How are we all coping financially with the cost of living etc?

We went though all our bills, got rid of subscriptions etc that we didn’t need. Shop around for things like gas, internet, car insurance etc get the best deal. Batch cook to save money and prevent going to the shops daily. Then look at luxuries do you really need them? We’re getting rid of our expensive car next year and going for something cheaper. Selling clothes etc that we don’t wear or our children grow out of in vinted, cutting down on take aways. Not easy but once used to it it’s not too bad x

Overtime at work, not nice having less days together as a family but we keep reminding ourselves we get more nursery funding and our mortgage rate comes down it won’t be like this forever x

I would also suggest too good to go app x

Living in my overdraft🤷🏻‍♀️. We currently pay 1300 a month for nursery (we pay 660 each). I am waiting for the interest rates to decrease on my mortgage next year as that went up last year quite significantly and nursery fees to somewhat decrease when he gets his 30 hours next year. We do a monthly frozen shop and only buy fridge food we know we will eat rather than bits that are going to be left. I also plan evening meals for the month so I know how much I will be spending roughly on fridge stuff (our fridge is a bit dodgy and doesn’t like too much in it at a time). Cut down on takeaways. Sometimes use the too good to go app. I’m just reminding myself it’s not forever!

@Alisha🌸 £1300 for nursery fees! Ouch!

It’s a vicious circle really. My partner and I pay £1500/m on nursery and another £2100 on mortgage and bills. The rest goes to repayment of overdraft and credit card. We used to go on dates on Fridays but not anymore. We barely buy clothes and shoes for ourselves, these days it’s only our son because he outgrows them pretty fast and it’s winter. We canceled subscriptions like Netflix and Disney early in the year. Don’t really know what else to cut down. 😌

My husbands works retail so he managed to get fairly opposite shifts to me, so theres technically only an 8 hour overlap in a week so we only need to send my boy to nursery two afternoons (his days off are mon-weds) and I do mon-fri 9 to 5, not sure if its an option for most people though

I decided not to go back to work as our nursery fees were only £30 a week less than my wage 😩 we cancelled all the subscriptions etc we didn't need eg netflix, changed phone contract over to sim only deals (currently paying £1 a month for 7 months) we meal plan etc but we are not in a hugely comfortable situation so we have taken the decision to move area, to a cheaper but get a bigger house with smaller mortgage, realistically this is the thing that is going to save us the most money