Skint
- Thread starter panthro
- Start date
I'm 1200 overdrawn with a 1600 overdraft limit.... so that leave me £400 to spend.
My next income will be from my student loan at the end of April.
Between now and then I have the following direct debits/standing orders going out:
Rent: 2 * 230
Car Insurance: 2 * 65
Internet: 2 * 20
Gym: 2 * 15
Cred card min payments: 2 * 20
As you can see this comes to way more than 400, and doesn't include electric, gas, water, petrol in car, food shopping (couple of hundred for 2 months) etc.
The joys of being a student. However, I'm not complaining, just wishing to give the OP a sense of perspective.
My next income will be from my student loan at the end of April.
Between now and then I have the following direct debits/standing orders going out:
Rent: 2 * 230
Car Insurance: 2 * 65
Internet: 2 * 20
Gym: 2 * 15
Cred card min payments: 2 * 20
As you can see this comes to way more than 400, and doesn't include electric, gas, water, petrol in car, food shopping (couple of hundred for 2 months) etc.
The joys of being a student. However, I'm not complaining, just wishing to give the OP a sense of perspective.
Nix said:
Its all relative though, isnt it - for all we know he might have a mahoosive house with correspondingly large bills. SO it would stand to reason that a lot of big, short-term expenses would leave him skint.
Skint isnt an absolute term....
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TheMagicPirate said:
Do you work full time though? If you are over 18 then assuming an average 37.5 hour week then you should be making more than that. Just to keep the sums simple(minimum wage = £4.25)*(37.5 = hours per week)*(4 = weeks per month for ease) gives £637.50. If you are 22 or over then you should be getting £5.05p/h as a minimum, if not then I'd be rather brusquely telling my work to get the finger out.
panthro said:you will probably think I am being a snob or something, but I have just put £900 deposit on a new car, paid a £900 credit card bill and paid £630 insurance, along with all the other bills and payment, im left with £600 to live on for the whole month. I havent been this skint for ages. Anyone got any good money saving tips for me please!
Not too bad, i've got £33 of the next month.
Most of you dont make £600 a month because your either jobless, a student, have a bad paying job, have a job that pays related to your lack of skill or qualifications, are on sick leave/sabbatical/maternity leave or you are unfortunately on disability allowance.
As Visage kindly pointed out, its all relative. I didn't bust my balls in education for 20 years to earn minimum wage. I agree that the word skint was not the correct word to use, my apologies to those of you who seem to think I am rubbing it in that you have no money because I am not. Thanks to everyone who offered advice esp stiff_cookie.
Why are you laughing in my face when you have less money than me and a family to support. Surely it should be the other way round, but Im not nasty like that, its an unfortunate situation to be in. Sell one of your 3 computers.
As Visage kindly pointed out, its all relative. I didn't bust my balls in education for 20 years to earn minimum wage. I agree that the word skint was not the correct word to use, my apologies to those of you who seem to think I am rubbing it in that you have no money because I am not. Thanks to everyone who offered advice esp stiff_cookie.
ste_bla said:
Why are you laughing in my face when you have less money than me and a family to support. Surely it should be the other way round, but Im not nasty like that, its an unfortunate situation to be in. Sell one of your 3 computers.
I think he was getting at the fact he can support himself and his family on less than your spending money for the month.panthro said:
I dont like the way your post was worded though. Read like you were playing some sort of superiority card because you earn more money.
panthro said:you will probably think I am being a snob or something, but I have just put £900 deposit on a new car, paid a £900 credit card bill and paid £630 insurance, along with all the other bills and payment, im left with £600 to live on for the whole month. I havent been this skint for ages. Anyone got any good money saving tips for me please!
Yawn.. another one of the tiresome willy waving threads we get every now and then.
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Get off his back, please. If you're used to living off 1k+ per month then going down to 600 is difficult. Everything is relative. There is no reason to laugh at someone just because they earn more then you, this is the typical attitude of people in this country - if someone is succesful then slate them for it. It shouldn't be that way, imo, there should be praise for people who have managed to get themselves a good, well-paying job. Rant aside, 600 is easily enough to live on for a month. Just cut out on meals/evenings out and only but what you deem necessary, nothing that you would like to have for the sake of it.