I want to believe I can do this!

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  • LexieLou
    LexieLou Posts: 714 Forumite
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    can't help you, where I live, our car insurance is horrific, I pay £46 a month and I'm in my 40's

    All you can do is call them and ask questions, have you called your own company and told them what you can get elsewhere? They might price match

    LL xx
    £38,000 and change to £0
  • enthusiasticsaver
    enthusiasticsaver Posts: 15,620 Ambassador
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    It is cheaper to pay car insurance annually if you can manage it. My last car insurance payment was £188.54 which included breakdown cover with homestart through Saga. For comparison though I am in my 50s and the car is worth around £8-10k now. Low crime area though so maybe that is why it is so cheap plus having maximum no claims and no commuting cover any more as I am retired.

    Asking your own company to price match is a good idea. Look at what type of cover you get but if fully comprehensive then I would go for the cheapest.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
  • pidge04
    pidge04 Posts: 792 Forumite
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    Thanks! Very helpful!
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • abba1772
    abba1772 Posts: 7,746 Forumite
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    Hi pidge :hello:

    Just finished reading your diary

    First of all well done on having your lbm and secondly what a fantastic amount of money to clear so far you're doing great

    You're allowed to have wobbles every now and again as tbh it gets to the best of us on our debt free journey

    But the most important thing is to keep going and give yourself the credit you deserve xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • pidge04
    pidge04 Posts: 792 Forumite
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    LexieLou wrote: »
    can't help you, where I live, our car insurance is horrific, I pay £46 a month and I'm in my 40's

    All you can do is call them and ask questions, have you called your own company and told them what you can get elsewhere? They might price match

    LL xx

    I had no idea I could do that! Thanks LL!
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • pidge04
    pidge04 Posts: 792 Forumite
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    abba1772 wrote: »
    Hi pidge :hello:

    Just finished reading your diary

    First of all well done on having your lbm and secondly what a fantastic amount of money to clear so far you're doing great

    You're allowed to have wobbles every now and again as tbh it gets to the best of us on our debt free journey

    But the most important thing is to keep going and give yourself the credit you deserve xx

    Thank you so much!
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • pidge04
    pidge04 Posts: 792 Forumite
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    There is nothing I like more than editing my signature here! Loan payment out today. One more payment away from entering the £4000s!
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • pidge04
    pidge04 Posts: 792 Forumite
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    Home to a letter saying I’m owed £18 tax ... every little helps!
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • pidge04
    pidge04 Posts: 792 Forumite
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    Cannot sleep for fretting about money. My thoughts have turned to Christmas and how ludicrously expensive that can be. According to my spreadsheet, I have the grand sum of £90 to spend on Christmas. Am heartened by the success of DD’s £37 birthday party. How are you going to be doing Christmas this year?
    I have enough random cards around so I can use those up. Last year I gave family cards to my mum and I think she put them inside hers and sent them.
    I will be knocking our advent bags on the head this year with a small gift inside. Tree was ridiculously expensive last year at £45. Will not engage with Secret Santa at work or any kind of work socialising. Planning on going to my parents for Christmas Day this year after 2 miserable Christmas Days at home with my husband who does not celebrate Christmas.
    Will buy presents for mum and DD only. I really massively enjoy panto - I can get family specials for DD and I for £10 each. Last year I did a Christmas spreadsheet- I will look at that again for spends which can be eliminated. Less is most definitely more. The simpler the better.
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • abba1772
    abba1772 Posts: 7,746 Forumite
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    I tend to start my shopping at the end of August just picking up bits along the way as most shops have sales to clear space for the Xmas stock coming in

    So far I've put a deposit on a keyboard in our local cash converters so need to pay this up by the 8th December for my daughter should have been £200 but they were selling it for £50 so I've only got £40 to go :D

    Also I got my son a superhero figure reduced in Tesco

    We are having Xmas at home family members will bring the food they want to bring so hopefully we will get a full Xmas meal out of it hehe xx

    I've not got as much as I usually have at this time of year but I'm concentrating on getting my credit card to zero then I'll deal with Xmas properly
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
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