Journey to £0 by 2020, with a few bumps along the way

Lookafterthepennies2020

chelseablue said:

Lookafterthepennies2020 said:

Well done on the sky saving, I've had a good catch up on your diary and my oh is similar with his finances.  It can be really frustrating for me, but I'm also hoping he's starting to see the benefit of budgeting.  I find it really frustrating sometimes especially when something suddenly comes up and your then required to help x 

Drives me insane sometimes. Although when I gave him a list of our bills he did mention the Sky being high and "we need to do something about that" 
He did nothing about it but the thought was there LOL so that's a start. Sky is in my name so he couldn't of done anything anyway  
He gets paid Friday and he says he's changed it with work so it will get paid into my account, must remind him to change his direct debits. 
I'll be sending money to debts and savings account on pay day so it's gone from the account straight away 

It's his birthday today so I might give him the day off from me moaning about money. Or maybe not

The thought is better than nothing, I did a full YNAB budget for my OH, who then didn't even check it to pay the phone bill in his name etc.  He said I did think I had a lot more in my account than usual, we paid them all etc and got him back upto date but he has just had a finance application rejected (he was with this lender etc previously) so think its give him a bit of a shock (fingers crossed) HBD to Oh hope you both enjoy your evening x 

Lookafterthepennies2020

chelseablue said:

enthusiasticsaver said:

Well done on the Sky saving.  £55 is still a lot though.  I use amazon prime for films etc (£7.99 per month) and we have the basic Sky package for £24 as my DH likes some of the discovery channels etc. We do not have sports though. You have to keep on at these companies to try and keep the bills low.  My mobile contract just finished and it took me ages but I have managed to negotiate £6 a month sim only for 4GB data/ unlimited calls and texts. 
Hope the new finance arrangement works out ok for you both. 

Yes so do I! I'm in a different mindset now so will be saying NO at every opportunity 
If it was just me I'd have the basic sky package but husband does watch the sports channels so I don't mind having them. 
My next one is gas & electric as that's out of contract now.
Then my mobile contract finishes in October, will be going sim only so bill will go down from £50 to about £6 a month 

Make sure you go through quidco if your switching the G&E x x

enthusiasticsaver

chelseablue said:

Yes so do I! I'm in a different mindset now so will be saying NO at every opportunity 
If it was just me I'd have the basic sky package but husband does watch the sports channels so I don't mind having them. 
My next one is gas & electric as that's out of contract now.
Then my mobile contract finishes in October, will be going sim only so bill will go down from £50 to about £6 a month 

You have sounded more resolute over recent months about not giving in to your DH and on a positive at least if he is watching Sky sports at home that is bound to be a cheaper evening than watching it at the local pub.
Good luck with negotiating a cheaper gas/electric contract.  We moved in December and have a smart meter now which focuses our minds on what we are using.
I hope your mobile provider makes it easier for you to downgrade to sim only than mine did.  It always amazes me that they make it so easy to upgrade with  a new phone just by going online but it took me ages to downgrade to sim only once my contract finished.  Using the app sent me round in circles and speaking to someone on the phone was frustrating with echoing sound as he was working from home with what sounded like half his street talking in the background. I should have used the online chat really. 

chelseablue

enthusiasticsaver said:

chelseablue said:

Yes so do I! I'm in a different mindset now so will be saying NO at every opportunity 
If it was just me I'd have the basic sky package but husband does watch the sports channels so I don't mind having them. 
My next one is gas & electric as that's out of contract now.
Then my mobile contract finishes in October, will be going sim only so bill will go down from £50 to about £6 a month 

You have sounded more resolute over recent months about not giving in to your DH and on a positive at least if he is watching Sky sports at home that is bound to be a cheaper evening than watching it at the local pub.
Good luck with negotiating a cheaper gas/electric contract.  We moved in December and have a smart meter now which focuses our minds on what we are using.
I hope your mobile provider makes it easier for you to downgrade to sim only than mine did.  It always amazes me that they make it so easy to upgrade with  a new phone just by going online but it took me ages to downgrade to sim only once my contract finished.  Using the app sent me round in circles and speaking to someone on the phone was frustrating with echoing sound as he was working from home with what sounded like half his street talking in the background. I should have used the online chat really. 

That sounds a nightmare, who are you with? 
I'm with EE

chelseablue

Just paid £1,000 off my loan

New balance is £5,587 

enthusiasticsaver

chelseablue said:

enthusiasticsaver said:

chelseablue said:

Yes so do I! I'm in a different mindset now so will be saying NO at every opportunity 
If it was just me I'd have the basic sky package but husband does watch the sports channels so I don't mind having them. 
My next one is gas & electric as that's out of contract now.
Then my mobile contract finishes in October, will be going sim only so bill will go down from £50 to about £6 a month 

You have sounded more resolute over recent months about not giving in to your DH and on a positive at least if he is watching Sky sports at home that is bound to be a cheaper evening than watching it at the local pub.
Good luck with negotiating a cheaper gas/electric contract.  We moved in December and have a smart meter now which focuses our minds on what we are using.
I hope your mobile provider makes it easier for you to downgrade to sim only than mine did.  It always amazes me that they make it so easy to upgrade with  a new phone just by going online but it took me ages to downgrade to sim only once my contract finished.  Using the app sent me round in circles and speaking to someone on the phone was frustrating with echoing sound as he was working from home with what sounded like half his street talking in the background. I should have used the online chat really. 

That sounds a nightmare, who are you with? 
I'm with EE

I am with Three. Hopefully it is sorted now. 

enthusiasticsaver

Good reduction on the loan. Not long now until it will be under £5k and you are on the final stretch. 

chelseablue

Husband heard from one of his work colleagues last night. The company are going to be making redundancies next week. 

So stressed, really hope he’s not one of them. But they’ve managed without him since April when his furlough started so maybe they’ll think oh well he can be dispensed with

Lookafterthepennies2020

Fingers crossed for your OH, how long has he been employed with the company ? 

chelseablue

Lookafterthepennies2020 said:

Fingers crossed for your OH, how long has he been employed with the company ? 

Thank you, he’s been there 5 years