Pay off mortgage and start having fun!

newgirly

i have spent all day working on reducing my bills and doing a SOA today, I have managed to reduce my life, car and house ins. also got £45 through topcashback, anyway here goes:



MORTGAGE.........................1372
LIFE INS............................. 15.17
TV LICENCE.........................12.12
MOBILE................................10.00
WATER.................................29.97
SEWARAGE............................26.09
PENSION...............................21.53
SKY......................................19.00
GAS & ELEC.............................107.00
CREDIT CARD...........................190.00
CLOTHES.................................40.00
SCHOOL TRIPS..........................10.00
PETROL....................................50.00
FOOD......................................300.00
SCHOOL DINNERS.......................13.00
SAVINGS.................................. 10.00
CAR TAX..................................10.00

ME KIDS TREATS/GOING OUT........50.00
DH PETROL/WORK FEES/FOOD.......180.00
PHONE AND BROADBAND..................0.00
PAID BY WORK

TOTAL OUT...............................2465.88

WAGES EVERY 4 WEEKS................2240.00
CHILD BENEFIT..............................188.40
CHILD TAX CREDIT..........................41.00

TOTAL IN......................................2469.40

AMOUNT LEFT................................ 3.52!

Dh gets paid weekly, so we have spare weeks money which cover:


XMAS..................................40.00 PM
BIRTHDAYS...........................25.00
HOLIDAY...............................55.00
BASKETBALL LESSONS............20.00


We have money set aside to pay max mortgage op's of £274 until april 2011 from share dividends that DH got from work this year, not sure how much we will get next year yet, maybe nothing though.

Council tax is paid up this year, and will come from share dividends next year, if not Dh will work overtime to pay.

all other mortgage op's will come from surveys , ebay , cashback etc.

Iris_Blue

Agree, mines £86 pm for both and there are 7 of us in a 3 bed semi. Someone is at home 24/7

Thanks for posting that. It's interesting looking at other peoples incomings/outgoings and yours looks somewhat tight but you have thought of everything.

Sunnyday

Newgirly we ditched sky a while ago now after having it for years and years, we had all three services from them - phone, broadband and the telly but we didn`t go with the line rental as i`d heard horror stories about switching if we had taken it.

We went for freesat from sky which is basically the same as freesat with a couple of extra channels. At first we used the old sky box and viewing card, if you have the white viewing card then you won`t need a new one despite what you will get told on the phone.

There is no subscription for this and we`ve found that its very good, we saved the money from the subs in a tub and when we had almost £200 we bought a HD humax box with a built in HD which is like a sky plus box without the subscription. Would never go back to sky now, we record all sorts of stuff so there is always something good to watch and we still get a good amount of choice/channels. Admittedly it wasn`t quite as good without the new box as sometimes there wasn`t always programs on that we wanted to watch but now its actually better than before.

HTH

SD

newgirly

I know my gas and Elec is quite high, but last year it was £170 per month :eek: we have since had a new boiler put in after ours died though so it has gone down.
I did get an energy monitor which showed that I need to switch off the numerous I pods and phones left on charge or plugged in for days at a time, and I have to stop DH filling the kettle to the brim to make one cup of coffee!

The other confession is we have a hot tub in the back garden. but it only uses about £10 per month and the kids love it!

other than that I don't know where it goes, I have not put the heating on yet.

Thanks for the info on the sky box sunnyday, I will definatly look into that, DH will love the idea of the HD one as well, I could probably talk him into saving up his money and buying it :rotfl:

i'm off to Mrt's as i've got a £10 off voucher to use this week, have a good day everyone.

pammyj74

thanks for the SOA, I am always amazed at how much people pay out but you have the income coming in to match.

I am also thinking of getting a freesat box with HD as I like some of the stuff on sky one and sometimes there is nothing at all on and then a few good things at the same time grr. I just cant justify the cost just for tv programmes at the moment. I havent had sky for years.

I like the weekly pay as it means you get the extra week every now and then like you say. Obviously mine is only a quarter of yours lol

SmlSave

A hot tub in the back garden!!!

Ohhhhhhh....how nice It'll only take me about 2.5 hours to get to yours

Grabs swimming costume and car keys......

P.S On a more sensible note we have Freesat and the HD Humax box that Sunny has (after cancelling Sky) and are very happy with it. We only miss Sky when our friends start talking about Sky only programmes that we liked.

Iris_Blue

I'm soooo envious of your ... hot tub in the garden... We want one and I thought it would cost a lot more than that to run.

Interesting about the box , I will look into that too - thanks

pammyj74

I have just looked into freesat and they dont have three of the channels that I love to watch the most on freeview, fiver /five usa / sky 3 so I wont be buying that any time soon.

newgirly

My sky is being checked by an engineer on tues, I'm hoping for a free new box, then I might go for the sky that is free with a one off £25 payment for a new card. on the other hand there will be lots of things I'll want to watch on the run up to xmas , so maybe should wait until new year to cancel.

Sml save, pop round anytime!

mennie

newgirly wrote: »

Its the 19th already, this month seems to be going quite quickly, am I the only one who wishes the month away to get to mortgage payment day!

Nope, me too. Come on end of October!!