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Making every penny count

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Comments

  • taxi73
    taxi73 Posts: 20,815 Forumite
    Good luck with the goals ..they sound good.
  • 40somethingmum
    40somethingmum Posts: 2,513 Forumite
    Thanks Mrs R & Taxi;)
  • 40somethingmum
    40somethingmum Posts: 2,513 Forumite
    Inspired by a magazine article which I read over the weekend I am going to set myself up with a challenge for the next 4 weeks.

    The Challenge is :

    In the next 4 weeks I must not spend any money on any of the following :


    1. lunches ( should be ok if I am organised)
    2. Magazines ( WAS my weakness but have not bought one in ages)
    3. CDs /DVDs ( easy for me but this is DH's weakness;))
    4. Takeaways
    5. Eating out
    6. Entertainment
    7. Alcohol :eek:
    8. Groceries we do not need ( meal planning is therefore essential)
    9. Clothes
    10. Makeup/Tolietries
    11. Haircuts

    I will review my progress ( & DHS:)) at the end of each day and report on here as to how I have got on.;)

    Wish me luck

    40SMXx
  • That's quite a challenge: I was weak today and bought some jeans..... In my defence, they were reduced to £12.50 and have a short leg length, which I can't always get, so I tend to snap them up when I can. In fact they are a duplicate of a pair I already have - not sure if that makes it better (means I def like and will wear) or bad (means am slightly OCD).

    May have said this before, but at risk of repeating myself, am former mag junkie myself but now use my Tesco vouchers to subscribe instead - it's a good way to get a year's use out of them!

    Mrs R
    #Tesco 0% NIL Jan 2010
    # RBS 3.9% NIL Oct 2010
    # Virgin 0% £2670.92 Oct 2010
    # RBS O/D NIL - repaid with redundancy pay Jan 2010
  • honeybear_2
    honeybear_2 Posts: 3,914 Forumite
    Inspired by a magazine article which I read over the weekend I am going to set myself up with a challenge for the next 4 weeks.

    The Challenge is :

    In the next 4 weeks I must not spend any money on any of the following :


    1. lunches ( should be ok if I am organised)
    2. Magazines ( WAS my weakness but have not bought one in ages)
    3. CDs /DVDs ( easy for me but this is DH's weakness;))
    4. Takeaways
    5. Eating out
    6. Entertainment
    7. Alcohol :eek:
    8. Groceries we do not need ( meal planning is therefore essential)
    9. Clothes
    10. Makeup/Tolietries
    11. Haircuts

    I will review my progress ( & DHS:)) at the end of each day and report on here as to how I have got on.;)

    Wish me luck

    40SMXx

    :eek:

    Cripes! Good luck, honey ;) :rotfl:

    No goals here as yet - will have a ponder this week :)
    @ LBM = £15,872.65, now £10,819.82
    AF Jan = 7/? Feb = 5/14 Mar = 14/20 Apr = 6/14 May = 2/14 June 2/14 July 0/TF Aug 1/TFv Sept 6/TF Oct 4/7
    "NEVER DOUBT YOUR OWN QUALITY"
  • REDMADCURLS
    REDMADCURLS Posts: 3,766 Forumite
    Goodness ........no pressure then 40SM - but good for you to have the idea and even put it to paper...I would still be procrastinating about thinking about having some goals! (They are also GREAT ms goals)
    LBM Feb 2010 £62,700 Total Debt Jan 11 [STRIKE]£49,403.84[/STRIKE] £47,530.32.
    (CC/LOAN = [STRIKE]36,378.98[/STRIKE] 35668.47. O/D = [STRIKE]1255.32[/STRIKE] 1212.35/[STRIKE]1999.78[/STRIKE] 1934.52, BUS = [STRIKE]9769.76[/STRIKE] 8714.98)
    Challenge = Debt at 31/01/12 = £25k. 2011 Payments = £1,944.19/£24,403.84

    There is no point in negative thought, it takes up time and energy which could be used in a positive, happy way!
  • ruby1968_2
    ruby1968_2 Posts: 498 Forumite
    :)Have a good day hun, interesting challenge was it a LBM:idea: Am having plenty of them at the moment but my bulb often blows:rotfl:trying 1 day at a time at the mo :think: which is a bit easier, having horrific time with DS :eek: Can't seem to win with whatever I say or do, thankfully he's going to his grandmothers for 3 weeks on saturday :j CAN'T WAIT, well of shopping today going with friend she's a a great MSE so between us we do rather well.

    have a good day chat soon.

    rubsxx
    :oDH CC £969.00, bank loans *2 £27634.00,Overdraft=£696.00 Total Debts to Tackle = £29299:o sealed pot member 923=£26.99, £2 club member 75 = £0.00 2011 challenge member 36
  • 40somethingmum
    40somethingmum Posts: 2,513 Forumite
    Goodness ........no pressure then 40SM - but good for you to have the idea and even put it to paper...I would still be procrastinating about thinking about having some goals! (They are also GREAT ms goals)

    I agree it does look like a long list but TBH I don't spend a lot on some of the items ( takeaways, eating out etc. ) My hair has not been cut for months and months so is now verrrry long. Do all DFW have long hair ?

    This just makes me focus on the things I do spend money on and therefore think about every penny before I spend it .
  • 40somethingmum
    40somethingmum Posts: 2,513 Forumite
    :(
    ruby1968 wrote: »
    :)Have a good day hun, interesting challenge was it a LBM:idea: Am having plenty of them at the moment but my bulb often blows:rotfl:trying 1 day at a time at the mo :think: which is a bit easier, having horrific time with DS :eek: Can't seem to win with whatever I say or do, thankfully he's going to his grandmothers for 3 weeks on saturday :j CAN'T WAIT, well of shopping today going with friend she's a a great MSE so between us we do rather well.

    have a good day chat soon.

    rubsxx

    On day at a time is good... its the only way sometimes:) I totally sympathise with you re DS:( ( Hugs) :A
  • 40somethingmum
    40somethingmum Posts: 2,513 Forumite
    The Challenge is :

    In the next 4 weeks I must not spend any money on any of the following :


    1. lunches ( should be ok if I am organised)
    2. Magazines ( WAS my weakness but have not bought one in ages)
    3. CDs /DVDs ( easy for me but this is DH's weakness;))
    4. Takeaways
    5. Eating out
    6. Entertainment
    7. Alcohol :eek:
    8. Groceries we do not need ( meal planning is therefore essential)
    9. Clothes
    10. Makeup/Tolietries
    11. Haircuts

    All of the above acheived yesterday:T A NSD for me:j:j

    Achieived 7.5 hrs yesterday at work so thats 7.5/45 for the week:)

    Eggs are currently boiling for today's lunch;)

    Have a good day all :D

    40Smxx
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