single person living how do you do it?

welshboy

welshboy

welshboy

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Joined
17 Jan 2006
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1,456
Location
NW
i live on my own, and im trying to save to move back to leeds but its just to expensive.

half my wage is my rent now, i hate it.

how do you all cope?
 
I get a free bungalow with my job

Well, i say free, it costs me £80 a month
Inclusive of water, electricity, council tax and tv license
and free bike hire
and free golf buggy use
and free boat storage
and free moorings
and free decorating
and free carpets
 
If you are finding that expenses are too high for you then you either need to earn more money, or cut them back.

Ive had my own place for nearly 3 years now and its fantastic, but i made sure that i could afford it.
 
I'm finding it hard. After my bills and general outgoings were taken, i had £120 to last me almost a month so i had to get my first ever overdraft the other week to keep me going. It's actually quite depressing because i cant do many fun things with my gf:(

Hoping for a bit of a payrise in 2 months though but i have no idea how much of an overdraft i'll be using by then:rolleyes:

Oh well at least i have my freedom in my own place i guess.
 
keeping tight control of your spending, not neccessarily limiting it, but just keep an eye on how much is going where, and you will probably start to realise where you could cut back.
if you're not tied down by a contract you could find somewhere cheaper to live
flatshare/houseshare is SO much cheaper, and in the right place you can still maintain your independence if that's what you want
 
Without wishing to sound patronising, welcome to your life. You will never have enough money for everything you want, so work out what is important and spend money on that, and cut corners on what is not important.
 
If you can't afford to rent a flat where you are.
Get a better job.
Move somewhere cheaper.

If you have a car, get rid of it.

I've got lots of mates in dead end jobs who rent on their own round here because it's cheap.
 
Think about sharing your house with a mate. I know it's not always ideal and can certainly bring its fair share of problems. But it make life a lot more afordable
 
Fiocca said:
I'm finding it hard. After my bills and general outgoings were taken, i had £120 to last me almost a month so i had to get my first ever overdraft the other week to keep me going. It's actually quite depressing because i cant do many fun things with my gf:(

Hoping for a bit of a payrise in 2 months though but i have no idea how much of an overdraft i'll be using by then:rolleyes:

Oh well at least i have my freedom in my own place i guess.
Click to expand...

You're on a downward spiral - take action NOW! Or you will end up over your head before you know it. Requiring an increasing overdraft for day to day living is a recipe for disaster. Cut your costs or earn more. Start a spending diary to see where your money is going. Take your own sandwiches to work, give up booze, walk everywhere etc - whatever it takes.
 
Get really anal about your spending. Record every single penny you spend for a while and you'll start to see where you can cut corners. Sounds dull, but if you're not rich it's the only way to take full control of your life.

Think of it like a second job rather than a chore. You can give yourself a pay rise by altering the way you spend. Cut out the unnecessary stuff and you'll have more for the things which really matter. And it's surprising how much you can live without if you choose to.

As RF says, welcome to life. :-)

Andrew McP
 
As above really. Try and cut down as much as possible. Lose the sports channels and movie channels, perhaps try and find a part time cash in hand job (pays for all my holidays!) that you can do a couple of times a month on a saturday or something. Get a smaller car if you have one.

i cant afford my own place to be honest. i'm going to move in with my cousin at the end of the year, just to test the water.


trescodrucey said:
I get a free bungalow with my job

Well, i say free, it costs me £80 a month
Inclusive of water, electricity, council tax and tv license
and free bike hire
and free golf buggy use
and free boat storage
and free moorings
and free decorating
and free carpets
Click to expand...

We all know you live on an island at some kind of resort. Well done. Could at least have offered the guy some help rather than brag :/
 
I know the feeling, I've found myself single after share with my g/f for about 2 years. It's very expensive to live on your own. The bad news is if you're having to borrow money just to live then that's not sustainable.

Do you go any budgeting, it sounds boring but really you have make a list of all of your out goings and then only spend what you have left.

Moneysaving expert.com might have some good advice.
 
You basically can't live alone comfortably unless you're on good money. If it's a low paid job your choices are limited to; parents house\sharing with friends (or partner)\sharing with randoms or rat infested flea pit.
 
bigchez said:
You're on a downward spiral - take action NOW! Or you will end up over your head before you know it. Requiring an increasing overdraft for day to day living is a recipe for disaster. Cut your costs or earn more. Start a spending diary to see where your money is going. Take your own sandwiches to work, give up booze, walk everywhere etc - whatever it takes.
Click to expand...

Oh i've cut my spending right down allready. Got my phone contract cancelled as of next month and i'm doing some overtime so i should be ok i hope. I just wont see the benefits for around 2 months and by then i should have my rise so i'm sure if i do need a bit more of an overdraft i'll be able to pay it off when the extra cash starts filtering through. Obviously the contract is a months notice, the overtime will take about a month as i get paid monthly and the rise is in june. Will just have to take it easy until then.

Just gonna have to put up with my gf moaning about not having money for a while lol!:p
 
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