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  • FIRST POST
    • chanie
    • By chanie 22nd Dec 16, 7:56 AM
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    • 7,819Thanks
    chanie
    2017 - Spend less, live more
    • #1
    • 22nd Dec 16, 7:56 AM
    2017 - Spend less, live more 22nd Dec 16 at 7:56 AM
    This is a new spending diary for 2017 for me.


    I have an overdraft of a couple of thousand, which I want to reduce in 2017. Now that both children are at school, we have a bit more money to play with.


    Life is just so expensive and it feels like we are constantly spending, what with family birthdays, home repairs and spending on the children.


    Last year, I aimed to save £500 on purchases through 'clever' shopping - using discount codes, freebies, sales etc. I managed to save £620.46 - I have nearly £70 in cashback which I haven't included in this figure. This year, I aim to save £800.


    I've started my 2017 diary early, as I was paid early this month.
    Here is what I have saved so far:
    Body shop - saved £20 40% off my normal skincare, plus a free body butter (which will be gifted at some point)
    Cinema - saved £9.58 on two cinema tickets to watch the new Star Wars film.
    Last edited by chanie; 22-12-2016 at 8:02 AM.
    2017 challenge to save £800
    Savings on purchases £648.55
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
Page 4
    • chanie
    • By chanie 23rd Feb 17, 10:42 PM
    • 1,612 Posts
    • 7,819 Thanks
    chanie
    The children were given some clothing vouchers for Xmas. Looking online tonight and the store was offering 20% off plus free delivery, so I will add that to my sigbature.
    2017 challenge to save £800
    Savings on purchases £648.55
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • chanie
    • By chanie 27th Feb 17, 8:37 PM
    • 1,612 Posts
    • 7,819 Thanks
    chanie
    quids in

    I received a letter a couple of days ago from Southern Railway offering £70 compensation for all the problems on the trains. This was a nice surprise and I've put the money into my saving account as we've had to eat into that as work has been quiet for OH.

    I also have nearly £20 worth of vouchers from the train strikes, so I'm going to offset that against my next ticket and pop the difference into my savings account.

    Plans are underway for DS' birthday in about 8 weeks. I've started to add a few bits and pieces in with the weekly shop for the party, particularly stuff on offer. By the time his birthday comes around, we will have a nice stockpile.

    We are holding his party at home, having done whole class parties in reception and year 1. We are going to invite his little group and possibly get a bouncy castle. Family can come around after his friends have gone home. Doing the party at home will keep costs down - DD is in reception, so we 'owe' her two class parties!!!
    2017 challenge to save £800
    Savings on purchases £648.55
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • Bobarella
    • By Bobarella 27th Feb 17, 8:42 PM
    • 10,473 Posts
    • 69,433 Thanks
    Bobarella
    Fantastic refund! How nice.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • chanie
    • By chanie 1st Mar 17, 8:19 PM
    • 1,612 Posts
    • 7,819 Thanks
    chanie
    I've booked onto my bread making course and saved £35 on the cost through a works discount. It's only an introductory course and I don't expect to save any money from making bread, but I thought it could be a handy skill to learn.
    2017 challenge to save £800
    Savings on purchases £648.55
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • Bobarella
    • By Bobarella 1st Mar 17, 8:31 PM
    • 10,473 Posts
    • 69,433 Thanks
    Bobarella
    Definitely! And you'd know exactly what you were feeding the family too. Plus nothing like that smell!
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • chanie
    • By chanie 12th Mar 17, 7:37 PM
    • 1,612 Posts
    • 7,819 Thanks
    chanie
    This weekend has been spent repainting our kitchen. We bought the paint on offer a few weeks ago and I took the children out to let OH focus on the decorating. The walls have been done, it's just the woodwork left.

    We pulled out the fridge to decorate behind it and an error light started flashing which was worrying. I asked my sister to take some frozen meat and put it in her freezer for me as I thought the fridge was broken. Luckily, the fridge is okay now.

