Boring Diary

[Deleted User]

I actually think things do not look too bad. Perhaps cut back entertainment budget for a  months to say £200 a month. If you use the Virgin media and everything keep it, especially as you are going out less!
I wouldn't worry too much about the gas and electricity especially if those amounts get you into credit for the winter months. People on here sometimes underestimate how much a typical person spends on energy.
So with a little bit of tweaking you could increase debt repayments to maybe £450 a month. Give yourself say 15 months to pay it off.
I would possibly  increase holiday budget once Emergency fund is up to say £2500. We all need a break.
I assume you do not drive. Why are the £300 monthly savings not accessible? Just being curious.
Using that £300 a month in another way could make a difference to being debt free more quickly. Is that £300 for a pension payment maybe?

Sarahwithlove

With virgin if you are out of contract then actually leave, you have to give 28 days notice anyway where you can change your mind. But within 24 hrs of cancelling the retention team had rung me and offered it at less than what my previous offer was. It may also be worth looking at how high pace your broadband is as if it's just you then you don't need ultra fast speeds. There 100 package should be more than sufficient 

HeavyMetalFan

[Deleted User] said:

I actually think things do not look too bad. Perhaps cut back entertainment budget for a  months to say £200 a month. If you use the Virgin media and everything keep it, especially as you are going out less!
I wouldn't worry too much about the gas and electricity especially if those amounts get you into credit for the winter months. People on here sometimes underestimate how much a typical person spends on energy.
So with a little bit of tweaking you could increase debt repayments to maybe £450 a month. Give yourself say 15 months to pay it off.
I would possibly  increase holiday budget once Emergency fund is up to say £2500. We all need a break.
I assume you do not drive. Why are the £300 monthly savings not accessible? Just being curious.
Using that £300 a month in another way could make a difference to being debt free more quickly. Is that £300 for a pension payment maybe?

Yes I like to build up some credit for the G and E in advance of the two big bills.

Good suggestions thank you 👍🏻

The £300 is not totally inaccessible but it’s deliberately difficult to access. The only time I would use it would be if I had no other funds to pay my mortgage. 

HeavyMetalFan

Sarahwithlove said:

With virgin if you are out of contract then actually leave, you have to give 28 days notice anyway where you can change your mind. But within 24 hrs of cancelling the retention team had rung me and offered it at less than what my previous offer was. It may also be worth looking at how high pace your broadband is as if it's just you then you don't need ultra fast speeds. There 100 package should be more than sufficient 

I’ve been on the phone to Virgin after work - they’ve offered me faster broadband and all Sky Sports channels…….for £106 😂

Sarahwithlove

HeavyMetalFan said:

Sarahwithlove said:

With virgin if you are out of contract then actually leave, you have to give 28 days notice anyway where you can change your mind. But within 24 hrs of cancelling the retention team had rung me and offered it at less than what my previous offer was. It may also be worth looking at how high pace your broadband is as if it's just you then you don't need ultra fast speeds. There 100 package should be more than sufficient 

I’ve been on the phone to Virgin after work - they’ve offered me faster broadband and all Sky Sports channels…….for £106 😂

You need to cancel it. The normal team can't give it to you as cheap as retention team. The lady I spoke to basically told me that. So give notice, if they don't call you then you can always call back and change your mind. Nothing to lose. But I saved about £25 a month in the end 

MFWannabe

Sarahwithlove said:

HeavyMetalFan said:

Sarahwithlove said:

With virgin if you are out of contract then actually leave, you have to give 28 days notice anyway where you can change your mind. But within 24 hrs of cancelling the retention team had rung me and offered it at less than what my previous offer was. It may also be worth looking at how high pace your broadband is as if it's just you then you don't need ultra fast speeds. There 100 package should be more than sufficient 

I’ve been on the phone to Virgin after work - they’ve offered me faster broadband and all Sky Sports channels…….for £106 😂

You need to cancel it. The normal team can't give it to you as cheap as retention team. The lady I spoke to basically told me that. So give notice, if they don't call you then you can always call back and change your mind. Nothing to lose. But I saved about £25 a month in the end 

This ☝️ 
Did you say you wanted to cancel? If not they won’t offer you anything 

HeavyMetalFan

MFWannabe said:

Sarahwithlove said:

HeavyMetalFan said:

Sarahwithlove said:

With virgin if you are out of contract then actually leave, you have to give 28 days notice anyway where you can change your mind. But within 24 hrs of cancelling the retention team had rung me and offered it at less than what my previous offer was. It may also be worth looking at how high pace your broadband is as if it's just you then you don't need ultra fast speeds. There 100 package should be more than sufficient 

I’ve been on the phone to Virgin after work - they’ve offered me faster broadband and all Sky Sports channels…….for £106 😂

You need to cancel it. The normal team can't give it to you as cheap as retention team. The lady I spoke to basically told me that. So give notice, if they don't call you then you can always call back and change your mind. Nothing to lose. But I saved about £25 a month in the end 

This ☝️ 
Did you say you wanted to cancel? If not they won’t offer you anything 

I actually rang up to activate a new router and asked them what they could offer. They’re ringing back Monday so I’ll cancel then. 

HeavyMetalFan

I have just cleared the balances on my two lowest credit cards but I haven’t included them in my SOA or signature so no visible progress to report.

Lonelygambler

Well done on clearing the balances, I'm sure that felt good. 

Have you closed the accounts?

HeavyMetalFan

Lonelygambler said:

Well done on clearing the balances, I'm sure that felt good. 

Have you closed the accounts?

I haven’t closed them yet. I will but there is no need to rush as I don’t have any temptation to use them.