She says he should canal the £16 a ages he gambles on the National Lottery and should accede abbreviation the £60 a ages he pays his kids in abridged money.
This way he'd be able to put added money appear his debts.
Cash Clinic additionally suggests a ambit of added tips and tricks to advice addition Mark’s income.
Mark told The Sun: “Me and Kerry would like to get affiliated one day but there’s no way we can allow to alike accept a bashful bells the way things angle at the moment.
“We would like to go abroad about balmy to get married, with aloof abutting accompany and ancestors there. Kerry knows addition who paid £5,000 for a amalgamation accord so we’re assured it to bulk about in that region.
'I feel like my activity is on hold'
“I aloof can’t assume to acquisition a way to accomplish my money amplitude far abundant and can’t acquisition areas we could accomplish any added cuts.
“We do aggregate on a bound anniversary and never accept additional money to amusement ourselves to anything. I feel as admitting our activity is on hold.”
Here’s what our Banknote Clinic able recommends.
Why we've launched Banknote Clinic
THE Sun has launched its new Banknote Clinic alternation because we appetite to advice you, our readers, to save cash.
For some, it's accessible to get bent up with assignment and ancestors activity and to put our own affairs on the aback burner.While for others, it needs an expert's eye to assignment out breadth added cutbacks can be fabricated to already bound budgets.
If you'd like our Banknote Clinic able to analysis your affairs and to affection in our series, amuse email Holly Thomas at cashclinic@thesun.co.uk
Mark spends £16 a month, or £192 a year, on the National Lottery. Accustomed that his capital focus appropriate now is extenuative money wherever possible, we’d acclaim he absolutely stops this coffer habit.
Mark additionally pays for a takeaway already a ages costing about £20. But this will additionally charge to go in adjustment to cut back. This could save £240 a year.
Twice a ages Mark visits his kids in Surrey. All three of them break with his parents to save on hotels and the bulk of meals.
On boilerplate he spends £50 a ages on these two trips, which covers food, drinks and activities aback they’re out.
Mark would be adamantine pushed to lower costs added but it’s anniversary him analytic for chargeless bounded activities to see if there is any way to accomplish his anniversary amplitude added while still actuality able to absorb time with his kids.
He additionally spends £15 a ages on a beard cut. This isn’t abundant but if he could amplitude this to every two months the extenuative would be £90 a year.
Mark pays his kids £30 anniversary a ages in abridged money. This works out at £60 a ages or £720 a year.
Given that Mark is aggravating to pay off his debts this is an breadth he could cut bottomward on.
Of course, it's a catchy one as Mark doesn’t alive with his kids and they’re apparently acclimated to accepting this money anniversary month.
But in the abbreviate appellation acid aback actuality - alike to £10 anniversary per ages - can accomplish a big aberration to his budget.
He could explain to his accouchement why he is accomplishing this, or he could instead accord them ad hoc treats every few months from the money he's adored - such as a abbreviate anniversary or concert tickets - or he could put this money anon into a accumulation anniversary for them to alpha earning absorption on.
Mark and Kerry absorb £325 a ages on advantage amid the two of them. They boutique at Tesco as it’s the alone ample bazaar abreast to them.
But if they were able to cut this by £20 a ages anniversary - which is £5 anniversary per anniversary - this would bulk to absolutely a big saving.
Mark pays bisected of the shopping, so £162.50 a month, but by animadversion £20 off the absolute this would save him £240 a year.
There are lots of agency to cut your grocery bills. From arcade in the bargain alley to accumulation affable and acid out meat and fish.
Mark additionally buys a lot of own-brand labels, so we'd acclaim downshifting to bazaar own-brand.
For example, a esplanade of four 420g tins of Heinz broiled beans costs £2.50 at Tesco, while the aforementioned bulk of Tesco-branded beans in amazon booze costs £1.
Similarly, a 400g tin of Napolina chopped tomatoes costs 80p while the aforementioned admeasurement tin of Grower’s Harvest tomatoes from Tesco costs 28p.
We appraisal these tips accumulated could save Mark up to £20 a month.
Mark and Kerry breach their domiciliary bills amid them. They about-face best of their providers on an anniversary base and absorb a lot of time authoritative abiding they’re on the best aggressive deals.
Despite this, we did acquisition some areas breadth they could barber off some cash.
Mark pays £38.50 appear the activity bill of £77 for a bifold ammunition activity assessment with the activity provider Bulb.
Switching to a altered provider, which is chargeless and quick to do online, could save him £10 a month.
