Hi all,
Thank guys for all the replies! I'll answer queries now...
Bord Gais Bills...... Feb/March - 129.45, Dec/Jan - 151.23. Oct/Nov - 145.54
Lodger - I have three rooms to let, the lodger picked the middle one (my rooms are going for 60pw, 50pw, and 40pw). I dont live in town, about 6 miles outside, so my rent has to reflect that. The only bills that I feel the lodger should contribute towards are ESB/bins (so she pays approx 50pm for these). I quite happy with this arrangement.
When its time for oil/coal etc etc, it is paid for equally, but we worry about that when the time comes around.
Oh, and Im still advertising two rooms to let... if anyone is interested
I have decided to throw all available cash at the smaller CC now incl the CU savings, only small though.
I have also just listed about 100 items on ebay, and any money I make from this will go directly onto the small CC.
I work 9-5 at the moment, but Ive applied for two early morning cleaning jobs. Its not a big deal for me to work before work, Im usually lying awake from 6am onwards. If I get one of these jobs, I will try it for a while.
I appreciate everyone's advice and help.. thank u!!