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  • FIRST POST
    • chanie
    • By chanie 22nd Dec 16, 7:56 AM
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    • 9,690Thanks
    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.
    2018 challenge to save £1000
    Spend less - £197.44
    Live more - £1569.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
Page 6
    • pennywisepoundstupid
    • By pennywisepoundstupid 27th Nov 17, 8:23 PM
    • 4,632 Posts
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    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
    Long term savings £10,000 Holiday spends £349.02 General savings £160.24
    Clothes challenge £250/£36.63
    • chanie
    • By chanie 29th Nov 17, 9:32 PM
    • 1,893 Posts
    • 9,690 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!!!8217;ve struggled with inspiration. I didn!!!8217;t get as many bargains as in previous years, but that!!!8217;s because many of the children in our family are now wanting cash or vouchers. Don!!!8217;t get me wrong, I!!!8217;m happy to give cash, but it!!!8217;s not like you can get cash on offer anywhere.
    2018 challenge to save £1000
    Spend less - £197.44
    Live more - £1569.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • pennywisepoundstupid
    • By pennywisepoundstupid 29th Nov 17, 9:34 PM
    • 4,632 Posts
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    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
    Long term savings £10,000 Holiday spends £349.02 General savings £160.24
    Clothes challenge £250/£36.63
    • chanie
    • By chanie 3rd Dec 17, 8:59 PM
    • 1,893 Posts
    • 9,690 Thanks
    chanie
    when it all goes wrong

    I!!!8217;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!!!8217;t know this, so I!!!65039; got caught out.

    Secondly, i didn!!!8217;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!!!8217;s still £60 ish.

    So, I!!!8217;m £150 down. Very annoyed with myself.
    2018 challenge to save £1000
    Spend less - £197.44
    Live more - £1569.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • sugarbaby125
    • By sugarbaby125 4th Dec 17, 12:48 AM
    • 1,133 Posts
    • 7,216 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
    • 1,893 Posts
    • 9,690 Thanks
    chanie
    Thanks for your kind words. It!!!8217;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 (!!!8216;mummy can we open our advent calendar today!!!8217;).
    2018 challenge to save £1000
    Spend less - £197.44
    Live more - £1569.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • pennywisepoundstupid
    • By pennywisepoundstupid 5th Dec 17, 6:54 AM
    • 4,632 Posts
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    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
    Long term savings £10,000 Holiday spends £349.02 General savings £160.24
    Clothes challenge £250/£36.63
    • sugarbaby125
    • By sugarbaby125 5th Dec 17, 11:39 AM
    • 1,133 Posts
    • 7,216 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
    • 1,893 Posts
    • 9,690 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 don’t have any so our room is a mess for now.

    Once we’ve finished the bedrooms, the ‘big’ 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 don’t like laminate flooring and don’t 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!
    2018 challenge to save £1000
    Spend less - £197.44
    Live more - £1569.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • sugarbaby125
    • By sugarbaby125 10th Dec 17, 8:12 AM
    • 1,133 Posts
    • 7,216 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.
    • chanie
    • By chanie 15th Dec 17, 8:37 PM
    • 1,893 Posts
    • 9,690 Thanks
    chanie
    Some good news.

    Apparently, I!!!8217;m owed £400 from the student loan company. The money was deducted from my salary, but it can sometimes take time for the payments to stop as HMRC systems and Student Loans systems don!!!8217;t interact. I paid it off a few years ago, so I assumed I was done and dusted, so that was a nice surprise.
    2018 challenge to save £1000
    Spend less - £197.44
    Live more - £1569.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • sugarbaby125
    • By sugarbaby125 16th Dec 17, 12:14 AM
    • 1,133 Posts
    • 7,216 Thanks
    sugarbaby125
    That is great news Chanie. Always good to get unexpected money
    • chanie
    • By chanie 16th Dec 17, 3:16 PM
    • 1,893 Posts
    • 9,690 Thanks
    chanie
    I was planning to buy DD a new chest of drawers for her bedroom in January. I received a £5 off voucher so I popped in today to take advantage of the offer.
    2018 challenge to save £1000
    Spend less - £197.44
    Live more - £1569.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 21st Dec 17, 9:42 PM
    • 1,893 Posts
    • 9,690 Thanks
    chanie
    Progress on 2017

    I managed to meet my challenge of !!!8216;saving!!!8217; £800 on purchases. So, I!!!8217;ve decided to up it to £1000 in 2018, which is going to be more challenging.

