Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • chanie
    • By chanie 22nd Dec 16, 7:56 AM
    • 1,709Posts
    • 8,507Thanks
    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 £867.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
Page 6
    • pennywisepoundstupid
    • By pennywisepoundstupid 27th Nov 17, 8:23 PM
    • 4,425 Posts
    • 13,810 Thanks
    pennywisepoundstupid
    Sounds as though your getting into the Christmas spirit Chanie, I never make Christmas pud as I'm the only one in the family that eats eat, so we have sticky toffee pudding instead.

    Well done on finding the coins, it all adds up.

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

    Debt free and saving for my future
    • chanie
    • By chanie 29th Nov 17, 9:32 PM
    • 1,709 Posts
    • 8,507 Thanks
    chanie
    We have 4 presents left to buy for Xmas, plus a few other bits and pieces. Am pretty pleased with that. Ideally, i wanted to have it all done by now, but I’ve struggled with inspiration. I didn’t get as many bargains as in previous years, but that’s because many of the children in our family are now wanting cash or vouchers. Don’t get me wrong, I’m happy to give cash, but it’s not like you can get cash on offer anywhere.
    2017 challenge to save £800
    Savings on purchases £867.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • pennywisepoundstupid
    • By pennywisepoundstupid 29th Nov 17, 9:34 PM
    • 4,425 Posts
    • 13,810 Thanks
    pennywisepoundstupid
    Your doing better than me I have loads left to buy, I just don't want to spend any money. I must get on with it though otherwise it will be a last minute rush.
    Be mindful of your self-talk. It's a conversation with the Universe."

    Debt free and saving for my future
    • chanie
    • By chanie 3rd Dec 17, 8:59 PM
    • 1,709 Posts
    • 8,507 Thanks
    chanie
    when it all goes wrong

    I’ve had a few disasters recently.

    Firstly, i got two parking tickets, which were £45 each. Next to the high street is a supermarket which has free parking for an hour, so i normally park there if popping in to town quickly. They recently changed it so that you have to enter your car reg details, but i didn’t know this, so I️ got caught out.

    Secondly, i didn’t get a receipt for a service i paid for in cash, so now i have to repay. The company have gone halves with me, but it’s still £60 ish.

    So, I’m £150 down. Very annoyed with myself.
    2017 challenge to save £800
    Savings on purchases £867.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • sugarbaby125
    • By sugarbaby125 4th Dec 17, 12:48 AM
    • 993 Posts
    • 6,246 Thanks
    sugarbaby125
    Hi Chanie,

    You must be feeling really gutted at being down such a substantial sum. I am sure you will soon bounce back from it though, as you have that inner resilience. Take care. You have Christmas to focus on now and to look forward to. I am sure your children are mega excited.
    • chanie
    • By chanie 4th Dec 17, 10:23 PM
    • 1,709 Posts
    • 8,507 Thanks
    chanie
    Thanks for your kind words. It’s just a major annoyance.

    The kiddies are looking forward to Xmas, particularly opening their advent calendars every morning. DD started counting down to the count down (‘mummy can we open our advent calendar today’).
    2017 challenge to save £800
    Savings on purchases £867.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • pennywisepoundstupid
    • By pennywisepoundstupid 5th Dec 17, 6:54 AM
    • 4,425 Posts
    • 13,810 Thanks
    pennywisepoundstupid
    Chanie i'm sorry to hear about the extra expense, id be really upset to.

    Focus on having a nice Christmas with the little ones, my 2 are past the excited for Santa stage .
    Be mindful of your self-talk. It's a conversation with the Universe."

    Debt free and saving for my future
    • sugarbaby125
    • By sugarbaby125 5th Dec 17, 11:39 AM
    • 993 Posts
    • 6,246 Thanks
    sugarbaby125
    Chanie,

    My children are 17 and 25 and they can be so blase about Christmas, but as I am not working this year, I am putting a lot more effort into Christmas and have started to wrap presents. They are catching my excitement and we are making decisions as a family. We are planning a very traditional Christmas, with lots of family board games on Christmas Day. I am also wrapping birthday presents for my soon to be 35 year old daughter and my 34 year old son whose birthdays are the 10th and the 14th of December.
    • chanie
    • By chanie 9th Dec 17, 9:12 PM
    • 1,709 Posts
    • 8,507 Thanks
    chanie
    a couple of months ago, we decided to give the children their own bedrooms. Phase 1 was moving DS into the box room, which was being used as a dressing room/junk room. We spent under £50 on the room, as we only needed paint and bedding - we moved the furniture from the shared room into DS new room. Phase 2, was decorating DDs room, which we did today. This will cost About £250 as we need new furniture, bedding and curtains. Phase 3 will be wardrobes for mine and OHs room, as we donít have any so our room is a mess for now.

    Once weíve finished the bedrooms, the Ďbigí project is the dining room and hallway. The walls are in quite bad condition, so we will need to get someone in to sort them out. Plus, we need a new dinning room suite. I have some ideas to keep costs down:
    - We need a plasterer to sort out the walls, but we can paint them ourselves.
    - we may just paint the floorboards and put down a large rug, in the dinning room and hallway. I donít like laminate flooring and donít want carpet (which is what we currently have).
    - am thinking of getting a good second hand dinning suite if I can find one - something well made, but not old fashioned. I may be lucky!
    2017 challenge to save £800
    Savings on purchases £867.18
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=4327401ht
    • sugarbaby125
    • By sugarbaby125 10th Dec 17, 8:12 AM
    • 993 Posts
    • 6,246 Thanks
    sugarbaby125
    Well done Chanie. You and your husband must be so pleased with the progress you have made on your house fabbing. Your children must be really pleased with their new bedrooms.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

5,726Posts Today

7,218Users online

Martin's Twitter
  • I realised I forgot in my links earlier. 1. Help to Buy ISAs, how they work and best buys...? https://t.co/BSCNPeqiVF

  • RT @whatdawndid: Thanks to uncle @MartinSLewis I just received £200 back, just like that from the student loan company! Turns out that the?

  • RT @LaraLewington: Shocked and saddened by Cheggers news. Working with him on It?s A Knockout was my 1st job in telly when I was just 19. H?

  • Follow Martin