Goals W/C 2nd April

claireiom

Morning Everyone.

Here is a link to last weeks thread http://forums.moneysavingexpert.com/showthread.html?t=172607

My Goals for Last week

1: Contact Halifax and close Credit Card (balance at nil but never closed) and also dormant bank account (no money in there, but temptation as £250 o/d)Done
2: Pay car tax - £96Done
3: Stay within budget for todays weekly shopping (£15 allocated)Done! First time ever!
4: Allocate £2.00 on Monday for tea at work, meaning no need to keep breaking money to pay the 10p a cup.Done... Worked out so much better as not in my purse every day.
5: Have 3 no spend days this week (not including the tea as this is allocated)OMG - I actually managed this - would never have thought it last week!
6: Spend no more than £20pw on 'me'Not Done - Spent £26 on Theatre ticket and pub meal
7: Be proud of myself for attempting to live a less expensive life Done - Its feels great to be a MSE!!!

Goals for This week

1.Have 3 no spend days
2: Again keep food shoppng below £15
3: List at least 3 items on ebay.
4: Try to spend no more than £20 on 'me'
5: Take debit card out of purse to remove temptation.
6: Allocate tea money for the week today.

Hope everyone has a good week.

Ali-OK

Morning everyone :wave:

Last week's:

1) £15 p/w Grocery challenge :-( Failed - spent £17.02 (but £5.84 saved in BOGOFs)
2) Start reading Martin's book - Yes! Am on page 262 out of 423!
3) Prep for stop smoking on 1st April - Yes! Non-smoker since yesterday, so far so good!
4) 4 x No Spend Days - Only 3, but will try again this week
5) Buy microfibre cloths and start cleaning OS - Yes! And they are brilliant with Stardrops - will never need to buy expensive cleaning stuff again!

Also..canx 2 insurances (saving £64.51 p/m), changed car ins (saving £158 p/a) and got accepted for A&L Prem Dir Current Account (£95 cash coming my way!). Envirofone accepted my old phone - another £22.91 coming my way and I paid an extra £70 off the cc's. A pretty good week!

This week's :

1) £15 Grocery challenge again
2) Finish Martin's book!
3) Keep with the no smoking
4) Get better account for son's savings (@ £850!)
5) Claim work expenses quick due to year end!
6) Source another birthday pressie at cheaper than shop prices

That's my lot this week!

Good luck everyone :T

emylou

1) Have at least 3 no spend days (Have managed a few no spend days already recently so hopefully this wont be too hard, but I do have MOT and car tax due) No, only managed 1 :eek:

2) Call Capital One to double check that the account has been closed- paid it off about 2 years ago but they've started sending me statements again- thankfully nothing's on it! Not done, but doing this week

3)Make an appointment to see halifax re. getting a mortgage and doing the keyworker housebuy scheme ( has anyone had any experience with this?) Am on Easter holidays now, so calling them tomorrow. (Can I get mortgage quotes over the phone, does anyone know??)

4) Put more things on ebay (also, find out whether selling on amazon is any easier/more profit making?!) Didn't find out about amazon, but did put more things on ebay that sold so have some extra money to throw at cc this week :j


This week:
1) 2 no spend days (hoping for more but trying to be realistic)
2) Put more things on ebay and find out about selling on amazon
3)Call Capital One re. cancelling account, Sky to put payment in my mum's name and halifax for a query
4) Call/go into banks to get mortgage quotes
5) Pay loose change and cheques from ebay into bank account
Good luck for this week everyone, I know I need it!!!!

Chortle_2

3 no spend days - Managed 4
Post letter before action to bank - done
Get overall debt below £7k - No Stupidly, I'd been working off of the wrong closing figure for Feb all month, so I was about £400 off where I thought I was!! Did get to £7133 though, so still close(ish!)

This week -

4 no spend days
Pay £100 Inland Revenue Refund cheque into bank!
List another 5 things on eBay

john_kent

Last weej

1) Chase Halifax for account closure STILL STRUGGLING TO GET AN ANSWER ON THIS
2) 5 no spend days ACHIEVED APART FROM TWO DAYS WHERE I HAD TO BUY TRAIN FARE BUT THAT WILL BE REFUNDED
3) Try and get extra hours at part time job ACHIEVED . EXTRA 2 HOURS
4) Bag up thr 3 quid in 1 and 2 p pieces I have and get rid at bank or in shop. ACHIEVED> GOT RID OFF IN PART TIME JOB.


This Weel

1) STill chase this small account at Halifax
2) Pay in the last few quid of loose change.
3) Five no spend days
4) Catch up on all the private jobs i have outstanding. No time at the moment.
5) Look for anothe revening job for Mondays and wednesday evenings. (Not a priority)

oops_a_daisy

Ok last weeks goals

1. Move mortgage onto fixed rate - decided that this was not worth it untill October due to penalties
2. Accept offer of endowment compensation well I would accept it if the ****** solicitors wernt dragging their heels
3. Apart from shopping tomorrow - no going into Tescos - Achieved - think my shopping addiction is really getting under control now
4. Stick to meals planned for the week - Achieved
5. Chase FD if no reply to claim for bank charges received by 31/3 - 2nd letter sent on Friday by recorded delivery - think Im going to have to fight for this
6. Wk3 no smoking - YIPPEE Achieved !


so this weeks goals are.....

