Help!

spendaholicinseattle

Red! More of a rugby fan though!

Shoe_Gal

spendaholicinseattle wrote: »

Red! More of a rugby fan though!

Good answer :j

I don't understand rugby - although sometimes they seem to be allowed to fight

spendaholicinseattle

Bloody hell just dis a ComparetheMeerkat on buildings ins... I am being screwed!

I remember when first got mine with Swinton (part of Norwich Union I think), I more or less had to use them as no-one else would insure a flat. Does that sound familiar to anyone?

Fighting is the fun part - they do it properly, none of this rolling around on the floor in silky shorts malarkey

dancingfairy

Indeed - maybe I was a bit harsh - but you have loads of areas to work on which is great.
Definitely get yourself a single person discount on your council tax - just phone them up (or write to them) and they should be able to do it for you - they probably won't backdate it - but worth asking anyway.
Mobile - check whether you've got enough minutes on your contract (if it is a contract) - and shop around to see who's cheapest for that amount of minutes then phone up your current company and say x,y,z is offering me this - I'm a loyal customer - I've had great service what can you offer me.
Telephone - seems high - are you calling a lot of mobiles or international calls? if mobiles - maybe try and phone from your mobile with your inclusive minutes - if international have a look at ways of doing this cheaper.
Entertainment - sounds like you can make a great saving there when the end of your gym contract is up.

My philosophy is I work hard for my money so I want to get the absolute best value for money - it does take some work shopping around but you'd be amazed how much you can save - it becomes addictive after a while - what deals can you get and how low can you go (with the bills) . Lol.

Anyway - think how far you've come in 24 hours. You've got all your papers out - done a SOA - which means you know exactly where you are and things can only get better from now on. You've met a fellow Mancunian and discovered your can get a reduction in your council tax with just an easy phone call or a short letter/email. Not bad if you ask me.

Yes - it can seem overwhelming at first but like anything takes a bit of getting used to - one step at a time.
Good Luck on your debt free journey.
df

dancingfairy

"No need to feel , the people on here are lovely, and I've seen people who are in a real mess :eek:"
- yep some people are literally about to be repossessed, they've got mortgages and secured loans and a LOT of debt. Some have no jobs and no real income. Although your situation seems dire to you right now - you have options. You have a good income - although it's never enough to buy everything you want is it - everyone wants to earn more and buy more (me included ) and you have scope for cutting back as well. And you are willing to admit you have a problem whereas some people come on here - pretend everything is o.k and the head goes straight back in the sand.

Regarding the insurance - now comes the fun part - fighting back. Against all those companies that have charged over the odds - you're on a roll now. Woo hooo.
df

Shoe_Gal

spendaholicinseattle wrote: »

Bloody hell just dis a ComparetheMeerkat on buildings ins... I am being screwed!

I remember when first got mine with Swinton (part of Norwich Union I think), I more or less had to use them as no-one else would insure a flat. Does that sound familiar to anyone?

Fighting is the fun part - they do it properly, none of this rolling around on the floor in silky shorts malarkey

Long time since I've seen Vidic rolling around on the floor - unless the other guy came of worse :rotfl::rotfl:

Do you do the posh rugger or the Salford City Reds sort ?

spendaholicinseattle

Posh rugger, obviously! Although not averse to a bit of RL aka bleep test with the ball aka ground shagging

dancingfairy

Just seen Martin's articles on mobile phones and thought you might find it helpful. It says how one person has slashed their mobile from 75 a month to 25 (I can see that being you very soon!).
Link here:
http://www.moneysavingexpert.com/news/phones/2009/07/tesco-30-a-month-tariff-means-you-n

df

spendaholicinseattle

:TThanks df... I can't believe how helpful people are being! I am pathetically grateful.I am gonna have a gander at it right now.

There is so much stuff I can actually DO to make it better - I have had a real victim mentality I think.

Shoe_Gal

spendaholicinseattle wrote: »

Posh rugger, obviously! Although not averse to a bit of RL aka bleep test with the ball aka ground shagging

Obviously out of my 'league' :rotfl::rotfl::rotfl: