I hve spent the evening trying to reduce my direct debits - guess how much I saved?

[KatyMac]

Which £75 pa
BT £42 pa
Sky £24 pa
Pools £36 pa its DH

So only £14.75 pcm.....but it's a start

Well done!!

I should do that really.

Which ones did you save the money on?

Less than 1% of my bills

They are the reductions

There is probably a more cost effective way to spend my time

The pools? Is he a pensioner? Bet he still give money to man from the Pru too.

No we pay it to him by DD (same way DH pays the pools)

But not anymore

re the pools - I had this conversation with my friend who is currently skint, she plays the lottery and we worked out that she spends almost £450 pa on it and that she had never won anything near that. It is a bad investment in those terms.

Have a look at www.moneysavingexpert.com there is a really good budget planner and also pain free ways to save money by just shopping around.

I know that's why I stopped it