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Not much but getting there...
emmarbos
Posts: 183 Forumite
WOW have done so well recently.
Each month i put awy £250 towards my £25,000 house deposit in an ISA, and I started last month.
I also put away £150 into a savings account for presents, and clothes shopping.
I recieve a 10% profit share from work each year of £1375, which is going to go on holidays. So each year that is paid for, but any that I don’t spend in a year gets rolled over to the next year.
Xmas presents
I probably spend £400 on Chrismas Presents each year:
I have considerably reduced this using Quidco.
Mum - West End Dinner & Theater Ticket for 2 = £50.36 from me from Fundays
Bottle of Baileys = £13.99 from Last Orders (5% cashback) from my BF.
Dad - 6 Bottle spirit & liqeuer making starter kit from = £42.00 and £5 P&P from me.
Bottle of Jamesons = £16.99 from Last Orders (5% cashback) from my BF (£6.99 P&P for Last Orders)
BF Mom – West End Dinner & theater Ticker for 2 (as above) from both
BF Sis – Hair & Make-up & photo - £46.36 from both
BF Bro – T-shirt Go2Retro £15.00 + £1.95 P&P (10% cashback)
BF – Tattoo Vouchers at best tattoist in Brum £50.
T-shirt Go2Retro £17.99 + £2 P & P (10% cashback)
Optimus Prime figurine £20.99 + £3.50 P&P.(10% cashback) Epicheros
Dog – From Pet Planet – Santa Bandana £3.99 + £3.99 P&P (5% cashback)
Cat – From Pet Planet – Dangly santa £5.99
Box of catnip £1.39 ( £3.99 P&P 5 % Cashback)
Total from Last Orders for my BF
£13.99 + £16.99 + £6.99 = £37.97
with 5% cashback = £1.90
Total spending from Last Orders = £36.07
Total from Fundays from me
£59.00 + £3.95 box set = £62.95
with 20% discount = £12.59
Total spending from Fudays = £50.36
Total from Fundays from me & bf
£59.00 + £3.95 + £54.00 + £3.95 = £120.90
with 20% discount = £24.18
Total spending from Fundays for me = £48.36
Total spending from Fundays for bf = £48.36
Total from Go2Retro
£15.00 + £17.99 + £3.95 = £34.94
With 10% cashback = £3.46
Total spending from Go2Retro by me = £27.01
Total spending from Go2Retro by bf = £7.63
Total from Easybrew
£42 + £5 P&P = £47.00
Total from Modern Body Art
£50 = £50
Total from Epic Heros
£20.99 + £3.50 = £24.49
with 10% cashback = £2.45
Total spending = £22.04
Total from Pet Planet
£3.99 + £5.99 + £1.39 + £3.99 = £15.36
with 5% cashback = £0.77
Total spending = £14.59
Total Spending from me = £259.36
Total Spending from Bf = £92.06
So as you can see here I am making HUGE savings from what I usually spend.
I have £175.68 today in my savings account and 2 more installments of £150 will be going in there before Christmas, therefore having £475.68 for Christmas. I will have £216.32 in there after pressies.
I currently have been putting any pennies into a piggy bank and have banked up £24.24 from 4 weeks ago to the day. This will pay for my festival ticket next year of £135, which is in June.
I have £350.09 sitting in my ISA at the moment, which will go towards my £25,000. I have got £60 to put in there, profit from selling holiday ciggerettes, and £50 I earnt at work for having a fab week, on top of that I have £10 in pasoes which I need to change in the bank with my commision free money. I am selling a ring from an old bf for £65, and have recieved a bonus at work of £535 this quarter which I am getting in November, I will also be adding and addition £500 going in this ISA before Christmas. The minumum total at new year will be : £1570.09.
Woop had a rise as well, my salary is £13,750, and the company are now contributing £171.88 into a pension for me each month. Which im extatic about, as my total value account is now £15,812.56 then on top of this i get a guarenteed bonus of 10% profit share, and have a commision bonus of a possible £12,000. The performance bonus asside, my TOTAL PACKAGE is worth, £17,187.56, which can be taken into account for staff mortgages BONUS!
Ive set myself £100 to spend on crap next month, anything I dont spend goes into the piggy bank festival ticket fund.
Im finding that this way I am saving more, and not spending my money on useless bits and bobs. I think i will keep my spending at £100 on crap each month, and any time that i get a little extra money it will go towards my £25k deposit, because "every little helps"
im also finding that setting the mse site as the homepage to my laptop helps tromendously. Its a constant reminder.
***********************************
Projected new year balances
ISA - £1570.09
Savings – £216.36
Festival - £50 ish
Only £23,429.91 to go.... will keep you all updated.
Each month i put awy £250 towards my £25,000 house deposit in an ISA, and I started last month.
I also put away £150 into a savings account for presents, and clothes shopping.
I recieve a 10% profit share from work each year of £1375, which is going to go on holidays. So each year that is paid for, but any that I don’t spend in a year gets rolled over to the next year.
Xmas presents
I probably spend £400 on Chrismas Presents each year:
I have considerably reduced this using Quidco.
Mum - West End Dinner & Theater Ticket for 2 = £50.36 from me from Fundays
Bottle of Baileys = £13.99 from Last Orders (5% cashback) from my BF.
Dad - 6 Bottle spirit & liqeuer making starter kit from = £42.00 and £5 P&P from me.
