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hi my names Steve Walker from promise money and today I want to talk about reducing outgoings we get lots of people coming to us asking this question um normally when theyre thinking about a mortgage or a loan but theres more to it than I want to talk about some of the options but first of all I want to get into real Basics and um forgive me um its not about taking out a remortgage or a loan or an Iva or a debt management plan or bankruptcy theres something that comes before that and call me old school and I am as you can tell um and I dont mean to sound condescending when I say this but I get so wound up when I see these TB programs and people being interviewed and saying we have to buy takeaways because we cant afford fresh food and the like what nonsense what nonsense so the thing to concentrate on first is your priorities and is um is budgeting reducing your costs um stop getting takeaways dont buy takeaways two or three times a week cook at home it is cheaper its easy I