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2020++ - smiling and waving and looking so fine
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ooh great review done, amazing how things add up!! I need to sort new gas/electric, already switched broadband, small savings but somethingDebt Free I FFEF I Building Savings I 2025 Plan:
- Regular Savings £7,400/£10,000
- Slush Fund £3,800/£10,000
Save £12k in 2025 - #50 - £11,200/£20,000 (56%)4 -
Would it not be cheaper to move TV and broadband to virgin? Have you tried renegotiating with sky now you are out of contract?*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/4 -
Thanks Sarah - that's the plan. Especially as DD2 can refer me for £50 each. Virgin scheme seems that you get referred then they call you - obviously up selling, but I have a few questions so happy with that, although it seems bizarre.
I can renegotiate the rump SKY package (-movies and anytime call) to end up at £36 for full HD package and Netflix down from £66. The anytime call is going as OH and her Dad now facetime, and that was the only driver for the landline cost. With Netflix and Amazon prime we are OK for movies. We did consider trying to make do without sky completely using On Demand, but we decided this was not the year to limit convenience and range of our TV type entertainment
So I should be able to go from £80pcm for all TV/BB/Landline to £100 (one month out of contract cost) but then down to £27pcm with Virgin (averaging £50 referral costs) for BB and Landline but no calls - and £36 for SKY (inc Netflix)- so a saving of just over £35 pcm. Plus DD2 can also use our spare Netflix (with HD package you get 2 active viewers) so that saves her some money as wellI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine3 -
Sounds like a plan. Make sure you look at what the offer is online before you speak with virgin to ensure you get the best deal as they don't always offer the same.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/4 -
thanks again Sarah, that was helpful. the guy at the end of the line literally said, they were not allowed to volunteer affiliate deals, but would discuss them if prompted!!
Virgin also offered me their basic TV deal (with box) for the same price, so I went with it to give us options later, although the basic package is basically freeview, but the ability to record and play back quickly is valued in this house, so it gives us now-tv type options for later. got to be a bit careful as SKY will want me to sign up for 18 months - I'll see what I can do.I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine5 -
Think virgin contract is usually 12 months but be careful as contract restarts if you upgrade but the discount doesn't remain for the full term. I.e if 3 months into 12 month you upgrade your 12 months start again but you only get the discount for 9 months of it. They are quite sneaky so double check before agreeing to any changes with virgin.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/5 -
Thanks @Sarahwithlove duly noted. This was 18 months so even more reason to be careful as they will no doubt try it on at some point. Also they were very clear that in 17 month I will get an email telling me what to do about renewal/retentions and that the price would doubling at the end of month 18. That's in the calendar now
I think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Put the car up for sale on ebay and its has been wild - lots of people interested in cars that need a little work apparently - and the valid MOT is helping even if short. Looking to get back almost (only £100 less) what I paid for it a year ago.
Will let you know - I put it up on 5 day sale, currently at 5 hours and had 8 offers/expressions of interestI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
Sounds fabAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254 -
Good luck let's hope you get a good amount for it.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/4
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