How poor do i obligation to be to be entitled to a council house?
Question:
I'm 27 and i live alone. Have no family and earn 14k. Any fortune?
Answers:
nah doubt it i want one too. hows about me and u both quit our job, make some babies and buy some tracksuits and see what kismet we have consequently? we can sit round watching jeremy kyle together all year.
You can only apply. I know inhabitants who are not in a desperate situation that hold council house's. It just depends what they own available and where you are of a mind to live.
If you work, you have no break. Similarly if you are of British origin - you hold no chance.
Your best bet is to pretend to be a 14 year aged girl who is pregnant by her somalian lover.
NO CHANCE. Become a drug addict, marry an unendorsed or go on the dole next maybe you might stand a randomness. God loves a trier but the bloody council doesn't.
Yes register with your local council.
It isnt a shield of being poor but what your circumstances are.Most councils work on a points system-where you currently live,your facilties,children etc
I get a council flat when I had be sharing one room with my husband and be expecting our first baby.We have to share a kitchen and bathroom.I had be on the waiting list for 3 years up to that time that when I first got married and be living in one room next to my parents.
So the best thing is to sign on for one presently and then hang on to updating as things change within your life.Nothing to do beside being poor.
By the agency I bought my first house when my son was 3 months dated 15 years ago so you can change your circumstances for the btter if you really want to.
The council within most districts dont go on the certainty of how much you get rewarded to it entitling you to a property. Around my area you could be on 30k and still be entitled to a house. Its your other circumstances which entitle you to a house, such as how abundant family member (Number of children you have), other appropriate things maybe that your current residence is contained by a poor state of repair and how badly you obligation a house (such as if you are homeless)
everyone gets a fair-minded chance, brand name your application stating that you do not earn enough to buy your own property. lots of councils hold schemes where on earth you can buy a property a piece at a time.
not much chance I'm afraid if you want one soon - the council have a duty to rehouse people who are within priority need and involuntarily homeless and only after that do they consider others.
To fall over into a priority need group the applicant wants to be either a line (or pregnant), escaping domestic violence, hold a disability or be vunerable for some other reason.
Uninetntional homelessness comes around if you did not bring the situation on yourself (ie you hold not endangered your housing by failing to remuneration rents etc)
Having said all that it is worth registering near your council to go on the housing account - anyone can do it, it doesnt depend on income. your council may have some smaller properties available which may be apt - most people who budge to the council are families so they may hold some one bedroom flats which are unused. If you go on the schedule you will then enjoy the right to be considered for housing association homes as well and you may be capable of get a home through that.
Its worth a try - nil venture, nought gained etc!
Everybody is entitled to a council property - but you will necessitate to go on their enumerate....however, the likelihood of you ever getting one is nil! Your competent to afford private rent, single with no dependents so lamentably you would be way track at the bottom of the list. As near are always women own kids left right and central part you will be lucky if you have be offered a property within 20yrs.
Tell them you are a Muslim immigrant and enjoy no where you live. That will put you to the top of any queue
Sorry to vote Councils don't work like that ,Depending on how long the roll is and how many points you hold ,
I enjoy a million dollars what should i do next to it?
Question:
Answers:
make the world a happier place
Give some of it to me.
yeah, right...
Do the things you want to!
Free the whales !
Please offer it to someone who can really use it... like me! lol
Keep 10% and share the rest.
Go to St. Martin within the Caribbean.
Put it in the dune and use interest to make it grow. Don't debris it on parties and cars and such.
Put partially into treasuries to get a guaranteed return exempt from state and local import tax. Then put 25% into munis ahich will be tripple tax emempt (if you buy those issued by your state of residence) and the other 25% play the marketplace.
your first obligation is to repay taxes on the money, and then allocate a portion to investments. When the rest of the money have been spent, you could live bad the interest generated by your investment.
If someone somehow get a million dollars, I think the best article to do is sit down with an accountant and amount out how to invest it in a tax-sheltered investment of some sympathetic, where it will procure lots of interest. Then you can have fun doing anything you want with the interest and the million will other be there for you.
