Need Advice Urgently

twinklie

How long are you tied in for with the sky, broadband etc?

Also, have you checked your car insurance is the cheapest you can get. I'm insured on my partners insurance, as a named driver who gets no claims bonuses too (I only passed my test last month) for £441 for the whole year!

david_hellier

Hi Tarici,

According to my figures you have £45.93 per week to spend on yourself.

I suggest you write this amount in a little note book (a spending diary) on a Monday and keep a note of what you withdraw or spend throughout the week by subtracting each spend. If you do have any over, carry it forward in your book to the next week, as this will keep your od charges down.

Do not use CCs for any more purchases and set up standing orders for the repayments, not DDs. Never make the minimum payments.

Good luck, the figures:

incomeweeklymonthlyself 1350.00partner cb tc total0.001350.00divide by 4.33 £ 311.54 £ 311.54 total weekly incomespendweeklymonthlyrent/mortgage 495.00council tax 0.00elec 0.00gas 0.00water 0.00secured loans 0.00TV licence 0.00fines 0.00VF 50.00Car ins 50.00Lloyd TSB debts 20.00Cap1 100.00HSBC 200.00Travel 200.00bb 18.00syk 18.00 total0.001151.00divide by 4.33 £ 265.62 £ 265.62 total weekly spendStart= income - spend = £ 45.93 per week

boyse7en

Get rid of SKY
Get rid of your mobile, get a PAYG if you really need it but limit it to £10pm

Buy a bike and cycle to work

tarici

I have 6 more months on sky and about 8 more months on mobile. Unfortunately I cant Cycle to work as I live in Sheffield and work in Leeds, trust me I wish I could.

David thanks for the advice.

twinklie

Are there fees for cancelling the sky and/or mobile?

If there are, work out what you'd save if you just paid them and make a decision from there....sometimes it works out cheaper to take the punishment for opting out than to carry on.