Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • trailingspouse
    • By trailingspouse 22nd Dec 17, 11:28 AM
    • 2,680Posts
    • 4,342Thanks
    trailingspouse
    Making savings before it's too late
    • #1
    • 22nd Dec 17, 11:28 AM
    Making savings before it's too late 22nd Dec 17 at 11:28 AM
    I decided to do a full audit of all our expenditure over the last 12 months. This was prompted by the realisation that, although we're still in the black, our savings are much reduced compared to this time last year. I really wanted to know the answer to the age-old question - where does it all go??

    As a result of a lot of number crunching and general faffing on, the end result is a list of things that we need to do next year to ensure that our savings don't disappear completely and we end up in the red. I thought I would share it on here. And if anyone has any better ideas...

    - stop having hair dyed. I started to go grey at 19. Now that I'm 57 I've decided to embrace the grey. This will save about £400 a year.
    - reduce gas and electric usage. We'd got a bit lazy and had it on 24/7 - now it's off from 10pm until 5am (we're up at 6). And the gas fire doesn't go on until the evening.
    - check that we're with the best supplier. We weren't!! Looks like there are substantial savings to be had.
    - I was already an Aldi convert, but tended to go to our nearest supermarket (Sainsbury's Local) for top-up shops. Aldi is only a little further away, so will make the effort.
    - make sure we're using the cheapest fuel locally. We'd got into a habit of always going to the same place, but it turns out it wasn't the cheapest by quite a long way.
    - shop around for the best deals on connectivity - I always feel ripped off by mobile/broadband etc anyway, so I wouldn't be at all surprised if we can get the same deal for less. This is OH's specialist subject, so hoping for significant savings.
    - PayPal. OH seems to have a bit of a PayPal habit. It's hard to say what exactly we've been buying via PayPal, and I'm sure it was all a bargain, but nevertheless an awful lot of money went that way. Needs to be brought under control.
    - cash. I think I very rarely use cash - most spends, even quite small ones, go on the credit card so that I get the cashback. But still, the amount of cash we withdraw seems a lot. Next year I'll start keeping a record of it.
    - buy less wine!!!
    - keep track of the (monetary) gifts we give to the kids. They're all grown up now, all in reasonably well paid employment, and generally heading in the right direction. We need to learn that they don't need us!!
    - keep a lid on what we spend on holiday, particularly on meals out. The last time we were away, we had every meal out apart from breakfast. Some were just snack-type lunches, but even so - it all mounts up. There's no reason why we can't buy some nice bread, some local cheese and some fruit and make up a picnic.
    - have fewer take-aways. We actually don't have that many, maybe one a month - but it would be cheaper to keep a few Chinese-type starters etc in the freezer. And probably quicker than waiting for a delivery!!
    - keep an eye on best before dates - again, I'm pretty good at this, and I wouldn't chuck something out just because it was after the best before date. But still, things need to be used!
    - use up the alcohol we already have!!
    - tumble dry everything in one load. I do a dark wash and a light wash, which is fair enough - but there's no reason why they can't go into the tumble dryer together (I dry them overnight on the radiator first, so the tumble dryer is just finishing them off).
    - reduce waste - what are we throwing away?
    - cancel the Santander credit card - it was worthwhile when we got the full cashback, but now that it's capped at £3 per category, the max you can get is £9 - and there's a £3 fee to take off. So - we'll use the Asda card for everything (0.5% cashback on everything, or 1% on spends at Asda, and no fee).
    - for things I can't get at Aldi, go to Asda to take advantage of the 1% cashback, and also the cheap fuel.

    That's the list so far. It'll be interesting to see where things stand next year at this time. Fingers crossed.
Page 28
    • Spendless
    • By Spendless 26th Feb 18, 8:10 PM
    • 20,142 Posts
    • 33,333 Thanks
    Spendless
    Re tidying daughters bedroom. You're living dangerously there

    I'm in my 60s now - and I can still recall my mother "tidied away" a cheap hairslide a visiting friend left on top of my chest of drawers and, when I asked my mother to give it back (as my friend was asking for it back) she'd thrown it away.

    Well - I'm minus a gold bracelet my mother had passed onto me because of that - as I gave that to my friend as compensation for my mother throwing away her property (I had so little pocket money I couldnt/wouldnt pay for a new hairslide it was my mothers responsibility to pay for - so it had to be my mothers passed-on property then....).

    Also remembers having some of her clothes in half of my wardrobe...

    All these years later - I've not forgotten my bedroom not being treated like my bedroom (ie private and only for my own use)....

    Just a note of caution being sounded here.....
    Originally posted by moneyistooshorttomention
    Her own fault, she'd been asked to do it and her 'version' was the result. Meanwhile we were missing some household items (nothing special just useful) highly likely to be in there, so I went in.

    Don't put anyone else's clothes in there, unless they end up by accident. My Dad used to keep a donkey jacket in my wardrobe. He never wore it and it was bulky and took up space and I used to ask him to move it and he wouldn't. When I got a bit older 17/18ish I moved it out one day into his own wardrobe and told him, it never got moved back to mine. You'd struggle to keep much of anyone else's clothes in DD's wardrobe though.
    • kittie
    • By kittie 27th Feb 18, 9:20 AM
    • 11,991 Posts
    • 75,047 Thanks
    kittie
    I made two unexpected trips out yesterday, about 18 miles in total. While out I got more cash and more treats to stash. I feel better if I have enough in my cash wallet, at least getting one lump of cash helps me to keep track, rather than piffling small amounts hemhorraging away.

    There are no unexpected sums coming my way, all fixed on state pension every monday, small works pension on 18th and a very small extra pension on 26th. I have my fingers crossed for premium bonds at the end of the week. I have my eye on cc increasing, I did buy a few things for dd as she has broken her arm quite badly, needed to send her stuff asap and the quickest was prime, plus I did buy some things for myself earlier on. Whatever, I will pay it all off next monday. This is the march total btw, I don`t like any debt but cc is a safer way to buy online. Then belt tighten as council tax looms again
    • Blackcatsreturns
    • By Blackcatsreturns 28th Feb 18, 5:00 PM
    • 47 Posts
    • 462 Thanks
    Blackcatsreturns
    I have just done my end of month spending totals. I have decided to work my figures on my average monthly spend for last year and aim for a reduction of 10% for this year. So far this year then I have managed nearly a 20% reduction which I am very pleased with but I know that I have some expenses in future months which will make this reduction less.
    I have treated myself to some lovely toiletries in bo*ts which were 3 for 2. It gives me a real boost to have a luxurious shower and use some lovely body lotion so I reckon that is money well spent. I have changed my mobile tariff and should save £20 per month which wasn’t money being well spent.
    Hope everyone is keeping warm.
    • caronc
    • By caronc 28th Feb 18, 5:17 PM
    • 3,793 Posts
    • 24,359 Thanks
    caronc
    Payday for me today for my main income so a couple of hours spent budget shuffling/allocating/paying my credit card bill ready for a spendy March. Thankfully everything balanced at the end, though I do wish British Gas would hurry up and work out my final bill so I know exactly where I am utility payments wise.
    I think my treat for this month will be a small tea pot. The ones I have are all huge and I'd like to move to loose tea. I'm last of the big spenders though as the one I like plus the insert/filter only comes to just under a tenner including delivery
    GC - Feb18 £68/£120, Mar £104/£150, Apr £164/£200, May £96/£120
    GC YTD 2018- £487/£710
    • Blackcatsreturns
    • By Blackcatsreturns 28th Feb 18, 8:39 PM
    • 47 Posts
    • 462 Thanks
    Blackcatsreturns
    Caronc - it is often the little inexpensive things that give most pleasure. I bought 2 mugs from the Poundshop (no prizes for guessing their price) and I love them and always enjoy my cuppa in them.
    • caronc
    • By caronc 28th Feb 18, 9:18 PM
    • 3,793 Posts
    • 24,359 Thanks
    caronc
    Caronc - it is often the little inexpensive things that give most pleasure. I bought 2 mugs from the Poundshop (no prizes for guessing their price) and I love them and always enjoy my cuppa in them.
    Originally posted by Blackcatsreturns
    It is indeed, in the end I swapped the insert for a strainer and it's come in at just under £8 (plus tea of course) but I will enjoy it. My favourite tea mug was a 4 for £2 job many moons ago (at least 15 years)from Matalan. Just the one left now and I will be so sad when it breaks...
    GC - Feb18 £68/£120, Mar £104/£150, Apr £164/£200, May £96/£120
    GC YTD 2018- £487/£710
    • kittie
    • By kittie 3rd Mar 18, 8:12 AM
    • 11,991 Posts
    • 75,047 Thanks
    kittie
    ok I am not going to spend anything and have no forthcoming bills, so it is safe for me to transfer what is needed to completely clear my cc. Just did that and my actual bank acc balance in the current acc is more than on m/s money. I do that deliberately, another safety net, I round expenses up so that the extra cash gradually accumulates and then I will slip it into the bank attached savings account. It is a £40 difference today but I bear in mind that I will have a large electricity bill next time around

