Feels like I'm naked

yeslek

are the contacts monthly pairs?
as you can get monthly pairs, coloured for like a tenner so i'd expect the standard ones to be a little cheaper
might be worth a look, there are some good ones via quidco that i've used in the past and have had no issues as yet *touch wood*

also, do you have PPI on your loan, cos you may be able to get that removed thus lowering the total payback amount
there are some PPI re-claim threads on here, they give you templates and advice to see if your eligable to re-claim like

painted_lady

Hi, the first things that spring to mind with me are
- cheaper contact lenses online, I got toric ones for £6.50 a month last year, was paying £20 with optician
- gym - I think you know what to do! Go for a walk, run or get a bike on freecycle/ebay. We got a weights set for free off my brother
- buy to let - I have 2 buy to let properties, are you tied to a contract with letting agent? If not, £60 a month saving there instantly.

Needcash_3

debrag wrote: »

£350 -
Food = £
Petrol = £
MOT = £ - when do it get paid?
Tax = £ - same as above
Social life = £
Clothes = £
Car repaires = £

EDIT - take the £50 out of the £350 and have it down seperately

This is better than therapy !!

Needcash_3

Rent £750
Council Tax £89
Mortgage £887.09
Life Assurance £27.47
Powergen (Gas & Elec) £46
TV licence £11.37
British Gas Cover £21
Gym £56
Water £6.48
TMobile £20
Contact lenses £18.5
Land line £ 15
Sky £19
Annual Bills (Car Service, car MOT etc) £50
Food £25
Petrol £20
Socialising/ Toiletries £25
Holidays (to ISA) £50
M&S Credit Card (£900 owed) (APR 4.9%) £100
Loan (£7k owed) (APR 6.9%) £168.54
Car Loan (APR 7.0%) £172.95
RBS Credit Card (£2000 owed) (APR 0% until April 2008) £50

Income: £2,942.54 Outgoings: £2,908.04

Any advice on how to further breakdown/ clarify?

lindens

Also have you played around with the snowball, i think its whatsthecost.com.
you can play around with your debts and APR's and see what difference you get by paying off higher interst sooner.

yeslek

min payments?
do you have PPI?

Needcash_3

lindens wrote: »

Also have you played around with the snowball, i think its whatsthecost.com.
you can play around with your debts and APR's and see what difference you get by paying off higher interst sooner.

Ah, cool ... was wondering where to find that .. will have a look ... thanks

Needcash_3

yeslek wrote: »

min payments?
do you have PPI?

Min payment on M&S is £23.36 ... so I'm really overpaying on that ... RBS is about £50 ish (don't have paperwork with me at work) .... Is PPI loan insurance? If yes, then no, I don't have any payment protection ... not even on my car loan ....

Just sent an email to cancel my gym membership - thanks all ... have to give 3 months notice though :mad:

debrag

£25 a month on food :eek:

immoral_angeluk

Rent £750 Would renting a cheaper place be an option?
Council Tax £89
Mortgage £887.09 Would selling up be an option? Would there be equity?
Life Assurance £27.47 IS this the cheapest you can get?
Powergen (Gas & Elec) £46
TV licence £11.37
British Gas Cover £21 Have you ever used this, is your boiler old? If not, cancel.
Gym £56 Cancel and get an exercise bike off freeview or take up a sport
Water £6.48
TMobile £20
Contact lenses £18.5 Get glasses? That'd save you £18.50 a month... (can you tell I wear glasses? )
Land line £ 15 What about your internet costs?
Sky £19 If you're not in a minimum term, cancel and go freeview. Same crap on but it'll save you £19 a month
Annual Bills (Car Service, car MOT etc) £50
Food £25
Petrol £20 if you're hardly using the car is it worth having? Would public tranport be cheaper? Think of the money you'd save if you got rid of the car..
Socialising/ Toiletries £25
Holidays (to ISA) £50 I would suggest stopping this until you are in a better position to be able to afford a decent holiday.
M&S Credit Card (£900 owed) (APR 4.9%) £100
Loan (£7k owed) (APR 6.9%) £168.54
Car Loan (APR 7.0%) £172.95 How long left on this?
RBS Credit Card (£2000 owed) (APR 0% until April 2008) £50 What will the APR be when the 0% runs out?

Income: £2,942.54 Outgoings: £2,908.04