We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
After Advice Please
Comments
-
Positive indeed. What next?
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]1 -
Well done. Keep going.
Keep posting also if you find it helps.
Every little helps.
0 -
build up an emergency fund to avoid using credit in future.
Also how much do you guys set aside as spending money each month and how much do you spend on food shop a month?
0 -
Everyone is different but we have £500 per month for groceries and I set aside £50 for myself a month. But things like car costs, mobile phones, etc are accounted for elsewhere.
Emergency fund is a great idea.
My Debt free diary
https://forums.moneysavingexpert.com/discussion/6492297/10-000-steps-1-step-at-a-time0 -
£50 - you cant get a lot for that these days… i assume like days out are accounted for though right? thanks for replying
0 -
I found out my wife's person bills and couldnt believe her phone contract is £86 a month - thats the phone and data - is there any way she can get out of this at all?
0 -
Any more info
Which provider, how long is the contract?
Is this including a new phone, if so what type?
0 -
O2, iphone 16 pro max, 36 months. until July 2028
£850 to pay off the contract. was thinking get a loan for £48.74 for 2 years.
then get a sim only deal around £15
£63.74 alltogether - still a savings i suppose
0 -
Yes as you say still a saving.
The phone still has to be paid for.
But instead of a loan, could you consider the following,
- Sell something
- Interest free credit card
- Don't forget cashback sites even for SIM only deal
0 -
sell something like what?
0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.8K Banking & Borrowing
- 254.9K Reduce Debt & Boost Income
- 456.1K Spending & Discounts
- 248.3K Work, Benefits & Business
- 605.9K Mortgages, Homes & Bills
- 179K Life & Family
- 263.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.7K Read-Only Boards