You could even divide it up and own some of it in one rationalization for your retirement, some in another portrayal for other needs, etc. Some of it could be within a low-risk investment and some in a high-risk, etc. Then you could enjoy fun watching to see how much $$$ the investments are making each month, and you could prefer whether or not to spend the interest on things you want, without have to feel guilty in the region of touching the principal.
On a relative scale, a million isn't really that much anymore. It's not REALLY adequate to turn you into a rich person. If you basically start spending it, it wouldn't take you that long to burn through it. That's why I conjecture the better thing is investing.
Put it on black
Are you serious ? ;l
Mmm, if do, u should donate some of ur money to charity and others spent for ur business fairly then spent on drugs or unneccerly things that bring you contained by jail. Ive hear many storys of millionaires expiration up to jailed or fines.
Spend it ,build ye own house ,give sum to charity I dont know do the things u ave ever dreamed of doin
supply ALL to ME !! lol...
invest in stocks or property....
Take guardianship of yourself first, then share the fortune. LOL
spend it wisely you will be amazed how rapid it would go!
Invest it honourable growth stock mutual funds.
Invest in the adjectives...ask yourself.in today's society how various kids "really" have a randomness to "BE ALL THAT THEY CAN BE"? Very few.I feel the school and the people who "run" them are failing the kids of America. The institution budget cut backs, "NEW AGE" instruction methods (particularly sight reading and removal of phonics), alcohol and drug verbal abuse, single parent families, and gang, I can go on and on. This is what wishes to be addressed.
We see it everyday and do nil but complain to those around us who will listen. These kids need ADULTS to stand up for them and show them how critical they are and how important the decision made by them as well as the adults around them will impact their adjectives. We need to describe America...it's time to take put money on the lives of our kids today so they have the arbitrary to build for their future.
There is no path on earth you own a million dollars. You are also very childlike. So take your spectacular million and wipe your *** with it...I'll preserve mine invested in my businesses...
Depending on your age, I would put anywhere from 50% to 100% within several mutual funds with suitable track records and put the remainder surrounded by fixed income investments (U.S. treasury securities, CD's). The younger you are, the more I would put in mutual funds.
A million bucks is not assured to accumulate and, if invested sagaciously, will make your retirement years much more pleasurable. Also, having a significant sum of money within solid investments, gives you something deeply important -- personal freedom to thieve actions that would not be possible if you be living paycheck to paycheck (like changing job to doing something you really enjoy or enhancing your education).
i could use some of it for ya! and you could buy some toilets for ethiopia
after allocating taxes, invest it and spend your gain
How much sooner will I clear bad my mortgage making bi-weekly payments.?
Question:
I have a 15 year mortgage, beside 6 years to go. It be for $80,000, @ 7.0 interest, payments $745.91 a month.
How much sooner would I get it remunerated off next to bi-weekly payments?
Answers:
On average, paying your mortgage every 2 weeks rather than once a month or twice a month will store you about 3 - 4 years past its sell-by date the term of your mortgage. The extra 2 payments per year when paying bi-weekly do certainly help and you will collect thousands in interest. Even freshly boosting your mortgage payment by $25 per contribution will save you another year or so on the residence. With the info you have given, have you been paying bi-weekly from the start, you'd probably one and only have 2 years gone on your mortgage.
It is true that if you could pay your mortgage on a daily basis that it would actually set free you money. However the big saving is made when you cut down from monthly to fortnightly payments. This is incompletely because you are reducing the principal amount that interest is calculated on but mainly because you are in truth making an extra payment respectively year as there are 12 months contained by a year but 26 fortnights. So if you are paying monthly at the monent it could make a big difference (about 3 years on 15 years) but if you are already paying fortnightly or more regularly it won't create a huge difference.
This is my favorite mortgage calculator website:
http://www.jeacle.ie/mortgage/
You can try different scenarios and see the numbers at hand.
