...we've had a change if curcumstances, and our income has gone down, not much but significant, by about £250 pcm. I thought we'd be ok and I'd taken steps to tighten our belts but it's coincided with DH being insanely busy and never here and lots and lots of stress, operation and ongoing physio for DS1 and we are sliding to the edge of our overdraft. This will be exacerbated by loosing some child benefit in April although I don't know how much yet.
I think we need a major financial overhaul but I don't really know how to go about it. Do you have any ideas? Spend less is obvious, but I think I need to know where it is all going and what to cut back on so probably need a budgeting spreadsheet but have no computer, iPad only (no smart phones).
Any help or ideas gracefully received!
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10 replies
HairyMaclary · 17/11/2012 20:00
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