First timer

HomeJames_3

Hi everyone
Just joined the forum weve been reading the threads over the last few days and decided to join up. We had our lightbulb moment about 3 weeks ago and are still in a state of shock about how much debt weve racked up over the last 10 years but weve made a start and had our first car boot today and raised £220:j weve also started our £2 saving club:T and have £6 to date not done a SOA yet and currently working on our budget, I was shocked to discover we spent £196 in supermarkets over the last 10 days!!:eek: :eek: theres only me the OH the dog and four cats
so weve decided to take up the groceries challange and see how it goes. Looking forward to reading up on all your great hints and tips and hopefully be on the way to being debt free in about another 10 years:eek: :eek: :eek:

jessicamb

Welcome to MSE.

When you've got an SOA post it here and see if we can help.

OberonSH

well done on the £220 - just make sure it gets sent straight to a debt!! I find any extra money I have doesn't get as far as mine....

Hopefully we can all help you make the cuts you need to get debt free before you turn old and grey. Once you have your debts all neatly in a row, try putting them intot he Snowball Calculator (not sure of the addy) it's a real boost psychologically.

In_Search_Of_Me

Just to say welcome & well done on the car booty! I did one yesterday & made 100 so dead jealous of your amount!! Suggest SOA if you can bear to as gives an idea of where you can save...just wanted to say Hi & welcome to a really supportive & informative community! Try keeping a spending diary - its a shocker!!

lil_me

Hello & welcome

Well done on the car boot

May I recommend keeping a spending diary and all receipts to see where you're going wrong with the overspending

HomeJames_3

Thanks to everyone who has sent me good wishes Ive just been on the snowball calculator and got some ideas where to start with paying off the debts yes numerous!! Im going to look out a note book and write down all our spending to see where its all going. where do I start with my SOA?

CLAPTON

for the SOA read

http://forums.moneysavingexpert.com/showthread.html?t=107280

kathfisch

Welcome to MSE!!

You'll be sure to get some good advice if and when you do post your soa, go for it!!

tattooed_lady

Welcome to MSE, you've done really well already! Excellent result with the car boot!

northern_star

Welcome to MSE HomeJames, there's a wealth (no pun intended) of supportive and knowledgeable posters on this site who will be glad to help and share their knowledge.

Well done on recognising the problem - the first and often hardest step.

Best wishes, NS.

Sea78

Welcome! Look forward to seeing your SOA...and well done for getting started!

Sea xx