Thanks , I've cancelled all DDs , not officially missed a payment as yet only bank loan due out yesterday , came out of account but credited back , witch takes place on the 3rd and then no ties with Barclays , wages will go in Friday and bills come out on the first , not in OD , got phone meeting at 1pm today ... Eek ... Nervous
Been number crunching all morning till my brain hurts !!! Based on joint income from me and partner and miserly lodge my 21 year old can afford ! Used allowed expenditure and disposable income around £140 ish
Then I worked it out based on 50/50 for main house hold expenditure minus allowances related to other half ie petrol, car tax , AA ( I don't drive ) and came to £103,.. Feel this may be too low to be acceptable??? We earn roughly the same give or take 50-100 , he is salaried , mine is hourly paid (35h) contract . But some months are 5 weeks so it can change , plus if I have time off eg son is sick ) I don't get paid , I have last 3 months pay slip , 1 a 5 week month , one a a normal 4 week month and one less a few hours for time off .. Shoul I give the average the amount and give that ? Ooo I'm getting jittery now ... But need more coffee ! Any thoughts would be very welcome