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  • FIRST POST
    • far-sighted
    • By far-sighted 8th Aug 18, 1:46 PM
    • 2Posts
    • 10Thanks
    far-sighted
    bills review
    • #1
    • 8th Aug 18, 1:46 PM
    bills review 8th Aug 18 at 1:46 PM
    I'm actually debt-free, apart from the mortgage, but I'm reviewing bills, to see where I could cut more/switch. I'm only posting the ones that I can change i.e. I'm not in a contract for. This is for one adult and one child living in a 2-br flat.

    e.on - gas & electricity 75 (am I paying too much?)
    Thames water - 21 (is this too much? what do people pay? Not that I can change it.. )
    Vodafone - mobile phone + Spotify, 100 minutes int'l calls, fibre Internet, line rental 60
    giffgaff - SIM-only for my child 5
    First Call - accident, sickness, and unemployment insurance - 35
    Barclays - worldwide travel, 2 mobile phones insurance, RAC breakdown 12
    co-op - contents insurance including home emergency cover 5

    Any thoughts? Especially re: Vodafone, contract is ending soon and I'd like to find a better alt.

    Thanks!
    Last edited by far-sighted; Yesterday at 10:39 AM.
Page 1
    • anna_1977
    • By anna_1977 8th Aug 18, 3:17 PM
    • 729 Posts
    • 991 Thanks
    anna_1977
    • #2
    • 8th Aug 18, 3:17 PM
    • #2
    • 8th Aug 18, 3:17 PM
    The vodafone bill is huge. I'm sure you can get much much cheaper BB than that and then switch to the same 5 SIM only as your child - or a bit more if you need more data. Don't bother with paying for spotify, use the free service
    • Niv
    • By Niv 8th Aug 18, 3:18 PM
    • 1,636 Posts
    • 1,412 Thanks
    Niv
    • #3
    • 8th Aug 18, 3:18 PM
    • #3
    • 8th Aug 18, 3:18 PM
    Regarding Vodaphone. I have BT for 30 pm for fibre, line rental and BT sports. I have giffgaff 7.50 goodybag. I don't know how much international calls mean to you so can t really suggest anything (i.e it means nothing to me - I have WhatsApp )


    I do not know how much Spotify is as a standalone but you could either do that or buy a bigger goodybag and use the free version of Spotify - depends how much you use it.
    YNWA

    Target: Mortgage free by 58.
    • Larac
    • By Larac 9th Aug 18, 3:17 PM
    • 844 Posts
    • 528 Thanks
    Larac
    • #4
    • 9th Aug 18, 3:17 PM
    • #4
    • 9th Aug 18, 3:17 PM
    Regarding Vodaphone. I have BT for 30 pm for fibre, line rental and BT sports. I have giffgaff 7.50 goodybag. I don't know how much international calls mean to you so can t really suggest anything (i.e it means nothing to me - I have WhatsApp )


    I do not know how much Spotify is as a standalone but you could either do that or buy a bigger goodybag and use the free version of Spotify - depends how much you use it.
    Originally posted by Niv
    Spotify is a 10 a month - I pay for my daughters - lot cheaper than buying CD's, downloads (or in my day tapes and LP's!)
    • zippygeorgeandben
    • By zippygeorgeandben 10th Aug 18, 5:52 PM
    • 891 Posts
    • 1,195 Thanks
    zippygeorgeandben
    • #5
    • 10th Aug 18, 5:52 PM
    • #5
    • 10th Aug 18, 5:52 PM
    I pay 9.99 for spotify and think it's worth every single penny. In fact I'd pay more! For me it's the option of downloading and listening to playlists offline (travel a lot on the tube).
    I've found so many new artists/bands thanks to Shazam and Spotify.
    End Sep 2016 End July 2018
    8236.57 0
    (Tesco 4.8%) 0pcm
    6185.75 0 (Zopa 4.0%) 0pcm

    5344.50
    210.04 (Sainsburys 0% until 06/19) 140pcm
    2000.00 0 (Sister 0%) 0pcm

    Total debt
    19.766.82 210.04 Original DFD May 2019.
    • pennystretcher
    • By pennystretcher 11th Aug 18, 10:10 AM
    • 393 Posts
    • 1,453 Thanks
    pennystretcher
    • #6
    • 11th Aug 18, 10:10 AM
    • #6
    • 11th Aug 18, 10:10 AM
    Your gas & electricity is quite high for a 2-bed flat. Have a look in the MSE Cheap Energy Club if you can find a better deal (https://www.moneysavingexpert.com/cheapenergyclub)


    I pay about 40 per month for both (15 for electricity, 25 for gas) and it's for a 3-bed semi.
    • MallyGirl
    • By MallyGirl 13th Aug 18, 4:03 PM
    • 2,875 Posts
    • 7,882 Thanks
    MallyGirl
    • #7
    • 13th Aug 18, 4:03 PM
    • #7
    • 13th Aug 18, 4:03 PM
    is the water metered?
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