This time I mean it so looking for help

8Kandcounting

As the title says really 
Too much debt (about 8,500 not including mortgage)
Every new year I resolve to pay it off and get some savings instead 
Every end of the year, there it still is
So I’ve started this diary for some support and accountability and advice

So far I have switched £6500 onto a 0% card

Todays plan is to pay car insurance annually with my meagre savings- got a quote a few days ago and it is half what the renewal quote that’s just arrived says 😊
it is depressing spending my carefully hoarded £200 on car insurance but better than monthly direct debits for a £400+ renewal plus whatever interest they sneak on

Next job - need to tackle Sky who are currently taking over £100 a month for broadband, a barely used landline and basic sky TV (no films or sports channels)

Wish me luck

MFWannabe

Just tell Sky you want to leave; check out how much new customers can get it for and also what you can get elsewhere from other providers 
Do you actually need tv or just broadband? 

MFWannabe

I always haggle with Sky via the web chat rather than calling them 

8Kandcounting

Need good broadband connection for work (mainly work from home so this is essential)
TV - mainly watch discovery plus I’ll see if that’s on free view- great idea, thanks 😊

MFWannabe

I’m just changing to their competitor as I got a much better deal and much faster broadband speed and Sky couldn’t and wouldn’t match or come down to same as they offer new customers 🤷‍♀️👋 
Also their new contracts are two years 🙄

8Kandcounting

That’s interesting thanks.  Are you happy to share which competitor? We’ve been with BT in the past and I remember their internet being okay, Virgin I need to check coverage in our area, I think I’ve seen a postcode checker on MSE or somewhere that shows you who offers what speed where
I’m not streaming films and multitasking, just need to manage online meetings smoothly 

MFWannabe

Virgin, you can check on their website if you can get it in your area 
hate BT lol

Sarahwithlove

Virgin are now 2 year contracts as well. Mse does have a broadband deal checker based on speeds you want and postcode. 

Sarahwithlove

Ref discovery plus if you have a smart tv, amazon firestick or roku stick you can pay for it separately and download the app rather than having sky TV. 

MFWannabe

Sarahwithlove said:

Virgin are now 2 year contracts as well. Mse does have a broadband deal checker based on speeds you want and postcode. 

The one I’ve signed up for is definitely 18months 
Everyone needs to do their own research which is best for them