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Help me with getting debt free :-)
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If your income has only just increased then obviously this debt has occurred previously on a lower salary so many posters seem to have missed this. It is important to be accurate going forward so a spending diary is a good call.
Gas and electric looks high. Are you being economical with this? Groceries is high but I understand that if you have ND children they can be fussy although my ND grandchildren seem to go for beige processed food which is often cheaper than unprocessed.
You will have a fairly high disposable income of £1k on a debt of just over £7k so this is easily fixed. How quickly you clear it depends on interest rates. You have put down 0% against most of them but I am guessing that is not correct. If it is correct then you can divide the surplus income between savings and debt. If you are paying roughly 20% on debt like the Tescos card then I suggest you prioritise that.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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