I was surprised about LegalAid too. My take-home each month was around £1,700. I didn't/don't have any savings at all.
As for bills. I've got everything down to the lowest they possibly could. Internet is down to £10pm through BT Basic which is open to anyone on benefits/low income. Which is pretty incredible considering the basic line rental for just a phone should be £20 not taking into account broadband.
My mobile contract thankfully runs out next month (I've got enough to cover it) so I'm just going to opt for a pay as you go set up.
I don't smoke. I used to drink but since this has all happened I haven't touched a drop in nearly a year now. I don't drive or anything so ALL my outgoings are:Rent
(private landlord) - I've got a pretty great relationship with my landlord and have been nothing but an ideal tenant for over 3yrs (no hassle, rent always paid on time etc.) I was thinking about approaching him to see about a potential reduction in rent. Even if it is short term)Council Tax
(although I know this will be reduced, just not sure how much)Phone/Internet
- This is down to £10pmMobile
- I'll rarely top it up as I never use data when I'm at home anyway and GiffGaff offer £6 top ups so not a drastic amount.Gas
- I have quite a lot on my account so I have set up a payment holiday on it so they don't charge me for around 5 months until my credit is used upElectric
- This is just a key meter so I top it up when I need it. On average I spent just shy of £20pm on itFood
- This goes without saying
The writing was on the wall for my job given the nature of the crime so before I was let go I did stock up on a lot of food that lasts. Like tinned stuff so I'd at least have something in the house.
My solicitor has already been paid up - They request upfront before any work is carried out so there's no debt there to worry about.
I don't have any other debts or anything outstanding aside from the bank loan. Which at present I still have around £3,000 of it left. Currently I have moved that into another account and set up a direct debit for each month for the loan to be paid back. So essentially the loan is paying itself back. At this rate it'll cover itself for just shy of 2 years - Hopefully by that point I might have a bit more income coming in so it'll ease me a bit.
I still don't know what is going to happen in terms of a custodial sentence or whatever which I'll find out next month at my sentencing. So it is a little bit up in the air for now.
I'm under no illusion at the mountain before me not just from this financial point of view but from a life point of view with my conviction etc.