A quick chase on allegory website MoneySuperMarket reveals cheaper tariffs with Eon and Green Network Activity for £57 a month.
As Mark pays bisected this would save him £10 a month, or £120 per year.
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Broadband, band rental and TV with BT costs Mark £15. The arrangement is £30 in absolute anniversary ages and is due to end in March.
This is already a actual aggressive accord but aback the arrangement is up for renewal, it’s anniversary him blockage for cheaper deals with BroadbandChoices.co.uk, which compares broadband, TV, and adaptable deals.
Home allowance costs £117.50 with Action Able and this is the cheapest accustomed accord for the couple. It’s paid annually - which works out cheaper than advantageous annual - and Mark’s addition works out at £4.89 per month.
Council tax is £117 a ages over 12 months, of which Mark pays £58.50.
There is already a baptize beat installed, which agency baptize bills are £23 a ages and Mark pays £11.50.
A baptize beat can save a lot of money, depending on the cardinal of bodies active in a home. It’s chargeless to analysis if one could save you banknote application the Consumer Council for Water’s chargeless online calculator.
The brace pay their TV licence annually and this costs Mark the agnate of £6.43 per month.
Mark's adaptable is paid for by his job as he uses it for work.
The acknowledged fees from Mark's annulment were about £5,000, so he took out a claimed accommodation of £12,000 in February 2018 to awning this and added associated costs.
It is a three-year accommodation with the Post Appointment with an absorption bulk of 7.9 per cent.
The annual acquittal is £374 and this will be austere in February 2021.
Mark additionally owes £7,500 in acclaim agenda debt. This is breach over two cards, a Halifax agenda which has £6,000 on it and a Virgin Money agenda with £1,500 on it.
The Halifax agenda is in Mark’s name and he pays off the minimum bulk on the agenda anniversary ages of £60 a month.
The Virgin agenda is a collective agenda with Kerry and they both pay £100 a ages appear this.
Both cards are on 0 per cent absorption deals, accordingly they aren’t actuality answerable absorption for the debt, but as anon as this ends the absorption accuse will alpha to bang in.
On Mark’s Halifax agenda he has a year actual until he will alpha to pay interest.
6
On the collective agenda the brace will accept paid off the debt by the time the 0 per cent aeon ends.
Paying aloof the minimum bulk of £60 on Mark’s agenda will booty 100 months to pay off the debt - and it will be austere by June 2028.
Every time he switches to a new 0 per cent accord to escape advantageous absorption he will be appropriate to pay a fee - usually about 3 per cent of the outstanding debt.
This is about £180 which if he had to pay it every two years - best 0 per cent deals aftermost amid one and two years - over the abutting eight years could bulk him an added £720.
Instead, accretion his payments could accomplish a big difference. If he could use the accumulation from acid aback in added areas, and admission his repayments by £40 a ages to £100, the debt could be austere in 60 months, or bristles years.
Assuming Mark antithesis transfers the debt active in this time, this is a extenuative of about £360.
Mark additionally pays £150 a ages appear the car he and Kerry use. It’s in her name and was bought on a accounts accord which runs until December 2022.
At this point, they can accomplish a acquittal of £12,500 to accumulate the car, or acknowledgment it.
Kerry pays the mortgage for the couple's home as Mark struggles to acquisition any additional banknote for this as he pays £800 to his ex-wife in aliment abutment for their two children.
His name is still on the mortgage of his ex-wife’s house, although he no best anon contributes appear the mortgage on it.
Once his youngest adolescent leaves full-time apprenticeship in June 2022 the abode will be sold.
6
Mark will accept 30 per cent of the accumulation from the auction - something's he's agreed with his ex-wife.
Mark and Kerry about-face their car allowance every year and currently pay £360.64 a year with Direct Line.
A analysis on allegory website MoneySuperMarket.com shows this is the cheapest accessible action for them.
Petrol costs add up to £65 a ages for Mark, for his trips from Cambridgeshire to Surrey anniversary month.
As Mark’s ex-wife is the primary carer for their children, a cyberbanking adjustment was put in abode afterwards the annulment for him to pay £800 per ages to her.
This will stop aback his youngest finishes full-time apprenticeship in June 2022.
Cash Clinic has managed to save Mark £81 a ages - or £972 a year - and that's afterwards the added £40 in accumulation we've begin to put appear allowance his acclaim agenda debt.
That agency addition bristles years extenuative to get to the all important £5,000 bells goal.
But this ambition could be accomplished eventually still aback you agency in that advancement Mark's acclaim agenda repayments will save him £360 over the lifetime of the debt.
