Update and some advice pls!

irishmanc

Hiya,

Its been a good few months since my last post, mainly because my life has become dominated by exams! Boo! I thought I'd give you guys my latest SOA and ask for a little help.

Firstly, my mob contract ends soon, finally. I have found out that this yr so far I have spent over £600 pounds on my mobile phone! I have a 3 contract, with 300 mins and 100 texts. I can't control myself and go over. I really want to go PAYG to knuckle down and control this, spending a max of £15 a month. Anyone think this is a good idea? I am really worried about getting another contract as no matter how many mins free they give me I will def go over, I have no self-control! I also have a discounted t-mob line with off-peaks mins, but the phone is knackered.

My SOA is as follows:

Incoming:

Salary (less student loan and sharesave scheme) : 1483.79
Rent from room: 262.00

Total: £1745.79

Outgoings:

Mortgage: 879.70
Countil Tax: 87.00
Gas&Elec: 27.00
TV: 11.37
T-mobile: 5.01
3mobile: 55.00 (ave for yr so far!!)
Insurance: 11.68
Laptop cover: 2.39
Water: 20 (saving this for my 6 monthly bill)
Flat Maint: 25 (yearly bill in 300)
Food/treats: 100 (spend on my cash back card and pay off in full every month)

I put £55 in my savings account for birthdays/xmas etc. The remaining balance is put towards one of my 3 0% cc, whose balances total £7,037.48.

I am getting broadband (with talk talk) on Friday, the cost of which will be split with my faltmate, so that will be an additional £20 expense. However, I want to start matched betting and doing more dailyclicks/quidco etc to boost my income.

Any tips/advice would be much appreciated. Love this site, x

Kevicho

If you are looking for a good mobile deal at themoment check out 02s 15 quid a month selection.

Also go through quidco as you will get a 23 pound cashback.

best of all this is a monthly contract with 30 days notice at any time

irishmanc

Thanks Kevicho, I'm having a look at the o2 website now!