I am in a mess and don't know what to do

ShirePiskie

Feral_Moon wrote: »

If she's only spending £11 for BOTH of them to get their hair cut at home why on earth would she waste money on fuel driving to a college where it would probably cost her more to have her hair cut by a student as opposed a fully qualified hairdresser? Makes absolutely no sense at all.

I could understand if she was visiting a salon and paying £30-£40 per haircut! But she's already paying a minimal amount for this.

For a start it was just a suggestion, you know, trying to be helpful, not an instruction.

Secondly, maybe try reading a post properly before jumping down someone's throat - IF she is making a trip to the shops/ town anyway and the possibility of her other half getting it for free.

What exactly are you contributing to this thread apart from being rude and making people less inclined to offer advice (and this is a public forum so it will all differ and some will seem less useful than others)?

"Feral" is right for a username, having obviously never come in to contact with manners.

sugarcube84

uselessnow wrote: »

We each have our own things we won't trade down on. I would never insist on butter, sausages and tv package. Hair cuts and windows cleaned are more important to me

The point being that I tried to trade down on these items and then reinstated them, however you don't even want to try.

Sorry I'm just being honest, good luck anyway.

jayII

uselessnow wrote: »

We savr money by washing and valeting car at home. Never pay for it to be done. Haircut is whenever it needs doing. Windowcleaner once a month. Money has been saved elsewhere. I am pleased with how much I haven't spent in the last couple of weeks compared to what I would normally spend

I think you're doing really well. We all have areas which are priorities to us, be it cigarettes, a nice mobile, occasional evenings out with friends or even just the odd 'treat' food or drink. Only you can decide which area (or two) is an absolute priority for you. If you decide that sparkling windows are worth paying a little bit less off your debts, then that is your choice.

I'm trying to build up my savings and make my house as clutter -free as possible, but I still spend some time playing online games, rather than using that time to do additional surveys, work from home, or clear out cupboards. That is my choice.

I would only say that when choosing financial priorities, you (and everyone trying to pay debts or save money,) should take care to consider the implications of all possible choices before making a decision.

[Deleted User]

Had a spendy day today. Car needed filling up.

crazycamper

Hi,
I have not read all of the replies so apologies if this has already been mentioned. Definitely get in touch with Step Change, they will arrange a call to go through everything, takes about an hour & then they send you a pack everything you have discussed on. Once I had my information, I contacted every loan & credit card company myself & put them in the picture. Every one of them, froze the interest straight away & set up a plan that I pay £5 or £10 a month to. As long as you keep them informed, most companies will help you. I preferred to deal with them direct because it can take longer if it is done through Step Change. If you have secured loans, they need to be priority . Good luck.

[Deleted User]

Just signed up for the Winter Fuel Discount with Energy Provider. Received an email inviting me to do so. Hopefully I will get it again this year as it made a huge difference to the electricity bill:)

parsniphead

Keep chipping away. It will become second nature.

Anything to cut the cost of fuel used in the winter can't be bad.

[Deleted User]

Contacted HMRC today to sign up for the marriage allowance. I have transferred the maximum allowed from my tax code to oh's. It means that he will pay less tax this year. Which means more money coming in when he is working again.

[Deleted User]

Update on Santander credit card


Santander - was £5754.02 less direct debit payment £119.3 plus interest £63.76 Balance £5698.42

randomer

is there any way you can shift that and not pay as much interest?