Get a grip !

Skint_yet_Again

Ok, so I couldn't work out whether to say yes or no to the tree question on some of the comparison sites - say yes if its within 5m of your "property" - searched further some confusion whether this means within 5m of your boundary fence or within 5m of your building !??!

However compare the market showed a picture of a tree with 5m between it and the building so I answered no on that comparison site as its more than 5m away from the house.

Then I looked at some of the cheap quotes and had to reduce some of the excesses to match what I have now, had to add DS's bike on others & away from home, non of them asked about trees or being within 400m of water !?! and in the end couldn't find anything cheaper than the original direct line quote I did last week

I even tried Uswitch, put in all my details and after all that it said they couldn't get any quotes if you were within the tree / water distances. 2 hours of my life wasted. :mad:

Renewal Nationwide £220, direct line quoted £178.20 with same £50 excess. Churchill quoted £156.20 but with £100 excess. I couldn't blag direct line down to same as Churchill without increasing the excess so I have gone ahead with direct line.

Amount saved compared to renewal quote £41.80.


Still not a bad saving & cheaper than last year, which was £186.15. I like these new quotes where they have to tell you what you paid last year saves digging out old paperwork !

savingwannabe

Well done on persisting you know you did your best.

Insurance is one of those horrid things we do every year but it is worth it even if it is stressful. You always hear about those people who dont have it and then they have a flood or something.

Mine is always up for renewal at the end of the summer holidays and i hate doing it.

Skint_yet_Again

Got really stressed sorting house insurance this morning and ended up going to McD for lunch


However, I used the MSE survey voucher "hack" :money: using a receipt from a purchase from before the holidays and I only paid £1.99 for a big mac and fries. I only ate 1 slice of the bread (and all the fries ) as I also used the free prize voucher I won for 6 free chicken nuggets. :cool:


This afternoon I have washed down the living room window and front door and the car after being bombed by bird poop again ! I opened one of the living room windows and it got stuck wide open :eek: Thankfully I had some 3-in-1 spray oil stuff from £1 land, and with a screwdriver and a bit of brute force I managed to get it loose and shut again !


Am now lounging on the sofa and planning to do nothing else apart from iron some trousers for tomorrow.

savingwannabe

Good can you iron mine too! lol. Have a good Sunday night.

bobobski

Hoorah, I'm so glad your boiler's all sorted! It could have been a LOT more expensive so well done you. And the dishwasher fixed too - woohoo! Back to modern living for you SYA!

£11.10 for lunch, tea and dessert is very good going - I can easily spend more than that just on drinks Going to Wetherspoons for pudding is such a good idea, I may need to start copying you!

Your son is so lucky to have a mum who home cooks everything and does lots of different dishes too. So many people these days are brought up on ready meals or the same two dishes repeated every day.

Well done on the insurance front - a saving is a saving after all and £40 is not to be sniffed at; it's almost enough for 4 meals out with your friend!! In my house buying budgeting I've been allowing £300 for insurance as I've no idea how much these things cost so £178 sounds cheap to me.

Hope you have a lovely relaxing Sunday evening

Skint_yet_Again

bobobski, buildings insurance is such a variable cost depending on lots of things including the type of property (not a listed building, what its made of, end terrace mid terrace, flat etc) and what its made of, (they seem to like brick walls and tiled roof, they always ask about whether the property has a flat roof, so I don't know if they increase the premium) how many rooms / bathrooms and where it is.

My house is near water, the pond is less than 400m away, comparison sites and some insurers ask if you are near water. They also ask about flooding (pond / my house has never flooded). My neighbour has a tree over 10m tall - some insurers & comparison sites ask about trees near your property. Some also ask what type of locks the property has.

My cover included buildings insurance standard amount £1million, contents insurance £35,000. Direct line include bikes up to £500 in the home as standard. I added accidental damage for buildings and contents and cover for "personal possessions away from home" such as mobile phones & laptops & bikes as these are not covered as standard.

I also got a discount as I have my car insurance with direct line, and I have 5 years no claims on my buildings and contents insurance.
If you buy a flat it might already have buildings insurance in place by the leaseholder and you would pay a share. Hopefully £300 will be an overestimate for you.



Day 1 back at work went ok today. Orange petrol light was on this morning so I put £10 in on the way to work. I called into aldee on the way home and spent £44.92, hopefully that's it till after payday !


I have booked onto an NHS diabetes patients conference in may, I will have to pay £3 but a healthy lunch is provided & parking is free at the location ! Hopefully I will get some good advice.

Skint_yet_Again

Day 2 back at work and I am sooo tired. Its all the mental concentration lol.


I have decided to have a day off Friday, so I will have a long weekend with the bank holiday on Monday :j


I am out with friends Thursday night, am not drinking as I am driving but it will still be nice not to have to get up at 5.30am and go to work the next morning. One of the girls is looking for vouchers so hopefully I will not spend much !

savingwannabe

Poor you! I had the day off and did a walk for 30 mins to supermarket and got so tired I fell asleep. I just woke up. So far nothing done!!!!

It is sooo cold. Beautiful and bright but v cold.

Glad you are going out I don't think I am as no money.

Skint_yet_Again

Have just been to sainsbobs and bought DS 8 boxes of the eat natural bars he gave me extra money as they are on offer saved £4 :j


I have £17.64 left in my purse which is to spend on my night out Thu. Roll on payday !


Its sunny here but cold and we have just had a sudden hail shower for less than a minute, weird weather !! Hope it warms up at the weekend. I have been invited to go out with friends to town will see if I can get any bargains in £land whilst they look at jewellery and clothes :rotfl:

Skint_yet_Again

EEK - have just had to dash out and fetch washing in. The sky has gone black and its pouring with rain !!


The replacement dishwasher wheel arrived today (if you remember I ordered 8 wheels, they sent me 7 and another item not ordered) and they sent me a spare as well I have been using it with 7 wheels on the bottom basket but it is better to have all 8.


Update - its now sunny at back of house, black skies at front of house, raining both sides and an amazing rainbow shining against the black sky !