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  • FIRST POST
    • savingwannabe
    • By savingwannabe 18th Feb 15, 6:31 PM
    • 12,253Posts
    • 45,455Thanks
    savingwannabe
    The Happy Savings Fund
    • #1
    • 18th Feb 15, 6:31 PM
    The Happy Savings Fund 18th Feb 15 at 6:31 PM
    I am going to copy over all my posts about my new kitchen or lack of it!!!!

    I am changing my thread name back to a more saving focussed one so I don't get distracted.

    Addendum: I have changed the name again as I am planning to chill out now I have savings and am going to continue to save for happy times. lol.
    Last edited by savingwannabe; 03-12-2016 at 8:16 PM. Reason: to re-focus my savings
    Savings fund(Nov 2017) £6500/£8000 77%
    Christmas Fund (Dec 1st 2017) £30/£300
    Ask self: DO I NEED IT OR AM I BEING GREEDY?
Page 49
    • savingwannabe
    • By savingwannabe 13th Mar 17, 7:07 PM
    • 12,253 Posts
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    savingwannabe
    Throat has gone again. I might have to ring drs again. Yuk. No talking for next few days at all.
    Savings fund(Nov 2017) £6500/£8000 77%
    Christmas Fund (Dec 1st 2017) £30/£300
    Ask self: DO I NEED IT OR AM I BEING GREEDY?
    • bobobski
    • By bobobski 14th Mar 17, 7:09 AM
    • 529 Posts
    • 1,253 Thanks
    bobobski
    Oh dear, I'd give you a hug if I could SW! Do you have ice cream in the house? The one good thing about having an iffy throat is that it's a great excuse for ice cream, which is like a hug when there's no person around to hug you
    #18: Save 12k in 2017: £2,145.88 / £12,000 (17.88%) | #86: Save £12k in 2016: £8,476.09 / £10,000 (84.76%)
    House deposit by 31/12/2020: £13,257.57 / £60,000 (22.09%) | Emergency fund by 31/12/2020: £630.73 / £5,000 (12.61%)
    • savingwannabe
    • By savingwannabe 14th Mar 17, 11:13 AM
    • 12,253 Posts
    • 45,455 Thanks
    savingwannabe
    All I have done since this started it eat. lol. I am looking like a round ball at present. lol.

    Deciding what to do today. I might clean my little loo room. It's just a loo and sink and I hardly use it. But it does get full up with the mop bucket etc and it needs a tidy out. I have done stage one and will go back to do another clean in a bit. Throat is not in pain and I can whisper a bit which is good.

    I wish I was rich. There was a program about how people became rich on tv last night. One was a plumber one was a child who won beauty contests in america. They were living in a luxurious way with private planes and all sorts. I don't want to be that rich just enough to have free time and go out and shop without worrying.
    Last edited by savingwannabe; 14-03-2017 at 2:43 PM.
    Savings fund(Nov 2017) £6500/£8000 77%
    Christmas Fund (Dec 1st 2017) £30/£300
    Ask self: DO I NEED IT OR AM I BEING GREEDY?
    • Skint yet Again
    • By Skint yet Again 14th Mar 17, 5:20 PM
    • 2,403 Posts
    • 16,794 Thanks
    Skint yet Again
    I know what you mean SW, I keep saying I wish I could win the lottery ... only thing is I don't buy a ticket so not much chance of that
    Aims for 2016
    1. no takeaways !
    2. shop once a week - no "top-up" shops - no unnecessary spending !!
    • savingwannabe
    • By savingwannabe 14th Mar 17, 7:16 PM
    • 12,253 Posts
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    savingwannabe
    Me too.

    I haven't bought anything on fleabay for a while. The two pound Monopoly game was a couple of weeks ago from G@mtree. I am cottoning on at last.

    EU court has agreed that people with headscarves could lose jobs. I think I am going to wear a hat as a protest on my first day at work (whenever it is). I don't like headscarves personally but live and let live. It's a slippery slope. How long before they start asking people to wear a star on their arms?

