How is the cost of living crisis affecting you?
- Thread starter BristolEcho
- Start date
moonsi til
worked it out now!
I had a letter today reminding me about my mortgage rate ending in a few months & I have spent the last few hours spinning out as it’s going to be £120 more. I will get independent advice but so far around that seems to be the figure. I have calmed down a bit now & stopped feeling sick but can’t see sleep happening for a while.
I’m absolutely kicking myself for not taking out a 5 year deal whilst also trying to be kind to myself that I made the decision based on info at the time etc.
So mortgage, utilities & food will cause me to sail too close to the wind. I have managed to calm down by deciding my critical illness cover will go & will have to reduce my charity donations as added together it’s a sum that will be needed by me. National Trust will probably go to.
I work in a profession where there is always lots of extra work ( health care) so I know that’s a cushion. Did an extra shift today as my car needs to go to the garage so money for that & whilst at work a plumber was needed at home which was £70 I don’t have. I usually do an extra shift for nice/fun stuff.
So yeah feeling worried for myself as while I can do extra hours I need rest too & feeling anxious about people who won’t be able to find a solution.
I’m absolutely kicking myself for not taking out a 5 year deal whilst also trying to be kind to myself that I made the decision based on info at the time etc.
So mortgage, utilities & food will cause me to sail too close to the wind. I have managed to calm down by deciding my critical illness cover will go & will have to reduce my charity donations as added together it’s a sum that will be needed by me. National Trust will probably go to.
I work in a profession where there is always lots of extra work ( health care) so I know that’s a cushion. Did an extra shift today as my car needs to go to the garage so money for that & whilst at work a plumber was needed at home which was £70 I don’t have. I usually do an extra shift for nice/fun stuff.
So yeah feeling worried for myself as while I can do extra hours I need rest too & feeling anxious about people who won’t be able to find a solution.
moonsi til
worked it out now!
As predicted no sleep was had until after 6am. I just kept having to google the same thing again & again.
But positive news is I owe less than I thought on my interest free credit card so I’m thinking I can put my head down & do more hours over autumn/winter to further reduce the amount so when new mortgage payment kicks in from January 2023 (Happy New Year!) I can reduce my payment and Wednesdays are a good day for me to work a few hours extra without impacting on my evening gym class ( gym costs £15 per month & I’m keeping it for my sanity)
I haven’t even taken into account October gas & electric rise! But I have a plan for now.
But positive news is I owe less than I thought on my interest free credit card so I’m thinking I can put my head down & do more hours over autumn/winter to further reduce the amount so when new mortgage payment kicks in from January 2023 (Happy New Year!) I can reduce my payment and Wednesdays are a good day for me to work a few hours extra without impacting on my evening gym class ( gym costs £15 per month & I’m keeping it for my sanity)
I haven’t even taken into account October gas & electric rise! But I have a plan for now.
Overtime always available where I work too and tbh I can see me doing that in the evenings and some weekends - especially with the rise in prices. I’m considering cancelling my holiday to Northumbria if I can work out how to get a refund from Sykes cottages as the petrol to get there will cost more than the accommodation
tedsplitter
Well-Known Member
My monthly pay now lasts about a week and a day before its all gone, whereas last year I was able to make it at least 3 weeks before I hit the skids.
pinkmonkey
2.4 hour party person
I make granola bars once a month, just a huge amount in one go because it is SUCH a faff and I refuse to pay £5 for a tiny box of chipboard. Most of the ingredients come from Lidl and rolled oats is one of them. If you have a Lidl or Aldi get them there, I think I paid 99p. My tip is to buy up ALL the xmas nuts when they go down to 50p a bag after the holidays and use them for baking over the year.Apart from gas /electric that has gone up I have rolled oats for breakfast. 1 month ago they were 75p a bag. 2 weeks ago they had gone up to a £1 a bag. This week they are £1.39.
pinkmonkey
2.4 hour party person
Oh and I went to Morrisons for a top up shop, not even a backpack full and it was £32. I’m struggling to keep my weekly shop under £120-£150 these days, doesn’t help that I’m gluten free.
BristolEcho
Well-Known Member
Yeah shopping is really noticeable now.
UnderOpenSky
baseline neural therapy
It's certainly more a factor when I'm considering a longer drive. Hope you manage to get away though!
UnderOpenSky
baseline neural therapy
I've forced myself to start studying again this weekend, this clearly isn't going to get better anytime soon and need to be able to offer something to ask for a pay rise.
WouldBe
Dislicksick
And now up to £1.49 a bag. Doubled in price in under 2 months.Apart from gas /electric that has gone up I have rolled oats for breakfast. 1 month ago they were 75p a bag. 2 weeks ago they had gone up to a £1 a bag. This week they are £1.39.
rubbershoes
not the only raver in the village
And now up to £1.49 a bag. Doubled in price in under 2 months.
I get my oats from tesco. They've gone up but only about 25% iirc. About £1,20 for 2kg I think
The39thStep
Urban critical thinker
I’ve never quite worked those chol lowering yogurts out . Is it the oat or wheats that they put in them that does the lowering or do they put something else into the yoghurt that lowers cholesterol?
Yuwipi Woman
Whack-A-Mole Queen
A lot of really big bills have doubled in just a few months so I'm scrambling to find places to cut costs. I have about $550 a month in bills I didn't have a year ago and I didn't change my lifestyle. This just isn't sustainable. I never thought I'd have to do it, but I picked up a community food basket. It's a program that takes food that's overstocked, close dated, or perishable, and puts it in boxes to be distributed to anyone who shows up. I haven't felt this poor in years. I'm still very lucky. I still have a warm place to sleep, food to eat, and a book to read.
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Sasaferrato
We've been together now for twenty years...
Yep, mine went up by £40.00, despite not having made a claim in twenty years.
DotCommunist
So many particulars. So many questions.
Everything I consume is more expensive, and my income has not risen to reflect this change.
imposs1904
Thread Killa'
We're fucked, basically.
Let me google that for you
Sterols and stanols are plant chemicals which are a similar size and shape to cholesterol. They are absorbed from the intestines into the blood stream and block some cholesterol from being absorbed, lowering the cholesterol in your blood.
The yoghurts contain them. They lowered my bad cholesterol from 7.2 to 6.3, which although still raised, was a much better reading.
existentialist
Things Done
We'd better prepare ourselves for increases in things like shoplifting, energy theft, and other kinds of crime, and - of course - the inevitable harsh clampdown macho legal nonsense the Government will inevitably come out with in response.
WouldBe
Dislicksick
Just had a look and you can get Growers Harvest oats for 70p for a kilo at Tesco.
brogdale
Coming to terms with late onset Anarchism
That would be £1.40 per 2kg, then?Just had a look and you can get Growers Harvest oats for 70p for a kilo at Tesco.
wemakeyousoundb
hopefully not gimboid
read somewhere that shoplifting stats have gone up 19% in the past year.
e2a: can't find that particular one but here is an article from May.
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existentialist
Things Done
I don't suppose it'll stop there.
WouldBe
Dislicksick
But a 2Kg bag is £1.39 and I don't want a 2Kg bag.
Or gather together and show solidarity
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