Genuinely how do you start?

Catscoffeecake

are you in a sky contract? might be worth checking as if not then you could probably get a better deal as generally sky isn't that expensive these days unless you have sky sports or sky cinema.

are the bills listed before or after her share? if before then I would add her payment to your potential income as well as that means you are also spending that as well.

How do you currently budget your spending? do you have the money separate for groceries for example or are you guessing how much you spend? i know you said you used to do envelope system with cash before, but alot of banks now do pots so it may be worth using this for an online version of it.

is there any opportunity for you or your partner to earn more money? overtime? side hussles? surveys? do you have anything you could sell?

my concern is that all time you live in a property where mortgage is so high you are always going to have a tight budget, obviously the other debts don't help.

MillQueen

https://forums.moneysavingexpert.com/discussion/comment/82034067#Comment_82034067

What are your thoughts on the costs where there might be room for some movement?