tips that dont affect credit history?

RAS

What exactly is this £200 allowance?

And even if it all comes out of the allowance, you need to budget both for the income and the expenditure.

madkitty

its the £200 a month I have left myself out of my income to pay for petrol, food and any bits I need

RAS

OK, so not income. Where does food come from?

Also, rather than relying on mum to pay for your car expenses, you need to budget for each one every month, pay that amount into a savings account, so you can pay it out when it is needed. You will cut costs that way.

Re the car insurance, check with the insurance tab on the main web-site, go to the comparision sites and change via www.quidco.com or another cashback site.

Ring up O2 and ask if you can reduce your package, most allow this after a fw months.

otherwise, see if you can get a package rather than paying for separate internet, phone etc.

madkitty

I would love to with the car but until I get the debts down then i cant do that from out of my £200 as £80 of that alone is petrol!

the car insurance is definitely the cheapest - due for renewal in july but I always hunt around alot for the best again using quidco.

I could reduce the package with O2 but I am getting cashback so overall it works out a good deal. If I reduce the package it stops me being able to claim this.

food comes out of the £200 but I eat very little and prob only spend about £10pw

duchy

Instead of a Blockbuster membership take a look at the cashback sites and see who is doing free trials (Lovefilm etc) and spend the next few months using up all the free trials you can-chances are once you cancel some of them will offer you special rates that you could activate once you've used up all the freebies.Quidco money goin g to debt overpayments as well as the B lockbuster money of course
I thought I couldn't live without Sky 1 either but when it went from V irgin I refused to pay for a B T line so did without and after a few weeks found I didn't miss it at all-however if you REALLY can't.......check with Sky for their broadband package-it'll be cheaper than what you are currently paying if you combine Sky and internet into one package.

taxi73

I can save you £7.50 p/m not a lot but it can be paid to something...you have an o2 contract so you can get their BB 8meg package for £7.50 p/m....it's good as i'm on it and thats permanently £7.50 not just a 3 month deal....it adds up over the year.

taxi73

Wheres council tax and tv licence?

madkitty

thanks I didnt know that about O2 - did you have any problems signing up as Im always wary of cheap deals.

ooooops sorry I missed them out - council tax is £83 and tvlicence £10

Nessa56

Hi,


you pay sky £31

I had sky and ditched it.

Kept the box and you still get loads and loads of channels on it that you can watch - costs you nothing not even the money for a freeview box.

Worth a try?

thanks

v

madkitty

I didnt think you could do that anymore? I pay that much as I have HD - I know what youre going to say but I still like having the odd treat and I dont expect to be in debt longer than 18 months anyway