Determined to get out of debt - SOA

outofdebt2015

Hi, long time lurker, first time poster. DH and I are looking to get out of debt once and for all, we are 30 now and it's time to be sensible and save for the future. I've seen these SOAs on here before and I thought it would be helpful for me to see it all written down. I'd appreciate any feedback, because I'm clueless. We are in Scotland so we have no water charges (included in council tax bill) but we also don't have free school meals for the under 8's yet either (so we are 80 quid a month for this).

Thanks in advance for any help or advice.

I apparently can't add the SOA because I'm new. Is there a way round this?

Upsidedown_Bear

Hello and welcome to MSE :wave:

When you copy and paste your SOA delete any links first and it should post OK. As you are new you can't post links so that's why it won't post now.