Most mortgages will allow you to add to the principle when you fashion a payment. Make sure nearby is no penalty. Pay extra ever month. If you can switch the discipline it takes, afterwards you'll be better off than refinancing to a bi-weekly loan because you are not OBLIGATED.
I discharge extra every month, and normally it's equal amount, but sometimes if I have extra bread ,it's more!
Go for it!
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Does anyone know what freedom financfe are approaching? I enjoy adverse credit and cant choose a conventional ridge loan..?
Question:
do freedom finance charge an admin duty, any other loan companies that deal near adverse credit but dont charge fees. hope someone can help. thankfulness
Answers:
Wake up an see where you are head before it's too slow.
More loans = more debt you can't afford = IVA = Bankrupt = no job, no home, no hope ...
You know it's time to stop spending and reimburse it all backbone when the Banks refuse to increase your mortgage / overdraft / credit boundaries ...
You might as well start selling your stuff on eBay immediately - you will get more for it immediately = sell back the Bailiffs come round and use the money to pay sour debt and maybe you will a moment ago get by .
If it's already too slowly, DON'T get another loan = instead dance see Citizens Advice Bureaux about IVA = DON'T spend even more money you havn't get in fees to the rip-off Companies that hype on TV (TV ads cost money = who do you muse pays ?)
If you allready have a discouraging credit history why would you want to go down that road again, righteous luck think since you spend.
Their rates will be higher due to the adverse and they ebb and flow, so you need to receive confirmation of the exact rate from them. They will all in general charge a fee as you are classed as illustrious risk and these companies like making money. If you are getting the loan to consolidate other debts,and dwindle outgoings it may be the better way to getting yourself on track or try the consumer credit helpline they do a debt direction plan (not an iva as its a charity and its free). Good luck and be carefull.
I am Scott Wine and i saw your question roughly speaking needing a loan,In the internet they are alot of co men out near.I decided to answer your query to prevent you being deceive.
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My moto is if you can`t afford it don`t have it..!
Mortgage problums?
Question:
I bought a lovely four bedroom home two years ago when my company was realy booming but over the final few months work as just died my outgoings are deeply more then my income and i stipulation to sell my house is in that any way i can not retribution my mortage untill my house is sold then wage of all my arreas contained by one hit.
Answers:
Sounds as if you have some collateral within the house, it rather depends on how with alacrity you can sell, you could speak to you mortgage supplier around a deferement. or take a casual and try to sell in 3 months, as you can stall them for that time, best of luck
I would discuss with your dune \ Building society but unless you have built up a wherewithal reserve (ie you have made over payments) after I wouldnt think so. You could put your house up for auction, although you may not catch market price.
There are alot of companies in our time that buy houses quickly, and win you the revenue in a couple of weeks.
Again, they will offer you a price below market advantage.
Still, better than the bank reposessing!!.
Hope you find a track to sort it out quickly
Even if you've made extra payments to reimburse down the principle, you can't just stop paying your mortgage. Well, you can, but later you run into the chance of ruining your credit rating, mortal taken to collections and potentially having the house forclosed upon and losing everything you've put into it.
Go to your mortgage holder and see if you can arrange to put together deferred payments or come to some arrangement that way instead of lately defaulting.
Besides, you don't know how long it will take for your house to put on the market.
Most likely your edge is going to want you to at least engineer the interest portion of your payment. If you want to put up for sale quickly, see if you can find the book, "How to Sell Your House contained by 5 Days." I got a copy at the library so you might check here first. You sell your house yourself and the author say it will work anywhere.
Contact the mortgage company, explain the situation, and tell them you are planning to get rid of to cover your debts. They will have no problem waiting for their money.
I entail to brand name lb1500 quick. any thinking??
Question:
Answers:
How fast is in haste?
The first thing I would do is shift through all your posessions and accumulate together everything that you might be able to market. For basic second-hand goods, ornaments etc a car boot public sale is probably best. For clothes, accesories (particularly designer ones) try ebay. For books and CD's try Amazon or Greenmetropolis. Furniture and larger stuff like bikes can be worth index in your local newpaper ad or on the ads board surrounded by your local newsagents.
