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Forum LockedBudgeting help needed!
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Natalie_G View Drop Down
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Joined: 09 June 2008
Location: North Shore
Points: 1638 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Natalie_G Quote  Post ReplyReply Direct Link To This Post Posted: 24 April 2009 at 8:50pm
The first thing if you have is cut the credit cards, I did that and it has been a life saver, I havent had so little debt in my life.

We spend about $160 a week on food, that includes heaps of veges which are a cheap side dish with your meat.

We are like you, life off a little flat with own bathroom and kitchen but only one bedroom so Arianne sleeps with us. We will be able to move out next year and cant wait.

Now with the WFF and accommodation suppliment you will be fine now, $340 a week left is heaps to have left over, I have lived off less than that lol.
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Bobbie View Drop Down
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Joined: 01 January 1900
Location: North Shore Auckland
Points: 6123 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Bobbie Quote  Post ReplyReply Direct Link To This Post Posted: 24 April 2009 at 9:42pm
Sheza I'm pretty sure our WFF payment doesn't have any bearing on our accom supplement. When we did the calc online at the beginning I never said we were getting anything and it told us we'd get $90 and we did.

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_SMS_ View Drop Down
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Points: 2251 		Post Options Post Options   Thanks (0) Thanks(0)   Quote _SMS_ Quote  Post ReplyReply Direct Link To This Post Posted: 24 April 2009 at 10:18pm
Ohhh another thing, if you are now going to shop at Pak n Save get Shop n Go.

Its great and keeps track of the price etc as you go.

Thats great about the Accommodation supplement

Also try pay all HPs off as soon as possible, it makes life so much easier not worring about them.

'That was if you dont owe anything on Hp and your washing machine or fridge craps itself you can easily just go HP one with having to worry about other things you already have etc.

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Shezamumof3 View Drop Down
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Points: 10096 		Post Options Post Options   Thanks (0) Thanks(0)   Quote Shezamumof3 Quote  Post ReplyReply Direct Link To This Post Posted: 25 April 2009 at 9:24am
Oh thats good to know Bobbie! I wasn't sure as it didn't ask me for my income it just asked for DH's income, so $90 will be a HUGE help!

I have a credit Card, but don't use it, I just pay the minimum each month, so I'm hoping it will be gone by next year lol, my dad has the card in his wallet so I cant touch it hehe.
What DH and I do it each week we transfer x amount of $ into my nana's account and she holds onto that money for us so that when our HP monthly bills come in we have the $ there to pay them, and that works out really well, cos we KNOW we have the $ to pay them So with our power and water etc we will be transferring a certain amount to her account each week, to pay the bills when they come in each month.

We always take our HP's over a year or 6 months if we can then they are paid off quick, our TV and surround sound system will be paid off in September YAY! that payment is a killer! $80 a week to get it paid off fast! So when that payment is gone we will be $80 better off each week, I cant wait!

Taking a calculator to the supermarket is a good idea, I used to do that, then got slack! So i will be taking out cash when i go shopping and leaving my cashflow card at home!!, and bringing the calculator, that way I will only get what we need and spend within our budget and if there is cash left over then I will put it in a kitty for emergency things(like lilfatty does).

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caliandjack View Drop Down
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Joined: 10 March 2007
Location: West Auckland
Points: 12487 		Post Options Post Options   Thanks (0) Thanks(0)   Quote caliandjack Quote  Post ReplyReply Direct Link To This Post Posted: 25 April 2009 at 10:18am
I consolidated our CC and HP debt, and then cut up the cc'ds. I pay a fixed amount each payday and the interest rate is less than 10% we'll be debt free in 12 months time.

I've been laid off twice in the last 6 months, and still don't have permanent employment so know it can be tough. Trying to make ends meet.

My hubby earns too much, (yeah right) so we don't get anything from WINZ.

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Angel June 2012
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BaAsKa View Drop Down
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Joined: 01 January 1900
Points: 3844 		Post Options Post Options   Thanks (0) Thanks(0)   Quote BaAsKa Quote  Post ReplyReply Direct Link To This Post Posted: 25 April 2009 at 10:23am
???? i just went into the winz website to work out how much they "say" we would get for acom supp for our mortgage and it says we would get $104!!?? well we only get $50??? wonder where the difference is??
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caliandjack View Drop Down
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Joined: 10 March 2007
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Points: 12487 		Post Options Post Options   Thanks (0) Thanks(0)   Quote caliandjack Quote  Post ReplyReply Direct Link To This Post Posted: 25 April 2009 at 10:24am
With the power have you thought about setting up a direct debit so that all 3 of you put in a set amount each week.

We did that when we had a flatmate, we'd pay $30 a fortnight each, it was much easier than trying to find couple of hundred dollars at the end of the month, also during summer the account goes into credit, evens out with the high cost in winter.

What are you using for heating?

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Angel June 2012
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