I think I've had a 'lightbulb' moment!

kathfisch

Hi
Just wanted to say welcome to dfw and congrats on being so proactive about making changes with your finances! You'll have lots of things to research/switch etc and keep busy and then eventually you'll have to settle down to the routine of it all - which is where this place comes in to provide motivation, support and encouragement (and some laughs!).

Best of luck

Kath

Mrs_Arkwright

Good morning (oh dear, looks like I'm addicted already)

The income figure does indeed include the tax credits and child ben we get.

Off to work this morning :-( but on the phone this avo to transfer those balances.

fizzel81

welcome to dfw, and goodluck with your dfw journey

In_Search_Of_Me

Just to say welcome & well done for the fantastic efforts so far!!

Mrs_Arkwright

Thanks - I thought I might start a diary thread on Saturday to help keep me on track as well - I'm going to need it! I've transferred some balances today onto the 0% card, so I guess I'm saving already.

elantan

looks to me like you've took the bull by the horns well done ...you'll be sorted in no time ..it feels better getting it sorted doesn't it ? all the best

scholt

Hi Mrs A

I was thinking - if you can cut your groceries by a 1/3 (not impossible - as others have said visit the old style board, make weekly menu plans and stick to them and don't fall down the 'just popping out with my switch card to buy a loaf of bread' trap because you will allways come back with loads more than you intend!), anyway if you can lose some of the grocery expenditure you could clear the store card and catalogue very quickly. You are likely paying horrible interest and also it would feel really refreshing/motivational to clear two debts!

Welcome to MSE :beer: