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SOA. Childcare fees and want to save for a house!

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  • chelseablue
    chelseablue Posts: 3,303 Forumite
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    midnight_express wrote: »
    Mobiles seem very high.

    Mines £33 a month. My contract isnt up until next year. I wont need a new handset so can shop around for a good deal or go PAYG

    Asked my partner if he'd switch to PAYG, he said no :mad:
  • chelseablue
    chelseablue Posts: 3,303 Forumite
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    Elasticmoney wrote: »
    The OP has stated 2 cars so assume these figures cover both.

    Yes its for 2 cars.

    My insurance is only about £25 a month as Ive been driving since I was 18 and have over 10 years no claims

    My partner's is £85 a month as he only passed his test last year. His insurance is due for renewal in March so will be shopping around to reduce it by quite a bit hopefully.
  • chelseablue
    chelseablue Posts: 3,303 Forumite
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    Elasticmoney wrote: »
    No contents insurance?
    No provision for medical expenses?
    No budget for entertainment?
    No emergency fund?
    No child related expenses - clothes,toys etc?
    No holidays?

    Touch wood Ive not been to the drs in years so dont really have medical expenses

    Out of the £1k left over I try and save £800 and keep £200 for going out etc

    The emergency fund I can take money out of my current savings

    Wont be going on holiday this year :-/
  • Bobarella
    Bobarella Posts: 10,824 Forumite
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    chelseablue wrote: »
    Yes its for 2 cars.

    My insurance is only about £25 a month as Ive been driving since I was 18 and have over 10 years no claims

    My partner's is £85 a month as he only passed his test last year. His insurance is due for renewal in March so will be shopping around to reduce it by quite a bit hopefully.

    Sorry, I missed that. But the question remains, could you do without 1 car at least?
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
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  • chelseablue
    chelseablue Posts: 3,303 Forumite
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    Bobarella wrote: »
    Sorry, I missed that. But the question remains, could you do without 1 car at least?

    I need my car to drop my son off at his nursery, then get to work for 8:30am then collect him in the evening. So I def need a car.

    My partner starts work at 07:30am so it is very convenient for him to have one too.

    If we were totally skint then I wouldnt mind sharing, not sure he'd agree. :rotfl:Plus he'd always be asking for lifts ;)
  • ReadingTim
    ReadingTim Posts: 3,970 Forumite
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    Suggest Sky/cable TV could be chopped - there's plenty of stuff on freeview.
  • chelseablue
    chelseablue Posts: 3,303 Forumite
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    I wouldn't mind getting rid of it in July when the contracts up.

    The other half is a big football fan so it's cheaper to have sky sports than it is for him to watch games up the pub
  • chazsucks
    chazsucks Posts: 396 Forumite
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    Hmm not sure I have much to add from previous comments - if it was me I'd try and cut down on the mobile phone bill, the satellite tv, the groceries, and the car costs (probably share a car).

    How old is your son? Is it from 2 they get free 15hrs childcare now or still 3?

    If you're saving £800 per month already that's awesome, but I'd still try to shave off some of the extra amounts if you're serious about saving up for a house :)
    Misc debts - £5,000 | Student loan - £9,000 | Mortgage - £180,000
    Goals for 2015: Sell house & downsize + Increase income + Get debt Free :shocked: {Diary}
    <3DS born 05/05/2009 & DS2 born 12/02/2011 <3
    Smoke free since 01/01/2010
    Paid off credit card 04/04/2011
  • chelseablue
    chelseablue Posts: 3,303 Forumite
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    He's 9 months old, he won't get any free hours until he's 3 years.

    Been looking at mobile tarrifs tonight. When my contracts up I'll keep the handset and get a sim only deal. Could save £20 a month or more :)
  • chazsucks
    chazsucks Posts: 396 Forumite
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    That's a good idea! I'm on a sim only contract and it's cheaper than when I was on PAYG!
    Misc debts - £5,000 | Student loan - £9,000 | Mortgage - £180,000
    Goals for 2015: Sell house & downsize + Increase income + Get debt Free :shocked: {Diary}
    <3DS born 05/05/2009 & DS2 born 12/02/2011 <3
    Smoke free since 01/01/2010
    Paid off credit card 04/04/2011
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