Eyes now wide open

enjoyyourshoes

You and partner need do be in this together so you can both focus and work towards the same goal.

Try not to use credit card
Don't pay credit for anything (car insurance pay yearly not monthly)
Look at the tariff for phone, etc and maybe 'rationalise' luxuries (sky etc (that's a euphemism for cancel!!))

Daily reconcile you current account and don't spend if you have no money

Put any savings (for annualised bills etc) into highest earning account you can find and get benefit of compound interest

yummymummy10

Hi All

Thanks for your advice much appreciated.
Have called sky and my ee to down grade price plans so have saved £10.00 in total not much but something. Also OH is going to help some more with bits so hopefully on my way.

Thanks for your kind words and help hopefully i will crack this by this time next year