Is anyone starting from scratch???

daz378

i have to pay out about 900 amonth on an income approx 1150 to 1250 month dependant upon enhancements weekend , the remainder i spend on shopping,lottery , transport , used to be on 1400-1500 a month . so october started spending diary , got a pad(a4) and a binder , wrote what i spent each day (£90 transport monthly) may get it down to 55-60 this month) and 90 on eating out , again down to hopefully 55 and shopping also hoping to save , anything saved i will pay % of credit cards owed and extra food for cupboard , hope to have by next year saved /cleared 200 monthly direct debits.... but "Man plans.... god laughs"

Brokeattheminute

Have £1150 saved from September now!Am going to give myself a wee break over Christmas and start saving again in the New Year.HAPPY CHRISTMAS FELLOW MONEYSAVERS!

davenport151

Brokeattheminute wrote: »

Have £1150 saved from September now!Am going to give myself a wee break over Christmas and start saving again in the New Year.HAPPY CHRISTMAS FELLOW MONEYSAVERS!

Happy Christmas to you Broke & to everyone else. Here's to a successful money saving New Year as well.

You have done amazingly well! Whats great about saving is the mindset it gets you into. Enjoy your Christmas you deserve it!

Will update stats as usual at end of month. Our payday is 31st. I am quite thankful they do not bring that day forward. A bit too tempting!
As I mentioned I will be down on my target. BUT I have really only spent on the essentials for Xmas and not frittered money away-which I would usually have done if I had extra. Plus this money has done exactly what it was supposed to do - a cushion for those harder times. Here's to the end of January!

Tiglath

I'm starting from scratch. I'm chowing down on debt between now and mid-2014 to get personally debtfree - being very disciplined about it and snowballing debts in turn. From February we're saving £100/month to deal with regular car things like road tax and MOTs. I've set a target of £1000 in the 'Save £12k in 2013' thread. Once the debts are gone, I'm aiming to build up a 3-month emergency fund with approx £800-1000/month, but for now I have 42p in a savings account! I've got a debtfree diary on here and am seeing some great positive debt reductions - it's just a question of being consistent. I'll get there

davenport151

Hi Tiglath & welcome!
Your savings amount sounds similar to mine. When I have chance I will look up your diary.
Good luck with your debt - free journey.

davenport151

Well there we go! I survived Christmas.
There was a figure of £722 and i'm not actually sure where the £22 went to ( something to do with Xmas spending no doubt). I have transferred the usual amount to my savings towards my revised goal.
Hope everyone is well & I wish you all a Happy New Year!

Just added interest to total!

Brokeattheminute

Happy New Year Moneysavers.Christmas wasnt too bad managed to not go into the credit cards.Have a target of £6000 for this year so just gonna see how much i can save up.I have the £1000 from the credit union saved up from Sep-Dec 2012 which im keeeping seperate from the total so at the minute my total in the building society stands at 149/6000.Hopefully should have another £250-£300 to add to that total this thursday.Will keep everybody updated.Hopefully will have £6000 plus the £1000 in the credit union in total saved up by the end of the year.Also have a claim coming through this yr.I got beat up in town early last yr which resulted in a fractured jaw so my solicitor says i should get about £4000 compensation out of it.But just gonna keep it simple and aim for the £7000 which is going towards my house extension which i hope i can start in April 2014. :j

Brokeattheminute

Hello Everyone.Finally reached my target in the 1DEBTv 100days 12 days early!Now have 430/6000.Put £281 into my b/s this morning.Didnt get paid as much as i thought i would as i dont get paid for new years day till next wk but did o/t yesterday and have o/t this Tues so should get about £140 from doing the 2 extra shifts!

davenport151

I've noticed extra money that I make goes to savings but can gradually creep back into being used. I'm very good at keeping the amount I first transfer but after this it gets dipped into.
To combat this my DIY account has been renamed as extras. Any amount thats earned by survey sites/nectar adpoints/vouchers will be put here hopefully to inspire me by the amount saved.
Lets see how it goes!

*mudangel*

Just popping into the thread for the first time. Lots of good stuff to read back on.

I started from scratch back in June. Used to have very little respect for money and as soon as I earned it, I'd be thinking how I could spend it. The last week of the month was invariably a nightmare. Anyway, by putting money aside and watching it add up, I now find saving more exciting than spending. Honestly!

Davenport, despite all the promises I make to myself, I'm still weak if money's easily accessible. I HAVE to put it into my ISA (it's an easy access one, so can get it in an emergency) to stop me dipping into it. Out of sight, out of mind.