which route to choose

Magentasue

kiz-el wrote:

As far as "getting rid" of the cards goes, do you mean try to pay them off, or are you referring to something more drastic like cutting them up so I can't spend?

I'm afraid I do mean not using them :eek:. It's the only way to negotiate lower repayments so that you can afford to pay your bills and feed yourself. Your budget should start with essentials (Mortgage/Rent, Council Tax etc) through Gas/Elec/Food and then on to non essentials like TV that you cut to minimum. What you have left goes on debt repayment.

If you pay your debts before you feed yourselves, you'll NEVER get out of this mess. CAB and others will help you with this. You need to GIVE UP credit and negotiate lower repayments and freezing of interest so you can go forwards instead of backwards.

Hope that makes sense - I know you'd rather not hear it.;)

kiz-el

Magentasue wrote:

I'm afraid I do mean not using them :eek:. It's the only way to negotiate lower repayments so that you can afford to pay your bills and feed yourself. Your budget should start with essentials (Mortgage/Rent, Council Tax etc) through Gas/Elec/Food and then on to non essentials like TV that you cut to minimum. What you have left goes on debt repayment.

If you pay your debts before you feed yourselves, you'll NEVER get out of this mess. CAB and others will help you with this. You need to GIVE UP credit and negotiate lower repayments and freezing of interest so you can go forwards instead of backwards.

Hope that makes sense - I know you'd rather not hear it.;)

I think you are right. I will begin the process ASAP. Will doing this mean I get a Default on my credit record, and if so does anyone know when it will come off?

skintchick

A thought on shopping - could you do it online at, say Tesco? Cos Sainsbury's are very expensive as you know. I know you'd pay a delivery charge, but I think you'd save more than the cost of that, plus it stops impulse buying!

kiz-el

skintchick wrote:

A thought on shopping - could you do it online at, say Tesco? Cos Sainsbury's are very expensive as you know. I know you'd pay a delivery charge, but I think you'd save more than the cost of that, plus it stops impulse buying!

Yeah I have looked at tesco but cant seem to find any food for people with intolerances although there was that suggestion earlier about getting prescriptions. I could combine the two....

skintchick

They do gluten free and stuff like that, I've seen it in the shop.

Ask over on Old Style about food as they are very knowledgeable over there

Magentasue

Old style is the way to go - 'home made' and 'made from scratch' are the only ways to save money on food AND eat better. Easy if one of you is staying home with children or working part-time, needs more thought and planning if you're both working full-time, IMO.

kiz-el

I will have another look at tesce website and also go on old style board later. Thanks