I need to sort my finances out.

[misdee]

i am screwed up. i am living in my overdarft which i hate doing. any tipsn on how to sort this out?

flog on ebay. that's what i'm dong. we're out of overdraft all of about 2 days/month.

btw, this is not a plea for cash, just for tips. peters IB will stop in june so we will be another 300pm down, so need to sort this out before then. am 1500 overdrawn.

i am sorting out for a car boot sale in april time.

am £1150 in the whole ourselves. so sux! seen the economising thread?

nope? where is it?

i have eaten out waaay too much lately, must make sandwiches lol.

do you have a budget spreadsheet to show all incomings and outgoings? Use the one on Money Saving Expert - it is fab as you can budget for teh year.. once you have an ordered list of all outgoings, see what you can get rid off -even temporarily and see which you can get cheaper elsewhere - gas elec etc.. then sort out getting all DD and SOs out on the same day of month so once they have gone you can see exactly how much you have left to spend then work out weekly budget and take it out in cash do not take cards out with you... this is hard but got me out of debt -- but only works if incoming is bigger than outgoings!!

since xmas spending has gotton out of hand. feel so . i put 65per week away (my carers allowence), so i know i could clear it if i carry that on. but really want it cleared quicker.

try this:

economising