    So far so good for march. I intend to use up food stores this month so not going out in the car much, instead am hoping to get into the fresh air on my bike and also on the allotment. I need the exercise after being cooped up
    • tori.k
    • By tori.k 3rd Mar 18, 9:49 AM
    • 3,179 Posts
    • 7,985 Thanks
    tori.k
    Looks like we finally found a house
    So my no spend March is hopefully likely to be expensive, we should find out Monday if the deal can be struck.
    The compromise was on the parking it's a semi detached with garage but in a cul-de-sac on a hill so no more off road parking but plenty of un restricted parking bays, it's mostly older folks so everyone has pretty much claimed there own parking nearest there houses but we have no issue being dotted around in the spares. We plan to drop a car as soon as we can so it's hopefully a shortish term problem, and will try to inconvenience the neighbours as little as possible.
    So I paid the CC off early this month to clear the balance ( makes me less grumpy about his glasses if I'm not looking at the balance )
    A very frugal month planned shopping wise I already have money set aside for the mortgage fees & cost but will have a chunk to pay off for the solicitor for the house that fell through on top. So rather have a little worse case money in that pot, we don't intend to have any debt other than the mortgage I will have white goods and wardrobes to buy with moving but will recoup the cost of these pretty quickly with the saving in fuel and council tax as we would drop from band D to B and save £100 a month in fuel at worse.
    I just so hope this works out, I can't face much more of the house buying stress much longer. If this doesn't work out im taking 6 month break, I get to busy in the spring with work to be adding to the stress.
    Debit to Credit (stage 1) 3652.34 completed 15/10/16
    Debit to Credit (stage 2) 6299.09 completed 25/06/17
    Mortgage Free (stage 3) 140000/ 870
    Save 12k in 2018 #76 3000/6000
    • Blackcatsreturns
    • By Blackcatsreturns 4th Mar 18, 2:01 PM
    • 47 Posts
    • 462 Thanks
    Blackcatsreturns
    Kittie - I have just done my money movement for the start of March. I have been away for a few days so it is a bit later than usual. My timing was excellent as I missed the snow but came home to a very cold house late last night. I took a cup of tea to bed to warm up and had a good nights sleep. I have some money coming in tomorrow which will go to credit card. I accumulated £100 by rounding down from my current account last month so that has gone over to National Savings account where it is out of sight and therefore no temptation to spend it.
    Tori - I hope that the house move proceeds swiftly and smoothly for you. Fingers crossed.
    • kittie
    • By kittie 5th Mar 18, 8:26 AM
    • 11,991 Posts
    • 75,047 Thanks
    kittie
    Tori, I have everything crossed for you, all my very best for a smooth transition

    I have scraped that £40 excess out of current account into bill savings, was very worth rounding up expenses, it added up bit by bit. I need to save another £108 this month to bill savings, to reach my monthly target over the 12 months. I think I will do it, any excess will be real savings ie over and above allowing for bills. Jury is out on that one for this month. I want to swap and change insurances, utilities etc but won`t do that until I find and settle into a new home.
    • Blackcatsreturns
    • By Blackcatsreturns 5th Mar 18, 3:20 PM
    • 47 Posts
    • 462 Thanks
    Blackcatsreturns
    I have just redeemed my free drink from my favourite independent coffee shop. I had a delicious hot chocolate and saved £2.50 and whilst this is not a huge sum of money it represents my new approach to spending and saving. This month is going to be tight money wise if I!!!8217;m going to reduce my spending by the planned 10%. I have had a holiday which has increased my monthly total spend (was worth it). I can make savings on eating out as I spent quite a lot last month in restaurants mostly on mediocre food and overpriced wine. I also have some money accumulated on my CoOp loyalty card which will cover a week of groceries. I shall aim to tighten my belt and complete the first quarter of this year on target.
    • pigpen
    • By pigpen 5th Mar 18, 11:09 PM
    • 36,732 Posts
    • 472,813 Thanks
    pigpen

