Our SOA

AMILLIONDOLLARS

What are the APRs on the loan and ccs maybe you could think about snowballing!!

http://www.whatsthecost.co.uk/snowball.aspx

CLAPTON

i think the key thing is to work on the spending budget so you know where everything goes. but i do emphasis that it needs to contain everything you spend... so in includes not just the regular monthly type things (spending diary really helps here) but all the quarterly, yearly and one off things.. for the yearly and one offs divide the cost by 12 and add to the monthly budget, similarly for any quarterly costs divide by 3 etc. The idea is that you save up on a monthly basis so when e.g. xmas arrives you have saved up the money already. the thing is that with two children clothes, presents, birthday parties, shoes aren't extra expenses they are just a normal part of your budget. if OH plays cricket every week presumably he is a member of a club ..maybe there are yearly subs to pay..all those sort of things need including.
If you look at the top of this page you will see the something called 'BUDGET PLANNER' ..you may find it useful to help you identifying all the likely spends.


once you have a more comprehensive budget worked out you may want to repost the revised one... i suspect that with your new income you will find it possible to start paying off the debts.

carriel_2

I am going to look at the budget planner now, I've done one before, but it didnt cover alot of what you've suggested, so i'll give this one a go. Taking control is actually quite liberating

natlie

Hi
as others have said get rid of Sky, freeview is a bargain.
Also buildings and contents insurance seems high, I pay £7 for contents and £12 for buildings, see if you can get a cheaper combi one, tesco's comes with points or sainsburys, directline are cheap.

Nat
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