Hi Citygirl, There's alot more experts than me on most of your bills but I would point out two items where I have some experience. Firstly your UPC if that's right at 85 euro's your overpaying. I have digital TV and internet with them and I pay 40 euros a month.. I rang them up a year or two ago and threatened to cancel and they knocked loads off. Secondly the life assurance you have the extra illness cover attached. I'd be inclined to either get rid of that extra cover or check out the cost of two separate policies.
+1 - Have not paid out anything on waste in the last 6 years. Recycle everything - and local recycle centre doesn't charge.Also - your spending 260 a year on waste which works out at about 5 euro a week which is not bad. It costs 3 euro in my location to enter the recycle centre. They take as many bags as you can fit into your car. Would you consider - using this alot more and try and reduce the amount you spend on waste ? I spend about 40 euro a year on waste - thats between me and my 2 dogsI have 2 bins in the kitchen - one for recycle and one for normal. I have about 6 dif bins in the shed so that I can sort the waste out. I buy a 3 euro yellow bag about once every 2 months or 6 weeks.
OP has already ID'ed this as an option to consider.Spear said:Do you really need 2 cars?
+1 - A lot of the time, people spend more of their time viewing the free to air channels anyway.so-crates said:Also do you really need either UPC or Sky? Why not just avail of the free to air?
Clear the credit card debt - it's ultra expensive.Citygirl said:Savings 4500.00 bank account & credit union
Credit Cards
2500.00 outstanding
Substitute where feasible with skype/blueface/voip.Citygirl said:Phone bill 130.00 2 adults and teenager
Hi Nicole
I managed to save 1000 in August but then back to school cleared a good chunk of this and then we had emergency repair work to our house do am back to the start. But the bright side is I didn't dip into our savings. I will try and save in September maybe not as much as we need to enjoy life too!!
Finally, I would recommend reading The Total Money Makeover by Dave Ramsey as the advice is simple to implement and very effective.
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