before we start our DMP

mum2one

for the opticians have you got a specsavers, they had good offers on, and are fiar priced in terms of bi-focals or varifocals.

With CCCS they allow budgets for the number of people in the house, if there saying £161 and your opaying £450+ then other areas of your life are suffering.

As for over paying, that will be the figure there use, if you had a payrise or won the lottery then thats a different matter, but just for example they allow £30 for haircuts, and you don't spend it then that £30 may be needed somewhere else. x

jgh

Tigsmom wrote: »

It's lack of financial education that got us into this mess. Both of our parents weren't too good with money. I think they should teach schoolkids how to manage money properly.

All the best, but this comment really gets me. When I was at school in 4th and 5th year we had Design For Living, one of the modules was finance and we were taught about current accounts, mortgages, credit cards, pensions, etc. Was my school really so peculiar, it was only a ordinary city comprehensive.

(A quick check shows DfL is nowadays called something like Personal Health, Social Economic & Releationship Education).

mum2one

I never learnt anything about money when I was at school, even at home parents money was always discussed behind closed doors.

I know its not an excuse for getting into debt, but if I knew what I do now at 20 or even 30, I wouldn't be in my situation, but as they say hindsight is a wonderful thing, s

jgh

mum2one wrote: »

I know its not an excuse for getting into debt, but if I knew what I do now at 20 or even 30, I wouldn't be in my situation, but as they say hindsight is a wonderful thing, s

When I got married I was constantly saying: we need to save for the future and she was constantly saying, no, we can leave that until later.