really pleased with myself!

hdmummy

:DOk I am a long way from being debt free however I feel I am making inroads. I changed my life insurance from £129 a month :eek: (decision made under pressure from financial advisor) to £49 a month, and pet insurance from £21 a month to £7.40.

I have been incredibly naive about money and am just realising how much it takes over your life. I am constantly thinking about money and how to save. I feel guilty if I spend any and angry if any is spent unnecessarily by me or my DH (mainly him on cigs and beer):mad: Its a constant argument about that!!

Anyway I am going to be on here a lot more to ask advice, but as a lurker I have already seen that this is an incredibly supportive site and I can't wait to get to know everyone better

Claire xx

123budget

hi
I was just like you, I always seemed to take/ renew insurances etc without checking if I could get it cheaper elswhere. since using this site I have reduced car insurance by £600 per year:T Taken advice on my huge gas bills and had a rebate of £430:beer: aim to make further savings when other renewals come up. Also went on the grocery challenge and am aiming to reduce my monthly bills on that by at least £100 pr month but I think this will be a gradual thing. And have also joined the sealed pot challenge for loose change. Like you I am constantly questioning and moaning if I have to spend money at the moment and am becoming addicted to scouring the forums for more money saving tips. How long will it last I wonder;)

jwil

That's a great start Claire, well done! :T:T

Why not allow yourself and DH a small amount in your budget to spend on what you want so you don't get fed up and have a splurge in a few months time. It doesn't have to be a lot, but a little treat can make all the difference.

westlothian

hdmummy wrote: »

:DOk I am a long way from being debt free however I feel I am making inroads. I changed my life insurance from £129 a month :eek: (decision made under pressure from financial advisor) to £49 a month, and pet insurance from £21 a month to £7.40.

I have been incredibly naive about money and am just realising how much it takes over your life. I am constantly thinking about money and how to save. I feel guilty if I spend any and angry if any is spent unnecessarily by me or my DH (mainly him on cigs and beer):mad: Its a constant argument about that!!

Anyway I am going to be on here a lot more to ask advice, but as a lurker I have already seen that this is an incredibly supportive site and I can't wait to get to know everyone better

Claire xx

I am not as far ahead as you HD as have only woken up to things today. I think I need to review every penny and see where I can save money. Well done though.

CH27

hdmummy wrote: »

:DOk I am a long way from being debt free however I feel I am making inroads. I changed my life insurance from £129 a month :eek: (decision made under pressure from financial advisor) to £49 a month, and pet insurance from £21 a month to £7.40.

I have been incredibly naive about money and am just realising how much it takes over your life. I am constantly thinking about money and how to save. I feel guilty if I spend any and angry if any is spent unnecessarily by me or my DH (mainly him on cigs and beer):mad: Its a constant argument about that!!

Anyway I am going to be on here a lot more to ask advice, but as a lurker I have already seen that this is an incredibly supportive site and I can't wait to get to know everyone better

Claire xx

Well done for taking positive steps:T

Everyone needs a treat so don't beat yourself up.

beanielou

A great start
Keep going!