£77,366.35 reasons to be debt free!

In_my_dreams

SH and S Worth - I completely agree with you about the £2 jar but I just can't bring myself to do it despite the :eek::eek::eek: month I'm going to have. I might ask the kids to open it for me instead :rotfl: I think I may need to go to £2 withdrawal counselling........

I have worked out exactly what needs to go away for car insurance, MOT, tax, house/pet insurance and if I start it properly in January then by March we should have a decent buffer there - fingers crossed.

Did most of my xmas shopping last night, going to finish it tomorrow and then look at the bank statements. I refuse to get myself stressed but I also know that I am rubbish at budgeting for xmas. I try so hard to draw a line at what I am spending on kids and family but everything seems so expensive.

I can only comfort myself with the fact that we are staying with family over xmas and don't have to buy any food and they refuse to let us bring anything apart from the xmas cake I'm making with the kids, so we will save a lot on food. I have also been notified I am getting £160 from quidco and can add this to £280 I normally put in savings when we get paid so it might not actually be as :eek::eek::eek: as I thought.......

savingholmes

Hi IMD - most people who do the £2 saving challenge tend to open it at the end of Nov and use it for their xmas spends....

In_my_dreams

Just told OH of my plan to break into the £2 tin and his reply was "you won't" :rolleyes: I will continue to work on him.

I spent ten minutes today peering through the hole and measuring how far down I could put a spoon to see how full it was - I do have a life really.....honest

lucielle

That's so funny!!!!! I collect £2s too. Once I get to £20 they go in a money bag and are 'forgotten' It I'm not at £20 they can be used but very grudgingly.
L

In_my_dreams

Waking up to huge leak in ceiling today forced hand re £2! Opened tin and found ........£250

S.Worth

Hi IMD & Lucielle! When you are planning your weekly budget, do you account for how much of it you will have to put in your £2 jar? This is surely an uncontrollable expense and it isn't really necessary. Just spend the money and treat it as excess money to your budget at the end of the week.

Lucielle, Where does it go when you say "it's forgotten"? Sorry to labor this point but it seems crazy to have large sums of money sitting around when they could at least be reducing an overdraft.

Sorry, I know these things are nice to have, it's like planning a surprise for yourself, just trying to give a different point of view.

SW

S.Worth

In_my_dreams wrote: »

Waking up to huge leak in ceiling today forced hand re £2! Opened tin and found ........£250

See I told you it was worth saving all those £2's up for a rainy day!!:o

In_my_dreams

Indeed a rainy day it was

For my sins will probably get another £2 tin as we have saved that in about 6 months and open it on 1st Nov 2010 as my Xmas spends.

Am fairly excited, albeit for only a moment, as now will have to find a roofer to fix my roof :mad:

S.Worth

In_my_dreams wrote: »

Am fairly excited, albeit for only a moment, as now will have to find a roofer to fix my roof :mad:

Get some recommendations, they can be roofless people;)

Is it not covered by your insurance?

InaPickle

S.Worth wrote: »

Get some recommendations, they can be roofless people;)

*Groan*