Newbies' 10K in 2010 Challenge!! :)

Snowdonlily

Thank you shadydaz, I can't wait for payday now, so I can update my signature!!

lauhen

So far i have 6 more weekend shifts booked in with the last being on 23rd january. I must ring every week (friday always seems to be a good day to phone), to get more shifts, they only let out shifts for a few weeks in advance, so i must must ring every week, as the money i am earning from my job is all going to the debt.

peetzil39

Right I can't stand it anymore, have had to update sig. Just renegotiated my phone and broadband contracts, and this will save me £173.76 over 2010 :jso I've included it in my total as the extra £14.48 every month will automatically go to my overdraft, or cc when OD cleared (I hated seeing that big fat ZERO )

shadydaz

Brilliant peetzil39. Lovin' it

Boomdocker

Just seeing that some people are counting savings made on purchases and bills etc. Are you counting that as you have made a theoretical saving that you otherwise would have spent or are you only counting it if you have banked/utilised the saving.

ie I just ordered a present at RRP £20 reduced to £6 in a sale. Should I count a £14 saving or only if I actually bank £14 in my savings. Does that make sense?

What's the consensus?

loumac

Boomdocker wrote: »

ie I just ordered a present at RRP £20 reduced to £6 in a sale. Should I count a £14 saving or only if I actually bank £14 in my savings. Does that make sense?

What's the consensus?

Boomdocker - I would count it if I banked the saving or if as peetzil says that saving will mean you're going less overdrawn so in effect paying towards that debt. I guess it's totally your call though!

s0237276

I'm only counting it if I actually put the money 'saved' into my pot....but thats because I'm doing the challenge to save 10k.
Being sinful and having a big night out tonight - hopefully will manage not to spend too much!

skaps

Boomdocker wrote: »

Just seeing that some people are counting savings made on purchases and bills etc. Are you counting that as you have made a theoretical saving that you otherwise would have spent or are you only counting it if you have banked/utilised the saving.

ie I just ordered a present at RRP £20 reduced to £6 in a sale. Should I count a £14 saving or only if I actually bank £14 in my savings. Does that make sense?

What's the consensus?

I would bank the saving as this will help you get closer to yr target. This is a really good idea and am now going to start doing this for some of my purchases. Have a top to return to Tesco so will put this money into my savings.

I am going all out for it, have signed up to do a club at my school and am going to start tutoring too. All this money is going straight into the 10K fund.

dizzybee

hi, everyone manged to pay £100 off the rent today nearly cleared i will clear this by the first of feb sold a few more bits on e bay so shall list a few more.

shadydaz

Well Done DBee