I would appreciate your thoughts on the above and if there are any other ideas
Include details of the interest rates on all of your debt, and any savings balance in the credit union.I’ll look at the template and fill it out
I’m the main cause of the debt and fully realise I shouldn’t have ended up in this position. Better management of our finances will obviously be key going forward
Yes we have spent time reviewing our spending habits. I know this needs to change before we take the pepper option or we will be back here in a few years again.
We don’t gamble, smoke or drink, neither of us have expensive clothes or a flashy car. We rarely eat out in restaurants. We do spend on our nieces and nephews and our dogs want for nothing! We don’t go on holidays every year. IMO it comes down to very poor management of our finances, not planning our spending and most importantly.. ignoring the debt as it built up.
I’ll look at the template and fill it out
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