    We did a food shop today and spent £37. We only needed fresh stuff like milk and cheese, plus I reclaimed my frozen meat!!!
    2017 challenge to save £800
    Savings on purchases £648.55
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • Bobarella
    • By Bobarella 12th Mar 17, 11:41 PM
    • 10,473 Posts
    • 69,433 Thanks
    Bobarella
    Phew glad the fridge wasn't broken. They aren't cheap are they.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • chanie
    • By chanie 15th Mar 17, 8:47 PM
    • 1,612 Posts
    • 7,819 Thanks
    chanie
    making something out of nothing

    I really put my frugal ways into practice today. We had a colleague leaving and I was tasked with organising the leaving do. Despite working for the company for 10 years I didn't get as much money as expected for the leaving gift - this is because we've had a lot of long serving staff leave and the ones my colleague works with are either on holiday, off sick or maternity leave.

    I managed to throw together a nice little party:
    Card - from Card Factory, which is half the price of the expensive shops locally.
    Gift bag - recycled from home.
    Presents - I bought some jewellery, which was quite expensive. I topped it up with some cheaper items like smellies and a registered item I had in my desk.
    Cakes - I baked a cake and topped up with some extra nibbles from the supermarket.

    Anyway, colleague was pleased, so I managed to pull it off, on a shoe string.
    2017 challenge to save £800
    Savings on purchases £648.55
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • Bobarella
    • By Bobarella 15th Mar 17, 9:14 PM
    • 10,473 Posts
    • 69,433 Thanks
    Bobarella
    making something out of nothing

    I really put my frugal ways into practice today. We had a colleague leaving and I was tasked with organising the leaving do. Despite working for the company for 10 years I didn't get as much money as expected for the leaving gift - this is because we've had a lot of long serving staff leave and the ones my colleague works with are either on holiday, off sick or maternity leave.

    I managed to throw together a nice little party:
    Card - from Card Factory, which is half the price of the expensive shops locally.
    Gift bag - recycled from home.
    Presents - I bought some jewellery, which was quite expensive. I topped it up with some cheaper items like smellies and a registered item I had in my desk.
    Cakes - I baked a cake and topped up with some extra nibbles from the supermarket.

    Anyway, colleague was pleased, so I managed to pull it off, on a shoe string.
    Originally posted by chanie
    Well done you how kind that you went to so much effort.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • chanie
    • By chanie 19th Mar 17, 8:05 PM
    • 1,612 Posts
    • 7,819 Thanks
    chanie
    £50 today in Lidl, for the week. I really wasn't in the mood for doing a shop so probably missed off things we need, buy we should last until next weekend, when it's payday and a new shopping month.

    So in total, we've spent about £300 this month on groceries.
    2017 challenge to save £800
    Savings on purchases £648.55
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • Bobarella
    • By Bobarella 20th Mar 17, 3:01 PM
    • 10,473 Posts
    • 69,433 Thanks
    Bobarella
    That's good! I think we will be around £250 this month. I 'think' but am not certain, that it's due to buying the biggest size economically still. It's well worth checking the cost per 100g thing I find. This has meant things lasted longer. For me used to shopping very hand to mouth it has felt alien at times to spend more but the theory seems to hold.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • chanie
    • By chanie 22nd Mar 17, 8:43 PM
    • 1,612 Posts
    • 7,819 Thanks
    chanie
    That's good! I think we will be around £250 this month. I 'think' but am not certain, that it's due to buying the biggest size economically still. It's well worth checking the cost per 100g thing I find. This has meant things lasted longer. For me used to shopping very hand to mouth it has felt alien at times to spend more but the theory seems to hold.
    Originally posted by Bobarella
    Sometimes shops display sizes in either metric or imperial, just to confuse us all. We do our main shop in Lidl which has limited choices. OH popped into Poundland and noticed that the condiments he buys is cheaper and you get a bigger size.
    2017 challenge to save £800
    Savings on purchases £648.55
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • chanie
    • By chanie 2nd Apr 17, 7:02 PM
    • 1,612 Posts
    • 7,819 Thanks
    chanie
    Our fridge has broken so we had to buy a new one. Our milk kept going off and it took us a while to realise that the fridge wasn't getting cold. Google suggested turning it off for 48 hours in case the internal parts had frozen, but there was no guarantee it would work. This would mean we'd be without a fridge for a week and we couldn't do that with two children, so we bought a new one. Luckily, the one we liked was on offer and we got next day delivery, so it's been delivered today. Thank goodness. MIL said she'd put some money towards it, so is worked quite cheaply. It has really impressed on me the importance of saving, so that's something I really want to do.