    Do you ever think about retirement Skint Yet Again? I have a part time pension and that's it. If I keep my job (a big 'if' at the moment) then I am facing a salary cut anyway. I am going to have to seriously consider renting a room out for income and saving it I think as I can't think of anything else to raise money. Once the cupboards come down in the spare room I could move all my clothes into one room so I can get the spare room ready. Maybe a project for the summer holidays?

    Has anyone here ever rented a room out? I might have to contact Worried Jim for advice. He was really good at it. He used to work for a takeaway wonder if he knows how to cook Chinese properly? lol

    Right, time to plan for tomorrow.

    3dogs is helping me with a survey. I'm going to dr's & then I am going to do some work from home.
    Last edited by savingwannabe; 14-03-2017 at 8:56 PM.
    Savings fund(Nov 2017) £6500/£8000 77%
    Christmas Fund (Dec 1st 2017) £30/£300
    Ask self: DO I NEED IT OR AM I BEING GREEDY?
    • savingwannabe
    • By savingwannabe 15th Mar 17, 11:45 AM
    • 12,253 Posts
    • 45,455 Thanks
    savingwannabe
    Done survey. Susan is taking me to town to the drs. Weather has cheered up. hurrah.
    Savings fund(Nov 2017) £6500/£8000 77%
    Christmas Fund (Dec 1st 2017) £30/£300
    Ask self: DO I NEED IT OR AM I BEING GREEDY?
    • Skint yet Again
    • By Skint yet Again 15th Mar 17, 2:59 PM
    • 2,403 Posts
    • 16,794 Thanks
    Skint yet Again
    Hope you get on ok at the doctors SW.


    I always thought I'd retire at 60 on my part-time work pension and state pension but now I have to work until 68 to get a state pension. At least if you rent out a furnished room in your home you can receive up to £7500 tax-free


    Lovely sunny day here too - I'm going to put some washing out now
    Last edited by Skint yet Again; 15-03-2017 at 3:15 PM.
    Aims for 2016
    1. no takeaways !
    2. shop once a week - no "top-up" shops - no unnecessary spending !!
    • savingwannabe
    • By savingwannabe 16th Mar 17, 7:32 AM
    • 12,253 Posts
    • 45,455 Thanks
    savingwannabe
    Hello gang and thank you to the great advice by PM.

    I will definitely consider doing it after the summer when I have sorted my rooms out. I am just waiting to see if I will get better and I hope I can keep my job.

    I have been signed off for another two weeks. I just have to rest my voice. I felt so down yesterday so Susan drove me to the boys and they all really looked after me and cheered me up. I ate them out of house and home and they are still talking to me. lol.

    It is really foggy here. Today:
    1) sort bins
    2) do washing and hang out on line
    3) clean oven door - this vanish malarkey is great. First clean in 8 years and it looks much better. Not spotless but much improved. Am gobsmacked. It only took seconds.
    4. I have a button I could sew maybe.

    Just purchased a foundation, brand new at a reduced price from fleabay. £12 is great. This is an essential for work. I haven't compromised on MAC yet.


    My life is so exciting isn't it????? lol
    Last edited by savingwannabe; 16-03-2017 at 12:20 PM.
    Savings fund(Nov 2017) £6500/£8000 77%
    Christmas Fund (Dec 1st 2017) £30/£300
    Ask self: DO I NEED IT OR AM I BEING GREEDY?
    • Skint yet Again
    • By Skint yet Again 16th Mar 17, 1:27 PM
    • 2,403 Posts
    • 16,794 Thanks
    Skint yet Again
    Well done on cleaning the oven door SW Which product did you use ? The only bit not clean on my oven is the door !


    Sounds like you had a lovely day yesterday, isn't it nice when friends cheer you up x
    Aims for 2016
    1. no takeaways !
    2. shop once a week - no "top-up" shops - no unnecessary spending !!
    • savingwannabe
    • By savingwannabe 16th Mar 17, 3:58 PM
    • 12,253 Posts
    • 45,455 Thanks
    savingwannabe
    It's Astonish in a pot. It's a pound from poundshop.