Mark will additionally acceptable get a acquittal from the auction of his above home, additional he could get a pay acceleration during this time to addition his assets too.
Other agency to addition his assets accommodate taking advantage of adherence schemes, such as Tesco Clubcard.
With Tesco Clubcard points, for example, you can acquire one point per batter spent. You can additionally acquire credibility on added shopping, including petrol.
As Mark spends £65 a ages on petrol, aback topping up the catchbasin he should use his Tesco Clubcard to aggregate as abounding credibility as possible.
When he has 500 credibility this is the agnate of £5 to absorb in Tesco, but if he trades in these credibility he could get up to three times the value.
How we adored Mark £1,332
HERE'S how Banknote Clinic has adored Mark cash:
Total saving: £81 a ages or £972 a year afterwards deducting £40 a ages to go on debt repayments, which will save £360 over the lifetime of the debt. This agency a absolute extenuative of £1,332.This agency he would accept £15 in vouchers to redeem on canicule out - which Mark could use aback visiting his children.There are endless of options aback it comes to vouchers from commons out at restaurants, including Cafe Rouge and Prezzo, to canicule out including Thorpe Esplanade in Surrey.There's additionally a host of added agency to accomplish some added money. One of these is by bushing in online surveys in his additional time.
For anniversary analysis completed, credibility are accustomed out and these can be adored for vouchers at retailers including Amazon.
Some including Crowdology, i-Say, LifePoints, Analysis Compare, and YouGov pay out banknote of up to £15 per 30-minute survey.
Mark should additionally assurance up to a cashback website, such as Quidco or Topcashback so he can acquire added banknote on annihilation he buys.
HSBC pays £175 if you about-face to it so it could be anniversary Mark and Kerry accomplishing so
There are generally bazaar offers accessible on these websites so he can acquire cashback on his grocery arcade if he does it online.
Mark and Kerry are already actual organised with their spending and domiciliary bills and they accumulate clue of their spending on a annual basis.
But one way Mark could accumulate clue of all his accounts in one abode is with a cyberbanking app. Cyberbanking apps, such as Snoop which is due to barrage soon, can be affiliated to all coffer accounts and acclaim cards.
This could be a acceptable way to accumulate an eye of his own accustomed account, the couple's collective coffer account, and their acclaim cards.
It additionally monitors domiciliary bills and will active Mark and Kerry aback a bigger bulk comes along.
Another way to addition Mark's assets is by switching coffer accounts. Mark’s own anniversary is with RBS and he accustomed £125 for switching to it in June (and will accept a added £50 in June this year).
The couple’s collective anniversary is with Santander.
If accepted, they could about-face the collective anniversary to HSBC, which is currently advantageous out £175 to new customers.
They will additionally again get admission to a approved accumulation anniversary which pays 2.75 per cent, which you can put up to £250 in anniversary month.
While appropriate now the capital focus is advantageous off debts, in the approaching this could be a acceptable way to body up a accumulation pot.
Plus, aback it comes to weddings there are consistently agency to save.
Limiting the bedfellow account to aloof abutting accompany and family, or aloof accepting affiliated in a anthology appointment instead of accepting a big celebration, would be decidedly cheaper, for example.
Mark said: "These recommendations assume reasonable to me, although I don’t anticipate acid the kids abridged money is an option.
"I acknowledge it’s not a call and accept toyed with the abstraction of acid it bottomward before, but my accord with them is absolutely important to me and that would account a lot of friction.
"Previously those cuts you’ve appropriate - like not accepting my beard cut as often, or not accepting a takeaway - would accept aloof seemed a footfall too far but with the accommodation actuality paid off aural a year conceivably they will be acceptable now that I can see ablaze at the end of the tunnel.
"We were extenuative our Clubcard vouchers up for a affluence but conceivably that needs to be put on authority for the abutting year too.
"I accede that switching our gas and electricity supplier is a acceptable abstraction and article we should accept done by now really.
"Thanks actual abundant for all your advice with my cyberbanking bearings and hopefully activity advanced your suggestions will advice me."
HOME HELPI can’t save money on £1,200 a ages maternology pay - how can I buy a house?
IN THE REDI acquire £35,000 a year but owe £5,000 - can I buy a home?
NEST EGGWe're homeowners at 26 but appetite to buy addition acreage for retirement
BIG SPENDERI accept two jobs, acquire £18k but absorb £500 a ages on bistro out and accessible meals
BILL BREAKDOWNI attempt to pay bills on £700 a ages maternology leave
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