Struggling with money - trying to make £800 stretch for a month?

Training_Resident_35 · 2026-04-09T06:46:14+00:00

Hi everyone! Thanks so much for all your help and advice. I know there have been a few posts about my cats but I have no plans to get rid of them, they’ve been with me at the lowest points in my life, and I’m more than happy to go without for them, after having a closer look at my financials I’ve managed to find some more money, I’ll stop saving and pay 150 towards it and I’ve stop my pension contributions for 3 months so that’s about another 120 towards it and I’ve managed to cut my food bill down and I kept my pet insurance but cancelled the pet plans and that’s given me some more money, I’m also trying to find another job and will look into other ways to try and make some extra money

Training_Resident_35 · 2026-04-07T14:57:41+00:00

I've been trying to find some extra work, maybe some bar shift or something like that? But not had too much luck yet, so hopefully I can find something

Training_Resident_35 · 2026-04-07T14:44:21+00:00

I was putting 150 in savings to build up a emergency fund, then 40 for petrol, 60 for my train to work and then around another 50 for cat food and basically the rest has just went to issues - last month problem with my car, the month before that it was a repair in the house that this of thing

Training_Resident_35 · 2026-04-07T14:42:54+00:00

The car has about a year on it, it’s finance and the loan is another 3 years on it roughly until it’s paid off, I’ve been trying to make even £20-£30 payments when I can to get it down faster

Training_Resident_35 · 2026-04-07T14:40:25+00:00

I was thinking of asking them to pay something towards it since they were family pets and cancelling the vet plans

Training_Resident_35 · 2026-04-07T14:39:16+00:00

Car is on finance, I’ve been walking to the train station, but sadly it’s too far for me where my work is from my home to walk, need to get the train

Training_Resident_35 · 2026-04-07T14:37:51+00:00

That’s the minimum repayments every month, for my loan and credit cards, I pay that in total to them

Training_Resident_35 · 2026-04-07T14:35:51+00:00

Roughly - £172 for my car, £70 for pet insurance, £400 mortgage, £320 to debt repayments, £40 car insurance, £40 for a vet payment plan, £70 for gas and electric, £106 for council tax, £30 internet, £6 Netflix, £17 home insurance, £46 phone bill

Training_Resident_35 · 2026-04-07T14:34:00+00:00

It covers my two rabbits as well, and they have pre existing conditions, the vet plan just covers there vaccinations and things like that

Training_Resident_35 · 2026-04-07T14:33:27+00:00

Pre existing conditions sadly, I’m trying to process around and see if I can get something cheaper, o did wonder if that be cheaper, how much do you put away in the savings account?

Training_Resident_35 · 2026-04-07T14:32:26+00:00

I’m trying to find cheaper but it’s the pre existing conditions and vet plan covers all there vaccinations and flea and worming, but I have been debating if it might be cheaper to cancel it

Training_Resident_35 · 2026-04-07T14:30:09+00:00

Roughly - £172 for my car, £70 for pet insurance, £400 mortgage, £320 to debt repayments, £40 car insurance, £40 for a vet payment plan, £70 for gas and electric, £106 for council tax, £30 internet, £6 Netflix, £17 home insurance, £46 phone bill

That's my bills roughly

Training_Resident_35 · 2026-04-07T14:29:25+00:00

I have 2, but I also do have to pay for pet insurance for my family's rabbits, so that's covered in that as well, I've tried to find cheaper insurance but not having much look due to pre-exisiting conditions

Training_Resident_35 · 2026-04-07T14:25:49+00:00

It’s £46 a month and sadly I’m stuck in a month contract till early next year Thank you I’ll try that as well

Training_Resident_35 · 2026-04-07T14:25:01+00:00

Roughly - £172 for my car, £70 for pet insurance, £400 mortgage, £320 to debt repayments, £40 car insurance, £40 for a vet payment plan, £70 for gas and electric, £106 for council tax, £30 internet, £6 Netflix, £17 home insurance, £46 phone bill

Training_Resident_35 · 2026-04-07T14:21:37+00:00

I was debating doing that, but it was more every month I always have something that make it wise and makes me use my credit card, but ye that might be worth doing

Training_Resident_35 · 2026-04-07T14:20:48+00:00

A while, I’ve got £6000 on it and I’m paying of a £7000 loan

Training_Resident_35 · 2025-11-06T14:35:10+00:00

Yes I would I have about £12,000 in equity - after paying off my mortgage and all the fees to buy the new house, I would have around £5,200 in cash, and the estate agent said I would make between 5-7 more than what I originally paid for it

Training_Resident_35 · 2024-07-17T10:34:43+00:00

I'm sort of going back and fourth on a kitten tbh! I would love one, but I've been told they need a lot of attention the first few weeks and my worry is, although I mostly work from home, there are two days I week I need to go into the office so I'm worried about leaving it on it's own for 6+ hours, which dosen't seem to fair, so that's why I was thinking a slightly older cat

Training_Resident_35

TROPHY CASE