I am scared to admit it....

ZTD

Wonder_Girl wrote:

I found it good to keep a spending diary, every penny that you spend written down, makes you think, did I really need to spend £30 a month on magazines? NO! so now I don’t. we found it was the odd £10 or £20 out of the cash point here and there that was for nothing at all, now we have £10 pocket money a week each

As the unofficial Spend-Diary Nag, I would second that.

*zippy*

I was sat here eating a cream cake

Had to post and say well done-you look fab :T

msmicawber

Wow - look at you! This unaccounted for money each month wouldn't be going on clothes and shoes for the new-look you would it?!

Seriously, though, since you lost so much weight so quickly, I imagine you did/will have to completely replace your wardrobe. Why not get yourself over to the factory outlet shops in Bicester where you can get some great bargains.

ZTD

*cough* Look at the finances... *cough*

Hello

Oh my word, what a transformation. Seriously well done. :T

I third the spending diary thing, however I find it helps putting the spending in before I get to the checkout (in single-ish purchase shops, not Tescos, not good with adding up!!) as it does make me double think - this could be going towards a debt instead.

oops_a_daisy

well done on your weight loss. As said before definately get yourself a little book and log every spend in it - you will soon see where you are frittering away your dosh. I have made some points below on your outgoings that you may be able to make savings on.

£30 a month for my phone bill - is this a mobile ? if so could you get a better deal ?
£18 a month for my contact lenses - dont know much about contact lenses or their costs but I think there is informaion on this website somewhere on how to knock down the costs
£6 a month phone insurance - check to see if this is covered by home insurance
£43 gym membership - can you go to a cheaper gym ?

Oh and as said before if you can balance transfer to a 0% card you would save all that interest every month - I think all of the free balance transfers have now ended so you would have to pay around 2% to do the transfer but that would be saved by not paying interest.

good luck and all the best - OOPS

all_hours

Well done - that's amazing. :T

joolz43

Well done, you look amazing. With help from the folks on here hopefully you can be debt free soon too.

Well done!!

anniestar

Wow you look FANTASTIC. Very well done. Good luck with your money saving.

djdymond

i also wanted to add my "oh my god , you look amazing!" post!

im sure once you get to what you want to be and the lighterlife diet stops, obviously thatll give you some cash. i believe fitness first is a cheaper gym but it depend on if you have a contract which im guessing you do as most do these days!

and yes i think a spending diary type thing is the key. i used to look back at statements and count up how much id spend on amazon, ebay, new look and more importantly take aways!!! that was a bit of a wake up call!!