If you have a motor and you can do without it by using public transport or walking selling that may be the quickest means of access to raise the brass in one shift.
If you've got a bit more time try getting a second assignment - a few evenings a week in a inn or a Saturday in a shop - or even deliver telephone directories or setting up as a self-employed cleaner (you will inevitability to check what tax law apply if you do this) - it may take a month or so, but if you live frugally contained by the meantime (no going out, basic food, no clothes shopping) it should be do-able.
If it's an emergency and you own nothing to trade consider taking out a credit card with a 0% promise then getting the second opportunity to pay sour the debt before the introductory proposal ends.
Try this site too: www.moneysavingexpert.com - some good philosophy there.
try this
http://cgi.ebay.co.uk/ws/ebayisapi.dll?v...
seize a job!! try temping perchance if you dont want something permenant??
need a bit more info i.e. how antiquated are you, country of residence, credit rating etc. etc. - I am sure you will get some suggestions for selling varied parts of your anatomy from the wags on this site.
If you move about down the credit card route then watch out about which card and hold on to swapping the 0% rates offered for card transferance.
Haha, youre a female and youre asking this sort of interview? Good luck sifting through the obvious answers you will take from this!
sell drugs
what the first guy said
loan
parents
friends
Heres a quote that might give support to
Beg Borrow Steal
yes you can try borrowing it from a bank or a nouns loan provider
High quality printer and skilled artist friend. Oh, and some paper that doesnt daylight under ultra mauve light
Medical experiments. The assured way to take home a quick buck and grasp a free trip to intensive care!
invest lb3000 contained by the Uk stock market - by the bring to a close of the day you will hold lb1,500 left.
Sell something at a lattice profit of lb1500.
Get a job at a network pay of lb1500.
Take a loan of lb1500 and settle as you work.
If u r recieving SSI benefits is the panama for currency contained by your sandbank acct $2000 per report or the total for adjectives?
Question:
Just need to know if they are truism that you can only own 2000.00 per account or is it 2000.00 regal total for each sketch you have.
Answers:
The SSI cut-off date is for all assets :( You simply have to hold nothing to qualify.
Please respond if you hold a Capital One Money Market commentary ?
Question:
I want to know do they send actual deposit slips for you to deposit money ? I do not trust them to own my checking account routing number, because if someone make a mistake they can clean out my checking sketch
Answers:
they send you envelopes they are the deposit slips
Anyone hold personal experience near Washington Mutual, or Commerce Bank? (NJ)?
Question:
Hello! :)
I am thinking of starting a checking account. I will not be writing checks so much as I will merely be despositing money, using the debit card, and checking my balance online. I may also association the checking account beside an ING Direct account.
The 100 dollar minimum at Commerce does not bother me, I will not be going below that. :)
I'm worried give or take a few these things specifically:
Phony fees - I'm not talking in the order of the fees in fine print, but the fees the edge might start charging you without have previously told you. This worries me, and I've heard stories from both bank.
Lost money - Again, heard stories from both bank, but people claim that their edge of chose lost their money/it disappeared from their account and they be unable to return with it back. Is within any truth to these claims? My initial deposit will be alot. I don't want to lose it!
Which bank do you guys recommend?
By the channel, I'm almost certainly not qualified for a credit grouping, just so you know :)
Answers:
WAMU turned me down for a credit card, so they suck.
The funny entity is that their web form turned me down contained by like 10 second. Then I get a epistle in the communication claiming I was turned down "after hard-working consideration".
What a bunch of losers.
ss
What other ways can i win lolly from my credit card beside advance?
Question:
Answers:
Some credit cards send you "set off transfer" checks that you can write to yourself and deposit in your ridge.
You could also set up two paypal accounts and use your credit card to have one settle up the other. Then transfer that into your ridge account.
ss
Can i still refinance if i am at the back on my mortgage?
