To hope that the CofE can kill off Wonga, but think they might struggle?

[ShadeofViolet]

BBC Link

I would love to see an end to Wonga, but we already have credit unions, I dont know how we can change the culture.

IIRC, with our credit union, you have to save first, then you can borrow. Maybe that is what is putting people off.

[Owllady]

I will oput my hand up and admit I am rubbish at dealing with financial issues but partly it's because I am a carer of a severely disabled child, get very little sleep, have had to give up paid employment to care and dealing with finances comes after the care and all the appointments (and sometimes me getting a better night sleep)

If any of you though have any advice, simple advice, on what would make it easier for me to manage I would be very grateful, thanks

[Owllady]

I think food is extortionate too. A small trolley full of food now is near to or over £100 - i dread to think what those large trolleys come to (I wont allow myself to have one anymore just incase I have the urge to fill it up!)

[PostBellumBugsy]

Owllady - at its most basic you need to understand exactly what money you have coming in every month and then you work out what goes out each month.
With the outgoings, look at the absolute can't do withouts first, so that is rent/mortgage, council tax, fuel, water & food. Those are the things without which you can't live in your home. Then you look at all the other things.
After you've done that, you can start looking at whether you can reduce any of your expenditure by swapping providers, changing supermarket etc.
MoneySavingExpert //www.moneysavingexpert.com is a great website full of lots of great tips on all of this stuff.