Missy’s family of 4, paying off debts, saving for a house and just trying to survive!

joedenise

Hi I've found it!

https://www.lemonfool.co.uk/financecalculators/soa.php 

You need to format for MSE at the end to post in the thread.

missymoo81

Thank You so much. Just looked at it, looks simple enough to fill out. Just at work still, will prob be for another hour or so then I’ll go home and have a look.

today I need to cancel iTunes, count up cash, sort invoice and investigate new phone contract and old phone to music magpie etc.

joedenise

Rather than getting rid of your old phone to music magpie wouldn't it be better (well at least much cheaper!) to keep your phone and just get a Sim only deal.  Plenty of cheap deals around.

missymoo81

Hey JoeDenise. Thank you. I have a phone from 3 years ago that I never sold as the screen smashed and it was an old 4 anyway as ex Replaced it at the time with A new one for Xmas. So I have an iPhone X I’m perfectly happy with. I’m never going to buy a new phone again only second hand and I’ll prob get OH’s hand me downs hopefully. I’ve just cancelled my iTunes so that’s a £10 saving a month and been investigating phone contracts. I currently have one for £16 pm but can get one from Tesco for £10. But I have a quandary. Tesco now do a thing where you pay £7.99 pm. You get double data on your phone and 10% off 2 shops in store Per month. So i could then get the £7.50 a month phone deal as there would be enough data if it was doubled. And I’m trying to spend £66.66 a week on food. So £133.32 would be 2 shops and 10% will be £10.10 + £2.50 id save on the phone contract =£12.60 -£7.99 for the cost of the plan = £4.61 profit but it means I have to physically go into Tesco and I’ve been enjoying getting online shops and not having to stress in Tesco and sometimes I go to Lidl so not sure it’s worth the hassle for £4.61..... but the £10 phone contact sounds like a goer so may switch tonight.

Will update SOA tonight.

joedenise

That's the plan I'm considering missy! Both mine and DH's contracts runs out the end of next month so hoping there's still some good deals around then as don't want to change immediately as then I'll end up paying for 2 lots of 2 phones!

missymoo81

JoeDenise have you heard of voxi? I’ve just heard it advertised on the radio and they do unlimited everything for £10 a Month with a refer a friend thing where you both get £20 amazon Vouchers?! Might be worth a look!

missymoo81

Actually I stand corrected it’s £10 a month for unlimited social media, 12gb data and unlimited text and calls and £10 amazon voucher Each  if you were both on the lowest deal. But still! Oh and it’s a Vodafone company!

joedenise

Yes I've come across the name before but don't really know them as a company other than that they're connected to Vodaphone.  Unfortunately Vodaphone isn't good where I live!  Sound a pretty good deal though.

PurpleFairy26

Whilst the deal sounds good. What’s the length of contract? If you can get out at any time it’s ok. If not I’d think about whether it’s sustainable over that time! I got offered a good deal with $ky but it was only valid if I had tv with them. Didn’t want to get to a point where I wanted/needed to get rid of that and had to keep it because of the phone. 

I’m with ID on a month only rolling deal for £7. DH is £10 bit has about 5x data than me as he needed it at the time. 

missymoo81

Ah that’s a shame JoeDenise. PurplefAiry there’s no contract which is great too. I’ll have a look at ID thanks.