Hi
About to have my salary halved for flexible working and will now have childcare outgoing (but childcare vouchers and child benefit will cover about 70% of this).
What are good ways of reducing outgoings? We are already not going out etc, have cut clothes/toys/other purchases down to non-existent, looked at changing our telephone/broadband provider et..
but I know there are whizzy things you can do with transferring credit card debt and stuff like that, but am clueless about it?
We have about £2K on overdraft and about £2K on credit card at the moment. Mortgage is about £700 a month and we have no other debt. Transport costs of about £40 a week each We have yet to work out utilities exactly again, need to do this now really
Is there anywhere good to work out budget etc? So about £173 a month. I am not very good at this sort of stuff!
How much is reasonable to spend on food for two adults and a baby?