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The Painful Bit -
Yes it’s time to get real, do you have a nice shiny sports car on the drive, consider selling it, by yourself a cheap runabout. This will save you money on petrol, insurance, tax and maintenance. It may even provide you with a lump sum. Use this to pay off your loan with the highest interest charges first.
Are you a member of a Gym? Do you really need to be, are there other cheaper ways you get stay fit?
What about those expensive restaurants, cut down the trips from once a week to once a fortnight.
Go for the less luxurious foods from the supermarket, view them as a special treat. Above all plan your shopping and cut out those little in between shopping trips.
In the home, save energy, the cost of energy is heading through the roof, just turning a few items off or turning the heating down a couple of degrees could save a few quid.
Regain Your Freedom