Help needed

jellybean39

Haircuts i get free as i have my own hairdressers, retol paid by business water is on a meter. No arrears. Life ins is right because of illness i pay over the odds. Elec and gas is good for what er were paying nearly 400 amonth at one point!! Mind u did check account am 76 pound in credit so dd might change. Water down in dorset is highest in country or near to it is ridiculous considering we at work 60 hours aweek dont know where it fors to. Entertainment is a no no never have any dosh.
Im shopped around my building and contents only 176 this year for four bed detatched house amazing1

jtr2803

Can you down size your house? Your mortgage accounts for almost half of your take home income! It says there are 3 adults in the house, is the third adult contributing at all?

I know that sounds drastic but it might be the biggest solution?

Superbiatch

Are 3 cars necessary? Also, your HP bill for 15k, is that for car(s)?

KxMx

£59 is alot for just satelite cable/tv. Get a Freeview box instead, or shop around and get a cable/phone internet deal which would be more economical, since another £40 is listed under telephone. That's almost £100 per month, far too much!

Pollycat

You say there's 3 adults in the house - does he/she contribute to the househld income?

Not wishing to make things worse, but if there's 3 adults, are you sure that you only spend £200 on groceries?

Phone land line seems high - are you on the right call tariff?

You can pay line rental for a year up-front, it works out at £10 per month instead of something like £13.99 pm.

jellybean39

jtr2803 wrote: »

Can you down size your house? Your mortgage accounts for almost half of your take home income! It says there are 3 adults in the house, is the third adult contributing at all?

I know that sounds drastic but it might be the biggest solution?

Know it sounds drastic but we have tried to sel market has just gone through the floor down here and if we drop ant more will be lower than our mortgage! so no go ther ejust seem to be stuck whichever way we turn x

jellybean39

jellybean39 wrote: »

Know it sounds drastic but we have tried to sel market has just gone through the floor down here and if we drop ant more will be lower than our mortgage! so no go ther ejust seem to be stuck whichever way we turn x

Forgot daughter 19 at uni she helps a bit and phone is internet as well x

jellybean39

Daughter works in a pub so she eats there alot and we are quite creative buy alot in bulk where we can. mum cooks every sunday so we dont worry about sundays!! good old mum xxxxx
We are stuck with like the phone line etc because we cant get cable or virgin or anything down here so we cant change that think we in the ice ages here sometimes esp when isee all the deals on the tele x

jellybean39

Superbiatch wrote: »

Are 3 cars necessary? Also, your HP bill for 15k, is that for car(s)?

yes unfoirtunaetly need 3 cars as we all work miles away in different directions and daughter at uni xx

BeautyandtheBeast_3

Hi and welcome!!

I have big debts as well, I can keep my head above water by doing extra tuition - could your line of work mean that you could offer a service in some similar way? xx