Comfy cushion - a savings diary

Doshwaster

A couple of tips:
1) Set up a standing order to transfer some money once a month (say £50) into a savings account the day after you get paid. If they money isn't in your main account you won't spend it.
2) Keep a track of every penny you spend in a spreadsheet. You'll be amazed to see where the money goes - those sandwiches and cans of coke all add up.

lilian1977

Thanks Doshwaster - I already have a spending diary but will keep on with that. I also do a standing order to all my other savings which works well but this is the pot that keeps falling by the wayside when I need something so I need to work harder at it. I will go and set up my standing order now.

WantToBeSE

Thanks Lilian, i am hoping that my Tax Credits claim is processed quickly as i am down to the bare essentials in the cupboards now!

Doshwasher-great ideas, thanks

atush

Yes, a spending diary always helps

lilian1977

WantToBeSE wrote: »

Thanks Lilian, i am hoping that my Tax Credits claim is processed quickly as i am down to the bare essentials in the cupboards now!

Doshwasher-great ideas, thanks

Have you had a look at A Girl Called Jack's blog? Lots of ridiculously cheap recipe ideas on there. http://agirlcalledjack.com/category/below-the-line-budget-recipes/

WantToBeSE

I have, thank Lilian. Her apricot curry is to die for!

lilian1977

Ooh I haven't tried that yet, will give it a go

Some GREAT news here - I've been chasing my £125 incentive for switching to First Direct and it has arrived today - so that's half of my £250 balance transfer paid off - YAY! Means I can start saving harder much sooner

WantToBeSE

That's great news!
I have to pay £100 off my CC in the next week or so, and then my savings start!

LoveaDove

Hi lilian1977

Happy New Diary!!! Good Luck with your savings!! Once I am debt free (hopefully before Christmas) I shall join you on your savings adventure!!!

Good Luck!! And brill news on the First Direct Incentive coming through!!! :T

lilian1977

Thanks LoveADove - please do join me soon and good luck on your DFW journey!