I don't really know what I'm looking for here just a moan and hopefully some advise to get saving and motivated
I feel stuck in a rut and don't really know what to do ,
I'm 38 and bought a small 2 bed in 2015 , but used the government help to buy scheme , I'm paying interest on that loan at moment not much that's manageable but iv no really plan for paying this off
I'm on 41k a year iv nothing saved at all and debt of around 2300 quid , this is debt owed to parents, iv around 28k equity in the house so selling isn't an option as with the current market I would t have enough of a deposit for anything better than what I have
Could any body give me some advice re my outgoing and where I might be going wrong , I have detailed below best I can , I just want some motivation to get saving
DH works full time also and buys shopping each week and has his own bills like car finance and he has credit card debt , we have just finished paying nursry bills that was 140 quid a week so from this week DH is gonna save that
My wage as follows
Take home monthly £2498
Bills including car finance - £1080
Money owed to parents I pay back at -£400 quid a month
Trying to save 500 quid also to match roughly what DH saving
Leaves me with around 140 per week personal spends which also includes fuel
What should I be saving ? I just feel bad that I owe money and so does DH , he owes around 5 grand on a credit card , we both have car finances also
I feel in a mess