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Time to Face The Music

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Comments

  • RelievedSheff
    RelievedSheff Posts: 12,735 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    It does make a difference.
  • RelievedSheff
    RelievedSheff Posts: 12,735 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    edited 10 February 2022 at 1:23PM
    I have tasked myself with looking into our life insurance today. The policy we took out 3 years ago when we bought our current house was arranged by the mortgage broker we used and we have always felt it a little on the expensive side at £63 per month for a joint policy.

    Half an hours work and I have got the price down to £19 per month for a policy which covers everything the old one did and covers a slightly higher amount should the worst happen to one of us. 

    A £44 per month saving is not to be sneezed at!
  • Sun_Addict
    Sun_Addict Posts: 24,932 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done that’s a brilliant saving. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • LittleMissDetermined
    LittleMissDetermined Posts: 10,248 Forumite
    Part of the Furniture 10,000 Posts Debt-free and Proud! Photogenic
    That’s a really good saving! Well done, it’s definitely worth shopping around
    Life gets in the way...PADding is addictive...Saving's better than spending...
    My savings diary - Now for a healthier, wealthier me
    2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017
    EF £1000/£1000 | Sabbatical £4220/£6000
  • alt80
    alt80 Posts: 4,677 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Nice saving for I assume same amount of cover so not losing out, win win there. 

    Bit lighter evenings here too and my cherry tree really blossoming now; spring won’t be too far away.
  • RelievedSheff
    RelievedSheff Posts: 12,735 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Slightly better cover so win win 😃
  • beanielou
    beanielou Posts: 97,870 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Blimey, that's a difference.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • warby68
    warby68 Posts: 3,156 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Well that proves the shop around point with bells on.

    Great saving going forward - some way towards the fuel increases


  • RelievedSheff
    RelievedSheff Posts: 12,735 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Not a no spends day today. £100 sent to the Paypal account and we need to go and do some shopping tonight after work and get some bits and pieces for the weekend.

    Breakfast, lunch and dinner will be from stores. Breakfast was crumpets, we have both taken our packed lunches to work and dinner tonight is a pizza and a few beers on the sofa watching a couple of films. 

    The other half will take the dog for a walk tonight while I am in the supermarket. They have a nice wooded riverside walk alongside the store. The dog likes it in there. So other than putting the shopping away and setting the washing machine to do a load of washing overnight, we don't have anything else to do other then chill out and unwind tonight.
  • RelievedSheff
    RelievedSheff Posts: 12,735 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic

    Balances Update 11.02.22

     

    Furniture Loan = £0 (Account Closed)

    Debt 1 = £0 (Account Closed)

    Credit Card 1 =£0 (Account Closed)

    Credit Card 2 = £0 (Account Closed)

    Credit Card 3 = £0 (Account Closed)

    Credit Card 5 = £0


    Credit Card 4 = £550 (£150 repayment 0% interest until November 2022)

    Credit Card 6 = £2600 (£100 repayment 0% interest until August 2022)

    Credit Card 7 = £9700 (£200 repayment 0% interest until November 2023)

     

    HP Car Loan = £411 (£251 repayment final payment February 2022)

    HP Motorhome Loan = £20051(£393 repayment final payment April 2026)


    Paypal Credit = £440 (£100 repayment 0% interest until December 2022)

     

     Total Debt = £33752

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