end of May so no doubt with DH working 2 jobs and me working 12 hours Sat and Sunday, we will be like ships passing in the night.

      We have also changed gas/electricity suppliers. Cut back on food shopping and we have found it easier/cheaper to not do a big food shop we buy just en

      My butterfly born 03/11/06.


      My 2nd butterfly born 24/10/11

    8. #18
      Biker chick Damsel! stacey86
      Location
      Kent
      Posts
      9,881

      Re: Cost of living moan & WWYD if your outgoings exceeded your income?

      We are in a very similar situation. It is very deperssing, it almost feels like it is a never ending battle

      The way we have managed is for DH to get a second job, bless him. I am on Mat leave and due back at the end of May so no doubt with DH working 2 jobs and me working 12 hours Sat and Sunday, we will be like ships passing in the night.

      We have also changed gas/electricity suppliers. Cut back on food shopping and we have found it easier/cheaper to not do a big food shop we buy just enough for a few das and then go shopping again when we need to! It stops us buying unneccessary food and bits and cuts down on wastage too.
      Last edited by stacey86; 29-04-2012 at 07:11am.

    9. #19

      Re: Cost of living moan & WWYD if your outgoings exceeded your income?

      I have an all in one interest only mortgage. ATM, we have made the decision to pay interest only. Its the only way we can survive.

      Whats crippling us at the minute is csa. I know I shouldn't bitch, but it really does hurt our finances to pay over £400 a month to a family with nearly double our income, and none of the childcare or housing costs. And that tax credits don't consider csa, so even though our actual take home is 3/4 less, we don't qualify for any help under the new rules.

    10. #20
      Counting my blessings
      Posts
      15,516
      I agree with you that the cost of living is astronomical. It depresses me on a daily basis.

      Shopping around can save a lot if you have the time. Also Ebaying anything you can (have you got any of the boys' baby stuff still? That usually sells well). If you do have to buy anything then try and use Quidco or join voucher sites - good for getting the odd family day out mega cheap.

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