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Need to get myself together: The beginning

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  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Very true Abba

    Just realised not had my letter from Sheila Wheels regarding my renewal in February 18. Do you think I can phone them regarding this or even set up my new insurance I wish to have... maybe I should phone them first lol xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Been on their website and it says find my policy number and I can cancel online tonight. Seen better deals online saving like £15 per month. Will get on this tonight and try find my policy number.... try lol xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Found my policy documents and emailed Sheilas Wheels to cancel. Was informed this will take 72 hours for them to reply and cancel. It will cancel on 18 Feb. When I get reply will change insurance, saw good few deals and will do this saving £10/15 per month.

    Will be phoning Sky tonight to cancel main things. Might actually look up better bundle deals :/ All I want to keep is Sky1 (Game of Thrones) and comedy central (impractical jokers) we dont watch much TV and if we do its Netflix xx

    6 days to payday
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    edited 20 January 2017 at 10:57AM
    On chat the now to lower my costs with sky as they have upped it to £58 per month... not a chance lol! Hoping this will save me some money. will update with this.

    will be doing car insurance through top cash back been informed through TBC will get £30 back through them... will do this once email from Sheila wheels confirms my cancellation.

    also when get paid next month will pay of rest of my holiday £499!! and hoping to have first £100 saved for spending. And will look up travel insurance through cashback site and all money made cashback will be going to my sons spending money allowance :) xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Update with Sky managed to get it down to £44.50 per month for 12 months.

    Still awaiting from Shiela Wheels and cancelling policy for renewal and then I can through cash back get £30 return and then its £29 per month all same as before policy saving £11 approx.

    Hydro is still processing my change gas and elec and update on cashback should be £60 now :)

    So this will be £90 for my boy once goes through for his spending money :) xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    You've got some nice little savings there well done xx

    Great news on the cash back as well you have your spending money saved in no time xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    Part of the Furniture 1,000 Posts
    monz wrote: »
    Found my policy documents and emailed Sheilas Wheels to cancel. Was informed this will take 72 hours for them to reply and cancel. It will cancel on 18 Feb. When I get reply will change insurance, saw good few deals and will do this saving £10/15 per month.

    Will be phoning Sky tonight to cancel main things. Might actually look up better bundle deals :/ All I want to keep is Sky1 (Game of Thrones) and comedy central (impractical jokers) we dont watch much TV and if we do its Netflix xx

    6 days to payday

    I do this every year, I cancel sky, it takes 30 days to cancel, then after about 7 days I go onto the sky service app on my phone and there is a 50% offer, I pay £34 a month (for tv (everything except sports and movies and includes boxsets) unlimited internet, and phone) it's meant to be £66.90

    YAY for getting legoland sorted hun well done :)

    I will be asking you for tips, my plan once we are debt free is to go on a epic holiday to florida :) xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Holiday will be fully paid Friday woo! Day after payday

    Today is my birthday ahhh 32 lol! Next Saturday will be my bday night out and also have to pay £100 to a lodge cabin for my friends 30.

    Nothing else to add other than done cocktail making class on Saturday and very drunk. Home by 8 in bed sleeping by 9 lol xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Morning everyone

    Got an email confirming cancelling my car insurance with Sheilas Wheels. Thursday payday I will get my new car insurance booked through TBC site.

    Also payday Thursday will pay for me and my boys travel insurance.

    Friday will pay off rest of holiday too. Will put money aside for holiday and hopefully I will not need to touch this by end of month.

    Saturday will be birthday night out :) Hoping I do not spend much lol xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Thanks monz you've just reminded me I need to look into travel insurance for our holiday xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
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