I can be so stupid sometimes

tesuhoha

If you have a partner you need life insurance or would you rather that person struggled on alone trying to pay the mortgage?

wdamci

Thanks everyone.

Going to make the phone calls tomorrow to find out exactly what i owe and then prioritise what i pay with the extra savings. If i cant get through it will have to be monday but basicly asap. Ill update yous once ive done this

Im just going to cancel the insurances and if i have to ill start them back up once everything is clear.

Ill keep everyones advice on the cigarettes in mind although im going to try stopping immediately on Monday. (should have finished allan Carrs book by then)


Im actually feeling very positive about this now.:T

Oh and staying in tonight was quite easy. Especially with Big brother on. I hate this program but i cant stop watching it.:o

EDIT: No partner at the moment:(

dippy-dora_2

tesuhoha wrote:

If you have a partner you need life insurance or would you rather that person struggled on alone trying to pay the mortgage?

That's not true. I was on my own for the first 2 mortgages (cancelled life insurance shortly after getting second one), and a joint one on the last and there was no mention or requirement of life insurance.
There would have been no struggle in my case, but I would advise it if there are kids/partner yes, but get the impression this op is living alone - what woman would put up with their man boozing the money away ;-)
just a joke op

dippy-dora_2

Oh and staying in tonight was quite easy. Especially with Big brother on. I hate this program but i cant stop watching it

You and me both!

OberonSH

Hey all,

I don't have any insurance. Once I'm more debt free I plan to put some aside in an ISA or high interest savngs account for emergencies. That way if I need it I have it, and if I don't I have my captal plus a bit of interest to take the DD and partner away on holiday.

Hope you're doing okay OP, I'm glad you're doing well, and hopefully the stopping smoking's going well.I can recommend taking up cross stitch or knitting to help quit, my ex hubby said at 5pm one night while stitching a Tiger kit 'I'm going for fags in a minute'. By 10pm he still hadn't gone. Keep your hands & mind busy.

Keep us updated. Anyone thought of starting a thread for people hoping to save by quitting smoking?

dippy-dora_2

Buy one of those false plastic ciggies, they are about 1.99 and they do help as smoking is mostly habit of putting something in your mouth and having something between your fingers and you can inhale on them.

Oh BB big mouth is on!

dippy-dora_2

Keep us updated. Anyone thought of starting a thread for people hoping to save by quitting smoking?

Good idea! And you can all add up everyday what you are saving.

chivers1977

Hi there, I have just taken cable broadband through telewest (although I have a BT line as well). It was put in yesterday. 2mb @ £17.99 per month, £10 off your first bill and £40 cashback for doing it through Quidco.

I would say that you don't need Life Assurance. Critical illness is more important as you are much more likely to suffer a cancer and live. It is very expensive though. They used to make it a requirement of taking a mortgage to take life assurance but it is not now. If you are in a couple, it would be false economy (IMHO) not to take it though as if your partner were to die, although there might be a death in service pay out, the LA would pay off the loan leaving the DIS payment to live on afterwards as we become used to the economies of scale of being in a couple.

In terms of PPI insurance. You have a very cheap premium due to your low mortgage payment but try https://www.helpupay.co.uk. This is who martin recommends for it if you want it as it is bargain insurance.

lynzpower

Also to add, dont forget the NHS for giving up smoking. there are helplines, cessation groups, and you can also get freebie patches and inhalors. YOu wont get loads, but better than paying out for them! My local GP I read is starting to offer hypnotherapy too ( Im increasingly keen to give up the fags) and when I do it, I'll be going about it DFW style!!

wdamci

Wow

Loads of encouragement and advice. Thanks guys:beer:

Will defo keep yous updated on the smoking. Some good ideas been posted. Will keep them in mind in case i fail to stop. Just out of interest Ive not had a ciggy since last night and i dont even need one just now. Although as soon as i leave the house today i will probably call in and get some.