    I have been asleep with bad hypo. I think I did too much this morning. I am taking the rest of the day off. lol. Sunshine glorious outside here.

    I have been waiting for my switch to take place of my current account but nothing has happened. I hope it has started now I clicked a new button. This current account switching is more difficult than it looks.

    I'm watching Hoarding. OMG>
    Last edited by savingwannabe; 16-03-2017 at 4:40 PM.
    Savings fund(Nov 2017) £6500/£8000 77%
    Christmas Fund (Dec 1st 2017) £30/£300
    Ask self: DO I NEED IT OR AM I BEING GREEDY?
    • savingwannabe
    • By savingwannabe 16th Mar 17, 4:50 PM
    • 12,253 Posts
    • 45,455 Thanks
    savingwannabe
    I am not going to get the £125 till next month I don't think. Darn it would have come in useful for paying off my other credit card bill.

    Right no more excess spending. I can justify MAC foundation at a cheap price on ebay and also spending money on one of my dear friends for a meal but that's it. No more eating out. Paying it off on time and early has been really stressful. New me I must be assertive and say no to people.

    The only cinema I am going to now is free pictures with 3dogs and the boys. And no meals out unless they cost under a tenner.
    Savings fund(Nov 2017) £6500/£8000 77%
    Christmas Fund (Dec 1st 2017) £30/£300
    Ask self: DO I NEED IT OR AM I BEING GREEDY?
    • Skint yet Again
    • By Skint yet Again 16th Mar 17, 5:09 PM
    • 2,403 Posts
    • 16,794 Thanks
    Skint yet Again
    meals out for under a tenner are more common now, especially with all the vouchers and deals around. Its a shame about the £125 but should come in handy next month !
    Aims for 2016
    1. no takeaways !
    2. shop once a week - no "top-up" shops - no unnecessary spending !!
    • savingwannabe
    • By savingwannabe 16th Mar 17, 5:56 PM
    • 12,253 Posts
    • 45,455 Thanks
    savingwannabe
    I think so. I am deciding what I should do tomorrow.

    I think I will have some gladioli that got me cheap to plant. My handyman rang and said that he is definitely coming next week to start my bedroom. I love having work done on the house. It feels like I am making it better and an investment.

    There is a gorgeous red coat on ebay. It is at a really bargain price. I think I might treat myself. I have just culled 4 coats from my coat wardrobe for charity as penance. Steve says I can't have it so I have a broken heart. Steve is no longer my best friend or my boyfriend (pretend) even if he is gay I don't care it's over. OVER. OVER. I'm going to die in front of telly. I have said this to Steve and Susan over the phone and they are laughing. I feel like miss piggy and the dying swan mixed with Rupert Everett. I'm coatless and starving and my life is over.
    Last edited by savingwannabe; 16-03-2017 at 9:36 PM.
    Savings fund(Nov 2017) £6500/£8000 77%
    Christmas Fund (Dec 1st 2017) £30/£300
    Ask self: DO I NEED IT OR AM I BEING GREEDY?
    • savingwannabe
    • By savingwannabe 16th Mar 17, 9:39 PM
    • 12,253 Posts
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    savingwannabe
    I am dead. Goodbye. And STeven don't ring me again. EVER.
    Savings fund(Nov 2017) £6500/£8000 77%
    Christmas Fund (Dec 1st 2017) £30/£300
    Ask self: DO I NEED IT OR AM I BEING GREEDY?
    • 3Dogs
    • By 3Dogs 16th Mar 17, 9:39 PM
    • 12,900 Posts
    • 134,582 Thanks
    3Dogs
    Do you want some licourice
    Mr 3Dogs 3rd July 2012 3Dogs'Mam 31st March 2013

