The 'Save £12k in 2012' thread!

Desperate_Housewife_2-2

Kittenkirst wrote: »

Made Nigellas breakfast bars yest for brekkies all week at work

they sound nice, any chance of a recipe please?

Desperate_Housewife_2-2

Poster_girl wrote: »

I phoned tfl but although my card is registered they said the details weren't there (???) and they couldn't help, I needed to speak to a different section and that section in turn said that they couldn't help and that I needed to speak to the first lot of people who then didn't answer their phones. So unfortunately, not had a lot of success there. Oh well, such is life I suppose.

Dont give up.

Write them a letter stating dates, times, places etc of journeys, all your details and ask them what to do to get a refund.

They will find it harder to ignore a written request.
Send it as high up the chain of command as you can and tell them that the people you rang up were unhelpful.
Good luck

Desperate_Housewife_2-2

Not got much to report in the way of saving as I have squirrelled away everything I can this month! We even went out for a pub lunch to celebrate DD1 birthday yesterday which is something we rarely do. I did check out the prices before we went though and we had a lovely time.I kept thinking I could have cooked it all cheaper at home tho...

A big thank you for running this thread and keeping up with the totals slowlyfading

newfoundglory

I would usually manage to save a grand, but not this month. The essentials you understand; £500 on car insurance, £150 on dentist/hygenist plus normal spending means a large credit card bill (but its a cash back credit card, so its not all bad news :D)

Will make up for it next month!

Well done everyone!!!

Poster_girl

Thanks for the suggestion Desperate Housewife.

My savings for this month are: £220.83 so not as much as I'd have liked but all things considered not a bad start. Onwards and upwards!

DP1985

Well done to everyone who has managed to save this month. :beer:

I will finalise my totals tomorrow, but if I am allowed, my totals for each month will effectively be change in net savings - ie: Savings less credit card debt.

Month was going well until the last couple of days. Had to get a plumber in today to fix our hot water - £100 later, though hot water is back mind. Also had my annual flat management charge letter through the post at the end of last week which I had forgotten about. Think I'm going to pay the 50% requested this month rather than early Feb, so that I get it out the way to concentrate on saving next month.

I was on target for saving at least £1k prior to that, so will be interesting when I work it out tomorrow how much I have saved.

Finally, what is everyone's opinion on including movements in shares in your total?
Personally I only think initial capital invested should count, not its latest value if it has gone up by X%? Just wanted to check as one of my shares has gone up a tidy amount this month, but feel it would be slightly wrong to include that, as it could quite as easily have gone up in Nov / Dec11 and therefore wouldn't have counted (plus it is only a paper gain as I haven't sold them yet).

Kittenkirst

Desperate_Housewife wrote: »

they sound nice, any chance of a recipe please?

Hey there, its this one; http://www.nigella.com/recipes/view/breakfast-bars-55 (not sure if that will work) but we didnt gave condensed milk so googled and made my own, I used what fruit we had in cupboard so no cranberries or peanuts (allergy) so used sultanas & chopped apricots. Boyf loved it too so will def be making regularly! (someone in the mealplan thread provided the link originally!)

MyLastFiver

saved £1300 this month, so that's £1000 into the cash ISA and £300 into a Stocks and Shares ISA for my kids' university fund. Haven't set up the S&S ISA yet - still searching for the best platform for my needs.

To be honest I've overspent this month (took my eldest son to London for the day - he wanted to go on the train), but some Ebay sales, and some wins on the horses! have enabled me to cover the overspending.

More discipline next month:
1. I will start a sealed pot
2. I will cycle to work at least once a week, saving £7 in petrol each time I do this

Congratulations to everyone who has saved this month.

MyLastFiver

DP1985 wrote: »

Finally, what is everyone's opinion on including movements in shares in your total?
Personally I only think initial capital invested should count, not its latest value if it has gone up by X%? Just wanted to check as one of my shares has gone up a tidy amount this month, but feel it would be slightly wrong to include that, as it could quite as easily have gone up in Nov / Dec11 and therefore wouldn't have counted (plus it is only a paper gain as I haven't sold them yet).

I agree with you on this. Liquid capital gains only for me. Paper gains are just that - you're no richer until you sell

Wobblydeb

MyLastFiver wrote: »

I agree with you on this. Liquid capital gains only for me. Paper gains are just that - you're no richer until you sell

Totally agree on this - it is too hard to keep track of too! The value of my S&S ISA moves up and down on a daily basis.

When I start putting extra cash into it in April, then I will count the money put into the ISA.