advise with Debt Management Plan/IVA

MrC1977

happycamel wrote: »

You might be able to do something with your mobile and internet charges. If you're not in a contract go payg. If you are most phone providers now do broadband as well - we're with O2 and only pay £6,50 for broadband, which makes me feel a bit better about DH's iphone at £30 a month.

Can you cut the groceries down a bit? Is this really all you spend? Make sure you aren't buying food out the house - make sandwiches for lunch etc.

Sort the entertainment out! This is excessive and you can't afford it right now.Firstly work out where it's going then work out how you can cut down. For a start try doing everything half as much. So if you usually buy 4 pints a night buy 2 and make them last. If you go to the cinema every week go every other instead (or borrow DVDs from the library for £1 a week). Tell your mates you need to cut back a bit, they might take the mick a bit but they'll respect you for facing up to your problems and dealing with them.

Time to start a spending diary

Good luck

very good advice thanks. started a spending diary which scared the living [EMAIL="!!!!"]!!!![/EMAIL] out of me - which is what prompted this action. Food i have cut down and I am trying to cut down more but where i travel it is not easy to always take lunch. but am taking small steps by picking and choosing where i buy when i have to. e.g. supermarket and not service stations.

happycamel_2

Ahhh, travelling by car is easy for food. I keep a multipack of cans of drink and a load of cereal bars and crisps in the boot. Not the healthiest but they keep well, doesn't matter if they get hot in the summer and they'll keep you going 'til you can get something better.

Well done for getting started and choosing where you buy from - fantastic start.

Marisco

Or you could make your own sarnies the night before and put them in the fridge ready for the off - especially if you start work early;) Or for a change make up a "salad bowl" and put some pasta in with it, hard boiled eggs, tuna etc. Much cheaper than buying the "ready mades" at the supermarket!