Is anyone starting from scratch???
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I don't just enjoy saving more than spending, the idea of spending even 10p that is not necessary makes me feel ill! And only after a month and a half of saving! Well I suppose I've been trying a bit longer than that but I had to pay back some money before December so couldn't save.
My mother is now (very kindly) downright refusing to take back the money I owe her so that's a big bonus to the savings! Although she wants me to use it for a holiday and if I do that then it wont be used for savings after all :eek:
Good luck with the goals everyone; it's wonderful to read threads like these :j
Just a quick update ahead of next weeks payday.
Unexpected expenses this month. A special train tour has been booked for my son & I to go on. We had to jump at the chance for this one. Though in this case I managed to put the amount back that I had used from savings.
Unfortunately the other one was pet expenses. My girl of 17 years had to be pts on Monday.
However I have managed to comfortably put this amount back. I also intend to have a low spend month as MOT/service is looming.
Had a few hours extra this month so I put that aside in the Extras account! This has really worked as I can clearly see what 'extras' are going in each month and am less inclined to dip into it. This consists of money saved in vouchers or offers, money made on surveys etc.
Hope it's going well for everyone else!
Adjusted my totals to reflect this - though I think I made an error in adding up at payday.
My extras account runs monthly. (as before; wages over contract amount, money saved with vouchers etc). Once the month is up I transfer this to savings OR use for extras around the home (former diy money).
This way if I am using cash for home improvements i'm using 'extras', not dipping into savings. So bit by bit I can do things that need doing around the house. If it doesn't get used then its transferred to the big pot!
Looking back at post #43, I think I had already figured this out but had somehow lost my way! Thats why its useful to jot it all down and look on here to renew willpower and be inspired.
I guess I'm fine.......I'm better off than some people in debt but am too pessimistic to be happy!:D
I tried to think of what I would need in the future and start saving money for it now...but it's so tempting to spend it for something else! It's quite possible that once I reach all those little goals, I will add a few hundreds and hand it all to a plastic surgeon. I will do it anyway, it just would be wiser to wait a year and a half, but who knows...