    'I really loved my children being teenagers' said no parent ever
    Originally posted by Spendless
    Apart from me... we have our moments but we have a laugh and conversations and I love that we can enjoy each others company... 6-13 is THE most horrid age.. whiny and naggy and so demanding and never a minutes reprieve.. And I've had the most evil toddler today.. she is vile when she is hungry or tired.. today she was both.

    I have got to the point with most of mine where I go in their room and absolutely gut them.. I never throw away anything that is not actual rubbish.. but I put things away and they think I threw out loads of stuff. I have just done my 22, 19 and 17 y/o's rooms.. we swapped bedrooms about and so I did the sorting.. Then my 20 y/o mived back from uni so I have lost my front room! at the weekend I am sorting her stuff.. once I have decorated DD3's bedroom.

    They never like it when I am in the process but DD1 (now 24) admits it was lovely and she was very secretly glad I did it because she didn't know where to start.

    I wish my mother would come sort my house!! HAHA!!

    I'm trying for a thrifty month but am, so far, failing miserably. I've spent £150 on decorating materials for the bathrooms and DD3's room I just shifted the 2 piggy boys out of! I need to find a lot of money this year!!

    I have looked at ways to save the cash.. waiting for the mortgage company to sort out my new rate and the payments will be a lot less.

    My budget is becoming more managable but I am pretty desperate for OH to get the job he is qualified for and earn a decent amount more than crappy minimum wage which we cannot live on!

    And I am knitting up my yarn stash.. very very slowly! Scarf anyone?
    LB moment 10/06 Debt Free date 6/6/14
    Hope to be debt free until the day I die
    Mortgage-free Wannabee (05/08/30)
    6/6/14 £72,454.65 (5.65% int.)
    15/05/2018 £53528.71 (2.41% int.)
    • kittie
    • By kittie 6th Mar 18, 7:57 AM
    • 11,991 Posts
    • 75,047 Thanks
    kittie
    I am going to my first viewing today, a new build, small builder, converted from a demo plot, 3rd of 3 bungalows. I had such an adrenalin fuelled re-action when RM sent me the alert and thankfully have calmed down but in the meantime have done a terrific amount of online research. I now doubt that this will be the one for me but it was wonderful to actually get an alert after 6 months of nothing suitable at all. Couldn`t sleep at all last night, whizzy mind and such leg aches as well

    I am very very interested in reading about the savings conundrum at different life/family stages. I think it got much easier when I was on a fixed income but in other ways is harder as there is never an opportunity to increase income and bills keep creeping up
    • Chandelier.
    • By Chandelier. 6th Mar 18, 12:54 PM
    • 628 Posts
    • 1,653 Thanks
    Chandelier.
    Afternoon,

    It's been quite a tough, emotional week here. I've been accepted under the crisis team and hopefully will be accessing the support I need. I have someone coming to visit me this afternoon to do some therapy with me and then I'm hoping to get to the gym and possibly swimming.

    I've had no spends the past four days and all my bank accounts are looking healthy so far. I've nothing much planned for the rest of the week and I'm trying to set aside the time to relax.

    The only plans I have which are not set in stone for the week, is possibly going to Bingo on Thursday night with a friend. That shall come out of the entertainment budget which has been left untouched so far. The only other possible plans I may do with the boy is go to our local theme park on Saturday which we have annual passes for and we'll most likely take a picnic. We may buy a hot drink whilst there but spends will be limited to less then a fiver.

    I'm trying to save as much as possible and cut back where possible although I'm going to treat myself to a new fitness tracker if I can find it at a decent price. My mum and sister both have one and I've been thinking about it for a while and it may motivate me to exercise more.

