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  • FIRST POST
    • chanie
    • By chanie 22nd Dec 16, 7:56 AM
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    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 £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
Page 5
    • chanie
    • By chanie 11th Aug 17, 11:05 PM
    • 1,680 Posts
    • 8,316 Thanks
    chanie
    Trying to be MSE:

    Through work, I get English Heritage membership and have visited a few sites this year, with a few more planned. We take a packed lunch so only have to pay for petrol and an ice cream for the children.

    I've been buying the children's school uniform for a couple of weeks now. DS got the aldi school trousers. I also stocked up on school dresses, underwear and socks from Sainsburys 25% off. PE bags were from Amazon. We only need a few more things which I'll get when I get paid.

    We go on holiday soon and I've pushed the boat out with onsite airport parking. It wasn't that much more expensive than getting a taxi.

    Blackberries - me and DD picked some, which I've frozen. I'm going to try making BlackBerry vodka when I get back from holiday.

    Holiday - we are currently eating down all food in the house before we go away. It's been difficult having the children at home as we've run out of bread and milk and so top up shops end up costing a lot!!! Our holiday is self catering so I'm going to pack lots of crisps, biscuits, cereal, etc, for the children. They don't normally eat much on holiday, so I like to take things they will eat. Plus the supermarkets can be expensive.
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • pennywisepoundstupid
    • By pennywisepoundstupid 12th Aug 17, 8:39 AM
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    pennywisepoundstupid
    All sounding good with you, hope you have a great holiday.

    Take care.x.
    Be mindful of your self-talk. It's a conversation with the Universe."
    • chanie
    • By chanie 12th Aug 17, 5:20 PM
    • 1,680 Posts
    • 8,316 Thanks
    chanie
    Thanks penny

    MSE stuff:

    I was planning on buying DS some underwear today and I found some Tesco clubcard vouchers at home, so I saved 40% on the cost.

    A client I work with has a 'big' birthday soon and I want to buy them a little present. Budget was up to £10, but I found the perfect gift which was reduced to £2. Although I love a bargain, I do try and buy gifts that people will enjoy, otherwise it's a waste of money. The gift was what I was looking for and a great price.
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • chanie
    • By chanie 13th Aug 17, 9:35 PM
    • 1,680 Posts
    • 8,316 Thanks
    chanie
    Popped to Home Bargains today and picked up a swimming jacket for DD today for £7. I only remembered a couple of days ago that she needed a new one, but it was too late to order one online, as we go away in a couple of days. Argos was selling them for £20, so a great saving there.
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • pennywisepoundstupid
    • By pennywisepoundstupid 14th Aug 17, 8:03 AM
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    pennywisepoundstupid
    That's a big saving well done, i'm popping to our local one today to buy snacks for the kids to take camping, I always spend a fortune when I go as there are so many bargains.
    Be mindful of your self-talk. It's a conversation with the Universe."
    • chanie
    • By chanie 15th Aug 17, 2:58 PM
    • 1,680 Posts
    • 8,316 Thanks
    chanie
    Today I am finishing up stuff before we go away. This includes finishing the packing and cleaning the house.

    I was naughty today in that I had a big splurge in Sainsburys today, with their 25% off. I bought some boots, a school coat for DD, school tights for DD, underwear for OH and a dressing gown for DD.

    Better get back to it.
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • sugarbaby125
    • By sugarbaby125 15th Aug 17, 3:26 PM
    • 958 Posts
    • 6,020 Thanks
    sugarbaby125
    Hi Chanie,

    I hope you and your family have a great time on your holiday. You may have had a bit of a splurge in Sainsburys but you did save 25% off, so you also saved money.
    • pennywisepoundstupid
    • By pennywisepoundstupid 15th Aug 17, 4:08 PM
    • 4,355 Posts
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    pennywisepoundstupid
    Have a great holiday.x
    Be mindful of your self-talk. It's a conversation with the Universe."
    • chanie
    • By chanie 24th Aug 17, 7:52 PM
    • 1,680 Posts
    • 8,316 Thanks
    chanie
    We are back from our holiday and we had a lovely time. On the way home OH and I were talking about what worked well and not so well and I wanted to write it down before I forgot.

    - the exchange rate was practically £1/€1 so our money didn't go far. Next time, I will monitor exchange rates to get the best possible deal.

    - We were self catering (our preferred option) and bought lots of food from home for breakfast and lunch, mainly for the children. This saved lots, as the supermarkets were more expensive.

    - We also brought lilos and water toys from previous holidays. I know people leave them, but we've had ours for a few years now, so it's worth it.

    - I stock pile toiletries to take when they are on offer for our holiday.

    - there were a few last minute expenses I hadn't budgeted for (needed a new suitcase). I've written a list of items that I've repacked in the suitcase (e.g. unopened sunscreen) and a list of items I will need to buy again, so I can spread the cost and hunt for bargains.

    - We enjoy spoiling the children on holiday, but they didn't appreciate it and opted for lots of expensive sweets and cheap toys, which got broken. Next time, we'll bring sweets from home and let them buy 1 quality item rather than junk.

    - I have a basic holiday wardrobe of items I only wear on holiday and this means I don't need to add much to my suitcase and keeps costs down.
    Last edited by chanie; 24-08-2017 at 7:55 PM.
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • chanie
    • By chanie 27th Aug 17, 8:12 PM
    • 1,680 Posts
    • 8,316 Thanks
    chanie
    Some recent MSE stuff:

    - went to order some Autumn clothes for DD and they've now been reduced, so that's a couple of ££ saved.

    - baked some bread rolls this morning, which have been frozen.

    - prepared and froze some carrots, so they don't go off.

