Debt free help

savergrant

"My looking at cancelling my ee but I'm in contact till Jan next year can't cancel daughter as she got it for Xmas husband won't get rid of his as he uses it for work"

If your husband's phone is not under contract then he is paying too much. If he needs an ee signal and uses a lot of data then you need to swap his deal with your daughter's by porting his number to a temporary provider then porting it to your daughter's sim and putting her sim in his phone. You can then get a much cheaper deal for her. I am paying 5p for 4gb per month from lyca on o2 network, lebara gets better reviews and offer 3gb per month for 5p using vodafone's signal.

If you text pac to 65075 ee will reply with a code to give your new network (you have 30 days to do this) and importantly any charges you will have to pay or credit you will lose. Texting pac does not commit you to leaving, you carry on as before unless you give the pac to another network.

What are you currently paying for? And how much data does each of you need? If your phone is still under contract and fairly valuable could you look at selling it and putting your sim in a cheaper phone? If you are paying £50 per month each presumably you all have high spec models. I have had my last two phones when my brother-in-law has finished with them, the first one is now my 9 yo daughter's for ttrockstars and roblox.

Is there anyone in the family who could help with the school trip? Or could you speak to the school about hardship support? Her education is a massive priority and she shouldn't be the one to miss out if at all possible.

CreditCardJunkie

Can you do some keeping in touch days for some extra money? I managed to eliminate my personal debt completely whilst on statutory maternity pay and my husband isn't a high earner.

You need to be really disciplined to get this paid off, as others have said sky and the phone contracts are the obvious ones to reduce.

Is your gas accurate? We're spending more than that per week at the moment.

Rob5342

You don't actually have to pay the minumum payments. If you went on something like a debt management plan then you would just pay what you could afford. It would affect your credit record but would get it paid off sustainably.

The mobile phones are an obvious area to cut back on. Everything Everywhere are generally the most expensive provider there is, you can get much cheaper SIM only deals with Smarty or other providers, just have a look on uswitch. My daughter has an ID Mobile SIM which is £10 a month for 60GB data.

Sky seems excessive too. You can get broadband with Now TV for £22 a month, and something like Netflix is £11 a month.

savergrant

Here's how you can swap your husband and daughter's phone contracts so you can put her on a cheaper deal.

Firstly explain to your husband that you need to move her sim to his phone to save money but that he will keep his existing number and use her allowance.

Secondly you order a third party (non ee) sim. You can order one for free and get away without topping up if he can cope with replying from a temporary number for a couple of days (her current number), otherwise order a 1pmobile sim and topup £10. Are there any networks which are really bad in your area? O2 and Vodafone will send you a free sim, if it needs to be on ee's signal then try nowmobile.

If he has a dual sim phone he can put the new sim in the 2nd slot of his phone. Otherwise he might need to carry two phones around for a few days.

Day 1 request a pac from his sim

Complete a port-in request to new provider

Day 2 port should go through, calls will start going to the new sim and his old sim will lose network.

Take the old sim out and put daughter's sim in slot 1. Reply to any messages or calls using sim 1 but give out his usual number to contact

Day 3 request a pac from new provider and complete a port-in request to daughter's ee account.

Day 4 port should go through, new provider sim will lose network and daughter's sim will now have his number.

If he really can't cope with having to use a temporary number from day 2 to day 4 you could use a 1pmobile sim and topup with £10 which will be plenty. That way he will be able to use his number the whole time (apart from maybe a few minutes while the port is taking place)

You can then put a new cheaper sim in your daughter's phone.

kimwp

savergrant said:

Here's how you can swap your husband and daughter's phone contracts so you can put her on a cheaper deal.

Firstly explain to your husband that you need to move her sim to his phone to save money but that he will keep his existing number and use her allowance.

Secondly you order a third party (non ee sim). You can order one for free and get away without topping up if he can cope with replying from a temporary number for a couple of days, otherwise order a 1pmobile sim and topup £10. Are there any networks which are really bad in your area? O2 and Vodafone will send you a free sim, if it needs to be on ee's signal then try nowmobile.

If he has a dual sim phone he can put the new sim in the 2nd slot of his phone.

Day 1 request a pac from his sim

Complete a port-in request to new provider

Day 2 port should go through, calls will start going to the new sim and his old sim will lose network.

Take the old sim out and put daughter's sim in slot 1. Reply to any messages or calls using sim 1 but give out his usual number to contact

Day 3 request a pac from new provider and complete a port-in request to daughter's ee account.

Day 4 port should go through, new provider sim will lose network and daughter's sim will now have his number.

If he really can't cope with having to use a temporary number from day 2 to day 4 you could use a 1pmobile sim and topup with £10 which will be plenty. That way he will be able to use his number the whole time (apart from maybe a few minutes while the port is taking place)

You can then put a new cheaper sim in your daughter's phone.

Depending on whose name's the numbers are in, this might involve porting a number in one person's name to another person's name, I'm not sure if that's allowed?

Rob5342

kimwp said:

savergrant said:

Here's how you can swap your husband and daughter's phone contracts so you can put her on a cheaper deal.

Firstly explain to your husband that you need to move her sim to his phone to save money but that he will keep his existing number and use her allowance.

Secondly you order a third party (non ee sim). You can order one for free and get away without topping up if he can cope with replying from a temporary number for a couple of days, otherwise order a 1pmobile sim and topup £10. Are there any networks which are really bad in your area? O2 and Vodafone will send you a free sim, if it needs to be on ee's signal then try nowmobile.

If he has a dual sim phone he can put the new sim in the 2nd slot of his phone.

Day 1 request a pac from his sim

Complete a port-in request to new provider

Day 2 port should go through, calls will start going to the new sim and his old sim will lose network.

Take the old sim out and put daughter's sim in slot 1. Reply to any messages or calls using sim 1 but give out his usual number to contact

Day 3 request a pac from new provider and complete a port-in request to daughter's ee account.

Day 4 port should go through, new provider sim will lose network and daughter's sim will now have his number.

If he really can't cope with having to use a temporary number from day 2 to day 4 you could use a 1pmobile sim and topup with £10 which will be plenty. That way he will be able to use his number the whole time (apart from maybe a few minutes while the port is taking place)

You can then put a new cheaper sim in your daughter's phone.

Depending on whose name's the numbers are in, this might involve porting a number in one person's name to another person's name, I'm not sure if that's allowed?

I don't think it matters. I ported a number in my wifes name to one in my name a couple of months ago, and I've also bought a sim card from ebay so I could choose the number and have ported that to an account in my name too.

savergrant

I don't think it ever asks for a registered name and address, just the number you want to port from snd to and the pac. On one thread someone has posted lyca asking for sim serial numbers as well.