credit cards and utilites! Fugal questions!

Wednesday, 20 July 2011

credit cards and utilites! Fugal questions!

The time is nearly upon me to switch utility companies and also credit card!

Utilities!

I am due to have gas central heating fitted soon. ( Not that bothered about it to be honest but its through a gov scheme so will cost very little). I have a few questions.

given that I am a skin flint and only spend £68 on electric each month could I potentially use/ spend about the same on dual fuel? ie Gas and electric. Am thinking £ 40 pcm Gas and 30 on Electric.

I will be shopping around for the best deal naturally and have used uswitch to identify some potential but given that I will have Gas its a new territory for me.

I hardly heat water but do use a dishwasher (my indulgence), only ever use washing machine at night when its cheap electricity , only heat thhe room that I am using/intend to use as I have storage , go to bed early etc etc etc I have an electric shower.

What do you reckon Frugal folk??? Am I under estimating useage now that I will be changing to dual fuel???

Credit Cards - am I right in assuming that barclay card may be the best one at the moment?

1 comment:

Rebecca22 July 2011 at 00:07
I think that gas central heating is supposed to be cheaper than storage heaters and your estimate as to what you will spend sounds about right. Do you need a credit card? I know that they can be handy to have but I guess I would not have one if at all possible x
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Why do I Blog!

Well primarily for me its a cathartic get it off my chest / a means to organise thoughts / to take stock. A journal that in 2012 has an interactive ' Dear diary' that is vast.

I don't write to share wisdom. Have very little of that. I don't claim to have an aspirational lifestyle of any kind. I dont write for it to be read even. If it is and my mad mixed up life interests people, makes them laugh, is a bit of a soap opera, whatever then that's great. Blogging - a bit of an affirmation of real life life choices maybe....

Sometimes my blog brings order and reflection to the real world. Sometimes Blogland folks share pearls of wisdom which is very very cool! :-)

I ve gained a great deal from reading other peoples blogs. Different ways of life are always interesting. I don't get involved in giveaways or stuff like that. I think its lovely though. Am pants at choosing gifts and it would give me no end of nightmares.

I read blogs before I blogged. Some people share so much and through reading I have learnt a great deal.Practical and otherwise.The tips are fantastic for frugal stuff. As are the stories of strangers lives. INSPIRATIONAL and all wonderfully different.

I m a bit of a roller coaster girl up and down. The blog keeps me more train like. Also an outlet for the negative stuff. A bit like wind. And by that I mean the gaseous stuff. BETTER OUT THAN IN. My blog is then a load of old fart.....this amuses me greatly.

Thanks Dave!!!

Once upon a time the end was in sight and financial freedom from my little debt of under 5k was nearly within my grasp! December 2012 if not before with the benefits of frugality however our friend Dave had other plans!!!!

I was made redundant from my job with a pish package I took what I could find till a full time position. Finally taking a 10k salary drop.

In 2009 I invested in property buying my house with a 15% deposit. n 2011 after three years of home owning and negative equity to the tune of 12k I have finally sold and now have jack bloody buggery shite. What smarts is that I gave up time with my small child in favour of seeking security for us. If only I had done the opposite....... rented, claimed top up benefits and saved my hard earned cash .... quality of life for me and weeny girl for three years would have been be better and we would have a cash sum in the bank and no debt.

You play frugal, play independent, watch your consumption, don't do frivalous sofas or new cars, no nights out at the pub type debt just what you have to! After a double whammy from the government - house market slump and Local Authority redundancy compounded by rural living what is a single mum supposed to do???? = Suck it up, Keep smiling, and use a brush instead of a hoover.