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Getting straight

Hi everyone, I'm new to the board (or a born again newbie, I think I posted briefly many moons ago!)

I've reached a point where I feel like my finances are out of control. I realise some people are in far far worse situations but I'm hoping to get a grip of them now. I know exactly where I have gone wrong - I recently moved house and I've gone just a tad OTT buying pretty things for it. So while my house looks lovely - my finances aren't looking so great!

I have three bank accounts:
an ISA, my current account (complete with overdraft), and a first reserve account (which I set up for 'spends' vs direct debits etc but now have some other savings in there). I also have a credit card. My savings would cancel out my debt but I feel that the debt is something I need to take hold of separately so I can get a grip on my spending habits and change them for the better.

I have been taking advantage of quidco and am now scouring the house for things to put on ebay. I've just started a list of things I'm spending so I can monitor it and hopefully it'll make me thing twice/thrice before I spend! I request to spend lots of time away with my job so I can reduce the amount of trips to work (reducing my fuel costs and getting paid more) and am now considering stealing the loo roll & toiletries from the hotels in a bid to save!

I'm considering going to the bank again to get another account set up for I can have my current account with all the direct debits and bills going out and then a separate one with a allocated budget in there for fuel/shopping.
Also, are these survey websites worthwhile - any recommendations?

Just looking for advice/hints/tips/support really. So, please, impart your wise words of wisdom

Thanks for reading!
Rach x

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