1. Accept offer of endowment compensation
2. Apart from shopping tomorrow - no going into Tescos
3. Stick to meals planned for the week
4. Wk 4 no smoking
5. List 5 items on Ebay or Amazon
6. 3 no spend days


I think that'll do for now

Good luck everybody with your goals :j

Ali-OK

john_kent wrote:

Last weej

1) Chase Halifax for account closure STILL STRUGGLING TO GET AN ANSWER ON THIS

Hiya,

I posted up an answer for you - see middle of page 2 of the goals thread for last week (I've no idea how to do a link to it!)

Hope it helps.

LookingAhead

Last weeks goals were:

1. Use tumble dryer once only if at all DIDN'T USE IT AT ALL!
2. Try again for no more than 4 loads of washing FAILED! Just doesn't seem possible in our house even though there are two of us.
3. Try and shorten my showers a bit or at least start turning the taps down a bit so it's not coming out so quick when I'm just shaving my legs!! Yes, am making a small difference though it is hard to measure.
4. Get paid on Thursday - still do not top up PAYG till then at the earliest. Acheived. I bought a top up voucher on Wednesday by Switch so it came out of my bank on Thursday. Would have waited a bit longer but had a small emergency so had to do it.
5. Have (at least) another one no spend day. Achieved - Tuesday. I was ill though & housebound! :rolleyes:
6. Spend no more than £3 on balance of fresh veg groceries at end of week. Yep, gave OH £2.10 when he went to supermarket and he came back with what we needed.
7. Give out all 5 of my ING direct vouchers (£10 for me & £10 for friend who opens new ING account - with a pound I think!) Achieved!
8. Try and find something to list on Amazon. Achieved! I don't know if it will sell though...but I can only try.
9. Going out on Friday night (for the first Friday in ?????? months) and want to spend no more than £30 - which includes a bite to eat, gig ticket & getting home - no public transport after 11pm where I live.
Achieved. Didn't go out after all...various reasons. So didn't spend it on taxis & Guinness! However the cash did disappear yesterday on other things but I would have been buying them anyway so I did save in a round-a-bout way.


This Weeks Goals

This will be tough. I have time off this week with OH to celebrate my birthday so not spending money will be nigh on impossible. Damage limitation springs to mind! OK here goes:

1. Do not use tumble dryer more than once.
2. When going to cinema do not buy massively overpriced popcorn or cola.
3. Try & find things to do Friday & Saturday which are cheap (<£10) or free.
4. Plan a meal for w/c 9.4.06 which includes tin of green lentils! (See OS board!!)
5. List a pair of cords on EBAY on Friday with their free gallery day

Not many this week but as I say - damage limitation is the key I feel!

Good luck everyone!

Ayeshalush

I didn't do too well - feel quite ashamed as it was my first week - but I promise to do better next week. However my mindset has totally changed, when I have to spend money I AM looking for cheaper options.

LAST WEEK

1) Cancel newspapers (only weekend but still £10/month) - done
2) Cancel Sky - phoned, determined to cancel and not accept any 'special offers' - gave in to 6 months @£7.50.
3) Stop using coffee machine at work and make my own using the kettle!! - No, did cut back on vending machine purchases but still using it at times!
4) No crisps or sweets from work vending machines (will help with diet too!!) - failed miserably - it was a very stressful week!
5) Compile menu plan for week using what's in fridge and freezer - No (again ) but did use up things I had in the house and didn't go to supermarket until yesterday (only 'cos friend was coming for dinner) and only spent £3.59.
6) No food shopping except bread - see No.5
7) 3 no spend days - only 1!
8) Add more stuff to ebay - Again, no!! Current sales end today and this has given me added motivation as they have done so well.

Did, however, cancel my DVD rental, apply for Amazon CC - not to use, I have no CC balances at present, just to get free £15 voucher, got my first £2 coin and joined £2 Savers Club

THIS WEEK

1) 3 no spend days
2) Eat out of cupboards and freezer
3) Cut out vending machine purchases at work - coffee, chocolate and crisps!
4) Add more stuff to ebay
5) Cancel regular ISA Deposit and use this month's to make loan overpayment
6) Joined April Grocery Challenge - £75/month - so that's £18.75/wk

Promise to do better this week.

LookingAhead

Alicatt wrote:

I didn't do too well - feel quite ashamed as it was my first week - but I promise to do better next week. However my mindset has totally changed, when I have to spend money I AM looking for cheaper options.



Hey Alicatt, Rome didn't get built in a day!
From what I see you have made some progress :T and I am sure you will go even further this week as your targets are more achievable. Good luck, you will get there!

Hipkiss

Hiya,

Haven't done a goal thing for a few weeks now, but this week is going to be very difficult.

I start a new job next week, which for the first week I have to commute to London to their head office. So any chances of me having a spend free day are going to be totally out of it.

So, no goals for me this week I'm afraid


HK