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What is the absolute minimum you need to survive on?
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sourcrates wrote: »Thing is they are soo handy to have, my life is on my phone, I can do my banking, buy stuff, find my way anywhere, check the weather, pay a bill, the list is endless, and most contracts average around £35 a month, so it does add up over the year.
I love having a smart phone. Being a developer I do honestly feel I need to have one to understand how it all works, I can't develop apps properly without a decent smartphone.
But what I did was negotiate a 0% purchase rate on my credit card and then purchase the phone second hand from CEX (has a warranty) and then get a cheap £7 a month contract. I've had the phone 2 years and have paid so much less a month paying it off. Phone was £400, contract has cost me £168 over the 2 years. So that's £568 for 2 years. If I'd got a 24 month contract I would have been paying £35 p/m = £840. £272 saving and I still get a good phone.0 -
I can do all that on my HTC, I got the phone for nothing and pay £10 month!
I just like the phone man lol !!!!!I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Mine to sour, but i traded in a perfectly good iPhone 4s for a 5s at the end of its contract!! Crackers.£1000 Emergency fund No90 £1000/1000
LBM 28/1/15 total debt - [STRIKE]£23,410[/STRIKE] 24/3/16 total debt - £7,298
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Wow something that really strike me from this how much people are paying on pricey phone contracts they're tied into....Deep_In_Debt wrote: »Not me! I love PAYG!
Nor me.
£10pm gets me unlimited landline calls (01, 02 and 03 numbers), 120 minutes of mobile to mobile calls, and I keep the £10 topup. :cool:0 -
sourcrates wrote: »I just like the phone man lol !!!!!
I've never had an iphone even when I had money! I guess I can't miss what I've never had.LBM: Dec 2012 - Debt £38,180/ Now £0.
DFD - 17/04/2016
Gambling: The sure way of getting nothing from something.
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