    FRUGAL groceries - Oct £55.98/£60; Nov £62.96/£80; Dec £43.46/£60; Jan £68.88/£80; Feb £86.58/£100 March Given up on March
    NSD's Oct-18; Nov-16; Dec 21; Jan 16; Feb 19; March 11/16
    eBay Oct £116.33; Nov £76.71; Dec £60.96; Jan £71.28; Feb £24.12; March £18.27/£50
    • savingwannabe
    • By savingwannabe 17th Mar 17, 8:54 AM
    • 12,253 Posts
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    savingwannabe
    Susan we love you so much. Thank you. Susan and Steve got my liquorice as a treat last night to celebrate my passing from unconspicous consumption. It was delish. Andy even texted me from work that he was still talking to me. I didn't spend money on a GORGEOUS RED KAREN MILLEN COAT and I SURVIVED. I realise now whenever I see red clothes I have to have them and they are right all I do is wear them a few times and then get fed up of them. This is a valuable lesson if I don't buy something I want I can survive. It is terrible for a bit but then it is fine after and I am still alive.

    I have saved some money £50 as I didn't buy the coat - I couldn't have afforded that much anyway. We did a survey the other day and I gave some money to Oxfam from it and have banked the rest into my xmas fund. £20. So today is a good day and I have just got up.

    The weather looks gorgeous but it is only going to last for a bit. I am in tidy mode today and am going to have a good day. I have washed some clothes and might tidy some of the shoes in my shoe rack as I think it takes up too much space in spare bedroom. It was Susan's idea she is v good at home interiors. It is a little project for today. Operation Clear Shoes has been completed. I do have a bedside cabinet that needs emptying and I might do that later.
    Last edited by savingwannabe; 17-03-2017 at 12:56 PM.
    Savings fund(Nov 2017) £6500/£8000 77%
    Christmas Fund (Dec 1st 2017) £30/£300
    Ask self: DO I NEED IT OR AM I BEING GREEDY?
    • Skint yet Again
    • By Skint yet Again 17th Mar 17, 1:18 PM
    • 2,403 Posts
    • 16,794 Thanks
    Skint yet Again
    Well done on resisting the coat SW Its so hard, sometimes its I WANT even though we know we shouldn't


    Well done you on all the tidying. I wish I could be more disciplined I still haven't sorted out the wardrobe sitting in my kitchen in bits
    Aims for 2016
    1. no takeaways !
    2. shop once a week - no "top-up" shops - no unnecessary spending !!
    • savingwannabe
    • By savingwannabe 17th Mar 17, 5:07 PM
    • 12,253 Posts
    • 45,455 Thanks
    savingwannabe
    I only stopped myself because the gang told me not to. I would have been regretting it today if I had, I am so grateful I didn't get it. lol.

    The only reason I am getting things done is because I am off work. There is no way I could do any of this if I was at work Skint Yet Again.

    How are you?
    Savings fund(Nov 2017) £6500/£8000 77%
    Christmas Fund (Dec 1st 2017) £30/£300
    Ask self: DO I NEED IT OR AM I BEING GREEDY?
    • Skint yet Again
    • By Skint yet Again 17th Mar 17, 9:27 PM
    • 2,403 Posts
    • 16,794 Thanks
    Skint yet Again
    Blood tests on Tuesday so will see what happens next... Its really windy outside, DS has just gone to work and I am bored. Trouble is I eat when I am bored rather than shop ... must resist I have eaten and I am not hungry ... takeaways to me are like coats to you SW
    Aims for 2016
    1. no takeaways !
    2. shop once a week - no "top-up" shops - no unnecessary spending !!
    • bobobski
    • By bobobski 18th Mar 17, 6:34 AM
    • 529 Posts
    • 1,253 Thanks
    bobobski
    Your friends sound so lovely SW - mine are always encouraging me to spend money!! If you've just got rid of 4 coats it's because you don't need them so there's not a lot of sense in taking £50 out of your wallet and putting it into your wardrobe if you don't need to
    #18: Save 12k in 2017: £2,145.88 / £12,000 (17.88%) | #86: Save £12k in 2016: £8,476.09 / £10,000 (84.76%)
    House deposit by 31/12/2020: £13,257.57 / £60,000 (22.09%) | Emergency fund by 31/12/2020: £630.73 / £5,000 (12.61%)
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