Newbie, what should I do?

Dr_Hook

What a difference a balance transfer makes! :cool:

lynzpower

What I dont get is where does the resdt of the money go?

If you spend 2056 ojn your outgoings, where does the other 943 go to

what are all those policies are you sure you need them?
Your broadband is high, tescos/AOL and a few others do 9.99 a month,
is that your landline at 60pcm?

Also your B&Cs is very high, use quidco.com to switch suppliers and save money.

Doctordavies

lynzpower wrote: »

What I dont get is where does the resdt of the money go?

If you spend 2056 ojn your outgoings, where does the other 943 go to

what are all those policies are you sure you need them?
Your broadband is high, tescos/AOL and a few others do 9.99 a month,
is that your landline at 60pcm?

Also your B&Cs is very high, use quidco.com to switch suppliers and save money.

The remainder of cash goes towards cc payments (I put in the 200 total as an example for the post above) I pay around £600 in total on CC payments. On top of that is food/drink/lifestyle. I do now realise that I spend quite a bit of cash on "stuff" that I can now cut right down on - I really needed this push to get me started.

The policies are all life insurance, two for me and one for my wife, they are all necessary imo.

I'll look into finding a cheaper internet supplier.
No thats mobile at £60pm I forgot landline :mad:

I'll look into switching suppliers too.

Thanks for your help.

Dr_Hook

When you're switching, make sure you sign up to and go via Quidco for cashback.

lynzpower

I dont understand why you need 2 pollicies for you?

I would shop around, you can switch policies you know

Doctordavies

lynzpower wrote: »

I dont understand why you need 2 pollicies for you?

I would shop around, you can switch policies you know

I am a smoker, when I took out the policies, it was cheaper to take out two policies covering the same amount of cover at the time, I have now stopped smoking for the last 6 months, so will look into shopping around.