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It's time to go back to the 90's!
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Is the APR on your car loan really 0%? If not, can you overpay or even use savings to get rid of it altogether? I imagine it's costing you more than the mortgage (unless it really is 0%).0
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So your OH has a works van plus his own car which is what the loan and expensive insurance is for? Would it be worth SORNing your car for a while and sharing his, you could put yourself on as main driver and him as named. Insurance should be a lot lower and you can share the driving.
I'd expect your water to average out at about £20-30 per month in the end.
Could you get some kind of deal with your phone and internet to save a few quid?0 -
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Hi and welcome to MFW, I would recommend that you use a cash back site when buying your next breakdown cover. It can seriously clash 60/70% off your next renewal.I must add my RAC cover to the bill too. £99 per year and that includes everything except cover abroad. If I want the same cover now it'd be £129 according to their website :eek:Mortgage Free Date
[STRIKE]Original: Jun 2041[/STRIKE], Current:Nov 2022, Target: Oct 2020
Debts
[STRIKE]2010/02 £14,500[/STRIKE], 2011/02 £13,000, Target 2012/01 £0K
11k in 2011 challenge #32 4.8%0
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