My SOA

Pollycat

Wannabe01 wrote: »

Thanks for your advice however we currently do weekly meal plans and use mainly shop own brands. We go shopping armed with a list and only buy whats on it. I actually found that we spend more if shopping is done online because of all the so called good deals that keep appearing.

I agree with your view on on-line shopping, Wannabe01.

You and I must be strong willed as we don't succumb to temptation instore.

I personally prefer to choose my own fruit and veg - if it doesn't look good I don't buy.
I often find that some packs are bigger than others, I bought some aubergines from Tesco, some packs had 2 in but others had 3.
If it's left to an assistant to choose, you don't necessarily get the freshest or best value.

It's also a good opportunity to check if there are any interesting reduced items.

If you can't cut your grocery bill any more, then you can't so don't sweat it.

Pollycat

Wannabe01
it looks like you're already addressing lots of ways to cut your bills, so just crack on with the spending diary.

As it seems that you've probably got some spare cash each month (even if it's not the £468.15 on your SOA), I suggest you split the £20,000 debt into separate acounts so you can see which debts are costing you the most money and then you can concentrate on paying them off first.

Good luck.