Has anyone transformed their money management skills and how

[GinandGobbledegook]

I am bad with money. My Husband is too.
I've spent my whole adult life in debt by a significant amount. It's serviceable because of our wages but it feels never ending. Despite having this around our necks, we haven't learnt. We still want things now instead of waiting. We still opt for takeaways when we can't be bothered to cook.

We've set up pots for seperate money (electronic envelope system) but dip in to them.

It's rediculous at our age and we need to be better.
We need to save for a deposit for a house when we finally get out of debt.

Has anyone gone from being appalling with money to actually managing it well? Can you tell me how?

I was shocking with money for years. Then married somebody who is incredibly tight and basically whipped me into shape. I imagine it's very difficult when you are both bad as there's nobody to put checks on you. I do recommend Dave Ramsays 7 Steps if you Google it, he's got loads of tips on YouTube. You are clearly keen to turn a corner which is the most important thing. Maybe identify your main spending triggers and try to address those first. You mentioned takeaway, and as others have advised, even if you can get in really tasty microwaveable meals or frozen pizzas, it will disincentivise you from ordering takeaway. I also find having a small savings goal each month helps. Having small savings targets helps

Snowballing helped me - sit down and write out all of your debts and the interest rates and minimum payments. Then work out whch to target first, then once that has gone use the money saved on the minimum payments to pay off the next debt and so on. I think it helps to keep it organised.

YNAB You need a budget is good for managing money. In terms of takeaways, i think some ready meals you like that you can buy more cheaply than a takeaway would help for when you can't face cooking. Also, meal planning helps, even if some of those planned meals are a ready meal, i.e "on Thursdays I get in late so i will have a ready meal then."

Making a job of managing money - other people's, as I now work in finance.
I now have 2 current accounts, both with DH. The one his wages go into is for fixed spends like the direct debits. The one for variable spends like food, clothing and fuel goes into the other.
We also have a building society account but it's with a passbook and we have to travel to the other side of the city to get the money out. Its instant access but we have to think about it.

I got rid of the credit cards and overdraft. In an emergency I can get credit if needed. I cut the cards and payed down the debt. I've got around £500 to go. With not servicing the debt, I don't need the credit.

My salary has increased significantly to enable me to do that though.

I'd take care with not having a credit card when you're planning to buy a house.

Using a credit card well has a positive effect on your credit history, and is a useful tool for several other reasons. It's also helpful to spread planned essential purchases over a couple of paydays without charge, the alternative of an overdraft will cost money and is seen as a negative on your credit history by banks so best avoided.

Just look at them as a payment tool, not free money, set up a direct debit to take the whole balance each month and use them to pay for your petrol or public transport fares or other regular essential expenditure that you're not likely to spend more on because it's going on the card.

You could do a course or meet up with CAP ( Christians Against Poverty). They help everyone get their finances in order and are free. Martin Lewis even recommends them