£35k+ in debt and not coping please help!

Amyboo

Congratulations:T

iiwannabedebtfree

Hi Butterfly

I know that this won't be an instant saving but have you thought about growing your own veg in your garden?

Seeds are dirt cheap and you can always get a book from the library on what to grow when and you can use the leftovers as pet food.

Need any advice on this give me a shout.

Cheers

iiwanna

dfitps

Did you contact CCCS or other? I don't know much about these things but if you go on a DMP mightn't some interest rates be frozen? Or do you work in an industry that means you can't do that?

Don't worry about the being pregnant thing - you can do it - babies really don't need to cost very much at all and you've got plenty of time to plan and get ready. Congratulations!

savemoney

Monthly Outgoings
Morgage - £906
Water - £15
Pet insurance - £25 (drop that or just put some money aside in a jar say £15 per week)
Food - £200 (get as many BOGOF and stock up sometimes instead of weekly shop make it every 8 days and you can loose a few weeks shopping)
Sky - £28 (drop that and get freeview)
Phone - £5
BT land line - £17 (seems expensive for landline mines about £11 for BT)
Petrol (2 cars) - £150 (do you need two cars)
Car insurance (both cars) - £152 (do you need two cars)
Electricity - £20 (cut down where possible getting low energy bulbs)
Gas - £20 (cut down where possible)
MBNA - £130
MBNA - £140
Buy and Fly – £61
Mint – £235
Barcleys Loan – £25
Virgin – £130
Virgin – £100
Barcleycard – £80
Egg - £100
Pet supplies - £50 (seems expensive)
Mobile bills – (both) - £100 (PAYG and cut down on calls)
Council tax - £200
life Insurance - £14
tv licence - £11
house insurance - £25

Trouble is, I aint knocking you it may be even harder now to cut too much especially with a child on the way and you need to eat good food and warm house once baby is born

savemoney

Congratulations

butterfly_in_debt wrote: »

hi all
ive just had some lovely news but news which has really panicked me. ive just found out im about 5 weeks pregnant, although we werent trying it is a fab suprise and we are really happy.
although this has panicked me as you can see from above we are not really managing now so any help at all would be gratefully recieved x

jackieb

Aw, congratulations!

Don't worry about money as i'm sure you can get sorted - baby's more important. As hypno says, this will maybe give you the incentive to get going.

doodledo_2

Awww congratulations thats fantastic news :j

butterfly_in_debt

thank you jackieb, i hope it all works out!

butterfly_in_debt

thank you doodledo

iiwannabedebtfree

Hi Butterfly

We have a baby boy who is three months old now and the best advice i can give is to log onto all of the websites you can think of ie: pamper, huggies, tesco etc etc and register on their baby/parent clubs and they will send you through loads of vouchers and money off deals which you can start stocking up on now.

I know there is obviously the £35k to think about but all we did was on every weekly shop we spent anywhere from £1-5 on basics like nappies, cotton wool and baby wipes and we ended up with a big stockpile for when the baby was born which helped as we had less money coming in.

Cheers

IIwanna