And so it begins ... the ROG fan's journey to DFness

OberonSH

Phone your local council - that's what I did. The number will be on the net or on your last bill. Then just tell them you'd like to apply for single person discount. My council sent me a revised bill a few days later.

tumbleweed261

The_ROG_fan wrote: »

Perhaps I ought to go to the library of a Saturday morning, might work out cheaper.

I also end up buying breakfast at work because I sleep in most days and don't have enough time to eat it before I leave the house. I need to stop doing this, I know, but it's easier said than done.

I do buy my lunch every day (for the same reason I buy breakfast every day), so maybe I should put that in the SOA as well.

Definitely get yourself to the library - it sounds like it'll save you a fortune - and perhaps look into Amazon-ing off all the ones you've read?

Re: Breakfast - even buying a box of cereal bars and some bananas or something to eat for breakfast (both fairly quick) would save quite a bit.

I added up how much buying my lunch was costing me, and even with all the lovely Advantage points I was accumulating, the heart attack that the monthly amount added up to caused was enough to make me make my lunch the night before and chuck it in the fridge - it doesn't take long and it's probably much healthier too.

Out of interest who is ROG? Hope this helps

p.s. could prescription 4 be added to the prepayment certificate for the others? I'm not sure how it works though, might be worth checking?

Tashja

Ok - so cancelling WW payment will give you an extra £83.40 per year

Cutting down your shopping by £20.00 per month will save you £240.00 per year.

Telephone your local Council Tax office and they will send you the forms you need to apply for the single persons allowance.

Ahhhh we are getting there - lol

T xx

TheAble

Unless I'm missing something, you seem to have a surplus of around £400 at the end of every month. I'm not really sure why you're worried?

Tashja

One more thing - you say you always end up at your overdraft limit - if you have ever gone over your overdraft you will have bank charges to claim back !!

Get claiming if you have any !!

T xx

The_ROG_fan

TheAble wrote: »

Unless I'm missing something, you seem to have a surplus of around £400 at the end of every month. I'm not really sure why you're worried?

The things on my SOA are the things I have to spend on every month. The rest seems to disappear without me noticing (OK, I spend it - on books, taxi fares when I'm late for work, top-up shopping, random I-don't-need-it-but-I-want-it shopping, etc., etc.) and I never seem to make progress towards getting rid of the overdraft. In fact, I seem to find myself extending it on a semi-regular basis.

The_ROG_fan

Tashja wrote: »

One more thing - you say you always end up at your overdraft limit - if you have ever gone over your overdraft you will have bank charges to claim back !!

Get claiming if you have any !!

T xx

Unfortunately for me all my fees for going over my overdraft are from 1999 and before, so I think I'm out of luck for claiming 'em back. Besides which, I was responsible for the fees so I don't see why I should be able to claim them back. Neat idea, though.

Mindy_2

Do as OberonSH suggested and start a spending diary, I found that getting cash out of the bank was a sure fire way to let the money slip through my fingers. Now I have a record of exactly where that £50 I got out of the cash machine 2 weeks ago went (in my case £12 in back pocket money for DS, £10 for DH who had no cash of his own, £18 in Lidl, £7 in the farm shop and £3 still in my purse!).

TheAble

The_ROG_fan wrote: »

The things on my SOA are the things I have to spend on every month. The rest seems to disappear without me noticing (OK, I spend it - on books, taxi fares when I'm late for work, top-up shopping, random I-don't-need-it-but-I-want-it shopping, etc., etc.) and I never seem to make progress towards getting rid of the overdraft. In fact, I seem to find myself extending it on a semi-regular basis.

Well then you seem to have answered your own problem. Stop doing the above, put the excess into paying off your loan early, and hey presto, you're done.

You don't need to be the brain of Britain to work that out!

The_ROG_fan

TheAble wrote: »

Well then you seem to have answered your own problem. Stop doing the above, put the excess into paying off your loan early, and hey presto, you're done.

You don't need to be the brain of Britian to work that out!

You don't say? :rolleyes:

It's not knowing what I should do, it's finding the willpower with which to do it.