My Soa

Doomcow

id cut on the haircut budget too.

you could cut on the phone / tv / inet budget also.

sorry cant be of more help.

down with trolls!

Godiva500

we are trying to cut internet budget but we are on contract at the moment - when that finishes it will halve. Sky we have already reduced from £49.99 to £19. That and the internet are our only pleasures in life - we don't drink, smoke or go out. We keep in touch with friends and family on the internet.

Local butcher is good idea - we all assume that supermarkets are cheaper but its not necc so.

I cut OH hair this month, so saved on that - I draw the line at him cutting mine tho!! lol

pink_princess

Hi godiva
have you tried sainsburys own free from meals ,only 1.95 for a pizza and 1.99 for fish fingers .We are a family of 5 with special dietry needs and do it on £300 a month.
It pays to shop around and make your own.
PP

Godiva500

I wasn't sure whether to go to debt managment or BR - if we don't we will be living the rest of our lives in debt and having no life.

One question on SOA - at the bottom on the site it says offers to creditors - is the figure it shows reduced monthly repayments, or final figure to clear the debt - wish it was the latter, but I assume its monthly?

Also is payment to ex wife allowed - it is paid via my OH bank account on a court order?

Kate1983

With regards haircuts, have you tried looking for hairdressers advertising for hair models? Often they need someone for trainees to practice on. I have done this a number of times. Sometimes they charge but only a small ammount but the other day I got mine done completely free and it was a really good haircut! Bargain!

pink_princess

There s alot of advice on bankrupcy on here do a search have a read.Also have you spoke to any of the debt charities.Don t ever go on a fee paying dmp.

Godiva500

Thanks kate - I used to do that when I lived in London, and had completely forgotten about it till it was on ITV this morning - so thats twice in one day - so I HAVE to do it now lol.

V xx

pink_princess

Here s the links for the debt help recommended .http://www.moneysavingexpert.com/loans/debt-help-plan#help
HTH
PP

firesidemaid

are you entitled to dla at all? or reduced local bus travel either?

have you thought about making your own burgers etc? or going more vege?

look out for cheap fish/meat to go in freezer reduced at end of day.

buy those cereals/grains etc you can eat in bulk

Godiva500

Thanks to you all for the advice - will take another look at our budget and try to reduce it.

V xx