Where can I cut back?

controversy

Gnomes wrote: »

Hello all

After a relationship breakup (12 years) late last year, I had to move back in with my mum.
I'm desperate to move out, looking at house share, but with debts of £25,000 + thanks to my stupidity in my 20's and my exes gambling.

I pay her rent of £250 per month, this incs all bills but food.
I earn roughly £650 per month.
I got in touch with CAB and they have been great, with their help I'm no longer pay interest on my debts.
I need a car to get to work.

I really need to move out (different area) and find new job, how can I do this when in so much debt?
Then how do I start paying off my debts?

Thanks all

Bare with me in what I'm about to say and realize its a way to financial independence if you have a strong will.

Find a camping ground and tow a caravan onto it. Perhaps a 4 birth. With your wage you should be able to get housing benefit for your pitching fee.

Find a caravan site that has laundry and shower facilities.

Electricity and Water rates are about the same price as household token meters.

If you choose to live this way for a year or two your be able to move around the country and find jobs. A lot of young working class people are choosing to do this in UK and Europe these days since we are in the age of globalism.

It will say a lot about you that your willing to get on your bike and search the country to find work.

foolofbeans

controversy wrote: »

Bare with me in what I'm about to say and realize its a way to financial independence if you have a strong will.
Find a camping ground and tow a caravan onto it. Perhaps a 4 birth. With your wage you should be able to get housing benefit for your pitching fee.

What is it with you and caravans - do you have shares in a caravan company?
You've suggested the same thing on the employment board. From my (not very extensive) knowledge of caravan sites they can cost more than a rental property and you can't stay there all year round. Not a great way to save money or get rid of debt

Samsonite1

Can you give your cat away? I used to have a cat and they are an expense, especially the vet costs. I offloaded mine to the mother-in-law somehow and she complains about costs now (but has plenty of money)!

The car costs also seem a lot. Unless you have a reasonably well paid job that requires a car, I cannot see how it is viable to run a car.

On a related note - can you find a driving job? Either run a taxi or look for any nearby jobs that require drivers - surely they will pay a lot more than you get?

In fact, if you look at chauffeur jobs, they often provide accommodation and good salaries + a luxury car. I have seen many of these jobs and considered them myself in the past. Does not matter where they are if they give you somewhere to live?