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Another one..:-)

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Comments

  • rog2
    rog2 Posts: 11,650 Forumite
    10,000 Posts Combo Breaker
    itsgototstop wrote: »
    No are they much cheaper?

    In a word - yes. You would probably not find the same choice, nor would you find everything you need for your 'weekly shop' but we split our weekly shop between Tesco/ASDA and LIDL/ALDI. What you do get at LIDL and ALDI is lots of continental foods at up to half the price of the big guys. Fruit and Veg can be 70% cheaper. You won't find all the 'branded' products though.
    We reckon that we have, consitently, shaved more than£20 a week off of our 'weekly shop'.
    I am NOT, nor do I profess to be, a Qualified Debt Adviser. I have made MANY mistakes and have OFTEN been the unwitting victim of the the shamefull tactics of the Financial Industry.
    If any of my experiences, or the knowledge that I have gained from those experiences, can help anyone who finds themselves in similar circumstances, then my experiences have not been in vain.

    HMRC Bankruptcy Statistic - 26th October 2006 - 23rd April 2007 BCSC Member No. 7

    DFW Nerd # 166 PROUD TO BE DEALING WITH MY DEBTS
  • Wildchild_2
    Wildchild_2 Posts: 147 Forumite
    Well done - you have done really well with cutting your spending.

    Good luck:T
    [STRIKE]CC 1: £102[/STRIKE] / C[STRIKE]C 2: £349[/STRIKE] / [STRIKE]CC 3: £1000[/STRIKE]
    CC 4: £1000 / CC 5: [STRIKE]£150 [/STRIKE] / CC 6: [STRIKE]£500[/STRIKE]
    CC 7: [STRIKE]£500 [/STRIKE]/ [STRIKE]CC 8: £1183[/STRIKE]/ [STRIKE]CC 9: £1639[/STRIKE]

    Total debt: [STRIKE]£6,423[/STRIKE] :mad: £[STRIKE]6,128[/STRIKE] [STRIKE]£5,978 [/STRIKE][STRIKE]£4,099[/STRIKE][STRIKE]£3,639[/STRIKE]
  • itsgototstop
    itsgototstop Posts: 372 Forumite
    Things are getting done..yes!!!

    1) switched to value brands at tesco, huge savings and I then searched for a coupon code, got one for £8 off here....huge shop halved from £120 to £50...took advantage of all the BOGOF if I used the stuff anyway, cats had a reprieve as premium brands half price

    2) Earnt £140 at quidco, goldfish card, a few gambling sites

    3) Rang my bank and asked if they would start reducing my od limit by £100 a month going forward, they were surprisingly nice although they laughed and said most want to increase?!

    4) About to switch from npower but just waiting for green light

    5) Still tiling:confused:
  • itsgototstop
    itsgototstop Posts: 372 Forumite
    Nearly there...

    1) Downgraded my advantage private nat west account to just a private account, saved £220 a year. Should have done ages ago. Will lose my charge card but will use egg blue card instead for cashback.

    2) Switched gas and elecric to EON for fixed tariff till April 09, £70 through quidco.Was going to wait but got a revised NPpower DD of £165 a month for gas and electric:confused:

    3) Rang up 02 and complained about high tariff, they have reduced by £10 a month and given me more minutes and texts and option of free upgrade in March (will sell on ebay).

    4) Tiling myself a false economy:o.

    5) Off to watch a free lovefilm dvd...
  • itsgototstop
    itsgototstop Posts: 372 Forumite
    Nearly forgot, got £150 MEAF back from RBS.....:beer:
  • itsgototstop
    itsgototstop Posts: 372 Forumite
    Thanks to xmas bonus, just paid, I am debt free which hasn't sunk in yet....Still trying to save money, I think its addictive:j
  • mummytofour
    mummytofour Posts: 2,636 Forumite
    Oh wow thats great NEWS!!!
    Debt free and plan on staying that way!!!!
  • itsgototstop
    itsgototstop Posts: 372 Forumite
    Back again, as my debts still not cleared and I'm very demotivated

    Still owe 5k and its not getting any lower, just paid £1k to fix a new mortgage deal far higher than old one

    Would post SOA but don't think apart from fixed costs what I can lower:confused:
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Welcome back - although you were here originally before me LOL

    I am sure you will get rid of the £5k with the same gusto you did before

    Good Luck!
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • itsgototstop
    itsgototstop Posts: 372 Forumite
    Thanks for that! I;ve just paid 1,000 to fix mortgage and feeling skint, I hope I can but honestly I'm not as motivated now its under 5k ( hits head against wall in shame)
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