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I'm going to be loaded..wow

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taxi73
taxi73 Posts: 20,815 Forumite
in Debt-free wannabe
You'll never believe this...
I have just been adding up my savings that will have all been implemented within the next couple of weeks and I'm amazed:j :j :j :j
(1) House ins......£36 p/y
(2) Gas service....£120 p/y..rang and threatened to leave
(3) BT...£36 p/y
(4) Internet....£36 p/y...told them other people had cheaper deals
(5)Gym....£552 p/y...was£46p/m
(6)lottery ...£312 p/y ....£6 p/w
(7)shopping £4640 p/y...used to spend £100p/w now average £30 p/w and not always that either
(8)mobile...£164p/y...maybe more as I was paying £30-£60 p/m but have used £40 p/m as figure and got a new contact for £17.50 p/m
(9)cigs...£3650....smoke 40 a day at £10 p/d

GRAND TOTAL.......£9435.00 SAVINGS PER YEAR...:T :T :T :T :T :T :T

THIS IS UNBELIEVABLE AND THERE'S MORE:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:



I have also saved loads more because I'm not frittering money on rubbish anymore...I'm no longer buying clothes that I don't need
Then there's the interest saved by using 0% cards...and interest gained by using higher interest accounts!!!Then money to be gained from Morgan Stanley cashback card,pigsback,quidco,test and vote,tesco points and boots
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Comments

  • taxi73
    taxi73 Posts: 20,815 Forumite
    sorry ...
    boots points...I haven't included gas and electric switch ...it said I'd save £100 p/y we/ll see!!
    this is what I will have saved per year with not a lot of effort...I can't believe it!!!
  • sophiesmum_2
    sophiesmum_2 Posts: 4,965 Forumite
    WOW!!!!!!!!!

    That's some serious savings taxi.
    Just think if you banked that cash for a year it would pay off one of your loans completely!!!

    Well done:T :T :T

    sophiesmum
    Reduce,re-use, recycle.






  • Maisie
    Maisie Posts: 1,343 Forumite
    Well done Taxi. Keep saving.

    Also if you pay council tax check you're on the correct banding at https://www.voa.gov.uk

    Maisie
  • taxi73
    taxi73 Posts: 20,815 Forumite
    That's my thought exactly...it just goes to show that all the principles on here work:money: :money: :money: I intend to pay all debt off as quick as possible and to then tackle overpayments on my mortgage ...I was hoping to pay all unsecured off by march 2008 and was wondering if it was possible..that's why I went through my figures to see what I was going to be saving in a year just off what I normally spend::p :p:p
    I was shocked I can tell you...I thought it may have been about £4000 saving...so am well chuffed:j :j :j :j
  • lil_me
    lil_me Posts: 13,186 Forumite
    10,000 Posts Combo Breaker
    Well done, I've been working on similar changes and on things I have managed to live without, food buying changes (with help from Old Style board) and reductions on bills (like you threatened to leave and they work out a better 'deal') You've also inspired me to do a total at some point :)
    One day I might be more organised...........:confused:
    GC: £200
    Slinkies target 2018 - another 70lb off (half way to what the NHS says) so far 25lb
  • skintas_2
    skintas_2 Posts: 1,679 Forumite
    well done, im trying to save to, trying to noly use car at weekends, changing car insurance soon, no heating on, just tv , pc and candle, got rid of catalogues. ripped all credit cards up. trying to pay everything and not cancel direct debit.

    well done taxi, ps i have given up fags too!!!!!!!!!!!!!!!!!!!!!!!!!
    i will be debt free, i will
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Thanks everyone...the reason I posted it was because I thought it would help some people see ..what a difference even little steps make...you know them days where we don't think we've done much...thanks for the council tax tip I'm on the lowest band anyway ..it's all thanks to MSE and all you wonderful posters:T :T :T :T I wouldn't have done half the things I've done without this site
    It would be interesting to see what other people are going to save this year with their changes as well:beer: :beer:
  • LJD1_2
    LJD1_2 Posts: 2,173 Forumite
    That's fantastic.....it's so easy to put of making the little changes but they really do make a difference. Goodluck paying everything off.
    January budget
    Nothing left!
  • Mrs_Sparkle
    Mrs_Sparkle Posts: 1,805 Forumite
    What an excellent thread Taxi- well done you! You've inspired me to work out my own but not yet... my insurances all come up for renewal in April and my gym tie-in period also ends in April so I'm planning to make changes to all of them. But the tiniest of changes- i.e. doing the Pigback weekly quizzes for 40p a week and Quidco free click throughs- all help.
    Debt at highest May 2006: £27,472.24
    currently: £13,353.25
    DFW Nerd 178
    Proud to be dealing with my debts
  • taxi73
    taxi73 Posts: 20,815 Forumite
    I didn't know you got 40p a week for the quizzes ..I haven't had any points for that...look forward to seeing yours when you've done it and anyone elses
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