SeaSmart SOA

SeaSmart

Thanks for all your help guys.

Its going to be tough sticking to a budget because in my experience things on papre don't tend to work that well when in practice. There is never a 'flat month' as such.

lynzpower

ask your wife to come and join us if she has a spare min in the daytime too

Also do take time to read the "great ways to cutback hunt" sticky at the top, theres some cracking ideas in there to get you raring on the moneysaving :T

SeaSmart

I can't believe how great this site is and the people on it.

jessicamb

And maybe this thread when you've got some spare time

http://forums.moneysavingexpert.com/showthread.html?t=226866

You're at a really good point - doing something now before it gets into a really serious situation.

Good luck to you and your family

sanfrancisco

Your first step is to not go further into debt. Establish a budget for 3 months and don't worry about paying any more to the debt, just STOP going deeper. Then after this look at paying more to the debt. You will get the hang of it.