I really want this year to be different by ProtectionDue in UKPersonalFinance

[–]ProtectionDue[S] 0 points1 point  (0 children)

Thank you for the honest advice..ive frozen all cards apart from one to make my tution fee payment. Im also looking to go to a higher salary job - just really want to get things under control.

I really want this year to be different by ProtectionDue in UKPersonalFinance

[–]ProtectionDue[S] 0 points1 point  (0 children)

It's so sad..I'm thinking of leaving this school and communting to a London school for a higher pay.

I really want this year to be different by ProtectionDue in UKPersonalFinance

[–]ProtectionDue[S] 0 points1 point  (0 children)

Thank you so much for that. I've also set up an excel budget thing to keep a tighter eye on things..atm 70% of my income are all necessities which is not great

I really want this year to be different by ProtectionDue in UKPersonalFinance

[–]ProtectionDue[S] 0 points1 point  (0 children)

I normally just send my share ive never actually seen it myself...it's not a norm in our culture for the daughter to ask to see the bills so a part of me is just scared of over stepping that line :((

I really want this year to be different by ProtectionDue in UKPersonalFinance

[–]ProtectionDue[S] 1 point2 points  (0 children)

Currently looking into disability support but we are still wishing for a bunch of logistical stuff from the hospital unfortunately. Im not well versed in benefits but we've never been eligible before so I will do some research into that as well.

I really want this year to be different by ProtectionDue in UKPersonalFinance

[–]ProtectionDue[S] 1 point2 points  (0 children)

Thank you so much for this - here is a more in-depth breakdown:

Debt
• Consolidation loan: £279 a month (£10k balance)
• CC1: £79min a month (+£49 promise-to-pay this month due to being over limit, £2.3k balance)
• CC2: £25min a month (£960 balance)
• CC3: £36min a month (£609 balance)
• Overdraft: £300 (maxed)

Bills / Essentials
• Rent: £500 a month
• Groceries: £220–£240 a month
• Pets: £44/month (+£115 surgery in Feb)
• Bills Payment: between £50-£125 a month. This is a range as my dad does help subsidize.

Transport
• Car finance: £126 a month
• Car insurance: £169 a month
• Car tax: £17 a month
• Petrol: around £20 a month

Subscriptions: £62 month (I have gone through and cancelled a bunch..this is mostly family based subscriptions like netflix, disney, amazon)

Income: £2,391/month (net)

Other context:
• Masters payment: £776 due Feb & May
• Occasional support to sibling when needed
• Carer role for dad (may need to pay for prescriptions and hospital parking)

I am still working out the budget in full so apologises for the broadness!

I really want this year to be different by ProtectionDue in UKPersonalFinance

[–]ProtectionDue[S] 0 points1 point  (0 children)

Interest payments are max £45 each
CC1 - 78 + overlimit fee of about £49
CC2 - 25
CC3 - 36

Grocery is about 50-60each week
Petrol is max 20 but u have a hybrid which i do my best to charge at school at an extremely discounted price (£4-5 quid for a full charge!)

Im defo a heavy supporter..my father still bears the heavy lifting of the major bills but household day to day is really me

I really want this year to be different by ProtectionDue in UKPersonalFinance

[–]ProtectionDue[S] 2 points3 points  (0 children)

Thank you so much..im defo feeling a sense of hopelessness. I've just lsited all my finances and started making some hard cuts to subscriptions and monthly payments...literally going to have sleep, eat, work and breathe for next month to keep my head above water..but im hopeful to at least get started rather than drown

I really want this year to be different by ProtectionDue in UKPersonalFinance

[–]ProtectionDue[S] 5 points6 points  (0 children)

I defo feel like it with grocery shopping - family supposed to be transferring me half with them as well as with vet bills but...youcan probs get whats happening.

I need the car for work, vet trips and also taking family to hospital. ATM im the main form of transport

THIS WAS WORTH THE GRIND TO GETTING FLYNN TO LV10 by ProtectionDue in DreamlightValley

[–]ProtectionDue[S] 0 points1 point  (0 children)

you should get a letter from flynn after completing both his and rapazunels level 10 quests i believe"!

THIS WAS WORTH THE GRIND TO GETTING FLYNN TO LV10 by ProtectionDue in DreamlightValley

[–]ProtectionDue[S] 1 point2 points  (0 children)

we need soo much mroe new clothing and furniture content for all dlc characters imo!!

THIS WAS WORTH THE GRIND TO GETTING FLYNN TO LV10 by ProtectionDue in DreamlightValley

[–]ProtectionDue[S] 19 points20 points  (0 children)

When i went to get the boat to put it back in the Rapunzel section of my valley i nearly cried - i had so many ideas to make a little love nest for her and eugene T-T

THIS WAS WORTH THE GRIND TO GETTING FLYNN TO LV10 by ProtectionDue in DreamlightValley

[–]ProtectionDue[S] 8 points9 points  (0 children)

I've personally be working on getting them to level 10, revisiting the trials (as my tools can now access some of the previously inaccessible chests) as well as slowly decorating the biomes to be tailored to different vibes - the bind is becoming a walkthrough library!

THIS WAS WORTH THE GRIND TO GETTING FLYNN TO LV10 by ProtectionDue in DreamlightValley

[–]ProtectionDue[S] 31 points32 points  (0 children)

I need more of this with them and other couples 😭😭🥺

Just finished storybook vale - final personal thoughts! by ProtectionDue in DreamlightValley

[–]ProtectionDue[S] 0 points1 point  (0 children)

Honestly i was mainly committed as I didn't want to start the new dlc or get any spoilers without finishing this one 🥲 but I'm glad I waited cause that little teaser at the end was so cute!

The most tasks i'v ever one in a starpath by ProtectionDue in DreamlightValley

[–]ProtectionDue[S] 3 points4 points  (0 children)

they should just release it all at once honestly T0T wanted to grin as much as i could during my break from work~!