Nope - cant cut back on anything. We're almost down to the absolute bare minimum on everything, so the £150 a month this car will now cost me will be my only luxury. You've seen everything i own on eBay sarnie
We're going through some life changing stuff at the moment, which is hopefully going to get sorted one way or the other this year, good or bad. I wont go into it until its all sorted though (its nothing bad, just personal!).
On paper getting a second loan sounds like the wrong thing to do, but im only doing that to pay off my existing loan in FULL. Doing this gets me a better rate on the new loan, than adjusting my existing loan to suit. The cost for this switch after all said and done is only an additional £700 over 5 years, which is £11 a month. I'll pay that to hold onto my zed.