    We had to throw out nearly £20 worth of food, which included 8 eggs, 6 yoghurt, , 3 pasties, 1/2 block of cheese, 2.5 packs of butter. The food may have been okay, but we didn't want to chance it with the children.

    Easter is approaching and I'm going to make up little Easter 'bags' for our DCs cousins (mine and OHs nieces and nephews). I've got cellophane bags and I'm going to put in a selection of Easter chocolates and sweets.
    2017 challenge to save £800
    Savings on purchases £648.55
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • chanie
    • By chanie 7th Apr 17, 1:03 PM
    • 1,612 Posts
    • 7,819 Thanks
    chanie
    Not much to update from me.

    I bought a couple of t shirts for DS in the Gap sale for £3 each (lovely thick cotton), plus a top for me for £6.

    Have been stockpiling for DS birthday, through buying a few bits and pieces in with the weekly food shop. I'm going go start doing the same for the summer holiday.

    Apparently, the Sainsburys 25% off clothing starts on Tuesday and I have a few bits earmarked.
    2017 challenge to save £800
    Savings on purchases £648.55
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • chanie
    • By chanie 11th Apr 17, 10:41 AM
    • 1,612 Posts
    • 7,819 Thanks
    chanie
    Sainsburys 25% off clothing starts today and I've been sensible with my purchases. I've ordered a couple of pairs of trousers for work and some school uniform for DD.

    I forgot to mention that I won the sweepstakes at work for the Grand National. I wasn't going go enter, as I didn't have any change at the time. I only won £20, but I'm going to put it aside for now.
    2017 challenge to save £800
    Savings on purchases £648.55
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • chanie
    • By chanie 15th Apr 17, 9:43 PM
    • 1,612 Posts
    • 7,819 Thanks
    chanie
    happy Easter weekend

    We had a nice day out today. I have English Heritage membership through work and its worth £100 (added to signiture), so it's a good bargain if used. We took a packed lunch, so only spent £10 on treats.
    2017 challenge to save £800
    Savings on purchases £648.55
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • chanie
    • By chanie 29th Apr 17, 8:24 PM
    • 1,612 Posts
    • 7,819 Thanks
    chanie
    update

    Don't feel like I've updated in quite a while and I really need to focus more on what I want to achieve - which is clearing my overdraft. Today, I walked away from a 'bargain'. I'd seen some shoes last year for £50 and they were in TK Maxx for £25. I really wanted them, but I walked away, which is unlike me.

    Some frugal purchases:
    Deodorant -on offer, saving £2
    Moisturiser for OH - saved £4
    Shoes for work - saving £7

    All of the items are needs not wants. With toiletries, I normally stock up when they are on offer, so that they can see me though until they are on offer again.

    I went on my bread making course. I haven't attempted to make any bread yet, but I may try some rolls tomorrow which I can freeze.
    2017 challenge to save £800
    Savings on purchases £648.55
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • chanie
    • By chanie 2nd May 17, 5:38 PM
    • 1,612 Posts
    • 7,819 Thanks
    chanie
    Just thought I'd check in. I hope everyone is well.
    2017 challenge to save £800
    Savings on purchases £648.55
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • Bobarella
    • By Bobarella 2nd May 17, 10:35 PM
    • 10,473 Posts
    • 69,433 Thanks
    Bobarella
    Sorry I had missed your post about the fridge. What a pain to lose food like that.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • chanie
    • By chanie 9th Aug 17, 12:10 PM
    • 1,612 Posts
    • 7,819 Thanks
    chanie
    I've realised that I haven't posted in ages. Things are ticking along okay, although I haven't really made a dent on the overdraft, so a rethink of plans is needed.

    August is going to be a write off. This is the first year that I've had them both off (DD was in nursery last year) and it 'feels' more expensive, even though we don't have nursery fees anymore. We have our holiday soon and even though it's been paid for, I have a few items to buy. I also have the children's school uniform to buy, although I've made a start. Plus its DDs birthday soon, including her birthday party.

    I'm off to write a to do list - I find writing it all down keeps me stress free.
    2017 challenge to save £800
    Savings on purchases £648.55
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
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