Question:
Answers:
Maybe - Talk to your bank. It may be possible to freshly pay them interest on the mortgage for a few months and retrieve the hassel of a refinance. If the payments are just too glorious, then try and refinance, but you will probably not receive a great rate, but you can try.
Do your homework and not rely on us for this one. There is no harm within trying. How badly do you want your home?
Very unlikely. You're asking inhabitants to loan you more on the same collateral, when you haven't made the inventive payments. From their perspective, why would they do that?
Hi,
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Tanya it might be my just mode bring of my credit rating.?
Question:
So do you know how much i can get from my super below hardship?? and i'm out of order i'm on sickness benefits at present. thanks
Answers:
Look, I am not sure of the details, best contacting you super fund to see what the best channel to go is. Maybe you could decalre youdelf penniless??
I enjoy 5 thousand to 10 thousand dollars extra from student loans, what is your suggestions on using it?
Question:
I am a graduate student, paying a boat load for graduate institution. I will have atleast an more 5 to 10 thousand dollars in excess of what I have need of for school. I am trying to make plans for my life so I am in position for the post grad school drop bad in finances... any suggestions?
Answers:
First of adjectives -- the SMART Thing to do is to NOT use (at all -- ever!) any 'extra' (or over the barest minimum that you need) within student loan money -- remember that if you do NOT use the loan money, then you will NOT owe the money at the time you finish graduate university.
Just because you have be approved for loans at $xx,xxx.xx does NOT mean you hold to spend it all. That would manifestly be FOOLISH. Think of it this way ... that UNUSUED loan approval is something specifically POSITIVE to your financial situation ... you will NOT be carrying it in the match you have (for loans outstanding), you will NOT hold to pay interest on it, nor will you hold to make a larger return at the time when you are first going out into the world.
That alone would make it relatively the relief -- and be the most sensible of the alternatives. So ... please ... do NOT use any match above what you are absolutely (barely) need. YOU and your financial health will be much smaller amount stressed in the long run.
Errr. it's a LOAN... you hold to pay it final... why would you want to spend more than you had to knowing you'll own to find the money to give it wager on anyway?
Don't spend it! Contact your loan office and share them that you have an excess you don't entail. Why pay interest on money unfamiliar for school? Use your amount and get a employment.isn't that what you went to academy for anyway?
My girlfriend desires an allowance?
Question:
My girlfriend recently moved contained by with me and I expected her to know how to claim jobseekers allowance but she is not entitled as she have not made enough duty contributions do you think I should be giving her an allowance? I nurture and cloth her and pay the bills?
Answers:
I suggest you already know the answer to this one. Why isn't she either working or trying to find work? Just because you can't claim Job Seeker's Allowance doesn't penny-pinching you can't be a job hunter.
Maybe it is her pride that's getting in the track. Perhaps she needs to lower her standards and go and get a job, even if it's not really what she desires to do. It is much easier to find another job if you are already contained by one. Also there may be other opportunity which become available once she starts work there. There are fundamentally few people contained by the world who are lucky enough to work contained by a job they love specifically their vocation. Most of us own to work to pay the bills.
If she have been out of work for a long time, she may feel unconfident in the region of returning to work. There are good scheme available for free from Learn Direct or job centre to help family learn the skills they requirement to get a situation. They also help near interview techniques and travel expenses.
Perhaps she might consider returning to college and will be entitled to some sort of loan/bursary.
In any armour, make it clear to her from the outset that as much as you love her, there's no such item in duration as a free lunch. She needs to perform to start earning and paying her means of access or go hindmost to Mum's. The longer you leave it, the more set surrounded by her ways she'll become and the more resentful you'll become.
cant she find a job?
I would report her to get a profession!
If she can't claim jobseekers allowance then she requirements to get a situation and stop freeloading.
Tell her to get a living
If she wants money she should work for it close to the rest of us do.
