The Four D's

FootyFanDan

alt80 said:

Good stuff re the BB/ BT Sports deal - tbh I’ve had a complete change in attitude over saving small amounts on things didn’t used to give a !!!!!!. Listened to a podcast - someone else in property but a lot more big time massively changed my perspective essentially little things compounding into bigger ones and compound growth. Not gonna lie not a revelation to me but I’ve always neglected my personal finances/ personal life too really. Anyway point is - keep up the good work. 

I have always been the same, I used to think that if it isn't a large monthly figure I am saving then it isn't worth it, however each little amount does add up with the BB deal this will take my annual costs down by over £500 inc the car tax + drop in water bill.So the little bits do add up. I am also currently reviewing whether we are getting best value with TV package and also just cancelled my spotify which will save me another £100 or so a year. I do use spotify but lately I have been listening to podcast via apple so cancelled for now.

alt80

@FootyFanDan it’s a mindset thing I think mate. Do I need to worry about saving £20/m on broadband - not really you probably don’t either but it’s about seeing some value from what you’ve worked for I think. Tbh I’ve never going to start driving something that gets 30mpg and costs £20 to tax a year to save a few quid but really reassessed whether other stuff is getting me value for money rather than just spending out for no real reason. Lot of my problem I’ve got no self respect and no self control. Always said I’ll address stuff in my personal life and stop being self destructive when I’m ‘successful in business’ couldn’t see the fact the wheel keeps turning everyone getting paid etc means it is ok and I’m doing ok.

FootyFanDan

alt80 said:

@FootyFanDan it’s a mindset thing I think mate. Do I need to worry about saving £20/m on broadband - not really you probably don’t either but it’s about seeing some value from what you’ve worked for I think. Tbh I’ve never going to start driving something that gets 30mpg and costs £20 to tax a year to save a few quid but really reassessed whether other stuff is getting me value for money rather than just spending out for no real reason. Lot of my problem I’ve got no self respect and no self control. Always said I’ll address stuff in my personal life and stop being self destructive when I’m ‘successful in business’ couldn’t see the fact the wheel keeps turning everyone getting paid etc means it is ok and I’m doing ok.

Yeah, I defo agree with you its all relative to each individual person/circumstance. Every person will have that one thing they wanna not cut back on unless their hands are forced. Luckily though I have made cutbacks they haven't had to be extreme, for me the funds and paying out the income should never have been an issue and I wasn't a massive shopper but I was wreckless on the little small spends coz I didn't know how to budget or i had tried and failed so just gave up. I think its good to have goals and aspirations that is what drives us, some of us are motivated by the thrill of succeeding, some are motivated by being seen to be good at our job and some are money driven and generally may be in a place they hate purely coz they used to living to that budget and sacrifice work happiness for the money. I guess neither way is wrong providing you strike the balance and are content with what drives you.

FootyFanDan

And that is 4 nights done Thank god! haha. Hope everyone is doing okay after the latest round of information coming through. Hopefully the end is in sight. I have come to a decision re my spotify and just cancelled it, I can do with the adverts for the time I listen to it tbh - I am more of a podcast person now anyways or I will listen to audio books. So that will save me another £119.98 if I can keep up to the cancellation of it. I am also looking at taking of the kids package from Sky as we have disney plus and netflix which is more than enough stuff plus my kid loves her you tube so plenty to occupy when she does watch stuff. This is only £5 per month but she hardly watches the kids channels - so that will be another £60 per year saved. In addition I have PS plus online sub which I normally pay £6.99 per month which whilst is a small monthly amount is nearly bloody £90!!! haha - whilst i certainly get money out of I play online loads - I have cancelled the auto renew and when I get paid I will take money out of personal spends and buy annual pass which should save me aprox £35-40 per year.

I appreciate this is only small monthly stuff and not alot in the grand scheme of things but this is something I would never have weighed up before because I think why paid out right when I can pay small monthly amounts, its only when you work it out that you see how much it actually is.  So if i can stick to my plans my new annual savings are 

Sky channel removal - £60 per year
Spotify - £119 per year
PS Network - £35-£40 per year

So another £214 per year saved, meaning so far I have saved £689 off my annual costs so far. This again might seem small wins but that is pretty much over half my debt gone if I used the savings I am making. Plus I have a wage increase to factor in too so I am hopeful that I can get rid of debt once and for all and put focus on to saving for an house. Quick question - what age is too late to be thinking of a mortgage - this might be in your area of expertise @alt80

Legs21

If you look at those small savings as earnings, then you have earned £689 for a few hours work 

FootyFanDan

Legs21 said:

If you look at those small savings as earnings, then you have earned £689 for a few hours work 

I guess when you put it like that sounds a lot better ha

FootyFanDan

And in true my life fashion we have a item to replace possibly. So yesterday after a few weeks of trying to decide between a washer/dryer and just a dryer we finally opted and had delivered a shiny new tumble dryer yesterday. So of course the first wash we do today...our bloody washer breaks! You literally couldn't write it haha

mark55man

I know its doesn't help, but in an active family, a washer dryer often doesn't get through it quickly enough.  So whilst I feel your pain - its still the right decision to go separate 

FootyFanDan

mark55man said:

I know its doesn't help, but in an active family, a washer dryer often doesn't get through it quickly enough.  So whilst I feel your pain - its still the right decision to go separate 

To be honest I have always been against having a washer/dryer combined, which I think comes from my time working for Curry's and the amount of people who had one element break and can't use either. Hopefully it seems to just be the door mechanism that is broken, the machine is 5 years old and not had any issues up to now. If just the mechanism I could look to fix that - once I managed to get the door open ha

FootyFanDan

Up nice and early today - lovely crisp ground frost on the floor. I was in bed early (well early for me) Little one was struggling to sleep so fell asleep on our bed, we are going to have one tired home-school day today lol. I was wide awake @ 2:45am!. In more positive news I have managed to get the washing machine door open, it was the latch broken so purchased an new handle this should fix the problem   I have also sold old car, only managed £450 but it was going to just sit there and person is a good friend so at least this will cover majority of insurance on my new car when due for renewal in March. 

I will probably check in again later - have a great day