TheHiddenLens
Region: GB
Wednesday 11 November 2026 14:52:33 GMT
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Kyle French :
Speak to them to lower payments if possible and explain your financial situation, speak to money advisors see what they recommend. If all else fails try a debt management plan but only as a last resort as it’ll fuck over your credit score
2026-11-11 16:51:04
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furrybeasht :
money saving expert website,search for debt snowball calculator. Speak to all of the creditors and see if any will freeze the interest on payment plans.
2026-11-11 16:30:38
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MrNobody :
iva
2026-11-11 19:20:30
0
It's B'nana🍌🏴 :
1. write down everything coming in and going out 2. budget REALISTICALLY - if you spend on it, set money aside for it. no point pretending you don't eat food or get the car MOT'd, when you fail to budget for something, that's when debt sneaks in. 3. look at what you spend on, where can you REALISTICALLY make savings? a. are you on the cheapest deals for EVERYTHING? find out when contracts are up and set the date 4 weeks before in the calendar (best time to get the best deals on most things). b. Do you need a new phone when your contract is up or can you switch to SIM only (had my pixel 6 for 5 years now, going strong, only changed it because my 3a wasn't supported anymore - don't really see a difference, a phone is a phone). c. what can you do without? got 25 subscriptions but only watch netflix - get rid! I have Freeview, netflix and a recording box - always something to watch. d. can you do things like your nails yourself or work with the wardrobe you already have this winter? e. swap supermarkets - I start my shop in Farmfoods, then I go to Aldi and only go to the big 4 if I can't get something between those 2. brands are not always the best, why buy toilet duck for £3 when the stores own brand is pennies - you're literally throwing it down the toilet. f. learn to batch cook and make friends with the freezer! 4. snowball - throw everything you possibly can at the smallest debt. once you have cleared that off, you use the payment you currently pay to the smallest debt and you put it to the next smallest debt - and watch how quickly it drops, then when you've cleared that, you use all the money you were paying to those first 2 debts to the next biggest debt - and so on and so forth. don't forget - move balances to 0% where possible. lots of good advice on MSE forum too. Good luck, you got this ❤️❤️❤️
2026-11-11 16:14:22
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