New DFW; mini SOA & 'Hello'!

Tabatha_Kitten

Car maintenance (including MOT)......... 5

Really ?
I'd say you've just about covered the MOT there.
What about annual service ?
Oil change ?
Tyres ?
Brakes ?
Exhaust ?
etc etc etc.
You need to put more away than a fiver and build yourself up a "car emergency fund" because even if it doesnt happen this month or next month or even by next September, you can bet your bottom dollar that there will be a huge car bill at some point !

nicp60

StudentMam wrote: »

The 200 is electric as we've got no gas and have storage heaters instead of ch, it's being queried with the company at the minute but it apparently due to underpaying last year? Had a letter last week to say they're recalculating it though and have been desperately trying to cut back on the electric since January so fingers crossed it'll drop!

I had storage heaters in a flat that I used to live in - absolute nightmare!! I ended up with a £600 debt with them that they never told me about!! Make sure you provide proper meter readings. I do it every month now - whether they ask or not.

StudentMam wrote: »

I usually do a load of overtime and push for commission leading up to Dd birthday and Christmas and use the extra cash for this but as you've made me realise putting a little bit away each month and buying in advance will definitely be a better way to go and then would leave the overtime and commission for paying off debts? Sounds like common sense really but just never really done it this way before,

I started doing this every month from Feb/Mar time. If you look at my diary you'll see it was slow going at first!! But, when my car failed its MOT it was OK because I'd put £30 a month aside and had enough to cover it. We now have £300 saved for xmas - I don't think we'll spend it all, but I've not even missed the money! It's been a revelation. I love checking my bank balances now, because although there's only £70 in my car account, that's 70 that I would never have had this time last year and that won't get spent on anything else, no matter what.