Swapping To Release Money For Debts

Treacle1983

Ok - so my debts are about £6500, and when in full time work I pay off about £200 a month.

However I was made redundant in November and have gained a lot of weight and health problems. To try and combat my health problems and weight - we decided I should try working part time until I get better.

I have just started a 16 hour a week job with Tesco. Which pays me about £400 a month. £350 less than my old job - so how can I pay my debts still??

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1: I immediately cancelled my gym membership which was £30 a month and started getting together second hand bits and pieces so I can work out at home.

2: I cancelled my online membership to slimming world which was £20 a month and found a fab FREE site that is even better www.sparkpeople.com

3: Tesco is within walking distance of my home - a saving of £44 a month in bus fares.

4: The shifts are only 3-3.45 hours long so you don't get a break - so I don't snack or eat at work - a saving of at least £15 a week.

5: I now do any clothes shopping in charity shops - a saving of at least £30 a month.

6: I no longer use the expensive food shops but do one weekly shop - making full use of points cards, coupons, online discounts etc... this saves me and my partner at least £60 a month.

7: We moved from our rented 2 bed flat which was costing £600 a month plus bills to a 1 bed flat attached to a guest house - it costs £350 a month inc gas, elec, tv, phone, internet, water, council tax... providing I stay in 4 nights a week and keep an eye on the place. I think this saves us at least £450 taking into account all the bills we were paying etc...

8: I use my points from nectar/sainsbury to rent out the odd dvd at blockbuster. And likewise change my tesco vouchers in deals to treat us.

9: Rather than paying to keep my hair coloured and cut in a bob - which cost £60-90 every couple months - I have home dyed it as close to my natural colour as possible and am growing it long.
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So even though i earn £350 less a month - I am still paying £150 on my debts......not bad eh???

kittycoocat

Well done Treacle......You have inspired me!!!....Was feeling a bit lost. I even checked out that Sparkpeople site. I don't need to lose much weight but i know that if you feel and look good....all follows on from there.
All the best of luck.
KKK
xxx

epsilondraconis

Good news Treacle - looks like you're working yourself out of a sticky situation.