Great spreadsheet.
Am in the frame of mind at the moment to save some money. Have just saved 120 per year by switching broadband - 60 per year on bin charges - just by phoning around. Have also registered with Board Gas for electricity for the big switch.
Next steps will be VHI (currently on Plan B options) - and also my gym (65 per month)
Will have to look at food shopping as well (no more running to M&S for lunches) or going to the local shop to pick up stuff for tea spending 10-15 a night.
Intend paying more off my mortgage and also saving more, cutting my personal spending.
I was speaking to a friend recently who is in a poor financial state due to job loss, etc and have to say it made me realise how lucky I am and how much I am squandering on rubbish.
Am in the frame of mind at the moment to save some money. Have just saved 120 per year by switching broadband - 60 per year on bin charges - just by phoning around. Have also registered with Board Gas for electricity for the big switch.
Next steps will be VHI (currently on Plan B options) - and also my gym (65 per month)
Will have to look at food shopping as well (no more running to M&S for lunches) or going to the local shop to pick up stuff for tea spending 10-15 a night.
Intend paying more off my mortgage and also saving more, cutting my personal spending.
I was speaking to a friend recently who is in a poor financial state due to job loss, etc and have to say it made me realise how lucky I am and how much I am squandering on rubbish.