Does this Qualify as a lightbulb Moment ?

tyllwyd

Sorry, I'm no help at all about Npower, but I wanted to say congrats on your little baby boy although I'm a bit late, he must be nearly 4 weeks old by now. Glad to hear you are getting some sleep!

rubix_76

tyllwyd wrote:

Sorry, I'm no help at all about Npower, but I wanted to say congrats on your little baby boy although I'm a bit late, he must be nearly 4 weeks old by now. Glad to hear you are getting some sleep!

Thanks. I know this probably sounds SAD, but i never realised how addictive this money saving could be, I want to save on everything. I think becoming a Dad, it makes it both more important and worthwhile. :j

Thanks for all your kind words. :T

Rubix

rubix_76

Changed Energy Provider, should save £280 per year, found current house insurance to be OTT, so looking into that.

Grocery shopping - I'm still amazed how we seem to be spending on average £20 a week less and we have been buying baby stuff on top of our usual shopping.

So far have saved £1280 pa and that should go up with lots of other things I am looking at.

Need to consult Martins Book for more ideas.

Thanks for all your help on my journey, but it is no means over !!

Rubix

Bunnie1982

rubix_76 wrote:

Changed Energy Provider, should save £280 per year, found current house insurance to be OTT, so looking into that.

Grocery shopping - I'm still amazed how we seem to be spending on average £20 a week less and we have been buying baby stuff on top of our usual shopping.

So far have saved £1280 pa and that should go up with lots of other things I am looking at.

Need to consult Martins Book for more ideas.

Thanks for all your help on my journey, but it is no means over !!

Rubix

If it is any help, we have just done a quote with Nationwide, much cheaper than what Natwest was going to charge us on renewal

Peppa_Pig_5

No advice to offer, but after reading your thread I wanted to say congratulations on the arrival of your baby boy.

Peppa
x

dottyanne

Awww congratulations!!

Clasics

On the subject of house insurance, we changed to Morethan last week. We were paying UIA Insurance (a supposed fantastic Nalgo union member discounted rate) and saved almost £100 a year PLUS the cover is far better (a standard £75,000 contents insurance and £400,000 buildings insurance). Worth a look!

https://www.morethan.com

PS Congrats on the baby. My lads are now 16 and 14 - and both already tower over me :eek: In fact, I often get a stiff neck after I've told them off :rotfl:

Here's a good saying regarding kids: 'Kids drive you made but keep you sane' Too true.... :j

rubix_76

rubix_76 wrote:

So far have saved £1280 pa and that should go up with lots of other things I am looking at.

Looking at house buildings and contents insurance, so far getting quotes of approx £150 with a saving of £100 on renewal from nationwide.

so that puts our total saving at £1380, and we only spent £25 on grocery shoping last night when we were spending £60 pw before and have been doing £40 for a few weeks. This is mainly as DW has been multi cooking so we can frreze two meals and eat one (an old-style money saving idea I believe).

So we are getting there :j

Spendless

Congratulations on your baby boy. Tax credits has been mentioned but you can play around with figures here www.entitledto.co.uk
You get an additional £545 p.a for the 1st year of babys life (called the baby element) on top of your ordinary entitlement.
if you don't qualify for childcare help via the tax credit system (you can work it out by putting your figures in with and without childcare), look into childcare vouchers. You can both salary sacrifice upto £55 a week for the vouchers and don't pay tax and NI on the amount sacrficed.

fizzel81

wrote:

We have decided to use real nappies where we can (for cost and environmental reasons) The programme with a skipfull of nappies made me choose (I think it was Martin, not sure though).

that programme was no waste like home i remember watching it and thinking yuck but its still taken me a while to decide to use real nappies