0% Balance Transfer or Loan?

londoner2019

Good luck with everything. As you suggested, all the spends are household, and not so much for individuals. So the debts should be considered joint, even if they're in your name.

Just by laying everything out in the SOA, as well as suggesting solutions (the coffees and take out), you can tackle this!

NeverendingDMP

Hiya as someone else who has spent I don't know how long trying to get the other half to see the full financial picture I wish you luck. 
I think getting as much on O% is your best bet for the moment. Your VR would give you 12-18 months of just in case money whilst you look for another job. Potentially though if you are both savvy with the funds it could be used for debts/to start a deposit fund.
Just some general comments around your budget though if that's okay. Your childcare costs are massive. I've experienced the same when mine where younger. It's a huge but necessary knock to the finances. Do you use tax free childcare/are you eligible or if not have you got it in the diary to use as soon as you are. 
A Monzo,chase or separate debit card that you preload might be an idea for groceries just to highlight it as a spend that easily over runs. And some will offer cash back and rounding up of spends too. If baby is still young then nows a good time to gently track the spends as baby led weaning, toddlers and children in general can up the budget really easily. Will OH family be happy to contribute extra to flights when baby has to have seat of their own on the flight-just a thought for the future. 

Emmia

NeverendingDMP said:

Hiya as someone else who has spent I don't know how long trying to get the other half to see the full financial picture I wish you luck. 
I think getting as much on O% is your best bet for the moment. Your VR would give you 12-18 months of just in case money whilst you look for another job. Potentially though if you are both savvy with the funds it could be used for debts/to start a deposit fund.
Just some general comments around your budget though if that's okay. Your childcare costs are massive. I've experienced the same when mine where younger. It's a huge but necessary knock to the finances. Do you use tax free childcare/are you eligible or if not have you got it in the diary to use as soon as you are. 
A Monzo,chase or separate debit card that you preload might be an idea for groceries just to highlight it as a spend that easily over runs. And some will offer cash back and rounding up of spends too. If baby is still young then nows a good time to gently track the spends as baby led weaning, toddlers and children in general can up the budget really easily. Will OH family be happy to contribute extra to flights when baby has to have seat of their own on the flight-just a thought for the future. 

I think whilst the idea of a different account for groceries is fine in theory, it requires the OP and the wife to be disciplined to use it like this, and not to "top up" or buy things  using other accounts / credit cards.