Advice for a newbie

[snshijuptr]

Okay your electric bill and phone bill are way, way too high! We have 2 smartphones in my family and we pay only $100. Call up your phone company and ask if you can reduce your minutes or texting. They can do a quick audit of your usage and then tell you if a lower minute plan would work better. If not, you need to switch providers! Similarly, call up your electricity company. Ask if they have a plan to help you out. Or ask for an energy audit! Something is sucking power! Here is a website about saving electricity that is really, really helpful Saving Electricity: How to Save Electricity

[Eric80]

If you are however in debt then consider going to a company that will be able to help give advice on how you will be able to manage this debt or give advice on how you can consolidate your debt. If you are unsure where your first point of call is I would suggest going to the citizen advice bureau and they will be able to guide you from there.

[snafu]

UTME: I suggest you and GF commit to a written spending plan and avoid Consolidators who can add to your problems and costs. You are within your rights and capable of negotiating a lower interest rate with creditors. Pay minimum on CC to keep them current but pay as much as you can, as often as you can to clear off the smallest balance. If you can work overtime, commit those earnings to the targeted CC. to get the snowball effect.

The holidays are coming so before the hype begins, I suggest decisions be made now to limit spending. Let family know you will celebrate without spending. Start researching community events you and GF enjoy that are free or nearly free. I know you can demolish this debt with determination and perseverance.