She sounfds like a freeloader! Tell her to find a mission.
she aint your kid, shes your girlfriend, tell her find a commission if she wants the luxury to buy things. if she say she needs gas money, afterwards give with the sole purpose that. dont let her bs you
No if shes really firm up get her to work at tecos or mcdonalds if your paying the bills and clothing and feed her she needs to contribute .Yes theyre shitty job but beggars cant be choosers and if its bringing money in its a bonus .Theyre is plenty of job out there breed her get rotten her butt and find one
GET A JOB.
Everybody else does and she should be doing the same.
She could even work at McDonalds. Anywhere is angelic enough and better than an allowance.
Is she in actuality capable of getting a career for herself? If not, I would find her one myself and ensure she takes it up. Noone should own to pay their partner allowance!
Yep, I agree near everyone else... she needs to receive a job!
How did she cope until that time she moved in beside you??
Dump her and marry me! I would love to find a soft centred sweetie close to you! geez....go yak to yourself in the mirror! Give yourself a apt slapping and ask yourself what she is askign here....does she want to sign up as a housekeeper or a concubine or what? Is she expecting you to pay her to stay near you??ppppffftttt.I'd just detail her if she needs something and you meditate you can afford to buy it for her you will but if it is just similar to pocket money tell her you aren't prepared to do that as she is fit of work!
No. She should get a duty and pay her method, she's already sponging enough bad you.
Lets face it, conservatory kids can get job so why can't she? Any job will do, any hours she can get hold of as without it she have no money to spend and is totally reliant on you. Surely she can get a cleaning employment or work packing in a factory. Get her to sign up near a temp agency and do temp work. There are many avenues for her to pursue as she doesn't hold to get a opportunity that would cover her income support/housing benefit as she's not getting any anyway.
She needs to put this adjectives in perspective and see what a position you are within and that it is not acceptable to of late sponge off you. If I be in her position I would hold too much pride to just help yourself to off you.
I simply hope that she does ALL the household chores while you are out earning!
Ahh, of late sing her this:
[chorus]
I won't pay
I won't wage
A NO waaaay!
A nana why don't you get a undertaking?
Say no way
Say no process
A no waaay
A nana won't get you a profession!!
Problem solved.
:D
she is freeloading and you are enabling. If you afford her an allowance she won't be motivated to find a job.
hell no,her mum desires u to support her so she wont have to,the more money u make available her the less she will look for a errand,get a unknown g/f one with a charge would be cheaper.
Unless you give within I can already see the "My girlfriend wont have sex" interrogate that you'll be posting!
Do you expect her to exist with no money at adjectives? I know you pay the bills and adjectives household expenses,but you would give a kid pocket money wouldn't you? What something like her clothes,make up and toiletries,not forgetting her sanitary requirements.I would suggest even a small allowance,depends what you can afford,maybe lb10 or lb20 a week would be reasonable. But she must win a job soon to aid support herself and the household.
You're giving her enough already. As you've said, the just thing she doesn't hold is a bit of spending money!
Make her pay her own opening, support her if she needs to find her foot, otherwise how will she have any self-respect contained by the long run?
If you want a daughter, pay the allowance.
If you want an developed relationship with your girlfriend, she have to realise that she must meet her own responsibilities.....
and agree to her buy her own clothes!!
Sounds like a user. Her and her mom are freshly trying to manipulate you. Don't permit them. You are giving her food and shelter, if she wants extras -she wants to work for them!!
shoot and scoot pal ,free loader no apposite ,how long did she work before and did she stop when she moved surrounded by with you ??
I deem you should dump her and get another girlfriend.
Tell her mother to dispense her an allowance or alternatively, and even better, get another girlfriend.
your girlfriend is uncharitable and lazy. She demonstrably is not trying hard adequate to get a situation. you do more than enough for her what near paying all the bill and feed her. i would tell her that if she is not serious in the order of making her own living that she should leave. you are one used.
She may not be entitled to jsa but she should be able to find income support
whoa can i be your gf !?
Give her lb25 a week, and start charging her for sex.
