Trying to Tackle Debt

MallyGirl

"Internet Services....................... 0 - Do you not pay for broadband ?Covered in a TV/Phone/Internet package (Virgin "Rubbish" Media)- Looking into terminating cost of terminating contract early or down grading"

where is this in your SOA - entertainment?

benlwatts

Yes i had put it under entertainment

SpekySquarehead

I would suggest starting a diary on here. It's helped motivate me hugely as it makes me accountable plus others can, and do, tell me when and where I'm going wrong.

You're on the right website to help and you've made the first step. There are lots of challenges available on this site to help encourage you. Give it a try, you've nothing to lose.

Good luck.

Ebe_Scrooge

benlwatts wrote: »

as for food we have started using Lidl/Aldi and this has already reduced it down to about £120 this month the figure stated is going on what we used over the past 3 months.

Well done you :beer: That's £80 a month you're saving already, you've definitely got the right attitude. I converted to Aldi/Lidl years ago, can't fault them really. Yes, there are some items they don't stock and you need to do a top-up at Tesco or wherever, but for everyday staples the difference in price is ridiculous.

On the packed lunches front - it depends what you like to have in your lunch, but very often it's possible to make up a week's worth of lunches on a Sunday evening, freeze them, then you've just got to remember to grab the bag from the freezer when you head out in the morning. Come lunchtime, it's nicely thawed. Obviously not all foods freeze particularly well, so it's not suitable all the time, but worth thinking about.

I just want to reiterate - well done for taking the bull by the horns, and for accepting the useful advice posted by various people here With the right attitude and a spot of determination it's surprising how quickly you can kill off what seems, at first, to be the most frightening of debts. Been there, done that, got the t-shirt

benlwatts

We used to be really good with food and buy in bulk and do mass slow cooks and freeze them in portions. and then take them out the day before, but for some unknown reason we stopped, can't think for the life of me why we did as food bill then was about £80-£100

Kitten868

Massively impressed that you've been so honest. That's the best way to do things. You can actually get a real idea of where your money has been going. And shock you into fixing things.
I think you can see what you can fix and what isn't what you thought straight away ie phones and food and virgin. Is that wedding savings fixed - is it repayment?

That £80 is a great start for snowballing. Start it going and you should get some 0% transfer offers through.

Lucky girl - thats a super pricey ring!

We will see you on diaries? X