HELP & THANKS for money saving syndrome

JurgenThor

Hi Everyone,

I've been looking at the forum for a while now. I've been very old school up to now and only used the mighty pen to scribble down my tools of debt destruction.

I've read many money books including the Money Diet(s), Rich Dad(s), Alvin Hall, Napoleon Hill, Anthony Robbins, etc.
I have gained alot of financial theory (and have put some into practice) but I have the Money saving syndrome and what am I going to do when I run out of money saving ways?

Please help.

Here are some of the ways that are helping me on my way to being debt free -

Closed Royalties account (saving £6 pcm) Changed gas & electricity via u-switch (combined fuels) Changed to a water meter Cancelled contract mobile phone (saving £30 pcm) Blagged company phone (free):T Asked for & received payrise (over 14%):T Changed most lamps to energy saving type Switched credit card debt to Halifax One (9 months 0%) Claimed tax back from Inland Revenue (over £1000):T Got Inland Revenue to review & change my tax code Started selling books, dvds & electronics on Amazon Cut up all OH credit cards (with mutual agreement) Transfered OH credit card debt to a lower rate Working lots of overtime at work (17hours per week approx.):A Changed from BT to TalkTalk Intnl 3 with 'FREE' broadband (saving on OH calls alone!) Signed up to Greasypalm Saving all coins (silver, copper & gold) Shopping at ALDI (before & after below) Eating all of the contents of cupboards, fridge and freezer before next shop Only buying essentials (bread, milk, cereal, butter) Make own healthy lunch & take fruit to work each day :j Only 1/2 filling the car with petrol (reduces consumption - less weight) Driving alot more efficeintely and safely (reducing pressure on 'money pedal') Saving money for wedding and honeymoon Got cheaper home contents insurance Got cheaper car insurance Hunted for a better deal on contact lenses & glasses Cleared Royalties overdraft Changed accident, sickness & unemployment from Paymentshield to British Insurance (saving £30 pcm) Joined local swimming baths (annual pass - saving alot as I go 3/4/5 times a week Saved on showers at home (I now do 5 out of 7 showers at swimming baths) Using Tesco clubcard vouchers online (pre ALDI days) Gave up alcohol (don't know what I'm saving but I feel good) :beer: Using freeview

I'm sure there's more...

Please help...

:money: Thank you Martin for helping me! :money:

southernscouser

Doesn't sound like you've put much effort in at all to be honest.

taxi73

Wow,wow,wow and welcome I don't think you can do much more than that I can't think of anything anyway but if you want to post a SOA we may be able to save you something somewhere...well done on all you've done so far:T

JurgenThor

CC Halifax 0% - £765.30 (introductory 0% on BT ends 22/06/07)

(OH) A&L Loan - 2years @ 6.9% on £5500 @ £250 pcm :eek:
(OH Consolidated all CCs recently without me knowing of any debt from OH at all) :eek: :eek:

DFS 0% 3 year loan (Blackhorse) - £1108 @ £48.14 pcm (25 payments to go)

Renault Finance 10 months to go - £5876 @ £204.19 pcm + final installment of £3781 :eek:

Mortgage for 22 years £104000 on West Bromwich BOE +0.99% - (£690.50 pcm @ BOE 4.5%)

JurgenThor

I've just read the newbie SOA thread and I will post the details asap.

Thank you & good night

jenchin66

Sign up to pigsback http://forums.moneysavingexpert.com/showthread.html?t=292977

I only joined 2 weeks ago and have just ordered my first £10 voucher:j :j

Well done the way, you have done great:D