Wonky road to wellness

Wonky_Teacup

- author removed -

foxgloves

You may find you can save a bit on your grocery spend, Wonky. There are two of us, as well & we budget £50 a week for groceries. This also includes cat food, household cleaning stuff etc, & basic toiletries such as soap, bath bubbles, deodorants, etc. Some months we go over budget by a small amount & occasionally we underspend, but mostly we do come in pretty much on budget. We cook from scratch, use Aldi for our main shop but also use local market for great cheap fruit & veg and butcher for good meat deals. You get to know where things are cheapest. For example, our cat's meat is always bought at Wilko's now as it is always £1.35 less than the RRP & at a box a week, that is a decent saving over the year. When we initially started debt busting, we found we could save £2000 a year by taking packed lunches to work instead of kidding ourselves 'meal deals' were good value! And we now have maybe 4 takeaways a year instead of 1 a week. We always meal plan & write our shopping list based on that. It avoids that well-known drainer of funds the 'top-up shop' where you go in for milk & spend £30! So it's doable & defo an area where good potential savings can be made.
Good luck!
F

EarlyRetirement

You are doing amazingly well. Good luck with the de-cluttering, I'm doing the same at the moment.

[Deleted User]

Well done to your DH on his promotion, well deserved.

You're doing well and will smash this debt in no time x

MovingForwards

Your budget looks good but keep an eye on you gas/elec as £7 a month each could be a little low.

Also, your entertainment budget drop that to £65

Put £5 into an emergency fund /pot.

As you are mostly managing ok on your OH's wages put his payrise (or 90%) of it into the debts as you have sussed you can pay them off quicker.

Working as and when would be good, gets you out a bit and chatting with other people. You know your limits, do not push it as you do not want to knock yourself about.

Have you looked into whether you are entitled to any benefits due to your health condition(s)? You never know and may get an extra few quid.

MovingForwards

If you can manage a bit of office work register with some agencies and say you only are interested in a day or two as I still get texts from an agency putting a call out for one day of work (admin/data entry/answering the phone), or see if you can do a bit of voluntary work for a charity doing a bit of paperwork for them for a few hours a week.

You don't need a degree to work in an office (unless you are after a specific type of role which I doubt you are).

Look at maybe doing a short course in typing / admin again an hour or so a week, short 'exam' at the end of it and gives you that bit of paper to say you can do X.

I am sure you will land something which will fit in round you