Hello, I haven't save a penny but I desperately need to!

edited 30 November -1 at 1:00AM in How much have you saved?
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SingBGSingBG Forumite
2 Posts
edited 30 November -1 at 1:00AM in How much have you saved?
Hello, I need help and was going to email MSE until I found an article that stated they don't have the staff power to respond so to post on here for help. I want to be a money saving expert but I don't know where to start and because I've never really had to deal with this before, it's a lot overwhelming! Anyway here is what I need advice and help with
Firstly I have a mortgage an it's current interest rate is set at 3.24% and my mother in law told me this is far to high in current market and said something about being able to take money out of the house but I just don't get how this works. I have had a conversation with my bank about it and all 3 times I've spoke to them, they have arranged a callback. Never received any of these. Any help and advise on this would be great fully received.
Secondly I'm on prepay for gas and electric on a standard tariff with about £100 to £150 (energy company say they can't give me accurate amount as their systems take a few weeks to update with meter payment) of debt on my gas account. I know I can change suppliers and most new supplier set up payment plan for the debt but is there any way I can move to billed accounts while I still have debt on my account? Again any help and advice would be greatfully received.
Thirdly I am considering becoming selfemployed so I can help my partner with bills and still be available to be there for our boys school runs but is there anything beside telling the tax man that I need to do? As previously stated any help or advise would be greatfully recieved.
And finally credit cards I need a card which offers 0% on balance transfers and a cash back service, can anyone recommend one because are current one has expired for 0% on purchases and doesn't offer a cash back service.
Please if anyone can help me both me my fianc! and my 2 boys would be extremely greatfully! Many thanks in advance to anyone who does reply to the thread!

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