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Electricity: €80-€90
Oil: €130
scrap. As hard as it sounds but if the money is tight you can't go to the Cinema besides € 50 a month is a lot. The family ticket (two adults and three kids) cost €24 so going twice a month is not a necessity.Kids to Cinema: €50
is this just the standing charge or actual usage i.e. phone calls? As previous poster suggested look around for better offers. I pay € 50 for Phone, TV & Broadband a month.Telephone: €55, including broadband
again look for offers. Pretty much all phone operators offer good deals i.e. free texts to any network, free calls within x amount of time etc. That should help you reduce the € 60 a bit.Mobile: €60
Kids to Cinema: €50
The idea of selling the house and clearing all debt is wise.
I am thinking do you want to be clearing all this debt for the next number of years.
You could rent and save aggressively and end up buying somewhere with large amount of cash.
. Someone asked last night if these loans were secured on anything and they are not.
As for MABS, I thought they would have more experience of people in similar situation,
. The net take home pay is €3800 as commuter ticket is taken at source,
I don't think anyone will entertain us to consolidate the loans. I want to do this myself, would anyone recommend clearing the halifax as quickly as possible, then move to MBNA, etc?
I personally think that OP's best chance is to keep the house, get a grip on their spending and work hard at paying down personal debt.
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