PMS Challenge - June 2007

Hi Queenie
I would like to joing the PMS challenge for June. My month starts on the 01st June as I get paid on the 31st May. I was doing really well in February on all the various challenges, but have since spent the last three months off sick with a bad back and everything has come to a halt since.
This will be my new start for the year and am really looking forward to it so much. Want to get back on track as I was so proud of my achievements before, so time to kick my own butt and start again.
Thanx
CTFG
x x x x

im in, saving for a 1st birthday in july and a 2nd birthday just 2 weeks later :eek:

i use lidls now so most of mine will come from comparing what i used to spend in tesco to what i now spend shopping at lidls.

i am also adding the cost of what washing powder would cost me, have a huge box that was bought for me

Here in June but will be blowing all my PMS savings in the second week then restarting, been saving them for holidays. Just as proof of what you can do when you put your mind to it here's my year since Xmas so far.

What I have saved on - using codes for shopping online, bogofs and flog offs, reducing my grocery spending by more than half! resisting things I don't need, several storecupboard challenges inc the bathroom/cleaning ones, ebay sales (pitiful £50 but hey it's something) using the car less, cashback from quid co etc

Bought with PMS savings since Xmas - new clothes for me, American Style Fridge (always wanted one and couldn't afford it) full years tax for my car (never been able to do more than 6 months before) food processor.

What's left for the holiday, well it's 4 figure sum put it that way, intend on having a great time and not a penny on a credit card etc Actually I'll probably be frugal and come back with some but hey ho it's there!

See it's well worth a go

I'll be with you all squeezing every last saving to add for the hols fund until the 11th, then back on the 16th with probably an empty pot to start for Christmas

It was just the extra that came from the PMS pot, had thought about that bit myself. I had £100 budgeted for 6 months tax in stamps, but topped it up for the year, means I also have the left overs in November as I had budgeted £100 for that too, which will go in the Christmas pot. If I wasn't going to gain by it I wouldn't have but there is an admin charge on 6 monthly tax which I will also save which is £9 for each 6 months disc, so saving £18 just on that over the year.

I've put way too much thought into this :rotfl: can you tell

Taking on board what you're saying as I have given myself 12 months before it's due (if I keep the car) I will be able to put away £15 a month for the next one saving me the £18 on next years too. Now it's just where to put it, thanks for the ideas Queenie Car repairs is a good idea, we budget seperately for MOTs costs of £100 inc parts and tests maybe it's a little low (we have managed it this year on less but you never know) save on spending by doing the work ourselves but the parts can be a little steep sometimes so might put a little aside for that.

Planning on another debt free Christmas so need to get things right again, last year was such a relief (even with paying £500 for a laptop for my Dad big daft pressie but he's worth it, oh and several spa days I really went OTT but all with cash ) not having to pay for it now, as every other year I've still been paying for the Christmas before when the next one comes around.

I'm in as always. The on going pot now standing at nearly £600:j