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Thanks so much Martin!!
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Teri_Hodson
Posts: 1 Newbie
Where to start?! I've been logging onto your site for over a year now after a friend recommended it. In the past week, however, it's been my first port of call to research all sorts of financial questions, and has saved me a fortune in my monthly outgoings. :A
After a complicated five-year, now resolved, divorce, I find myself financially free to choose a new mortgage. Your site has helped me find a great mortgage adviser who has secured me a mortgage offer with the Halifax, which is both more flexible and at a much better rate than the one I am currently obligated to. I will be able to save thousands of pounds and pay off my mortgage 4.2 years early if I take his most basic advice - and obviously earlier if I can afford to pay even more per month. For a one-off fee, he will return to me in two years (my tie-in period with the Halifax) to see if he can secure me an even better deal. (At this time, I hope to be able to tell him I've been a non-smoker for over 12 months - this will not only reduce my life assurance/critical illness monthly premiums by around £20, but I'll also be saving the £120 per month I currently set fire to!!!)
Next, I tackled my gas and electricity: by changing supplier, I've saved £5 per monthly direct debit.
My annual car insurance premiums were £339.31; shopping around via your site, I've reduced this to £215 - saving £124.31!! I used to pay the original amount by monthly direct debit of £28.27: your site advised to avoid this due to the interest rates charged. I paid the £215 via my 0% interest credit card for which I have a "tart alert" set up on your site to remind me to choose another interest-free card at the appropriate time.
I am still going to pay for home insurance via direct debit, however I've saved a whopping £19.55 monthly by shopping around for contents and buildings insurance, again via your site.
My bank was next: I've returned to a standard account rather than the platinum one for "privileged" customers which charged £15 monthly for that recognition!
The money I've saved is going to be put into an ISA or similar type of investment - I'm using your site to research this right now!
Thanks so much Martin - you're brilliant! :j
After a complicated five-year, now resolved, divorce, I find myself financially free to choose a new mortgage. Your site has helped me find a great mortgage adviser who has secured me a mortgage offer with the Halifax, which is both more flexible and at a much better rate than the one I am currently obligated to. I will be able to save thousands of pounds and pay off my mortgage 4.2 years early if I take his most basic advice - and obviously earlier if I can afford to pay even more per month. For a one-off fee, he will return to me in two years (my tie-in period with the Halifax) to see if he can secure me an even better deal. (At this time, I hope to be able to tell him I've been a non-smoker for over 12 months - this will not only reduce my life assurance/critical illness monthly premiums by around £20, but I'll also be saving the £120 per month I currently set fire to!!!)
Next, I tackled my gas and electricity: by changing supplier, I've saved £5 per monthly direct debit.
My annual car insurance premiums were £339.31; shopping around via your site, I've reduced this to £215 - saving £124.31!! I used to pay the original amount by monthly direct debit of £28.27: your site advised to avoid this due to the interest rates charged. I paid the £215 via my 0% interest credit card for which I have a "tart alert" set up on your site to remind me to choose another interest-free card at the appropriate time.
I am still going to pay for home insurance via direct debit, however I've saved a whopping £19.55 monthly by shopping around for contents and buildings insurance, again via your site.
My bank was next: I've returned to a standard account rather than the platinum one for "privileged" customers which charged £15 monthly for that recognition!
The money I've saved is going to be put into an ISA or similar type of investment - I'm using your site to research this right now!
Thanks so much Martin - you're brilliant! :j
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Wow what a lovely email
Martin Lewis, Money Saving Expert.
Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.Don't miss out on urgent MoneySaving, get my weekly e-mail at www.moneysavingexpert.com/tips.Debt-Free Wannabee Official Nerd Club: (Honorary) Members number 0000 -
Well done
Don't forget the Telephone Boards
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sorry.....can't say the same ! :think:
He's cost me a fortune....
....I gotta stay out of the Shop but don't drop and Quick! Grabbit while you can boards :doh:
rob :rotfl:If only everything in life was as reliable...AS ME !!
robowen 5/6/2005©
''Never take an idiot anywhere with you. You'll always find one when you get there.''0
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