Help required

kezza90

Hi all, ok so I dont want to go over the magic £99 surplus each month but i've just found out my mort payment has now gone down which will leave me with 135 surplus, but i thought the most expensive quarter is here for elec (i have no gas) so instead of paying 60 i cud pay 75 and i've also just found out that my buildings insurance co may not renew my policy in aug due to being BR, so it is ok to say my buildings/contents insurance has gone from 20 to 35 per month? This would keep me under the magic £99. Even if I had £100 would the OR then set an IPA?

your help would be appreciated.

thanks xx
25/11/2008Jan-09Income12271254Mort389315Food/cleaning200200Elec6075Water3838Telephone3030Travelling180180Clothing3030C/Tax107107Buildings/contents2035Car tax1717Car insur3939Car Mot/service2525Holiday2020Opticians/lenses1515Doctors/dentist77TV licence1212Haircut1010Breakdown44Total12031159Surplus2495

kezza90

ok that table looked better in excel, sorry if you cant understand it

lisamummytoarchieplusbump

hi use this link
http://www.makesenseofcards.com/soacalc.html

peachyprice

You don't HAVE to reduce your mortgage payments

fiveyearplan

£100 surplus would lead to an IPA.

*****_19

dont know if this helps but i work in b&c insurance and a £15 a month increase does happan on renweal, (the company I work for anyway)