We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Soa
Comments
-
the thing is have you phoned one of the debt charities for some advise? i really would phone one of them to at least get a second opinion (link in Numpty's post)
also could you possible post up a your real SOA that we could give suggestions on
basically all i am going on is that you 'could' make enough changes to your life style that you could cut your £670 shortfall right down and bring you back into a surplus.
YES it will be hard work
YES it will be a shock to the system
YES it might take a while to become debt free
BUT it is possible and would leave less damage to you long term credit file (am thinking mobile phones insurance etc NOT evil credit cards as they are generally what got all of us on to these forums in the first place) and teach you some invaluble lessons (and hopefully teach your kids them aswell) on how and why you must live within your meansDrop a brand challenge
on a £100 shop you might on average get 70 items save
10p per product = £7 a week ~ £28 a month
20p per product = £14 a week ~ £56 a month
30p per product = £21 a week ~ £84 a month (or in other words one weeks shoping at the new price)0 -
Yeah exactly!! CC are why we have the secured debt!! Have to go to work now but will re do Soa later. Thanks for your help!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.2K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.8K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards