yet another light bulb has switched on!

SKIPPY

Firstly, well done for posting - it will reduce, there are some excellent people on here with bags of great advice.

One thing that stood out to me is your tv licence - mine is approx 12.00/ month. Also the satellite/cabel tv - can you do without this for a while, I used to pay sky for everything except sky sports, reduced it down over a period of time and now only have the free channels and also the free digital channels. You do get used to it honest!

Good Luck with everything.

loshypops

we pay extra as this is our first home and neither of us have had a license in our name before - plus we moved in in march - cant remember how they work it but it will be cheaper next year thank you

The price for sateltie also includes phone line / broadband - i should upsate my list lol

Hippocampus

Just a thought about your Welcome loan... do you have PPI on it? If so (and you might not even know, so see if you can find your agreement), you should look at reclaiming that.

And if you have, but didn't even know it was there, you have DEFINITELY been mis-sold PPI.

slowlyfading

Do you know why your last mobile phone bill was so big? You need to work out why this is so you can avoid doing it again in future - I bet it was a big shock to receive that!

The food budgeting is really good - you should be proud of yourself for that - good luck with the weight watchers too

To regards to the spending diary, go to https://www.spendingdiary.com and you can get a free account and do all sorts of things, including charts lol

Well done for carrying on posting, there are so many people on here with lots to offer, and remember you are never alone in this

sf x

gargrave50

Loshypops,

Apologies I haven't had a chance to have a good look at your SOA - just finished work so will pop by tomorrow to see if there is anything useful I can add

loshypops

Hippocampus wrote: »

Just a thought about your Welcome loan... do you have PPI on it? If so (and you might not even know, so see if you can find your agreement), you should look at reclaiming that.

And if you have, but didn't even know it was there, you have DEFINITELY been mis-sold PPI.

To be honest i dont even know what this is - HELP!!!!!

loshypops

slowlyfading wrote: »

Do you know why your last mobile phone bill was so big? You need to work out why this is so you can avoid doing it again in future - I bet it was a big shock to receive that!

The food budgeting is really good - you should be proud of yourself for that - good luck with the weight watchers too

To regards to the spending diary, go to www.spendingdiary.com and you can get a free account and do all sorts of things, including charts lol

Well done for carrying on posting, there are so many people on here with lots to offer, and remember you are never alone in this

sf x

Thank you i will have a look on there now - would be good to be able to log on at work too - cheers i think this will help a lot as money just vanishes on nothing!

gargrave50 wrote: »

Loshypops,

Apologies I haven't had a chance to have a good look at your SOA - just finished work so will pop by tomorrow to see if there is anything useful I can add

Thanks for your help:beer: i need it!!:D

SKIPPY

PPI is Payment Protection Insurance. Should come into force to cover repayments if you loose your job etc.

loshypops

SKIPPY wrote: »

PPI is Payment Protection Insurance. Should come into force to cover repayments if you loose your job etc.

thanks! Going to dig out paperwork now....

loshypops

nope there is none of that on there i had the option but i ticked the box to say no phew!!