Need some advice PLEASE :) **update**

southernscouser

cmc_entertainment wrote:

Kids are just over 1 and another one in a couple of weeks :eek: :eek::p :rotfl:

Quick get to sleep now then! :rotfl:

I'm no expert not having any kids but alot of people use re-usable nappies as they are cheaper. When they are out and about they use disposable but when at home they use the reusable ones! _pale_ :rotfl:

Have a look at the oldstyle board! Lots of wise people on there that can help you reduce your grocery bill!

cmc_entertainment

Annie_Fanny wrote:

Also ring CC companies and as them to cut the apr rate otherwise say you will do a balance transfer to something cheaper...worth a go...

worth a go! :money:

**purpleprincess**

southernscouser wrote:

Have a look at the oldstyle board! Lots of wise people on there that can help you reduce your grocery bill!

Wise words SS!!! Yes do, come and say hello to us!:D

cmc_entertainment

What about opening a new natwest account and try to pursade them to take the loan payment from that one - therefore not miss any more payments - then i can concentrate on clearing the OD

I must admit that using the snowball effect has cleared the sky a little :beer: :j

southernscouser

cmc_entertainment wrote:

my DFD nerd # ?:rolleyes:

You have to make an official request on the Nerds thread to be considered by the ever growing army!

http://forums.moneysavingexpert.com/showthread.html?t=170059

Annie_Fanny

Also what about opening new current accounts with incentives, i.e. First Direct (£50 - get the incentive and then dump the account!) and Alliance & Leicester (£25 - but I think you can make more going thru' sites such as Quidco and Greasy Palms?)

As an incentive have made £100 from First Direct and A&L. A&l's incentive used to be £50 but they have slashed that down a couple of months ago...

Make hay whilst the sun shines!

all_hours

cmc_entertainment wrote:

What about opening a new natwest account and try to pursade them to take the loan payment from that one - therefore not miss any more payments - then i can concentrate on clearing the OD

I must admit that using the snowball effect has cleared the sky a little :beer: :j

Alliance and Leicester have a free overdraft and if you sign up through quidco you can get £30 or £50 back. You could leave more in the NW account to pay the loan payments and use the OD facility on the A+L account.

Have you looked at your own credit report? You can sign up for a 30 day free trial through one of the cash back sites and get points or cash for doing this - make sure you cancel before the 30 days is up.

all_hours

When the 2nd baby comes along is it realistic that she'll have the time to sit and watch the TV as much as now? Freeview has a lot of extra channels and Film Four is being added in July. Would it be worth going onto a minimum sky package and looking into a freeview box.

cmc_entertainment

all_hours wrote:

When the 2nd baby comes along is it realistic that she'll have the time to sit and watch the TV as much as now? Freeview has a lot of extra channels and Film Four is being added in July. Would it be worth going onto a minimum sky package and looking into a freeview box.

will discuss [run for cover :whistle:

lynzpower

At the end of the day, no ones saying you have to sacrifice your sky forever. Personally, Id never pay for it, freeview is perfectly adequate. Honest