    Also had some bigger purchases:

    - £100 on school uniform. This was stuff with the logo on, so didn't have much choice.

    - £60 in Costco (membership was due so I couldn't put off renewing as I have to order DDs birthday cake).

    - DDs birthday party is in a couple of weeks. The hall has been paid for, but I need to sort out her presents, plus party expenses.

    - then it's my birthday soon......
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • chanie
    • By chanie 2nd Sep 17, 4:13 PM
    • 1,680 Posts
    • 8,316 Thanks
    chanie
    We bought DDs presents, which she was happy with. For her birthday, we went to an English Heritage site, as we have membership, so it didn't cost us anything. We took a picnic to save on costs.

    I bought some Xmas presents too - a couple of main gifts, plus stocking fillers. I buy throughout the year, but I've been struggling this year with a lack of inspiration, so I haven't done as much as I wanted to. I'm also making some Blackberry vodka for Xmas, but only a small bottle, as its my first attempt.

    The children go back to school next week and I'm relieved, as we can get back to normality and structure. Plus, I get my Fridays back to myself!
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • chanie
    • By chanie 4th Sep 17, 12:02 PM
    • 1,680 Posts
    • 8,316 Thanks
    chanie
    open house London 16-17th Sept

    I've just boon browsing the above, which is an annual event where lots of buildings are opened up to the public to let them see areas which they may otherwise never get to see. Entry is normally free so it will be a cheap day out.

    https://openhouselondon.open-city.org.uk

    Just in case anyone else in interested.
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • chanie
    • By chanie 15th Sep 17, 2:11 PM
    • 1,680 Posts
    • 8,316 Thanks
    chanie
    I've just saved myself £20. Dds birthday was a couple of weeks ago and the presents we bought her are currently on sale, so I repurchased them and returned them with the old receipt. When I told OH what I was planning on doing, he did question how much is be using in petrol, but I said its still £15+ - which we could put towards decorating the children's bedrooms!
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • chanie
    • By chanie 3rd Nov 17, 2:56 PM
    • 1,680 Posts
    • 8,316 Thanks
    chanie
    Right, I’m back.

    My focus going forward is gong to be our grocery bill. We mainly shop in Lidl and our bill seems to have shot up to £80, but we don’t seem to have anything to show for that.

    On the plus side, we’ve nearly finished DS bedroom and it cost under £100, which was paint and soft furnishings. We are going to finish up this weekend and start on Dds room next. This is going to cost a bit more, as we need to get some new furniture and soft furnishings, so I think it will be about £200ish. I want to get both rooms finished for the beginning of December, so the children will be settled in time to enjoy the Christmas season.
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • chanie
    • By chanie 4th Nov 17, 11:47 PM
    • 1,680 Posts
    • 8,316 Thanks
    chanie
    paying for convenience

    This is something Iím doing at the moment and although Iím quite happy with the decisions weíve made, we are definitely paying for it.

    Weíve had to get DS some extra tuition. DS really liked the more expensive option , as the made it fun for him. I liked the flexibility, as itís a tuition Centre, so we can go whoever we feel like it. There was a cheaper option, but it was more rigid and it just didnít fit into our lifestyles.

    Likewise, weíve signed up for private swimming lessons, which are triple the price of the ones at the local leisure centre, under the Council. But, the groups are much smaller and itís parking is much easier.

    Iím someone who doesnít often pay for convenience, so itís a difficult concept for me. Time will tell whether itís worth it.
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • pennywisepoundstupid
    • By pennywisepoundstupid 5th Nov 17, 8:15 AM
    • 4,355 Posts
    • 13,193 Thanks
    pennywisepoundstupid
    Morning Chanie.

    I think sometimes you have to go with what works best for you as a family and think about dynamics and how it impacts other things even if it costs more, For example tutoring if your son is happy then he will be more inclined to remain focused and want to learn what he is being taught, so will stick at it and not become bored. Swimming lessons again may be better in a smaller group and your children may actually pick it up quicker and therefore require fewer lessons, saving money in the long run.
    Sorry i'm rambling but what i'm trying to say is do what is best for you and your family.
    Be mindful of your self-talk. It's a conversation with the Universe."
    • chanie
    • By chanie 5th Nov 17, 7:46 PM
    • 1,680 Posts
    • 8,316 Thanks
    chanie
    I must admit, I have felt the benefit today. I took DS to his tuition today and he was happy to go! DS is an introvert and would rather sit at home than be out and about, so sometimes, it’s difficult to get him to do anything, even stuff he enjoys. I’m going to take advantage of his enthusiasm whilst it lasts.
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • chanie
    • By chanie 7th Nov 17, 9:43 PM
    • 1,680 Posts
    • 8,316 Thanks
    chanie
    Paying for convenience part 2

    OH called me at work to say our boiler wasn’t working. We have a plan which covers the boiler, electrics and plumbing, but it’s quite expensive. What with having two primary school aged children and two full time working parents, it’s worth it. We called up the company and they managed to get someone round in two hours (I think we were just really lucky on this occasion). Phew!

    We need to start to tighten our belts now. Although OH is now working full time, out childcare bill has increased. In addition, we have to pay for DS tuition and swimming lessons, so that’s quite a hefty chunk of money we have to find. We should be okay, but will need to reign in the spending.
    2017 challenge to save £800
    Savings on purchases £807.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • pennywisepoundstupid
    • By pennywisepoundstupid 8th Nov 17, 7:28 AM
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    pennywisepoundstupid
    Glad you managed to get the boiler sorted quickly, especially as its getting colder.

    Take care x
    Be mindful of your self-talk. It's a conversation with the Universe."
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