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Post by JMW1969 » Mon Aug 30, 2010 2:48 pm
Hi aain
My creditors meeting is set for 21 september at 1pm.
getting worried , been skint so long now and always spend too much wage first week after payday because we need things that we go without for. how can i even things out over the month to make money last when cupboards are completely empty at payday?


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Post by Pandy » Mon Aug 30, 2010 2:53 pm
Hi JMW1969, everyone budgets differently, I find it is easier after the monthly DD have left my bank to break my living allowance down into weekly amounts and only draw that amount out each week, buy the necessities if the money runs out you know you only have to go a short while till you can draw some more out.
If life is what you make it, I must have been in a strange mood when I made mine


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Post by plasticdaft » Mon Aug 30, 2010 3:07 pm
It really is all about budget planning which gets easier over time. Its also easier when you work with cash only and not umpteen bits of plastic!!

Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.


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Post by Shining » Tue Aug 31, 2010 5:11 am
I agree with Paul with cas only and no plastic it works for me. I break my pay down to a weekly budget and take out each Friday my money and get my shopping etc., what's left the following Thursday goes into my tin...sometimes it's pennies but sometimes there's a couple of quid there and it does all add up x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.

Tina Shortland

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Post by Tina Shortland » Tue Aug 31, 2010 10:18 am
Some people have found it useful to label empty tins for each category of their budget and put the agreed monthly amounts into them - that way when the cost comes up you know you have the money put aside into that tin.

It takes a lot to get into a new discipline but once you've cracked it you'll feel a lot better and won't dread the final week of the month!

Keep us posted as to how you get on

Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.

If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at

If you’re ready to ask us for specific advice or help, then get in touch at so you can start to free yourself from the stress and anxiety of overwhelming debt.
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