Help needed

sugarpants_2

Cant throw anything more at barcaycard platinum as only have £660 credit limit. Annoying. :mad:

First thing that jumped out on me was the phone bill - £45 a month is really high. Also, you have cable / satellite - can you not get a bundled deal? i.e. 2 for £20 or 3 for £30?

Your groceries bill is also high - does this include things other than food?

You should check out the OS board for ideas, and making a food planner to account for what you need to buy & cook each week would be good.

Batch cooking and a slow cooker are both great ways to ensure you always have food to hand and don't get tempted by the dreaded takeaway...!

You should also make a list of your 'stores' and try and use up food from that rather than always buying new..

If you can do this try and throw as much money as you can at the Barclaycard and Mastercard, with the highest APR until paid off, and so on until you finish.

Could you also try moving the mastercard to the barclaycard platinum at 0% and ask LTSB if you can put the other barclaycard onto their loan which is at a much lower level (you probably won't be able to move one barclaycard to another is my thought process here)

Good luck anyway, and well done for taking the 1st step.

TQ[/quote]

sugarpants_2

Gas and Electric are £20 a month and not £15 just double checked. Still good though eh? NPower we are with

sugarpants_2

No car insurance..My dads business covers us

No life insurance (Cant afford it)

No home insurance( Just cancelled it as we cant afford it either and we dont own much in value tbh)

sugarpants_2

We have reduced SKY this month from £50 to £20

sugarpants_2

My shopping bills includes toiletries but will still try to reduce spending. Have reduced it already. Limit myself to £80 a week. Stil hard thogh

sugarpants_2

Xmas is worrying. Only gonna spend £75 each on my 2 kids and me and DH are not spending on each other this year (Havent done for the last 2 Xmases really)

sugarpants_2

0% on barclaycard as it is balance transfer. Wil be like this till July 09

Littlewoods is 0% for the next 6 mths too

sugarpants_2

Thanks for all your help guys. God I wish I could just win 10k on the lottery

vandanfc

Can you get a bundled package from sky for your tv (if you have to have), phone and broadband, probably cheaper than what you are currently paying.

No contents insurance - surely this is a term of your lease ? What happens if you have to replace anything then ? I am sorry but it makes no sense saying that you can't afford insurance, but you can afford Sky.

vandanfc

sugarpants wrote: »

My shopping bills includes toiletries but will still try to reduce spending. Have reduced it already. Limit myself to £80 a week. Stil hard thogh

You really need to look at the old style board for ideas on getting this down even further. Where do you shop ? Can you access a Lidl or Aldi, not known brands but very good quality stuff.