im a newbie & in need of help & advice

fairy_girl_2

I have just done it and reduced it my mobile tariff by £5 a month. Bonus. I thought I could only do it once but thanks for telling me otherwise. I will get my partner to do his when he comes home.

fairy_girl_2

sleepless saver : i will consider that when we get our landline sorted but I was hoping to stay away from BT because they tried to rip me off when we were with them before. thank you anyhow

WASHER

Have you done both mobiles?. Don't forget to do it again next month, I know with 02 I did it 4 times, I started on £35 contract and ended on a £15 contract.

PLEASE WATCH THOSE MINUTES AND TEXTS.

Edit: Ive just notice you edited your post to say you will get your partner to do his on his return home.

Who is your dongle thing with?

fairy_girl_2

I have already set a reminder on my phone & in the calendar for next month. hehe
I dont use the minutes & texts that i have with my tariff so that shouldnt be a problem. I only went over with those awful 08 numbers but kaisersoze gave me a great website that that will never happen again.

yorkshire-lad

Hi fairy girl,didn't want to read and run.

I'm not good at giving advice,just like to give my support:)

good luck,il keep checking how your going

QueenBeruthiel

fairy_girl wrote: »

sleepless saver : i will consider that when we get our landline sorted but I was hoping to stay away from BT because they tried to rip me off when we were with them before. thank you anyhow

You don't have to go with BT. I pay £19.99 pm with Tiscali for 24/7 broadband and calls. And there are probably better deals out there.

bluebag

Hi there, may I ask why you are on economy 7 electric if you have oil heating? My understanding was economy 7 was only worth it if you had storage heaters as the daytime rate is much higher. Please forgive me if you are finding it cheaper on E7, just looking for ways to squeeze a few more bob out.

zippychick

Hi
Do you have any room on your 14% cards, to transfer the 19 apr credit card to get that on a lower ABR?

Is your husband able to use public transport for work?

Regards phone packages etc - mine is £37 a month with virgin for landline, broadband and basic tv package. Im sure there are better deals, but it's just to give you an idea.

Well done on your lightbulb moment. This board is great and everyone is really helpful.

Have you considered washable nappies? (not for all i admit, just a thought Im throwing out there). I have heard Lidl nappies are good - but i can understand you may not want to downgrade these - but I wondered if you had tried before ?

Regards the groceries - do you bulk cook? The OS forum is amazing , can completely transform your spending habits. Im sure most have room for a little improvement on grocery costs. There is a grocery challenge you can try - sure won't do any harm . Again, OSers are fantastic and really helpful.

fairy_girl_2

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 0
Partners monthly income after tax....... 969.92
Benefits................................ 410.05
Other income............................ 80
Total monthly income.................... 1459.97
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 113.6
Rent.................................... 485.34
Management charge (leasehold property).. 0
Council tax............................. 111.31
Electricity............................. 33
Gas..................................... 0
Oil..................................... 25
Water rates............................. 34.53
Telephone (land line)................... 0
Mobile phone............................ 70 reduced to 60
TV Licence.............................. 11.62
Satellite/Cable TV...................... 0
Internet Services....................... 30
Groceries etc. ......................... 250
Clothing................................ 20
Petrol/diesel........................... 250
Road tax................................ 0
Car Insurance........................... 20.55
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 20.55 reduced to 11.35
Life assurance ......................... 0
Other insurance......................... 7.55
Presents (birthday, christmas etc)...... 20
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
(Unnamed monthly expense)............... 0
account fee............................. 16 reduced to 5
contact lenses.......................... 18
Total monthly expenses.................. 1537.05 1517.85

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 1500
Other assets............................ 0
Total Assets............................ 1500

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Secured Debt.................. 6801.3...(113.6)....12.43
Total secured & HP debts...... 6801.3....-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
credit card....................733.17....25........19.9
credit card....................766.85....20........14.9
credit crad....................746.88....20........14.9
store card.....................150.......6.18......14.9
Total unsecured debts..........2396.9....71.18.....-

Monthly Budget Summary
Total monthly income.................... 1,459.97
Expenses (including HP & secured debts). 1,537.05 (1,517.85) 1,506.85
Available for debt repayments........... -77.08 (-57.88) -46.88
Monthly UNsecured debt repayments....... 71.18
Amount short for making debt repayments. -148.26 (-129.06) -118.06
Personal Balance Sheet Summary
Total assets (things you own)........... 1,500
Total HP & Secured debt................. -6,801.3
Total Unsecured debt.................... -2,396.9
Net Assets.............................. -7,698.2

I have recalulated my SOA cuz I missed out an all important didit in our council tax....it is 111.31 not 11.31 as previously stated

fairy_girl_2

bluebag wrote: »

Hi there, may I ask why you are on economy 7 electric if you have oil heating? My understanding was economy 7 was only worth it if you had storage heaters as the daytime rate is much higher. Please forgive me if you are finding it cheaper on E7, just looking for ways to squeeze a few more bob out.

I'm not actually sure why we are on Economy 7 with oil heating but that is what they put us on when we moved here. I'll ring them tomorrow to see if we are better off on econ 7 or a different rate.