Hi, I'm new too

Piggybanker

Hi everyone

I've been lurking for a couple of weeks, but just got brave enough to say hi properly.

It's really hit me recently that I need to do something about my debt, so since 1st May I have been writing down everything I spend so at the end of the month I can see where to cut down. In the meantime I am already trying - sensible meals, and I've made three birthday cards and one present instead of buying. A small step, but given that the last birthday present I bought was for a friend I've not seen in a year and cost £50, I'd say I need to change! Just hope friends appreciate the thought and effort and don't resent the lack of money value. I suppose if that were the case they'd not be very good friends eh?

Sorry, rambling now. I'm sure I'll be asking for loads of advice so thanks in advance.

Piggy

Broken_hearted

Hello, they arn't a good friend if they don't understand. WElcome to the board.

Old_iron_balls

welcome Piggybanker
Good luck & feel free to ask any questions you want.
were all in the same boat

moxie_2

I actually like receiving 'home made' presents, they show some thought and care have gone into them. Welcome and please ask anything you like, can't say I'm an expert, but I've been through quite a lot, one way or another.

Annie_Fanny

Hey Piggybanker

Well done for posting.

It may help to post a 'Statement of Affairs' (SOA) here so that we can help you examine your expenditure and help you cut back. Have a look at this fantastic thread to point you in the right direction:
http://forums.moneysavingexpert.com/showthread.html?t=107280

Also am wondering if you have had any bank charges - late payment penalty fees etc?

Good luck!

Annie

Molanole

:hello: Piggybanker, welcome!

If you post a statement of affairs then the fantastic regulars and old hands on here will be able to give you suggestions as to where and how you can cut down on your expenditure. But in the mean time, hello, welcome and remember, we're all here if you ever need us!

M x

Piggybanker

Thanks everyone. I thought I would wait until the end of the month to post SOA once I can see clearly where everything has gone this month, as I don't really know how much I've been spending on food etc.

Re bank charges - have been shuffling bits and peices around each month to make sure don't go over overdraft and credit limits, so I've not had charges - just hefty interest!

thanks again
Piggy

domestic_goddess

Hiya
I Am New Too But Am Finding Everyone Here Is Very Welcoming And Very Helpful Especially When You Post Your Soa.

The Advice You Will Get Is Invaluable. Good Luck

In_Search_Of_Me

Welcome! The hardest part is facing it so well done for doing that...First advice do a diary of every penny you spend & post your soa asap so people can help you practically...its hard & time consuming but worth it as at least then you know what you're dealing with....big hugs meanwhile

milliejon

Hiya. I've not been here long but everybody is really friendly and full of good advice! I wish I'd found this site ages ago!

Weymouth_Man

:j WELCOME, piggybanker to MSE :j