Help I am new...

nopennies_2

This is my first time here and I really am a bit scared of you all... I have read some of your messages and you all seem to be doing really well!!

I have moved home to my parents (ekk what have I done) and aim to be debt free in a year... I currently owe: £4000.00 M&S Credit card
£4000.00 Personal Loan (unsecured)
£ 500.00 Cap One
£1000.00 Overdraft

£9500.00 Total


Would be grateful for any money saving tips for Christmas pressies, going out over the festive period....

Lucy1982_2

Pop over to this thread:

http://forums.moneysavingexpert.com/showthread.html?t=589489

As it's the Christmas supporters thread! It will hopefully give you a few ideas. Also have a read of MSE Andrea's thread which will explain all about posting and getting the most out of the board.

Good luck

Fortheloveofmoney

Hi there

There is anothe board on here that is dedicated to special occasions and they have some fantastic ideas on how to give presents on very little money.

I don't know what to advise on the going out. I tend to set myself a going out budget of £50 per month and once it's gone that's it. Whilst I know that this isn't a huge amount of money and in my spendthift days I could easily spend more than this in one night, many on here don't have this luxury so I think I am lucky.

Can you pick one function/do to go to and say no to the others? Or offer to be a taxi service to others in exchange for soft drinks?

PigginSkint

Hi!

Just wanted to say hello and welcome! You have come to the right place and there is no need to be scared of us!

Good luck!

chocaholic110

Hello! Just wanted to say Welcome! and we are not at all scary.

You could look over at the Christmas and Special Occasions boards for prezzie ideas - the hamper thread is great!

PigginSkint

Hi Choco! How similar were our posts?!