    I'm hoping to go to the gym at least 3x this week. I managed to go 3x last week so its a start. I'll start small and build it up. I need to book a session with a personal trainer which is free and they make you a programme that you can stick to.

    I've lost 2.5lb since last week. I've snacked less on junk food but I'm still not eating three proper meals a day which I clearly need to so this is something I'll try to work on. I've also cut back on the amount of sugar I have in hot drinks. Its the small changes that matter.
    Check out my Diary
    • mardatha
    • By mardatha 6th Mar 18, 1:14 PM
    • 14,825 Posts
    • 141,491 Thanks
    mardatha
    One thing, being snowed in for a week def helps cut down the spending no post or binmen or school since last Tues. Only one quick trip out to the docs, and more snow this morning covering the road again. Sitting tight and spending nowt here
    • JCS1
    • By JCS1 6th Mar 18, 7:54 PM
    • 3,632 Posts
    • 7,459 Thanks
    JCS1
    Afternoon,

    It's been quite a tough, emotional week here. I've been accepted under the crisis team and hopefully will be accessing the support I need. I have someone coming to visit me this afternoon to do some therapy with me and then I'm hoping to get to the gym and possibly swimming.

    I've had no spends the past four days and all my bank accounts are looking healthy so far. I've nothing much planned for the rest of the week and I'm trying to set aside the time to relax.

    The only plans I have which are not set in stone for the week, is possibly going to Bingo on Thursday night with a friend. That shall come out of the entertainment budget which has been left untouched so far. The only other possible plans I may do with the boy is go to our local theme park on Saturday which we have annual passes for and we'll most likely take a picnic. We may buy a hot drink whilst there but spends will be limited to less then a fiver.

    I'm trying to save as much as possible and cut back where possible although I'm going to treat myself to a new fitness tracker if I can find it at a decent price. My mum and sister both have one and I've been thinking about it for a while and it may motivate me to exercise more.

    I'm hoping to go to the gym at least 3x this week. I managed to go 3x last week so its a start. I'll start small and build it up. I need to book a session with a personal trainer which is free and they make you a programme that you can stick to.

    I've lost 2.5lb since last week. I've snacked less on junk food but I'm still not eating three proper meals a day which I clearly need to so this is something I'll try to work on. I've also cut back on the amount of sugar I have in hot drinks. Its the small changes that matter.
    Originally posted by Chandelier.
    Keep on at the crisis team, you may find they allocate you to be seen by a place but then there is a big wait. Whereabouts in the country are you? There may be some charities who can help out with group meetings whilst you're waiting for NHS........ message me if you want to chat
    • caronc
    • By caronc 6th Mar 18, 8:25 PM
    • 3,793 Posts
    • 24,359 Thanks
    caronc
    Tori good luck with the house and Kittie hope the viewing went well <<fingers crossed smiley>>

    I'm at that point where most of the big bills for March have been paid so my current account is looking somewhat depleted but hopefully I've not missed anything crucial in my planning.

    Shop ordered for this weekend's celebrations and birthday lunch for my Dad next week, my £3 per head for Saturday has more or less came in though required a bit of restraint tweaking as we are now 9 rather than 10-12 and I still want to cook the same menu.

    A couple of extra unplanned spends by way of taxis that couldn't be helped and were paid from in cash already in my purse though I did have to visit the ATM to make sure my (small) cash store didn't get overly depleted.
    GC - Feb18 £68/£120, Mar £104/£150, Apr £164/£200, May £96/£120
    GC YTD 2018- £487/£710
    • lessonlearned
    • By lessonlearned 7th Mar 18, 12:17 AM
    • 9,969 Posts
    • 62,254 Thanks
    lessonlearned
    Hello everyone.

    I am back from my Amazon adventure and ready to pick up the savings baton again.

    I had the most wonderful time, saw lots of wild life, flowers, birds, and of course millions of trees - the trees were stunning, so tall. And not forgetting the insects. I took every precaution I could think of and only ended up with three small mozzie bites, which is amazing for me because they usually feast on me.

    We were very fortunate with the weather, despite it being the rainy season we saw very little rain. Just one spectacular rain storm when we were nice and dry on the ship. I did find the humidity exhausting but I expected that. It was much more pleasant in The Caribbean on the way back.

