WelshWoofer's Staying Debt Free Mission

WelshWoofer

On the subject of food I've just done the shopping list and meal plan for next week. I'm attempting a less than £20 week although I think dog food might tip me over. Oh well, he has to eat!

I've been on strike today but ended up working all afternoon at home marking yr 11 exams - at least they're done now. But, its a day's pay lost:(

I've just dug out a couple of cards from my stash to give to birthday friends tomorrow - glad I remembered in time, otherwise I'd have ended up buying grossly overpriced ones from the shop on the way to work.

My sister has bought me a load of moisturisers and cosmetics for Xmas (at my request) and I'm trying to make what I have last until then. So I've just been through the bathroom cabinet and drawers to dig out any trial sizes and ends of bottles that I can find to use up over the next few weeks. The one I'm using now will probably last until the weekend and then there's 3 weeks to eek things out for - will probably just about make it. I refuse to buy more!

linz

Ahh I already do Valued Opinions and don't think that much of them tbh, keep getting screened out, grrr

savingholmes

Hi WW hope you manage to meet your target

WelshWoofer

Just back from battling the bonkers weather and the shops -went to Poundland, Ald*, Mr S and Farm Foods and managed to spend a total of £19.41:j

The only thing I didn't get was shampoo and conditioner - nothing good on offer so decided to try to stretch what's left until next weekend.

It was mostly fresh stuff (F&V) and dog food and a few treats for the weekend (came in at about £1.50 so not too bad, mostly Mr S basics stuff).

I'm really trying hard to stay within budget this month so I'm on a use it up week to empty the freezer a bit and make some cupboard space for the mammoth Xmas shop (family are coming to me for 3 days this year).

WelshWoofer

Just had an exhausting 90 mins cleaning the house - all done now and looks nice and spruce!

Have just checked the bank and have £60 ish to last until the 14th - I have no big plans to go out anywhere expensive and will do another minimum food shop next week (£25 at the most) so I should make it. There's always the overdraft or savings for an emergency but I don't want to use them if at all possible.

I'm planning a bit of a lazy afternoon watching the rugby on telly and having a bit of a rest, maybe even a glass of wine - how decadant!

WelshWoofer

I've decided to start a new e-savings account to put a few pounds each month towards the insurances so I don't have to have a direct debit for at least one of them next year.
Lloyds is my current account bank and they have a really good online service so I've just opened an account (took less than a minute - always amazes me for some reason!) and deposited the first £5. If there's anything left the day before payday I'll transfer that too.

Just a year ago I was obsessive about paying my debt back and now I seem to have transferred to obsessing about saving!
I now have a current account, 2 savings accounts (including an ISA) for not to be touched money (about £3500 in them), a living room redecoration account (£200), an everyday account for nothing in particular (£100 ish, used to be for Xmas but that's all paid for now) and now the new "insurances" account.:rotfl:

I think that when the "nothing in particular" account gets to £250 I'll transfer the excess £150 to the not to be touched account leaving £100 for a contingency. Then repeat!

Very complicated this saving lark isn't it?:o

savingholmes

Well done - I put £250 into savings today - not sure how long it will stay there but its a start

WelshWoofer

savingholmes wrote: »

Well done - I put £250 into savings today - not sure how long it will stay there but its a start

That's fab! A nice healthy chunk of cash.

Just back from a freezing cold and wet dog walk - not pleasant.

School work and general faffing on the agenda today - hopefully 3 hours or so will be enough to get everything done. We'll see....

Lemon_Tree

i have lots of savings accounts like you for various things and i wouldn't be without them. I'll soon have a savings account for decoration funds, how do you decide when you'll finally get around to doing each room? Patience isn't really my strong suit so i'm worried i'll just say s*d it and start pulling paper off walls.

savingholmes

Hi LT - I'm just get on with the thing person....

Hi WW = hope you are having a good week