Bottle of Jamesons = £16.99 from Last Orders (5% cashback) from my BF (£6.99 P&P for Last Orders)
BF Mom – West End Dinner & theater Ticker for 2 (as above) from both
BF Sis – Hair & Make-up & photo - £46.36 from both
BF Bro – T-shirt Go2Retro £15.00 + £1.95 P&P (10% cashback)
BF – Tattoo Vouchers at best tattoist in Brum £50.
T-shirt Go2Retro £17.99 + £2 P & P (10% cashback)
Optimus Prime figurine £20.99 + £3.50 P&P.(10% cashback) Epicheros
Dog – From Pet Planet – Santa Bandana £3.99 + £3.99 P&P (5% cashback)
Cat – From Pet Planet – Dangly santa £5.99
Box of catnip £1.39 ( £3.99 P&P 5 % Cashback)
Total from Last Orders for my BF
£13.99 + £16.99 + £6.99 = £37.97
with 5% cashback = £1.90
Total spending from Last Orders = £36.07
Total from Fundays from me
£59.00 + £3.95 box set = £62.95
with 20% discount = £12.59
Total spending from Fudays = £50.36
Total from Fundays from me & bf
£59.00 + £3.95 + £54.00 + £3.95 = £120.90
with 20% discount = £24.18
Total spending from Fundays for me = £48.36
Total spending from Fundays for bf = £48.36
Total from Go2Retro
£15.00 + £17.99 + £3.95 = £34.94
With 10% cashback = £3.46
Total spending from Go2Retro by me = £27.01
Total spending from Go2Retro by bf = £7.63
Total from Easybrew
£42 + £5 P&P = £47.00
Total from Modern Body Art
£50 = £50
Total from Epic Heros
£20.99 + £3.50 = £24.49
with 10% cashback = £2.45
Total spending = £22.04
Total from Pet Planet
£3.99 + £5.99 + £1.39 + £3.99 = £15.36
with 5% cashback = £0.77
Total spending = £14.59
Total Spending from me = £259.36
Total Spending from Bf = £92.06
So as you can see here I am making HUGE savings from what I usually spend.
I have £175.68 today in my savings account and 2 more installments of £150 will be going in there before Christmas, therefore having £475.68 for Christmas. I will have £216.32 in there after pressies.
I currently have been putting any pennies into a piggy bank and have banked up £24.24 from 4 weeks ago to the day. This will pay for my festival ticket next year of £135, which is in June.
I have £350.09 sitting in my ISA at the moment, which will go towards my £25,000. I have got £60 to put in there, profit from selling holiday ciggerettes, and £50 I earnt at work for having a fab week, on top of that I have £10 in pasoes which I need to change in the bank with my commision free money. I am selling a ring from an old bf for £65, and have recieved a bonus at work of £535 this quarter which I am getting in November, I will also be adding and addition £500 going in this ISA before Christmas. The minumum total at new year will be : £1570.09.
Woop had a rise as well, my salary is £13,750, and the company are now contributing £171.88 into a pension for me each month. Which im extatic about, as my total value account is now £15,812.56 then on top of this i get a guarenteed bonus of 10% profit share, and have a commision bonus of a possible £12,000. The performance bonus asside, my TOTAL PACKAGE is worth, £17,187.56, which can be taken into account for staff mortgages BONUS!
Ive set myself £100 to spend on crap next month, anything I dont spend goes into the piggy bank festival ticket fund.
Im finding that this way I am saving more, and not spending my money on useless bits and bobs. I think i will keep my spending at £100 on crap each month, and any time that i get a little extra money it will go towards my £25k deposit, because "every little helps"
im also finding that setting the mse site as the homepage to my laptop helps tromendously. Its a constant reminder.
***********************************
Projected new year balances
ISA - £1570.09
Savings – £216.36
Festival - £50 ish
Only £23,429.91 to go.... will keep you all updated.
0
Comments
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That's good going. Welcome to the site! :j :T0
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well done, im beginin to save money from this site 2 weeks ago my food shop was £66.87, last week was £19.60 hoping saturday will be about £50. im trying to not have the heating on, have showers, not use the car in the week, , not use tumble dryer,not phoning mobiles, use texts as get 300 free a month with o2 pay as u go. i get paid this week, most on bills, debt i owe and pay counciltax gonna try and save £100 for xmas. iuve started goin £1 shop already for pressies and found a great car boot this week to go to on wednesdays, had a stall with coats on for 50p, cant be bad!!!!! thanx msei will be debt free, i will0
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well done, im beginin to save money from this site 2 weeks ago my food shop was £66.87, last week was £19.60 hoping saturday will be about £50. im trying to not have the heating on, have showers, not use the car in the week, , not use tumble dryer,not phoning mobiles, use texts as get 300 free a month with o2 pay as u go. i get paid this week, most on bills, debt i owe and pay counciltax gonna try and save £100 for xmas. iuve started goin £1 shop already for pressies and found a great car boot this week to go to on wednesdays, had a stall with coats on for 50p, cant be bad!!!!! thanx msei will be debt free, i will0
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My biggest saving from this site has not been money ... it has been TIME - I now don't waste time reading adverts and trying to work out if this or that account would be worth opening...I dont ring round several insurers looking for the best deal, I can go to a comparison website ive learnt about on here...I dont search the web for the best prices, I let a price compariosn search engine do it for me
Tim eis worth far more to me than money...so THANKS everyone, esp Martin0 -
Emmarbos.....what a star you are !! Not much but getting there is an understatement !! You are doing superbly well !! Keep it up and let us know how you get on.Thanks to MSE I cleared £37k of debt in five years and I was lucky enough to meet Martin to thank him personally.0
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thank you, post revised now, with new news and xmas spending / saving0
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