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I've really got to sort it out
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Are you using tax free childcare?
Have you tried downshifting on nappies or shopping around for the best deals?0 -
So I am ashamed to admit that things got out of control, instead of clearing my debt it increased to £-4,450. I just wanted to post here so I can feel shame. I am definitely an emotional buyer and things got out of hand lately.0
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We all have those moments. Just means it is time re-evaluate and try again.My Debt free diary
https://forums.moneysavingexpert.com/discussion/6492297/10-000-steps-1-step-at-a-time0 -
What did you end up buying? Can any of it go back. I found taking my card details off websites helped, or maybe your phone if you pay that way?
Your groceries seem high for 3 people. Do you menu plan at all?*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0
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