What Help Would You Give To New Posters

lynsayjane

elantan wrote:

try freecycle it may help ..oh and listen to lynz she's straight to the point and truthfull (as far as i'm concerned)

for a minute there i thought u were on about me and got very confused!! lol must remember i'm lyns with an sssssssssssssssss

southernscouser

Read my first time posters thread so we don't keep having to point people to it!

deviousdame

I would suggest the "How to cut back" sticky

some great stuff in there :money:

Toto

Don't take out consolidate loans unless really necessary (can't think of a time when it would be a good idea really) Especially not secured. You have already paid interest on the debt, consolidation means more interest on top of that over a longer term. Also the chances are you will carry on over spending with your now clean credit cards and end up in the same position a year or so down the line. Look at other ways to reduce the debt, perhaps by calling payplan, CCCS or the CAB. Don't panic, help is out there!

ben500

Visit these threads

http://forums.moneysavingexpert.com/showthread.html?t=216374

http://forums.moneysavingexpert.com/showthread.html?t=216379

http://forums.moneysavingexpert.com/showthread.html?t=213516&highlight=tesco+coupons

http://forums.moneysavingexpert.com/showthread.html?t=199126&highlight=tesco+coupons

http://forums.moneysavingexpert.com/showthread.html?t=161714&highlight=tesco+coupons

And no I don't work for Tesco as most on here will be able to confirm.

lynsayjane

deviousdame wrote:

I would suggest the "How to cut back" sticky

some great stuff in there :money:

i really tried to read through that, but there are just soooooooo many pages!

OberonSH

Give Caol Vorderman a wedgie whenever you can.

Serious tip - get other half on board, it's so much easier with the both of you working towards the same goal. We see so many people struggling to pay off debt when OH just wants to spend spend spend.

MrsTinks

Realise you will HAVE to change your lifestyle - I don't think anyone can keep their exact way of living whilst trying to pay off debts. On the positive side then most of us seem to start enjoying the MSE lifestyle after the first few weeks

Claim back your bank charges

Cantdance_2

Yep, don't consolidate - you never learn your lesson and you'll just end up in worse problems...

And don't shop in Tesco / Asda / Sainsburys - you can half your shopping bill by doing it in Netto / Aldi / Lidl.

James

CosmoCat

make sure you're utilities are the cheapest that's around. visit Uswitch and see if you can save.

*sounds like the advert*