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Going to start saving.
fkelanne
Posts: 706 Forumite
Hiya all, i have just sat down and worked out all my incomings and al my out goings.
My income is £2920 per month.
My outgoings are £2052 per month.
And im not saving any of what is left over, dont ask where it goes because i dont really no my self!!! i no thats bad.
HAS ANYONE GOT ANY TIPS THAT I CAN USE TO TRY AND SAVE?
I want to start straight away. thanks
My income is £2920 per month.
My outgoings are £2052 per month.
And im not saving any of what is left over, dont ask where it goes because i dont really no my self!!! i no thats bad.
HAS ANYONE GOT ANY TIPS THAT I CAN USE TO TRY AND SAVE?
I want to start straight away. thanks
savings for 2012.. New year new me.. Going to save save save... and not spend spend spend. :rotfl:
WANT £7000 BY JAN 2012.
Jan -£80
Feb -
March-
WANT £7000 BY JAN 2012.
Jan -£80
Feb -
March-
0
Comments
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Open an internet saver account somewhere and setup a standing order on payday?0
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Do a diary of every penny you spend over 2 months - everything. Then you will see where the surplus is going and can budget better - perhaps a certain amount to spend frivoulously and a certain amount to save.Please do not quote spam as this enables it to 'live on' once the spam post is removed.
If you quote me, don't forget the capital 'M'
Declutterers of the world - unite! :rotfl::rotfl:0 -
Go through your bank statements for the past few months to work out where it went and what behaviour you will change. Think about your money a bit more and stop spending on chaff that doesn't give you great enjoyment.
Open an easy access savings account and transfer £600 (to start with) at the start of the month then keep an eye on your current account and be very embarrassed if you need to transfer any back. A month or so later transfer the money into a longer term savings account such as an ISA. Aim to at least fill your ISA -£5100 every year.But a banker, engaged at enormous expense,Had the whole of their cash in his care.
Lewis Carroll0 -
What TUS and theoretica said
Get it out of your account so you're less likely to spend it - I feel VERY guilty having to borrow back from savings if I've miscalculated one month so it rarely happens the following month!0 -
Set up and ISA or instant saving account and set up a standing order from you current account on payday. This means that you pay yourself first and you will soon the money pot getting bigger.
I second the idea of a spending diary, it's so easy to just fritter money away on a mag or choccie bar, lunch ets without even noticing!0
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