ashbock123 wrote:Sounds easier to do with paperwork and send the statements bit easier how many months statements do they want and usually send the expensive that I started with if haven't changed
They will want current, up to date statements. There is no point worrying about it now, Ash --- it might all change by next September !
ashbock123 wrote:Ok thanks mate just worried if don't spend all the money that you have on certain things they will take it and don't know how to tell them if earn a bit more and stuff as get paided weekly they worked my payments out with my overtime included that don't always get am happy though how every much I earn to pay the exact same back each month as find that affordable amount. Just know some months have 5 weeks pay not 4
You should discuss the overtime with them to avoid any nasty surprises ( they should not have factored it into the base salary as you are going to be stuffed if you get a run of no overtime). Any money you don't spend on agreed stuff, draw out and pop it i=under the mattress .... some of it you don't use monthly anyway and have to put it aside, but if you have, say, £400 a month on groceries and spend £350, put the other £50 in a jar for Christmas.
ashbock123 wrote:Ok thanks mate thinking topping up my gas and electric and pay rent council tax iva payment and correct debit for week and withdrawing the rest to spend on shopping and stuff that way
That's sort of what I did when I started --- left enough in the account to pay direct debits and tok the rest out in cash. Then divided the cash into little piles for whatever it was budgetted for. Anything left went into a jar for emergencies. Took me about a year before I was confident enough to use a debit card ! But I found doing everything with cash made me more aware of what I was spending.
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