Must start to reach the FINISH

Thinkandgrowrich

Been a while since I've logged in although it is never far from my mind.

I am going to look at cutting my energy costs I have put he heating and water on timer and make sure the thermostat is down to zero anytime I am out the house, I need to get onto the comparison sites too to see if there are any cheaper options.

I didn't think my groceries were high but I am wrong it seems so I will see where I can cut back we rarely buy takeaways but our youngest is still in nappies so that adds a bit.

Currently debts stand at:

Very £29
Next 67
Tesco £850
Marks and Sparks £1066
Nationwide £1691
Halifax - £2479
Natwest £3036
Overpayment £211

Total 9429

I have filled in the tax claim form and am waiting to get the refund back which will clear next, very and some off the m &s too. Fingers crossed I don't have to wait much longer.

Doesn't seem to have gone down much but things will get better I know they will.:)

helpme_115

Looks like you have paid some off which is great

Our Groceries include nappies too (1yr old in size 4 and 3 yr old in pull ups) so think its possible, just depends what you like to eat/drink.

I find that if I shop at aldi I struggle to spend £40 a week to feed the family (including nappies and alcohol!). Majority of food is cheaper (but not all!) and we dont notice the difference in quality in most.

They have everything we NEED but not some of the nicer things in life which to be honest are treats. Also finding ourselves losing weight too.

Ive actually reduced my grocery budget from £200 to £175 (though might be pushing it!)

For the Energy bills, Im really harsh on our usage. I dont use the timer for heating/hot water, they are always off. If cold then we hit the button for it to come on for a hour with the aim of 2hrs a day max (Morning and mid afternoon, cooking heats the house up a bit in the evening). Im always warm anyway (grew up in a cold house maybe?) but the wife hates it, all she does is put a hoody on and shes fine.

Again its down to personal preference, I force this on the wife a bit and I know that people think im crazy! but then again £43 a month is a lot cheaper than anyone i know.

Thinkandgrowrich

Been a while since I have been on as mainly update when I have made progress just to keep me in check and on the right path.

Currently my debts are:
Very £0 CLEARED
Next £0 CLEARED
Tesco £825
Marks and Sparks £1093
Nationwide £1692
Halifax - £2452
Natwest £2972
Overpayment £211 - should have enough to clear this this week.

Total 9245

I am gradually reducing my shopping bill so going in the right direction. I'm really busy so will have to log off but will try and pop back soon.

twiggy86

Well done on clearing not one but two debts!!!! And I see some of the others have gone down by a healthy amount too!

helpme_115

Great stuff keep us updated