third try at this debt free thingy - argh!

angelflower_2

hey guys

ok so this is my third try at changing financial habits but this time is different. This time I own my own house and I am dammed if i am going to lose it.

Am really happy as have just managed to reduce home insurance from £47 a month to £19 a month by just phoning them and saying I was going to leave!!

BT next on hitlist!!

OliveOyl_2

Welcome and Good luck with your journey!

And if you're brave/determined, then post a SOA for all the clever ones here to offer advice on further savings

(see sticky at the top of the page)

floss2

Hi angelflower...have you posted an SOA? see MSE Andrea's sticky for newcomers....

Well done on the insurance - see what you get when you ask?!

Fortheloveofmoney

Hello not so newbie! Welcome back. So what went wrong before? Just asking because a) I'm nosy and b) sometimes its good to share pearls of wisdom

angelflower_2

my soa is a bit of a mess at the moment as recently lost my job. not getting all the benefits i am entitled too and also, I am using CAP to help me negotiate etc.

My main problem now is BT phone bill is currently £55 a month and I have to get it down to £20 but if i can help it, I need to keep internet (and wireless as I dont have a phone socket near where the computer is). to both job search and help amuse my daughter (since she has lost her mobile, sky tv, afterschool clubs etc).

Am currently putting about £20 into my new payg mobile (o2). Can I swap to one of the sim cards where you put in £15 a month and you get lots of free text whilst still keeping my current number?

I am a nightmare impulse buyer in tesco. Want to start shopping online to weed out all the stuff which is non essential which I just cant seem to do instore (and yes, i think paying delivery is worth it in comparrison - especially if i order in advance and get the cheapest one!!) If I order in advance, when do they take the money out of your account? ie, if i place an order now to be delivered next week...when would they take the money? At point of order or on day of delivery.

Not checked the whole PPI thing yet but have loans dating back 4 years and have always paid the ppi so maybe i can get that back. have been waiting to find out the outcome of the court case before claiming my bank fees too but maybe i should push ahead. am worried that i will have to try get another bank account tho and with mess am in, dont think i will be able to

angelflower_2

what went wrong before.....mmmmm, my salary went up quite a bit so suddenly making the payments...not such a problem. Bought a house and actually reduced my outgoings as the mortgage cheaper than rent. This all meant i had more money than before.

Also, i just 'forgot' about the difference between needs and wants and quite honestly didnt care what i was buying. Stopped focusing on emergency situations and stopped coming on here!!!!! (i know, therein lies the problem!)

painted_lady

My advice to you,
- post soa
- keep reading posts on here, def works for me, prob single best thing to keep me moyivated
- continue trying to reduce outgoings, again this is an ongoing thing, i regularly check mine
soz for typing, poorly baby on lap

angelflower_2

dash

Cant change the BT. In contract until April due to a house move and they cant reduce package until February.