If it weren't for DF's Dad we would be in serious trouble. He just paid DF's rego and to fix a part on his car.
DF has been fixing his car with the help of his Dad for months now to save money. It saved heaps but was still more than we could afford as he in on apprentice wages.
We are extremely lucky to not have to pay electricity or any bills except rent (weekly), internet every second month and phones. That said our house is too small for us and we are struggling to stay here as long as we can so we can pay back DF's Dad.
I hate being in debt and have never lived this way my whole life. I am an awesome saver and people always borrowed from me so I hate this.
Sent from my telecommunications device.
I'm so stressed about going to the hairdressers tomorrow (it's been 7 months and starting to really effect my self esteem) because I know I can't afford it and it's probably gonna be around 300. That's the problem with hairdressers if you're not a regular you have no idea what the damage is going to be.
Being on 1 wage is hard, we get by but I just hate having to ask DH for money (we still have separate accounts the other can't access) and I haven't spent a cent on myself since my paid leave runs out. I hate being dependant.
Little Miss Sunshine (06-11-2013)
A few months ago I went through all our bills and divided the total amount of each bill into a fortnightly cost (i.e. electricity comes 3 monthly so divided the total into 6, phone comes monthly so divided the total into 2) and set up standing BPay fortnightly payments to those bill accounts. So, instead of getting a bill, I get a zero balance or a small credit or a small bill. It is working really well.
The only thing you can't do that for is Rego (in QLD) and insurance, but rates, everything else it works for.
Yup I here you. I'm on half my pay at moment as on maternity leave and DH earns a good wage and we are living with inlaws trying to save to buy a house and even then we find it extremely difficult to save! Just paid hospital bills as bub was born 2 weeks ago, just paid electricity and put some money away for photos of bub that will be due soon. Have one car paid off the other on finance though will probably sell the car that's paid off to use towards buying a house. Then buy a cheaoer 2nd hand one with cash only before i go back to work. Everything Is so damn expensive. Have cut out on spending too though still can't seem to get ahead. Makes me worry how we are going to pay house repayments
Yep money hurts we have no savings and spend at least 250 a week just on paying off different debts and that's without any regular bills. We fell behind on rent and our electricity while we have been waiting for ppl to kick in. My daughters bday is in a couple of weeks and I can't even afford to throw her a little party which I really wanted to do because we just had another baby and feel a day focused in her would be good. Hoping that the next few weeks we can start to improve things as PPL gets paid this week which should catch us up on rent and we have almost caught up on electricity as long as another one doesn't come now lol. Also DF is starting to get overtime cos it's busy season so his work is placing his overtime pay into out bills/savings account so we can start to get a bit of savings ahead.
Also does anyone have any experience dealing with debt collectors? I missed a few payments on a centrelink debt and when I called them to sort it they said it had been referred to a debt collector. I then called the debt collectors to work out a payment plan and they tried to tell me that I had to pay $500 down payment and then $200 a fortnight!!! There is no way I have that kind of money but I'm not the sort if person to kick up a fuss :/
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