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  • FIRST POST
    • chanie
    • By chanie 22nd Dec 16, 7:56 AM
    • 1,828Posts
    • 9,274Thanks
    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 - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
Page 7
    • chanie
    • By chanie 31st Dec 17, 4:38 PM
    • 1,828 Posts
    • 9,274 Thanks
    chanie
    frugal stuff
    1) diverted some unwanted Xmas gifts to my regifiting box.
    2) prepared some kale for freezing (bought for 50 on Xmas eve)
    3) I’m going to start some bread rolls tonight and will freeze - will see whether the children will have them in their packed lunches.
    2018 challenge to save £1000
    Spend less - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 31st Dec 17, 6:42 PM
    • 1,828 Posts
    • 9,274 Thanks
    chanie
    One more frugal action...

    4) unboxed all of my Xmas toiletries and popped them in with the rest of our toiletries. I use them through the year.
    2018 challenge to save £1000
    Spend less - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 1st Jan 18, 9:35 AM
    • 1,828 Posts
    • 9,274 Thanks
    chanie
    Happy 2018 to everyone.
    2018 challenge to save £1000
    Spend less - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • pennywisepoundstupid
    • By pennywisepoundstupid 1st Jan 18, 10:50 AM
    • 4,582 Posts
    • 15,063 Thanks
    pennywisepoundstupid
    Happy New year 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 £200.02 General savings £152.62
    Clothes challenge £250/£36.63
    • chanie
    • By chanie 2nd Jan 18, 11:21 AM
    • 1,828 Posts
    • 9,274 Thanks
    chanie
    The children don’t go back to school for another couple of days. I’m determined that these days will be MSE ones though as I will have to watch our spending until the end of the month. The bills have been paid, so it’s only discretionary spending we need to watch.

    Despite saying he wanted to loose weight, OH suggested we get a takeaway for dinner as we were running low on food. I was determined not to do so, and managed to knock up a meal with stuff we had at home.
    2018 challenge to save £1000
    Spend less - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • pennywisepoundstupid
    • By pennywisepoundstupid 2nd Jan 18, 11:44 AM
    • 4,582 Posts
    • 15,063 Thanks
    pennywisepoundstupid
    Morning.

    My children are not back at school until Monday, although they are vampire teenagers and don't seem to surface in daylight .

    Well done on not having the takeaway and managing to throw something together.

    Hope you have a great day 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 £200.02 General savings £152.62
    Clothes challenge £250/£36.63
    • chanie
    • By chanie 2nd Jan 18, 8:21 PM
    • 1,828 Posts
    • 9,274 Thanks
    chanie
    I spent £5 today in Lidl in a few top up items (milk, ham etc). Hopefully, we will be able to last with what we have until the weekend.

    One of the things that me and OH want to focus on this year is not only reducing our shopping bill, but eating more healthily. We buy lots of convenience foods for the children, partly because we are really busy and partly because the children will eat them! One of the purchases today in Lidl was porridge oats. DS loves it with honey and we ran out a few weeks ago, but kept on forgetting to buy it. DS doesn’t stop eating and whilst he isn’t overweight, I can see him going that way, so I want to fill him up with healthier foods.
    2018 challenge to save £1000
    Spend less - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 3rd Jan 18, 7:05 PM
    • 1,828 Posts
    • 9,274 Thanks
    chanie
    I took the children to Ikea for lunch today. I said I take them to the crŤche, but we to wait 1.5 hours for spaces, so I took them for some meatballs whilst we were waiting. I spent about £13 on lunch and had my free Ikea cuppa, which is available with with my Ikea family card.

    Frugal stuff
    I saved £32 today. We decorated DDs room just before Xmas and this included new curtains and bedding. The items are currently on sale so I purchased the items again and returned using the old receipt. I always keep receipts for this purpose, particularly at Christmas time
    2018 challenge to save £1000
    Spend less - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 4th Jan 18, 1:15 PM
    • 1,828 Posts
    • 9,274 Thanks
    chanie
    £5 Saved today on a jersey top from Uniqlo. The tops are good quality and a staple in my wardrobe. I picked it up today when I popped into to collect the items I'd left for alteration before Xmas (two pairs of thermal jeggings - one black and one in dark denim).
    2018 challenge to save £1000
    Spend less - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • pennywisepoundstupid
    • By pennywisepoundstupid 4th Jan 18, 1:45 PM
    • 4,582 Posts
    • 15,063 Thanks
    pennywisepoundstupid
    Well done on the savings. 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 £200.02 General savings £152.62
    Clothes challenge £250/£36.63
    • sukeyboo
    • By sukeyboo 4th Jan 18, 4:09 PM
    • 803 Posts
    • 6,301 Thanks
    sukeyboo
    Hi Chanie - I have subscribed to your thread
    • chanie
    • By chanie 4th Jan 18, 9:10 PM
    • 1,828 Posts
    • 9,274 Thanks
    chanie
    Inspired by sugar baby some recent savings:

    3 rolls of Christmas wrapping paper reduced to 50p each in Sainsbury’s.

    A couple of Christmas 2018 gifts - drinks bottles, and cups reduced from £5-£6 down to £1.50. Again from Sainsbury’s.

