totally up the swanee !!

debtfreeplease_3

just got off the phone to nationwide credit card, and they just agreed to 14.00 a month for the next 6 months all intrest suspended!! :j
now i just have to speak to the rest of them hopefully they will all be has helpful.

incomings per month ; 2139.90

outgoings:
mortgage ; 615.95
endowment; 95.00
council tax; 117.00
water rates; 30.00
building insurance ; 20.00
life insurance ; 17.59
gas/electric ; 50.00
t.v licence ; 10.50
car loan ; 154.98
petrol ; 100.00
school fees ; 80.00 this will reduce just told son he will have to have packed lunches!!
phone/bb 25.00
childcare ; 161.00
car insurance (2 cars) ; 95.00
scs sofa ; 75.00 (this is intrest free)
shopping ; 350.00
contents insurance ; 17.32
total of around 1964.34

creditors comes to around 11.500

any money saving ideas are most welcome thanks

Peppa_Pig_5

Hi again debtfreeplease

Your buildings and contents insurance seems quite high, have you tried looking around, think the sites are https://www.moneysupermarket.com and https://www.confused.com

Also try them for car insurance as that seems high for two cars as well. I pay £25 for buildings and contents (and I have now found cheaper) and £40 for two car insurances. Not sure of your circumstances, but looks as though you could get cheaper. Gas and Electric, I was paying £52, got that down to £44, by checking USwitch and a few others listed on this site.

Not sure about the rest, but hope this helps.

debtfreeplease_3

thanks for them websites absoloutly brill, just did quotes for the cars and just saved £55.00 on two cars and an extra £12.00 a month on contents insurace.!! so over the year you have just saved me a massive £800.00 over the year. so first thing in the morning i will cancel all them policys :j :j
thankyou peppa pig

debtfreeplease_3

thanks jobbing musician ive took on advice and not going to go to debt companies i now have appiontment with the cccs!

Peppa_Pig_5

Glad I could help. But all thanks go to MoneySavingExpert.com and Martin of course for providing us all with lots of money saving tips.

Keep up the good work debtfreeplease.

Little_Miss_Winner

Just a quick note, you have buildings and contents listed seperately. I used to have mine with 2 different companies as well. Mine was £41 (!) for both

Then I changed to one provider, and got exactly the same limit of cover and the price is £23.14 for BOTH.

£18 saving a month - better than nothing.

I now use Direct LIne, and have had no problems. (nip over to their website and get a quote tonight)

Regards
pot
x

Yorkielass

When you've got some time pop over to the Old Style board - don't know what your £350 on shopping covers but there are plenty of people who can give lots of advice about saving money on your shopping, food planning, cleaning using household products etc.

There's a huge wealth of knowledge over there.

Also, and I know it's early days so you probably don't want to think about this yet - but it's worth bearing in mind there are lots of ways you can make a bit of money whilst staying at home - check out the Amazon threads on the Ebay and other auctions board, and there's obviously ebay too - especially with lots of baby things.

Well done with your savings on your car insurance etc - it's amaing what you can do with haggling.

Keep up the good work