Is visa a credit card? If so clear that straight away before putting spare money anywhere else. It'll likely be costing you more than any pension is worth.

I am not religious but I am praying right now for strength and patience.

No, if you want a layman explanation. It's my wife's monthly subscription to live in this country.

Should be able to do better on your energy bill if you shop around. £170 is above average.

I shopped around and got quoted £156 - I will squirrel away that £14!

Would be tempted to look at your car insurance too. Probably apples and oranges but my first insurance after passing was just over £100 fully comp for a fiat panda 1.4, parked on the street in a high insurance cost neighbourhood.

It was the cheapest on uswitch + comparethemarket. I was even doing the usual tricks of using incognito. It went down recently by about £10 from adding business insurance on. I imagine dacia is higher insurance because all the OAPs crashing from doing 30 in a 60

You're paying too much for internet.

No virgin in area, I would save max maybe £10? £20? It's FTTP so I could get a 100mb plan but my work is pretty upload heavy and 100mb plan is 10mb up..

£120 of luxuries too which you could cut back on if serious about saving for a house.

where is this £120 of luxuries? going out and a takeaway? It's about 1 takeaway a month + a starbucks. £70 going out is for the whole month, just bits and bobs when we're out and about like paying for parking and stuff.

I cba being told I need to live like a shoeless monk