My first ever SOA - never had the courage to post it before.

GeekieGirlie · 3 February at 1:44AM

https://forums.moneysavingexpert.com/discussion/comment/81867506#Comment_81867506

Thank you. Yes the internet I’ve been looking into today as I can’t lower the one I have they won’t let me. So found a cheaper one without a tv package that will save me so much. The mobiles I planned to sort soon as out of contract just got to wait though for that.

Yes I will be discussing board with the one in the apprenticeship as well and get them starting with that.

GeekieGirlie · 3 February at 8:29AM

Thank you everyone for all the suggestions.

Just had a thought, so I am going to switch my broadband over to Vodafone I can get it a lot cheaper than I was paying with BT. They will do a credit check all these suppliers though I presume? Which i will never pass with defaults. Will it be a hard check they do? Concerned now I won’t be able to change it as won’t pass checks with anyone.

elsien · 3 February at 9:56AM

A quick Google, so accuracy can’t be guaranteed, says that Vodafone do hard credit checks for phone contracts but less likely to do so for standalone broadband.
Possibly because just with broadband, you’re not going be running off with their latest very expensive iPhone.

saajan_12 · 3 February at 11:38AM

https://forums.moneysavingexpert.com/discussion/comment/81864724#Comment_81864724

Put another way, middle child has £980 disposable income, while you have £-10. Low wages are a problem in relation to high living costs, but theirs is near £0. I'd be expecting a minimum of £200 from each of them. That's not 'mean' for charging them, that's teaching them to budget which will leave them far more prosperous in 10 years time than an exta few £ now.

For the sake of 4 months before exams, I perhaps wouldn't hit up the youngest, but I'd be making it very clear they need to contribute the same from week 1 of summer holidays.

Mobile phone............................ 180 contracted until December then can lower it. I pay for two of the children’s phones plus mine.
TV Licence.............................. 15
Internet Services/TV subs....................... 101

I know you're going to look to change these, but just to avoid in future. £60 a month or £2000 in 3 years is a crazy amount on likely top of the line phones and/or huge data packages, for everyone. £101 on telecoms is one of the higher packages and/or not looking at it and letting it roll. You can get 90% of the functionality and enjoyment from 20% of that cost. Use existing phones with sim only, decent £2-300 phone from a couple of releases ago not the latest, religiously use wifi whenever available and lower the data package, etc.