My Can i do it? Yes i can savings diary

cocalls

many thanks for this will certainly look into it.
Forgot about some work expenses to claim back and im the 1st aider here and should be getting £8/m extra but im not so need to ring HR.
OH has just rung & his boss at work has just been made redundant i think its really hit home to him that we need to stop wasting our money on takeaways and the like ie nintendo ds that we bought in oct and never use!!:mad:

[Deleted User]

cocalls wrote: »

many thanks for this will certainly look into it.
Forgot about some work expenses to claim back and im the 1st aider here and should be getting £8/m extra but im not so need to ring HR.
OH has just rung & his boss at work has just been made redundant i think its really hit home to him that we need to stop wasting our money on takeaways and the like ie nintendo ds that we bought in oct and never use!!:mad:

This smacks of an eBay weekend selling all the stuff you never use... Fun fun fun!

Simstwins

Congratulations on making the positive decision to save - it takes effort, and doesn't just happen by itself.

My two top tips would be
1. transfer the money to your savings account on pay day - don't leave it until later in the month to see if you have any left - you will always spend whatever money is left in your everyday account.
2. Take time to write all your 'sundry' spending down - even if only for a couple of weeks - you will see very quickly where savings can be made, and how they can mount up. Example of this a daily newspaper and packed lunch could be £20.00 per week, of £80.00 per month, nearly a £1000 a year - all for £4.00 per day.

Happy Saving - once you start and get the bug - there is no stopping!:T

[Deleted User]

I'd suggest creating a spreadsheet for a budget and updating it every few days. PM me if you want mine.

amistupid

cocalls wrote: »

Water rates............................. 11
Telephone (land line)................... 11
Internet Services....................... 0
Groceries etc. ......................... 200 (this is for food/toiletries/cleaning/wine&cat)
Clothing................................ 0
Petrol/diesel........................... 0
Road tax................................ 0
Medical (prescriptions, dentist etc).... 0
Contents insurance...................... 0 (with above)
Other insurance......................... 0
holiday................................. 0
Emergency fund.......................... 0

How I envy you! You must live in Riverside Cottage with Hugh Fearnley Whittingstall.

cocalls

Deleted_User wrote: »

This smacks of an eBay weekend selling all the stuff you never use... Fun fun fun!

ive not had much luck with ebay really (once made a profit on some expensive us trainers of 4p!) but will give it a go!

cocalls

Simstwins wrote: »

Congratulations on making the positive decision to save - it takes effort, and doesn't just happen by itself.

My two top tips would be
1. transfer the money to your savings account on pay day - don't leave it until later in the month to see if you have any left - you will always spend whatever money is left in your everyday account.
2. Take time to write all your 'sundry' spending down - even if only for a couple of weeks - you will see very quickly where savings can be made, and how they can mount up. Example of this a daily newspaper and packed lunch could be £20.00 per week, of £80.00 per month, nearly a £1000 a year - all for £4.00 per day.

Happy Saving - once you start and get the bug - there is no stopping!:T

Many thanks yes thats a good idea come the 16th i'll transfer the savings and we'll just live off the rest jan is always a pretty frugal month anyway and we've still got full cubboards from xmas and nice pressies to play with i reckon it'll hit us in feb.
A few have mentioned writing everything down and spreadsheets and the like-maybe later down the line maybe as im really rubbish at things like that i'll do them for a few days and then forget. But as you said i may get the bug!

cocalls

amistupid wrote: »

How I envy you! You must live in Riverside Cottage with Hugh Fearnley Whittingstall.

ha ha sorry should have been more specific internet is bundled up w/ sky tv, im saving £10 road tax, and i get free prescriptions (OH rarely ill) i put £0 for everything else as we're gong to get it out of entertainment budjet.
£200 for food etc is probabally quite high judging from those on the OH board! Weezl74 and her OH have been living on 50p/p/day!

Right did expenses yest about £37 quid contacted Hr and im to get backdated firt aid pay from 29th sept woo woo (£24 i think;) )
I rang Sky um and managed to reduce it to £28.50 not great cant move as im in credit to them- when i went over to the dark side they told me theyd pay for BT installation (however what they faild to mention that it would be money taken off my account not a refund humph!)

Another NSD for me taking food to work, just done a v boring survey, Oh is at footy tonight so i thought id look at car insurance breakdown cover tonight oh joy!:A

cocalls

ok so havnt got round to looking at insurance as OH wasn't playing footy (calld off as too cold the wussies) but was another NSD & receivd £6.5 cheque from virgin which i'll put in bank 2morrow. Only 30 points away from getting another voucher on pigsback but they're so measily with their points now.
They were giving out free loaves of bread at the station so i bagged 4!! I recon i can bring nxt weeks grocery bill down loads as we seem to have tonnes in the freezer.

cocalls

So checked savings acc today and its up to £376.72 woo woo!!
I also got some nuts n apples from work yest (xmas glut) and OH came back w/ some olives stuffed w/ acnchovies mmmm