Computer glitch (The Sillahs)

By This Is Money
Updated: 05:00 BST, 16 December 2005

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Foday and Mabinty have spent a lot recently. They both 定期的に send money 支援する home to 親族s - £2,400 a year in total - and 収容する／認める they 港／避難所't looked closely at their 財政／金融s for some time.

The couple earn more than £50,000 a year between them. However, after going through their 財政／金融s with his 予算 planner, ツバメ 明らかにする／漏らすs - to the couple's 広大な／多数の／重要な surprise - that they are in fact underspending by £5,412 a year, so it's 苦痛-解放する／自由な saving all the way.

ツバメ quickly identifies some pointless 支出. The couple is spending £130 a year on internet 接近, にもかかわらず the broken computer. And they are 支払う／賃金ing £500 a year for a Sky TV 一括. A quick phone call to Sky and the 脅し of moving to a 競争相手 clawed 支援する £260.

The Sillahs are spending £1,400 a month on their Intelligent 財政／金融 mortgage, which has a 率 of 5.85%. ツバメ tells them that for every 1% you 削減（する） on your mortgage, for a £100,000 mortgage you are £1,000 better off each year. By speaking to a 仲買人 the couple move to a new 取引，協定 and save £1,300.

To introduce some discipline into their sending money home, ツバメ 示唆するs they 'piggy-bank' and open up 明確な／細部 accounts for sending money to 親族s in Africa.

開始 a new account with A&L 逮捕するs the couple £100 and saves them £110 on travel 保険, which comes as part of the 一括. They save a その上の £170 by changing their phone provider and £80 by getting new 道端 回復.

Searching online saves £480 on car and life 保険 and a cashback credit card paid off in 十分な each month will earn £300.

One big 支出 is Ayesha's childcare - £380 a month. Time to explain nursery 保証人／証拠物件s to the couple. If you take a 部分 of before-税金 salary and 交換（する） it for the same value of 保証人／証拠物件s you 支払う／賃金 no 税金 or NI. So for every £1,000 of salary spent on 保証人／証拠物件s you make £400 - 貯金 of £860 a year. Even better, as the couple both work for the NHS they get an extra £650 a year - £1,500 in total.

ツバメ manages to save Foday and Mabinty a total £4,400 a year. The couple have 登録（する）d for childcare 保証人／証拠物件s and 投資するd in a cashback credit card. And Hadja is happy - he has a brand new laptop chock-a-封鎖する with 教育の games.