If she doesn't get undertaking seekers money then she can apply for income support unless you are giving the import tax office your details as you would do as a cohabiting couple? as what is she suppose to live on? I estimate she would be better moving out and find another boyfriend.
I kind 800 pounds a month and hold only just get my first house and im struggling?
Question:
my mortgage is lb243
does anyone else have similar settle and mortgage and how do they get on?
Answers:
I get the drift the pressures you are under. Have you thought nearly asking for a raise at work or going for promotion? Double check that you are individual paid the correct rate according to the National Minimum Wage as very well. lb800.00 does seem comparatively a low salary, if it's gross.
What in the order of a change of undertaking to one which pays more money? Or taking on a second job, approaching bar work or a driving post? Lots of people enjoy to do two jobs to form ends meet.
Maybe when your girlfriend get a job and starts contributing things will become easier. I know I probably nouns like your mum very soon but make doubly sure you will not be expecting the rhythm of tiny feet any time soon - your finances won't stand it. (Sorry to run all mummy on you!)
Can you embezzle in a lodger? If you hold a spare room, that could be a good earner.
Make sure you don't fall down into the trap of either taking on credit to buy things for the house or thinking roughly remortgaging the house to free up equity. There will be very expensive course to be learned near, believe you me.
Cut back on adjectives the non-essentials like takeaways, alcohol, cigs, magazine, Sky subscriptions. Make sure you pay your utilities by direct debit to find the discounts they offer and engender sure that you are paying only what you stipulation to. Often you start paying what the previous occupant remunerated, which may be a lot more than you are certainly using. They hold it for you and offset against your subsequent bill but surely it's better in your pocket than theirs. What just about mobile phones? Do you really, really need one? Can you adjustment your price plan to a cheaper option?
Do you run a saloon? Can you get around efficiently by public transport or walk to work? If you can, you could accumulate yourself a packet on road tax, insurance and upkeep.
Are you claiming all benefits which are owing to you? There may in good health be none but you'll never know unless you ask.
maybe a second situation,a good budget or I don`t know a finacial advisor as they will set u out a budget and help u stick to it
You are lucky - like mad of people payment a lot more mortgage. I rent and my rent is lb750 a month ( and No I dont hold a big house - I have a 3 bed terrace) You still own nearly lb600 a month for bills and food, surley that is plenty. We have smaller quantity than lb600 once the rent is taken and we are a family of 6.
You are clearly not managing your finances really well - a few sacrifice early within the term of your mortgage will tight that you are more secure subsequently on. Cut down on unnecessary spending - that usually means alcohol, entertaining activities, having a bet, smoking, etc.
You bought too much house, your mortgage/rent shouldn't be more than 25% of your income...but you're close... Get a second/part-time job, you'll be fine.
wat u conversation about ...u r still lucky that ur mortgage is low. 80% population of this country struggled for this. consider urself lucky u r on a better position get hold of a second job if u want to rearrange urself or get a better remunerated job.
You involve to learn to budget... work out your monthly bills and possibly pay them by direct debit every payday... also work out your food bill... don't hold too many purloin aways, buy own brand foods, they're cheaper and are just as dutiful.
Make a weekly/monthly meal planner so you know what you hold to buy and don't buy anything that will sit at the back of the cupboard for years!
If you drive, look into what vehicle you have and possibly get a smaller cheaper model to run.
Don't buy unnessasary stuff... until you can afford it or collect for it.
Also if you live alone have you get your reduction on your council tariff bill etc?
Thats how we manage... ethnic group of 5 on about lb1000 near a mortgage of about lb550 a month.
It can be done!
Coo, what sort of property did you attain with a mortgage that small?
The local coast huts round here are going for anything up to 30K.
try this, my mortgadge is 539 plus im paying a loan of 133 and earning 937 pounds a month. im earn extra doing this
http://cgi.ebay.co.uk/ws/ebayisapi.dll?v...
works great fro me. will do 4 you as well
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Good luck!
im not surprised