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Original poster

Overspending please help

158 replies

SunConure · 08/04/2026 14:48

To be losing £500 per month. I am overspending by about £500 every month and I need some help to get it under control.
£1100 mortgage + council tax + electric gas etc
£110 phones for me and dc (in contract! )
£500 food (I am addressing this - joined a larder!)
£360 medical bills
£280 cleaner
£200 utilities on holiday home (no mortgage)

£200 travel to work
£100 pet insurance (high b/c of past claim)
£100 dc pocket money and activities
£200 loan repayments
£100 car
£2-300 on general living

OP posts:
oldmanandtheangel · 08/04/2026 14:56

Hehe you are asking this while stating you have a cleaner and holiday home....

BlueSlate · 08/04/2026 14:56

You're sending around £70 a week on a cleaner?

Is that related to your medical bills cost? Or something that could go.

Do you need a holiday home?

Can you cut the £2-300 on general living? Eg how much of thar is coffee and cake? Or pre brought lunches? Or stuff from Avon that you don't really need?

I know you've said you're addressing the food bill but you might need to be quite ruthless on that.

How many people are you feeding?

redskyAtNigh · 08/04/2026 14:56

Well there are some obvious things to look at ...

£110 phones for me and dc (in contract! ) - this is ridiculously high. When do contracts end; can you negotiate a reduction?

£360 medical bills - can these be reduced?

£280 cleaner - guessing this is for your own house and holiday home? You could at least clean your own house. If your dc is/are old enough for phones, they are old enough to help

£2-300 on general living - can you break this down? Any savings to be made?

toomuchfaff · 08/04/2026 14:54

Doesn't it seem a bit obvious?

Sell the holiday home, lose the cleaner.

Magic

Boomer55 · 08/04/2026 14:52

The medical bills sound a lot, as do the vet bills. The holiday home could go.

The cleaner could go.

The food bills sound high.

Perhaps just look at what you really need and what you don’t . 👍

MyNeedyLilacBird · 08/04/2026 14:51

Cleaner has to go is the first step

Pippa12 · 08/04/2026 14:51

Clean yourself and your over half way there?

Mookie81 · 08/04/2026 14:50

£580 on holiday home and cleaner stands out.Hmm

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