    A sample of sushi today in Waitrose. Worth about 5Op
    Last edited by chanie; 04-01-2018 at 9:19 PM.
    2018 challenge to save £1000
    Spend less - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • mrs motivated
    • By mrs motivated 5th Jan 18, 10:15 AM
    • 1,117 Posts
    • 4,313 Thanks
    mrs motivated
    Hi chanie,

    I've found your diary, but i think the link you posted takes you to your old diary....Anyway have found you now and will read through in my lunch break.
    Well Behaved women seldom make history

    Accessible EF #152 £1000/£1000


    Vets EF £2000/£2000
    • chanie
    • By chanie 5th Jan 18, 10:32 PM
    • 1,828 Posts
    • 9,274 Thanks
    chanie
    Hi chanie,

    I've found your diary, but i think the link you posted takes you to your old diary....Anyway have found you now and will read through in my lunch break.
    Originally posted by mrs motivated
    Thanks, I didnít realise. Will update now.

    Popped to town today. My plan was to drive part way and walk in, to save on parking fees (inspired by sugars efforts. I couldnít find anywhere within a mile and then it was just became pointless, so I paid for parking. I also treated myself to lunch.

    £4 credit voucher for River island. I was bought a gift for Xmas, which I didnít really want, so I returned it. Unfortunately, I only got half price for it, but I thought that £4 towards a useful item was better than an unused item for £8. I didnít see anything I wanted, so I bought DD some clothing.

    £13 saved on 3 bras from M&S. This was an impulse purchase, but I am in need of more bras. As I am rather well endowed on the boobage front, bras arenít cheap so £25 for 3 is good going.
    2018 challenge to save £1000
    Spend less - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 7th Jan 18, 12:28 PM
    • 1,828 Posts
    • 9,274 Thanks
    chanie
    Inspired by sugar I’ve added a second category of savings to account for ‘nice to have’ extras (live more). My spend less (save £1000) is for purchases I would have made anyway. The live more savings is about considering feeebies and those ‘nice to have extras’.

    This may not make sense to you, but it dies to me. I don’t have a target, so I’ll just see what my total is.

    £45 saved on my trainers. I waited until the sales to buy my trainers and they sent the wrong ones! The box label and invoice were correct but the trainers were different. When I looked them up, they were ones that weren’t in the sale (live more).

    £3 Saved on a cinema ticket for a belated Xmas present for our priest - What do you buy a priest? Our priest loves going to the cinema, so that was an easy win (spend less)

    £4Saved on knickers from Sainsburys in their sale. Not a ‘need’ but they are half price for a pack of 3.
    Last edited by chanie; 10-01-2018 at 9:17 PM.
    2018 challenge to save £1000
    Spend less - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 11th Jan 18, 8:31 PM
    • 1,828 Posts
    • 9,274 Thanks
    chanie
    Iíve been meaning to finalise my targets for 2018:

    -loose 1.5 stone, with weightwatchers.
    - reduce overdraft by £600
    - read at least 20 books
    - try 30 new recipes
    - have 6 Ďdatesí with OH
    - support OH to attend 8 poker evenings
    - have at least 12 family fun days out, with at least 5 new places
    -complete a 10k run
    - learn a new skill
    - increase environmentally friendly efforts
    - reconnect with old friends and make new ones
    2018 challenge to save £1000
    Spend less - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 12th Jan 18, 8:37 PM
    • 1,828 Posts
    • 9,274 Thanks
    chanie
    I tried a new recipe today, American style cornbread. It was more cake-like than bread-like, both in texture and taste. Despite this, neither OH or the children liked it. Luckily, I only need to buy one ingredient, which was cornmeal and it cost 79p, so it wasn’t a costly experiment.
    2018 challenge to save £1000
    Spend less - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • redofromstart
    • By redofromstart 13th Jan 18, 9:43 AM
    • 878 Posts
    • 5,022 Thanks
    redofromstart
    Hi Chanie

    I like your logic on the 'live more' stuff.

    At least the new recipe was a cheap one to try, do you have cornmeal to use up now?
    • chanie
    • By chanie 14th Jan 18, 3:17 PM
    • 1,828 Posts
    • 9,274 Thanks
    chanie
    Hi Chanie

    I like your logic on the 'live more' stuff.

    At least the new recipe was a cheap one to try, do you have cornmeal to use up now?
    Originally posted by redofromstart
    Yes I do have to use it up. I havenít seen any inspiring recipes, yet.

    Some freebies...
    £1 on a baking tray from a relative - looks like it was a promotional freebie.

    £25 on some bedding from DM.

    I do get offered freebies from family members but I will only accept if itís something I can use, otherwise itís just clutter.
    2018 challenge to save £1000
    Spend less - £142.66
    Live more - £1436.05
    My spending diary - Spend Less, Live More
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • sashybo
    • By sashybo 14th Jan 18, 8:09 PM
    • 2,531 Posts
    • 19,289 Thanks
    sashybo
    Hi chanie, I always fancied trying cornbread, did you like it?

    Good plan on not taking stuff unless you need it - I feel like my whole house is full of clutter just now. *sigh*
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £9575 extra paid off debt. Total Debt paid off £48,575.28
    Loan £3334.75, CC 0% BT £892, Car loans £22,879.88

    Have a Debt Free Diary to try & keep spending in check.
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