    What do I want to do in 2018? Actually reduce my overdraft. I!!!8217;m now in a position where I should be able to save, so want to use some of the money I save to reduce my overdraft.
    I also need to buy a new car in 2018, which I!!!8217;m going to have to pay off out of savings and pay myself back. My car is 15+ years old and it!!!8217;s getting to the point now where things are going majorly wrong with it. I!!!8217;m not a car type of person, so it won!!!8217;t be an expensive car. OHs car is older and we were going to change his first, but our mechanic advised we do my car first. I have thought about whether we could cope with one car. Now that both children are at school, we could, but our lives are so busy and having two cars does make it that much easier for us.

    Technically, I!!!8217;ve been paid my January salary, so any savings I make now are for January. So far:
    2 pairs of trousers, saving £14.
    2 discounted cinema tickets, saving about £6

    Once Xmas is over and done with, I!!!8217;m going to pop this into my savings
    2018 challenge to save £1000
    Spend less - £197.44
    Live more - £1569.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 26th Dec 17, 10:17 PM
    • 1,893 Posts
    • 9,690 Thanks
    chanie
    I!!!8217;m hope everyone had a nice Xmas. Ours had been lovely and pretty stress free. I think it!!!8217;s because we organised most of it in advance, so we didn!!!8217;t have much last minute rushing around.

    I will be setting my goals for 2018 soon. To help me, I!!!8217;ve bought a bullet journal, which is essentially making the pages look colourful and interesting. I have a notepad to write things in and I get a new one every year, but I want to create one that will motivate me.
    2018 challenge to save £1000
    Spend less - £197.44
    Live more - £1569.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • pennywisepoundstupid
    • By pennywisepoundstupid 27th Dec 17, 8:47 AM
    • 4,632 Posts
    • 15,384 Thanks
    pennywisepoundstupid
    Please you had a lovely Christmas,can'twait to see your goals for 2018 xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £349.02 General savings £160.24
    Clothes challenge £250/£36.63
    • chanie
    • By chanie 27th Dec 17, 8:40 PM
    • 1,893 Posts
    • 9,690 Thanks
    chanie
    review of 2017

    I didn!!!8217;t achieve my goals of loosing weight and reducing my overdraft, which are big, important things.

    I did som small achievements
    Learning to bake bread - I!!!8217;ve practiced, but I!!!8217;m not brilliantly it.
    Made my first ever Christmas pudding
    Visited a couple of tourist attraction I!!!8217;ve wanted to visit
    Attempted to make a Christmas wreath




    Before I forget, a few Xmas 2018 preparations:
    1) printed off labels for snowman soup/magic reindeer food, elf letters and Santa letters. I always forget to do them.
    2) bought 3 rolls of wrapping paper today for 50p each from Sainsbury!!!8217;s.
    3) bought my first present today - a thermal mug for The children!!!8217;s godfather.
    Last edited by chanie; 27-12-2017 at 8:47 PM.
    2018 challenge to save £1000
    Spend less - £197.44
    Live more - £1569.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 28th Dec 17, 10:00 PM
    • 1,893 Posts
    • 9,690 Thanks
    chanie
    I bought another couple of Christmas 2018 gifts today from Sainsbury!!!8217;s. I bought insulated cups, water bottles and a toy, reduced from £28 to £8.

    I popped into Sainsbury!!!8217;s this morning and grabbed a load of reduced sale items, but something told me to put them back, so I did and left. On my way to work, I stated to think about all the unsuitable gifts we have at home which we were given for Christmas. I really don!!!8217;t want to waste my money on unwanted clutter for other people, so I do try and get good gifts and if that!!!8217;s not possible, something that!!!8217;s useful. So, I had a little think about which items may work for various people. I left feeling very much in control and pleased with my purchases.
    2018 challenge to save £1000
    Spend less - £197.44
    Live more - £1569.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 31st Dec 17, 10:50 AM
    • 1,893 Posts
    • 9,690 Thanks
    chanie
    It!!!8217;s the last day of 2017 today. I hope everyone has a good evening. We will be staying in as I hate going out on New Year!!!8217;s Eve. We will be putting away the Christmas decorations today and it will be good to get back to normality.

    Plans for 2018 - much the same as 2017, but I want to actually achieve something by the end of the year, not just be in the same place that I am now.

    Goals for 2018
    Broadly speaking they are:
    Loose weight
    Reduce overdraft
    Read more books
    Bake more and try lots of new recipes
    Support OH with his goals
    Have new experiences and build happy family memories.
    2018 challenge to save £1000
    Spend less - £197.44
    Live more - £1569.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • pennywisepoundstupid
    • By pennywisepoundstupid 31st Dec 17, 11:25 AM
    • 4,632 Posts
    • 15,384 Thanks
    pennywisepoundstupid
    Some excellent goals there Chanie, I hope 2018 is a good one for you xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £349.02 General savings £160.24
    Clothes challenge £250/£36.63
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