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Ruby's "Stop Spending, Start Saving" Diary

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  • edinburgher
    edinburgher Posts: 13,843 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Belated Christmas wishes Ruby (and congrats on the BB win!) :starmod::snow_grin
  • ruby_eskimo
    ruby_eskimo Posts: 4,795 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks EB! Belated wishes to you too!

    I've just returned from a shopping trip and a half. I went purely with the intention of using some vouchers and gift cards and that was it. The Boyfriend treated me to Pizza Hut Buffet and Avatar (made me cry!) and then lured me into Lush. Where I spent £60! Ok so £20 of that was a present for his sister which he is going to give me the money for, and then I got 3 free grab bags with loads of stuff in them. But I feel bad for not listening to myself and stopping myself from buying. The only thing I can do in future is leave the debit card at home.

    At least I'm well stocked up for the year!
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • zigmeister
    zigmeister Posts: 1,099 Forumite
    Hey Ruby, I know how you feel about going overboard with the Lush stuff, I've done the same with Soap & Glory! :o But positive thinking, you won't have to buy any for ages!

    I had to stop myself buying a Filofax after reading about your new one, it sounds gorgeous!

    Enjoy your lovely New Years plans! :beer:
    Total Debt (Dec 2015) £11,500 : Currently £7,675
    House Deposit Savings : £8,600/£25,000
    Lose 21lb : 0/21
  • Thanks Zig, glad to hear I'm not the only one! I just counted through it all and I definitely won't have to buy anything bath or shower products for a while. However one of the soaps smells a bit funny to me so that will be relegated to hand washing duty me thinks!

    As for the filofax, it hasn't arrived yet (hopefully tomorrow!) but I am very very excited about it. Here's to 2010 being a more organised year!

    I'm very excited about NYE now, never used to be, I've even rummaged to find the fancy underwear the Boyfriend bought me when we first go together. Hopefully he'll appreciate it!
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • ruby_eskimo
    ruby_eskimo Posts: 4,795 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Happy New Year everybody! Hope you all had a great time, I know I did! It was nice to just relax and chill while drinking expensive champagne!

    As for the MSE front, I am now £400 back in my overdraft after Christmas and things. Therefore I am going on a selling kick. I have already rooted around in my Lush stash and found a whole bunch of things to sell on their forum. If they don't go there then they will be listed on eBay. I have put some books on Amazon and plan on selling some shoes on eBay too that I have hardly worn and don't really fit me properly. I have 26 days till I get paid, I've decided to use the Virtual Sealed pot and house fund to pay off the overdraft just before I get paid so that I start from £0 with my wages and hopefully won't dip into the overdraft again!

    Here's to 2010 being a great year!
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Happy New Year Ruby! :beer:
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P
    roud to be dealing with her debts 1198~

  • ruby_eskimo
    ruby_eskimo Posts: 4,795 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks Pickle!

    Just popped in to say I won £50 tonight on Bingo Britain! Lets hope I win something on the Euro Millions tonight as well!
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Oh well done, particularly with the new rules! :) I won nothing, alas, and I forgot to put a ticket on the lottery. I need to put one on for next time.
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P
    roud to be dealing with her debts 1198~

  • ruby_eskimo
    ruby_eskimo Posts: 4,795 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Won £10 on the lottery tonight and another £5 on BB so that's £65 this week! Plus I've managed to make £10 from selling 2 things on the Lush forums! Things are looking up!
    Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £
    LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Won £10 on the lottery tonight and another £5 on BB so that's £65 this week! Plus I've managed to make £10 from selling 2 things on the Lush forums! Things are looking up!

    Get you! At the rate you are going you'll be able to sort out the fall-out from the banking crisis as well in a couple of months! ;)
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P
    roud to be dealing with her debts 1198~

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