Newbie alert!! All help & advice welcome!!

kirsty24

Hi, Thanks for your reply. I think I may be able to cancel the phone insurance. Unfortunately not sure if I can cancel the phone contract (although I didn't actually sign anything I don't think as it was done over the phone). As for haircuts - my best friend is a hairdresser so (bless her heart) no costs there. My house is owned by the council so I don't need buildings insurance, I had contents insurance but it proved to be a waste of money cos they refused to pay out on the 2 claims I made (correction tried to make). Childcare fees for my youngest should have been in there but Silly me I forgot to put them on the list along with my eldest daughters ballet fees. They total £50pcm. Doctors, dentists, family days out, eating out, what's all that LOL??? I have breakdown cover but it's through my insurance so already accounted for. Car repairs and road tax tend to catch me out cos that's one just some of the thing I've never learned to budget for. As for christmas and birthdays everyone knows I'm skint so lucky for me no-one ever expects much lol.