SOA - Advice gratefully received

pennypusher

Hi Well done on losing 5 stone what a great achievement. I notice you have spent a lot on credit cards maybe buying new clothes as you get your new figure? Have you thought about ebaying or car booting all these clothes that you will no longer need? Have you tried looking in charity shops for clothes - just a thought!! If you are buying new all the time make sure you put down an amount that will cover your costs because you really need to cut down or cut out the spending on the cards.

Can you save any money on petrol by car sharing or cutting down on your journeys? Can you get better mobile phone deals or go payg, even with the new deals they still seem a lot to me. Your satellite is costing you a lot of money consider if you really want to spend that much each month.

Definitely get rid of the debts with the highest interest rates first. Can you transfer any of your debts on to 0% interest cards because you are paying a horrendous amount in interest charges.

It would be good if you sat down together to see how you have managed to get in this amount of debt so that you don't overspend in future and also get a plan of action together to pay off your debts. You seem to be really getting into this but I'm not sure hubby is on board with it. Perhaps he would be able to help decide how to tackle the problem with you.

Good luck hope it all goes well.