Im sinking - financially and mentally

beanielou

Great start

[Deleted User]

MsKex wrote: »

Wow guys - can I just say, thank you so very much. My son is off ill today from school so I have spent the past 2 hours phoning various companies/doing an account spreadsheet and I have managed to save myself a whopping £71.93 so far! :j

O2 -was £33/have signed up for a new contract for £24 = £9 saved
SKY - was £58 - thank you for all of your suggestions on this and freeview. I did what Sharp suggested and the man I was speaking to offered me my landline/unlimited broadband and basic SKY package (inc the childrens cartoons) for £31 per month = £27 saved
Council tax - was £71/have asked for a 12 month payment plan instead of ten so has reduced to £53 per month = £18 saved
Bank charge - was £6.50/cancelled entirely = £6.50 saved
Home Serve - was £27/told them I was leaving and they offered me a discount and is reduced to £16.57 for all emergency cover inc boiler = £11.43 saved.

I feel really uplifted and I cant believe how simple it was to just ring people and say im paying too much, reduce it.
Unfortunately the gas of £75 cannot be reduced as found out im £166 in debit, she said I should actually up my payments - and I dont qualify for free school travel. I suppose I cant win them all!

Awesome! Well Done

harrys_dad

MsKex wrote: »

Wow thanks for all of your comments and time in helping me out, I really appreciate it. With all your suggestions I have created an action plan for me to do tomorrow.



Mobile phones . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33.00 - how long is your contract for? Can you get this reduced? I’ve been on O2 for about 3 years, I’ve never really thought about changing the contract to get cheaper - will look into it.

Firstly, well done indeed for sorting out an action plan. You have taken the key step of getting some control back for yourself.

Secondly, most 24 month mobile phone contracts of that sort of payment include about £10 a month for the call package and the rest (in your case £23 a month) to pay for the phone. Once the 24 months is up the phone is paid for (unless you upgrade again of course) but unless you move to a SIM only deal you continue to pay for the phone. If you have been there three years without upgrading (which is usually unnecessary anyway) you have paid an extra twelve months for the phone.

harrys_dad

Apologies, did not see you had already updated your post with savings made. Well done again.

LittleMissDetermined

MsKex wrote: »

Wow guys - can I just say, thank you so very much. My son is off ill today from school so I have spent the past 2 hours phoning various companies/doing an account spreadsheet and I have managed to save myself a whopping £71.93 so far! :j

O2 -was £33/have signed up for a new contract for £24 = £9 saved
SKY - was £58 - thank you for all of your suggestions on this and freeview. I did what Sharp suggested and the man I was speaking to offered me my landline/unlimited broadband and basic SKY package (inc the childrens cartoons) for £31 per month = £27 saved
Council tax - was £71/have asked for a 12 month payment plan instead of ten so has reduced to £53 per month = £18 saved
Bank charge - was £6.50/cancelled entirely = £6.50 saved
Home Serve - was £27/told them I was leaving and they offered me a discount and is reduced to £16.57 for all emergency cover inc boiler = £11.43 saved.

I feel really uplifted and I cant believe how simple it was to just ring people and say im paying too much, reduce it.
Unfortunately the gas of £75 cannot be reduced as found out im £166 in debit, she said I should actually up my payments - and I dont qualify for free school travel. I suppose I cant win them all!

Really well done, this is a great start! Keep it up and you will feel in control in no time. :T