Is anyone else just stuck in debt and fed up?

It sounds like you're doing everything you can. It is tough. I'm not in debt now but I was and I also had two jobs and it was miserable! I used to scour moneysavingexpert for offers and freebies to bring a bit of joy to my life.

What are the APRs like on your debt? Could they be moved to 0%? How long will you be paying them off? Can you sell anything on vinted?

I always had to pay for any tutoring , piano lessons etc if I was to cancel the children’s lessons last minute. You shouldn’t be out of pocket because of a last minute cancellation. Can you not get them to pay say four lessons in advance or a monthly invoice paid in advance like swim clubs do and piano tutors do then you’re not out of pocket because of a cancellation.

On a 2k income you’ve still got over 1k of available money even after your mortgage, bills and debt.
It should be enough to feed one person, I haven’t seen you mention any child items on your budget?
It really depends on how much your debt it and where it has come from.

I think you need to re-visit you tutoring T&Cs around cancellations - why should you miss out?

Haven't rtft but just want to check whether you are time travelling from the 1990s- your mortgage, gas, electric, CT, gym are all unbelievably low!

The money you pay for the boiler- could you put that money away into another account every month until you get to £1,000 or £1,500 then you know it’s there if you ever do need a new boiler and there’ll be a little extra there for a service every year. Then when you’ve reached your target that then becomes spare money a month. Same with pet insurance , though I appreciate that’ll take a much longer time to get a cushion large enough for emergencies. But if you saved up until you had £2,000 perhaps then that’d be enough for a one night emergency surgery (we had this - cost £1,700 to pick him up the next morning) but obviously isn’t going to cover if any ongoing long term medical conditions.

There is something wrong when a decent hard working person is paying out like this and worrying. Its bloody outrageous.
The only " luxury " I can see is the pets. This the reason we don't have one.

If your boiler broke do you have the means for a new one? I speak as someone who had to live with no boiler for two years. I might be a good idea just to look for cheaper insurance.

Good luck with the care home work.

If you do more tutoring, put together some simple T&Cs that include the requirement to still pay if someone cancels with less than 48 hours notice or whatever and make sure everyone you agree to tutor has been emailed a copy of the T&Cs and replied to say they accept them. Then if they do cancel and don't pay you can take them to the small claims court to get your money (most people will pay up when formally notified that you're doing this because then they'll be liable for costs on top of what they owe you).

Your bills by the way are modest - it's not that

Definitely look at your statements OP - print off and highlighter pen all the regular bills you pay and then look again at anything non highlighted - it's going somewhere unless you are bringing in less than we think due to large pension payments/student loans etc

Poor cat. What a miserable thought.

Not an immediate thing by any means, but when your current cat dies (hopefully of old age, many years down the line), if you’re still financially stretched you could look at fostering for the Blue Cross instead of adopting another.

I have a goddaughter who does this - it means she gets to have cats around the house but isn’t on the hook at all financially. The Blue Cross covers all the medical bills and pays for food/litter supplies. She travels a lot so it’s also more convenient for her than having a permanent cat she needs to arrange a sitter for - she times taking on new fosters around her travel plans.

Awful pro/con risk with pet insurance. If an animal gets a low grade but long term illness like diabetes, it can cost a fortune.

Have you contacted the Council for reduced ct. Not sure of different Councils but if you live alone you should get a discount. Speak to citizens advice they may be able to give you advice, they are very good. Can to change your credit cards to a 0% interest?

There maybe other discounts from utilities it's definitely worth checking. If you can manage to keep petplan as it's only when pets get old they cost alot at vets, I'm speaking from experience on that. Hope you're not having problems with different opinions on here as we all have same/different ideas. Good luck

I have about 100K of debt. Paying off as much as I can each month and set up all my own payment plans rather than go through stepchange or similar

Re-home cat, food. And insurance & maintenance costs ££
cancel boiler cover or find something cheaper you are basically buying another boiler over few years … not insuring it
cancel YouTube and other app charges

Get rid of the boiler cover, pet insurance, YouTube and Netflix subscription. Treat yourself to Netflix when your ortho treatment is done.

We used to have pet plan do our cats. Once they hit 8 premiums hit the roof, had to pay at least 20% of bill (which went up each year) and excess also went up each year as they got older. Cancelled it and didn’t bother for the next cat. However I do think insuring cats depends if you can afford a vets bill or not. Even if you decide to PTS it can cost a bit to find out what is wrong with them before you make that decision. Over the lifetime of the cat usually costs less than what you’ve spent on insurance. Also rarely flea treat the cat so don’t have the vet plan. You can buy worming tablets cheaply. Never cut their claws either. The dog on the other hand ….eats stuff he shouldn’t, they are more inbreed so more likely to have health problems and mixes with other animals more so fleas and ticks more likely.