To be so sick of being broke?

Thats £99 for the first month only. Then its £159 every month after even on the 12 month subscription.

Plus about £600 a month on debt repayments. Plus paying board and lodge for two adults with their own income.

Sorry OP I know you just wanted to vent, but this is a nice family holiday, regular meals out, or whatever it is that you want to be able to afford. Most people couldn't repay £600/month debt and also afford things like you do. To be fair you could be paying for avocado on toast and ski lessons in that grocery budget!!

It is a nightmare and we're told it'll get worse.

Ive gone through you're breakdown - I hope it helps.

Rent - £600 - can't get lower than this
Gas/Electric - £450 (paying off debt) - I am currently working on a roll out of free large capacity batteries to households through which utility costs can be reduced (think buy cheap use when expensive and sell excess when expensive) should save people c£1-2k pa depending on electricity use. Hold tight.
Water - £100 (paying off debt)
Council Tax - £165
Council Tax debt - £230 (paying off bailiffs)
Mobiles - £100 (2 on contract, paying off devices, 2 PAYG) Move these to all in packages with smarty, lebara or lyca. You will more than half this bill.
Car Insurance - £45
Diesel/car maintenance - £100 (DH needs the car to get to work as does permanent nights) - would suggest doing minor services yourselves (oil and filter changes) you can YouTube how to do them for every make of car known to man.
Internet - £65 (need top speed as WFH FT) - you can get better deals than this. I have BT 400 infinity its £41 pcm and it guarantees 400mbps speeds. There are cheaper services but you def dont need a £65 service.
Subscriptions/VPN - £66 - you can get this cheaper look at shark surf. Do your own due dilligence. I personally use Opera as my Internet service - it stops tracking etc and acts like a vpn free (well that's how I understand it anyway!)
Gym - £25
Mounjaro - £99 - go to the GP and have this prescribed or goggle what supplements to take to kick start GLP-1
Debt - £112
Groceries (including toiletries etc) - £850 (ish). This is a toughie. I buy

• chicken fresh from Tesco or ocado. It's £2.15 to £2.25 per kg for drumsticks or legs.
• frozen salmon from farmfoods - its £7.50 a kilo.
• mince/steaks from lidl or aldi but I do check for offers on supermarket websites.

You could also go shopping when it's yellow sticker time - morrisons bread go very cheap about 30mins before they close. But dont waste money travelling all over to save a few pence.

Check out discount dragon and approved food for tinned/packet foods - take account of shipping costs.

My current contract ends in 2 months. I have no work to go to. I'm a contractor. Last year I worked just 3 months and didnt sign on because I thought there'd be a contract with me tomorrow - yes for 9 months!! Thid contract pays me 50% of my previous contract so there is no spare money - the bottom has fallen out of the market I work in.

I have a big mortgage (4x your rent) and like you, 2 young adult kids at home who aren't earning their way yet. This month I have budgeted just £400 for shopping. I've just done a £90 shop at ocado because my dd is gluten intolerant. I'll do 2 farm food shops (we have 4 dogs and their food is more than 3 humans tbh) and a weekly morrisons/tesco/lidl or Aldi shop. I did the same last month. I managed it.

Good luck.

Like I said, it's sh1t!

It is both actually depending on the product. Acrivastine is basically the same as cetirizine which you can get for about a quid. There is never any need to pay for branded drugs. Anyone who does wants their head feeling! It's easy to ask at the pharmacy if they have a generic version. My pharmacy always asks me if I want the cheaper version of everything. Of course I ffin do!

No one who spends that much on food is broke.
I don't even know what to say about the idea that Mounjaro is an essential.

By your budget you do have at least £500 "spare" per month that you are choosing to spend on luxuries.

Subs, Gym, Mounjaro, Contract phones, ridiculous amounts of food/groveries, superfast internet.

Tesco gf spaghetti is much better than their fusilli/penne pasta. And their gf rolls are much better than their gf loaf, which I agree is like sawdust.

I am interested in where you are getting the mounjaro from at that price.
You state you are on the higher dose , i havent seen the lowest dose at less than £125 and higher ones goes up to well over £225 .
I am taking it myself and know thats not the correct price , but if it is i will be changing suppliers myself .
I am old , so only on a pension, but i spend between £80-100 A MONTH on my food shopping , one person.
So you must be shopping at Waitrose to spend that much .
Nothing else to say , but would love to know about the Mounjaro

Do you budget?

You could get buy on max £500 for groceries with things like meal prepping, batch cooking, using frozen veg etc, eating less meat. We're a family of 4 and spend about that. Also things like using a bar of soap instead of expensive shower gels, lots of little things like that can make a difference. I could do you a meal plan that would save you money

My friend has joined the council a new department finding properties that are empty, vacant and persuading owners to hand them over for social housing. They'll spend up to 35k to upgrade the property then lease from you. Guaranteed income. The salary is excellent and she enjoys it.

It's always worth checking out your local council, education authority, for posts.

OP, if you have experience with caring for your daughter you should look at your local council and surrounding areas and look for jobs in adult social care, like unqualified social workers. In my LA they are call social care practitioners and we also have admin and team support workers who do lower level stuff, but if you’re good enough with computers and have experience being a carer then they could be good transferable skills. The starting salary is over 30k and you go up every year until you’re at the top of your band. 35kish

Thinking further about jobs - are you looking for jobs at a higher salary or the same as now without the free labour? If you and OH both did the same hours as now but got paid correctly for those worked, you’d be approx £800 a month better off!
iIn this instance, a sideways move would definitely be a massive step up

Quite. You have to reduce your fat intake anyway. If she was passing loads of fat, she was eating loads of fat and.didn't adjust her diet

Best of luck. Start at lowest grade and work up. The prospects and pension are great

Looking through your budget, it is the debt payments which are killing you, plus the high grocery bill. As a couple of other posters have suggested, Dave Ramsey is great for this type of situation. He has a good plan for anyone looking to get out of debt. I know you don't want advice, but you are going to keep feeling miserable until the debt is cleared, but when it is finally cleared, you will feel like you've had a massive pay rise! Ditto cutting down your food bill - batch cooking stews etc in a slow cooker is your friend here.

i know your post is in jest but the tins of beans would save a fair bit off the food bill

So presumably you were eating copious amounts of fat?

It's Italian and definitely needs boiling for longer. Husband picks it up so I'm not sure if it's cheaper. I like the co-op gluten free fusili, and the Asda spaghetti .

Sometimes Amazon can be cheaper for bulk buying rice and pasta. I think Tesco was cheapest for bulk buying rice.

I'm sure there's a comparison site somewhere.

Haven’t read the whole thread so someone may have mentioned it, but have you looked the Dave Ramsey baby steps. They involve hard work and sacrifice but they work.

As an aside from all the tedious money talk…… blumin’ well done on the weight loss, that’s amazing!
Is there a plan for tapering down or are you still in the losing phase? I’m assuming (and I know precisely zero in this area) that it’s an expense that will run its course once you get to maintenance?