Debt debt debt!! Tired of it...

Sofa_Sogood

BettyDebt wrote:

Thanks everyone.

I do order Autarky already. I do add meat though and include some treats so I definately could cut down on dog food.

That's a start The dogs will still love you whatever you feed them, as long as it's good for them. I know, as an owner of three dogs, that it's hard to make pets do without, but it won't kill them will it?

Phone bills I'll look into cutting down though I do get a bit back from lodgers. As for sky it is one of the selling points for lodgers though I could look into some cheaper options.

A definite no-no. Not only from me by the way, but 95% of people advising will probably say get rid of Sky I think. Or make someone else pay? Sorry

Can't help apart from referring you to Old Style Moneysavers, and all the tips in Moneysaving Old Style, but good luck

PS. Where's your house insurance (poor sighted - sorry), and who's it with?

Keep posting all the outgoings. I just know people will help with that

BettyDebt

Thanks again everyone.

I've drawn up my excel budget now and included a debt spreadsheet that accounts for the interest as well. That way I can see every penny I pay off and will see the amt decreasing. Its easy to think £50 wont make a difference but it does!! This way I can discipline myself to cutting back and down and get better and better at it each month. Helps to see the total coming down though!

In answer to Sofa_Sogood

Where's your house insurance (poor sighted - sorry), and who's it with?

I dont have home insurance. I rent a home and have never had much to insure. Does everyone have home insurance? Should I?

roger56

If you rent contents insurance is a good idea. In fact I'm surprised its not required with the rental. Usually costs around £50 per year.
Look at it this way, it will cover you if say your washing machine overflows or leaks and damages the landlords property. You can then clain on the insurance rather than being landed with a large repair bill from the Landlord. Lets say its a piece of mind insurance. I'd check first with the agent or Landlord to make sure there isn't already such cover in place.

Sofa_Sogood

BettyDebt wrote:

In answer to Sofa_Sogood

I dont have home insurance. I rent a home and have never had much to insure. Does everyone have home insurance? Should I?

I'd imagine you'd need some sort of insurance BettyDebt, maybe not as much as some people. But what would happen if you accidentally did have a flood, or fire (God forbid), or if someone made a claim from you personally? I'm trying to think of a worse case scenario without scaring you, or one that didn't involve the landlord and his insurance - hoping he has some by the way!)

What if you accidentally scalded someone tripping over a rug with a hot coffee at home for instance?

I don't know the answer by the way, but it did happen to my daughter. I'd never have made a claim against the person that did it, because it was an unforseeable accident, but if I had, then what? Who'd have paid if she'd needed plastic surgery? Don't we all need some sort of public liability?

Sorry to be a miserable moron , but I think you need some insurance.

People with a better brain than mine will help. I hope!

roger56

Sofa_Sogood wrote:

I'd imagine you'd need some sort of insurance Sorry to be a miserable moron , but I think you need some insurance.

People with a better brain than mine will help. I hope!

Hey, your advice is sensible! :j

As I said in my previous post contents insurance is a sensible idea and costs around £50 a year for a small flat. Your reasons are realistic and shouldn't scare anyone.