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My S.O.A
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My partner has been driving for 5 years since he was 17, he would have had 5 years no claim but churchill messed him about when it came to renew so now only has 4, this was with me on the policy also, this year for me to be on the policy it was near £3000 so I took me off and it was reduced to £1161 or £1400 the next one along.The 1% Challenge #76 - Debt 1 = £620 - 1% = £6.20 - 4.3%
Debt 2 = £1600- 1% = £16 - 0%
Debt 3 = £1012 - 1% = £10.12 0%
Pay all your debt by Xmas 2016 #130- £465.86/£7636.46 - 6.1 %
Make £10 a day ~ Jan £182.49, Feb £373.650 -
Argos .. £799.99 this is 3 plans.. one for £283.03 was £399.99 to be paid off by may buy now pay 6 months, mainly baby items and pram car seat etc as we didn't have the funds at the time as my partner was made redundant. The next one is to be paid off by oct 13... mainly christmas presents .. no monthly fees at the moment until may if the first plan isn't paid in full xThe 1% Challenge #76 - Debt 1 = £620 - 1% = £6.20 - 4.3%
Debt 2 = £1600- 1% = £16 - 0%
Debt 3 = £1012 - 1% = £10.12 0%
Pay all your debt by Xmas 2016 #130- £465.86/£7636.46 - 6.1 %
Make £10 a day ~ Jan £182.49, Feb £373.650 -
Adding a parent or older relative/friend (with a good driving record) might bring it down a bit.0
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We are both on Orange x The 3 network is very poor around our village xThe 1% Challenge #76 - Debt 1 = £620 - 1% = £6.20 - 4.3%
Debt 2 = £1600- 1% = £16 - 0%
Debt 3 = £1012 - 1% = £10.12 0%
Pay all your debt by Xmas 2016 #130- £465.86/£7636.46 - 6.1 %
Make £10 a day ~ Jan £182.49, Feb £373.650 -
I tried this also the other day, I added his father who has 30 years experience with no accidents but it increased the policy by £10 I was rather shocked as we did this his first year when we had a little metro and it was £600 with his father on xThe 1% Challenge #76 - Debt 1 = £620 - 1% = £6.20 - 4.3%
Debt 2 = £1600- 1% = £16 - 0%
Debt 3 = £1012 - 1% = £10.12 0%
Pay all your debt by Xmas 2016 #130- £465.86/£7636.46 - 6.1 %
Make £10 a day ~ Jan £182.49, Feb £373.650 -
Your water bill is very high. Go onto your water boards website and have a look at the gadgets they provide free of charge to help reduce your usage. Also speak to them and see how you can reduce the monthly dd.
I have the same in my house as you do and my bill comes in at an average of £100 every 6 months.
I agree with others, find out what the apr is for insurance payments and if MBA is more then clear that instead as it will save you money in the long run.0 -
car insurance.. Your one off payment
£1161.75
Or pay 11 monthly instalments
of £104.46 plus a £179.63 depositThe 1% Challenge #76 - Debt 1 = £620 - 1% = £6.20 - 4.3%
Debt 2 = £1600- 1% = £16 - 0%
Debt 3 = £1012 - 1% = £10.12 0%
Pay all your debt by Xmas 2016 #130- £465.86/£7636.46 - 6.1 %
Make £10 a day ~ Jan £182.49, Feb £373.650 -
I will do that thank you Linds, it is £10.90 weekly for what they estimate we use.The 1% Challenge #76 - Debt 1 = £620 - 1% = £6.20 - 4.3%
Debt 2 = £1600- 1% = £16 - 0%
Debt 3 = £1012 - 1% = £10.12 0%
Pay all your debt by Xmas 2016 #130- £465.86/£7636.46 - 6.1 %
Make £10 a day ~ Jan £182.49, Feb £373.650 -
Thank you everyone for the advise, I really appreciate it.The 1% Challenge #76 - Debt 1 = £620 - 1% = £6.20 - 4.3%
Debt 2 = £1600- 1% = £16 - 0%
Debt 3 = £1012 - 1% = £10.12 0%
Pay all your debt by Xmas 2016 #130- £465.86/£7636.46 - 6.1 %
Make £10 a day ~ Jan £182.49, Feb £373.650 -
To pay the Car Insurance over 12 months, will cost an extra £185.
To pay MBNA at £50 pm, will cost an extra £414.
Provided you can manage the monthly payments for the insurance (but be sure you can), I'd say pay off the MBNA Card.
BTW. When is the insurance due?0
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