Starting out my journey !!! Altho its a small start

staceydaisy

Thanks Louba

Having a NSD today mainly due to the fact im staying in.
Gonna have a big clean up and sort out my kitchen cupboard.

Was bad yesterday bought myself some dinner in Asda was not very nice lets just say another lesson learnt.

Hope all are ok

Also hoping to budget later and find out whats left in current account before next wage to come in and will transfer it into savings and make a cc payment. Fingers crossed they will be a nice sum but as they say every little helps

burtap

Dear StacyDaisy
I have read your thread with awe. You have done so well. We are trying to reduce our mortgage too and you are totally right, it is little steps and often that make the bigest difference.

We have managed to save on our water bill by saving the cold water that comes through the shower before it gets warm, into a bucket and then using that to flush the loo - thats a bucket a Day = 2 toilet flushes = 730 flushes per year. Just need to work out how much water we use on a flush!! Save your rain water too and wash the car with it and water the plants.:T

Then I grew tomatoes last year and pick 16Kgs !!!! What do you do with so many tomoatos. Anyway I made Green Tomatoe chutney - WOW. Amazing stuff and gave some as Christmas presents which went down really well. If you are going to do this, make sure you save all your old jam jars for a fair few moths before hand. I'm now a mad jam jar collector - friends and family all donate as well.:beer:

I made marmalade the other day and that has been really popular as well.

Making home made bread is another great saving (over a long period of time through if you are buying a machine). I make bread everyother day and it costs 55p per loaf inc electric for the breadmaker. Started out with a secondhand breadmaker someone didn't want and we have not looked back.

Home made cakes are also great gifts too and people really appreciate them - Delia's victoria sandwich recipie is fail safe.:A

I find a really good motivational tool is keeping a track of how much interest you have saved over the course of your mortage everytime you pay some off. That really mounts up - we have topped £12,600 in interest saved.:j

Keep up the fab work. I shall keep reading.

staceydaisy

thanks burtap nice too hear your advice any is apprieciated lol !!

Well just an update done my budgeting and have managed to pay another £10.00 on CC and put £55.00 to my savings account will have to get round to changing my signature.

staceydaisy

Having another NSD today whoo hoo lol !!

Gonna have a good meal planning session and work out what I can cook with what Ive got in.

Wish me luck

bevan840

Good luck with meal plan, I can never get mine right, problem for me is DH. I decide what we're having on what nights, get to that night, remind him what we're having and get 'I don't feel like that tonight' Grrr Men! lol

staceydaisy

lol!!!

I understand you fully. Im happy to bung a pizza in for weekend dinners but oh no he wants burger king maccyds whateveer.

So the cost jumps up ridiculously but what do we do. He earns most of the income for our side he has to have his treats

HarveyGal

Hi staceydaisy. My DS2 is wont to prefer a burger king-maccyds-whatever...and has no interest at all in my MFW quest!
I enjoy reading these threads but I am aware I could spend a huge amount of time reading these boards...I am trying to limit my addicitons. I daren't start my own thread but am enjoying reading others. Thanks for all your posts.
Good Luck.

bevan840

He doesn't like pizza either lol he's a chinese/indian liking man and would probably have them daily if I didn't 'frown' at him on the third day!! lol Plus I stopped buying so many to try and reduce the amount of it he eats. He earns about £30 more than me so I'm lucky I can call us almost equal Once I'm qualified I might end up earning more than him though so will see how that affects the grocery balance hehe I try and make homemade curry's atleast once a month as the boys like them too

Luckily we don't have a mortgage yet so I don't have to worry too much about that part, just to get rid of all the cards and loans, then focus on deposit

staceydaisy

Morning All

Ive just transferred £140 to my savings and £10 to my CC.

I now use the system that what is left in the current account the day before payday goes into my savings and CC.

Good news ive had 2 NSD`s this week already yay!!!!!!!!!!!!!1

Meals have been planned up to fri and im sticking to it.

I go to mablethorpe in 5 weeks and have to save for that too god knows how Im gonna manage to save it all.

MOT due 23rd must get this sorted MUST DO!!!!!!!!!!!!!!!!!!!!!

Wish me luck hope all have really good days.

Sorry for long post not been on a while lol

gallygirl

staceydaisy wrote: »

Morning All

Ive just transferred £140 to my savings and £10 to my CC.

I now use the system that what is left in the current account the day before payday goes into my savings and CC.

Good news ive had 2 NSD`s this week already yay!!!!!!!!!!!!!1

Meals have been planned up to fri and im sticking to it.

I go to mablethorpe in 5 weeks and have to save for that too god knows how Im gonna manage to save it all.

MOT due 23rd must get this sorted MUST DO!!!!!!!!!!!!!!!!!!!!!

Wish me luck hope all have really good days.

Sorry for long post not been on a while lol

Well done :T. As for Mablethorpe savings, well, where there's a will there's a way, your NSD's will help there