Can Anybody help? My S.O.P

moanymoany

Sorry to point this out, but your mobile. tobacco, driving lessons and even the Xmas vouchers are luxuries. If you were really serious about paying off your debts they could go. I have a mobile on payg and it really is for emergencies as I use about £20 a year!

This will give you an extra £120 a month - £1440 each year.

Cleaning in the evenings, just 3 times a week could bring in an extra £1680 each year. In one go you have an extra £3120 in one year.

It is easy to be lured into thinking extras are essentials, they are not.

Many years ago I worked in an office and one day one of the girls came in looking very thoughtful. At teabreak she told us this story. The evening before she had asked her parents to give her a loan until next payday, she lived at home. Her parents agreed, but sat her down and had a chat with her. They showed her all their financial paperwork. She was shocked to discover, that they ran the house and their lives (mum didn't work) on her dad's salary - which was less than hers.

Now that was a light bulb moment!:rolleyes: