Help!

kimwp

Gosh, that's a lot! Well, given your job, I expect you've identified the best potential deal. Just in case, my friend gets unlimited everything with three. The advanced sim unlimited data unlimited minutes 24M. It's £20 per month, but then no risk of being stung if you go over. Hope helpful.

MasterG83

kimwp said:

Gosh, that's a lot! Well, given your job, I expect you've identified the best potential deal. Just in case, my friend gets unlimited everything with three. The advanced sim unlimited data unlimited minutes 24M. It's £20 per month, but then no risk of being stung if you go over. Hope helpful.

Likewise, I get unlimited calls, unlimited texts and 60gb data, £20 a month, on EE, best decision I ever made, still got my 4 year old iphone. 

monetxchange

I'm glad to see you're taking on board suggestions here. It's always hard at the start. 

I think the reason you're not seeing where the money goes is because your SOA is not fully correct. You wouldn't have any debt if you really did spend like that and that alone each month. On here we often see a disconnect between what one part of a couple thinks they spend and what the other does. I'd bet your partner also has to do top up shops that pile up for example.

I too never thought I had an extravagant lifestyle. I was tight on grocery spending etc. But when I added it up, it was the little bits adding up and up. If it was something big, I put it on a credit card and acted like it wasn't real money. It all adds up. Watching every penny like a hawk is the only way forward.

I also concur on presents. Reduce for the kids, but get rid of them for adults - no one is really that bothered anyway. As for your wife - she is an adult in enormous debt and doesn't need presents. Cook a nice meal instead.