helllllllllllp

bigunfromwigan

no they are not arrears there are debits and the direct debits have increased

bigunfromwigan

thanks for the welcome and believe me i am full of stupid questions...lol

maisiegirl

Hello all,

I don't know if this is the best thing to do but here goes anyway.

I'm bigun's friend and directed her to this site, I'm talking to her on msn and she's a bit flustered at present and knows I'm posting this.

The utility bills are to catch up because the direct debits weren't covering the bills, she can't change supplier because of this but is give monthly meter readings to keep an eye on usage and will look at changeing supplier when she can pay the balance.

The phone bills are huge but does include a virgin phone, telly and internet package ( she's split the cost between phone and internet)

There is 2 adults, 3 children and a number of pets in the family. The house is ex-council and has been re-mortgaged to consolidate, it still falls into the paying back timescale.

HTH

H

sparky0107

bigunfromwigan wrote: »

hello mancbird thanks for the info and i am glad i am not alone and everyone is being really patient with me i will take on board what you have said and will look at other sites to see whats on offer. Thanks again

hiya bigunfromwigan,
Welcome to the DFW You'll get some excellent help and advice here. When you do go looking for cheaper phone/broadband/gas & elec, don't forget to go through one of the cashback sites like quidco, I done this for home/buildings & car insurance (x 2) and will be getting £280 back plus saving over £500 in insurance costs. Quidco charge an admin fee of £5 per year which they take from your first earnings.

Here is the link if you want to take a look http://www.quidco.com/

Good luck kid

Numpty_Monkey

Have you tried switching providers?
I can't honestly say how much it costs to run a family home (i'm on my own) with gas and elec

Ican't do fancy links but this is a link to Martins article about switching
http://www.moneysavingexpert.com/utilities/you-switch-gas-electricity

sparky0107

maisiegirl wrote: »

Hello all,

I don't know if this is the best thing to do but here goes anyway.

I'm bigun's friend and directed her to this site, I'm talking to her on msn and she's a bit flustered at present and knows I'm posting this.

The utility bills are to catch up because the direct debits weren't covering the bills, she can't change supplier because of this but is give monthly meter readings to keep an eye on usage and will look at changeing supplier when she can pay the balance.

The phone bills are huge but does include a virgin phone, telly and internet package ( she's split the cost between phone and internet)

There is 2 adults, 3 children and a number of pets in the family. The house is ex-council and has been re-mortgaged to consolidate, it still falls into the paying back timescale.

HTH

H

What a good friend you are hun, well done, we need to get as many of our friends onto this site to help as many as possible be DFW

bigunfromwigan

hello sparky i know all about quidco used it for my car ins and got £42.50 cash back so without a doubt i will be going through them for all my other things too.

Deep_In_Debt

As smashed said, there is no such thing as a stupid question. Welcome. I'm new too and everyone is here to help. I'm no expert tho.

bigunfromwigan

hello i dont feel quite alone anymore thanks

sparky0107

bigunfromwigan wrote: »

hello sparky i know all about quidco used it for my car ins and got £42.50 cash back so without a doubt i will be going through them for all my other things too.

Good for you kid,
We got £100 each for car insurance & £80 for buildings & contents, also DW got £50 for opening up (and using) an Alliance & Leicester account.
:T :T :T