Budgeting without actually having debt

MFWannabe

ViolaLass wrote: »

Or just block her from your phone and email and stop paying her immediately.

Exactly right!! Then put the £100 per month to good use and pay off the credit card debt.

iblametheparents

Change electricity/gas supplier via quidco/topcashback - I change all the time, once one change is complete I change again. I can make between £70-£130 every two months from that. Every time you buy something online, insurance, gifts, anything, then go through a cashback website.

Definitely give up smoking, I'm so glad I did. Save myself £150 a month from not smoking, although it does just end up getting spent elsewhere! I should really save it in an account. I took Champix for a couple of weeks, prescribed by the doctor, and found giving up so easy.

I don't drive and don't really need to, live in the city centre, have no kids and can get a bus/train to most places I want to go to and I have a bike for places I can't get to by public transport!

Definitely get rid of Sky, there's nothing wrong with Freeview and in the process you'll stop lining Rupert Murdoch's coffers.

ViolaLass

I love the inference in the title of this thread that you would only budget if you were in debt...