    Anyway I am back and ready to start my savings journey. I need to replenish the war chest.....especially as I am now faced with the prospect of a huge dental bill. I have also booked a trip to Iceland next year - weather wise one extreme to another. So I really need to tighten the belt and get serious about saving.

    Let the frugality begin.

    So this month I intend to rejig everything, look at switching banks and savings accounts. I want to try and squeeze every last penny out of the banks. I am going to play them at their own game and milk their deals.

    I have been very good so far this year and not bought any clothes or anything new for the house. I intend to try and not buy New clothes or shoes this year, other than underwear as needed.

    I was offered a job before I went on holiday but I have decided not to accept. Instead I have decided to go back to college to refresh and update my qualifications. Then I can go self employed as a complimentary therapist. Luckily the course is government funded so I have nothing to pay other than books and any course materials.

    It is a long term strategy (well more of an outright gamble really) but hopefully one that will pay dividends, both financially and in terms of job satisfaction. I did enjoy my old line of work, selling houses for property developers and it was financially rewarding. But, it was very stressful and although it was lovely in summer it could be extremely cold in winter. I am not sure my old bones could cope now. As a therapist I will be able to work from a nice cosy treatment room - much more comfortable.

    Being self employed will give me more flexibility, I can choose how much I want to work. I am 66 and drawing all my pensions and have enough income to meet my needs. I do not have to earn a full time wage but some extra income would come in handy. The extra will fund my travel adventures and will also help me put something aside for my real old age.

    So......it all starts now. The bills are paid, the freezer is full and I have a full tank of petrol so hopefully not much spending this month. I am aiming to keep it down to £100. Here goes.......

    I have only read the last couple of pages so forgive me for not commenting on everything but I would like to wish Kittie and Tori good luck with the house moves.
    Last edited by lessonlearned; 07-03-2018 at 12:25 AM.
    • kittie
    • By kittie 7th Mar 18, 7:10 AM
    • 11,991 Posts
    • 75,047 Thanks
    kittie
    LL, welcome back and I am glad to see that you have more nice things to look forward to

    I am going to be helping a dd financially, out of my base savings pot. She is going to be hitting a bad pinch point ahead and has no scope to prise herself out. I am so pleased that she thought to chat to me, very difficult for a proud professional to do. She uses a spreadsheet and they have a very difficult decision to make soon, involving grandchildren. They need to make the right decision and this will be the one involving my help. I can help and I will. No point when I am dead and it is too late. She couldn`t sleep last night but I have just told her and hopefully taken a burden from her. It is what families do

    My aim over the next year is to get a new house, sell mine and get an annuity to give me some more fixed income for the rest of my life. I want to end up with an amount that will allow the flexibility of paying all bills and make some savings for holidays and so on. I do have a base sipp, one I managed for dh since 2006. It is being depleted to an extent to help fund my house but there will be enough left for any emergency medical problems and potential care if needed. I am hoping to get back to actively managing it, to make it grow again, to hand it down to children and grandchildren.
    Last edited by kittie; 07-03-2018 at 7:17 AM.
    • pigpen
    • By pigpen 7th Mar 18, 8:43 PM
    • 36,732 Posts
    • 472,813 Thanks
    pigpen
    How depressing is it when every penny that enters the bank account is long since accounted for? I have today spent a small fortune on food, bills and paying for the holiday in August.. We would be screwed if OHs mother was not helping us out.

    I have cleared a carrier bag worth of ebeast sales though which is nice.. I have less stuff in my house! That is a win and that money is going towards paying off ... the gas bill!! My life rocks!

    I have sent an enquiry about doing a course at the college starting in September.. My baby starts nursery in September 2019 so I need something to focus my tiny brain .. It is a part time course, mainly evenings so I can fit it in if I try.
    LB moment 10/06 Debt Free date 6/6/14
    Hope to be debt free until the day I die
    Mortgage-free Wannabee (05/08/30)
    6/6/14 £72,454.65 (5.65% int.)
    15/05/2018 £53528.71 (2.41% int.)
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

50Posts Today

3,172Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line? https://t.co/kwjvtd75YU

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin