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Since my S.O.A...
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Princess_nola1
Posts: 154 Forumite
So, since posting my SOA (found here: https://forums.moneysavingexpert.com/discussion/4383971 )
We've made these changes...
Student loan now paid off (well, overpaid but will claim what we're owed back) so we're up another £219pcm. :T
We've switched our phone line/broadband service to a more suitable package for less than £10pcm, instead of £35-40.
Currently taking part in the February Grocery Challenge so cut our spending by £400pcm.
Cut our clothing budget to 0 this month, although bought some second hand jeans (5 pairs) and a few other bits for the total of £6 for DS.
Cut our fuel budget to £200.
Cut our house insurance and paid for it as an annual sum.
Cut boiler cover to £16pcm.
Set credit card repayments to the minimum, but pay extra where we can.
Also, finally gotten through to my husband that we were overspending on things we didn't need to! That we should budget and save for appropriate things. I feel much more in control of our finances now. The Earn £2013 in 2013 thread has REALLY helped, I've sold all sorts on eBay and Facebook. So pleased with myself!
Cheers
:beer:
We've made these changes...
Student loan now paid off (well, overpaid but will claim what we're owed back) so we're up another £219pcm. :T
We've switched our phone line/broadband service to a more suitable package for less than £10pcm, instead of £35-40.
Currently taking part in the February Grocery Challenge so cut our spending by £400pcm.
Cut our clothing budget to 0 this month, although bought some second hand jeans (5 pairs) and a few other bits for the total of £6 for DS.
Cut our fuel budget to £200.
Cut our house insurance and paid for it as an annual sum.
Cut boiler cover to £16pcm.
Set credit card repayments to the minimum, but pay extra where we can.
Also, finally gotten through to my husband that we were overspending on things we didn't need to! That we should budget and save for appropriate things. I feel much more in control of our finances now. The Earn £2013 in 2013 thread has REALLY helped, I've sold all sorts on eBay and Facebook. So pleased with myself!
Cheers
:beer:
When it's dark, look for stars. When it's raining look for rainbows.
DFW - Tesco CC: [STRIKE]£3149.71[/STRIKE]£0! Capital One CC:[STRIKE] £2242.01[/STRIKE]£0! :T Overdraft: [STRIKE]£283[/STRIKE] £0! :T
DFW - Tesco CC: [STRIKE]£3149.71[/STRIKE]£0! Capital One CC:[STRIKE] £2242.01[/STRIKE]£0! :T Overdraft: [STRIKE]£283[/STRIKE] £0! :T
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Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
I made our first overpayment on one of the Credit Cards yesterday. It felt amazing and I wanna tell the world!!! £200 gone. And with £100 still in our account before my pay day tomorrow, I'll be seeing where I can pull the strings in somewhere else! Fingers crossed for some more overpayments! :jWhen it's dark, look for stars. When it's raining look for rainbows.
DFW - Tesco CC: [STRIKE]£3149.71[/STRIKE]£0! Capital One CC:[STRIKE] £2242.01[/STRIKE]£0! :T Overdraft: [STRIKE]£283[/STRIKE] £0! :T0
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