WTBSEs 'Starting From Scratch' Savings Diary.

cathybird

tattycath wrote: »

In total agreement with you both regarding patience. I am very impatient and would rather move money in small amounts and often, rather than having to wait.

Yes, this is pretty much how I feel too!

Eco_Miser

Patience Ladies!
You're still saving every week, even if you only see the money move once a month.

Personally, I prefer getting paid, and paying bills, once a month, but in fact I get paid irregularly: some six-monthly, some a different six-monthly, some quarterly and some monthly. It makes having a nice cash reserve to even out the spending very useful.

WantToBeSE, keep a note of what you're not spending, so you can bank your savings as soon as you are paid.

JoJoC

Husband went out tonight to a friend of a friends house tonight to fit some lights in her kitchen. £30 more pounds in the piggy! Yee ha!

Eco Miser, you are if course right in what you say. I think for me it's a total psychological thing- if I'm saving regularly, it keeps up momentum and motivation.

tattycath

Eco_Miser wrote: »

Patience Ladies!
You're still saving every week, even if you only see the money move once a month.

Personally, I prefer getting paid, and paying bills, once a month, but in fact I get paid irregularly: some six-monthly, some a different six-monthly, some quarterly and some monthly. It makes having a nice cash reserve to even out the spending very useful.

WantToBeSE, keep a note of what you're not spending, so you can bank your savings as soon as you are paid.

I totally understand what you are saying.

JoJoC wrote: »

Husband went out tonight to a friend of a friends house tonight to fit some lights in her kitchen. £30 more pounds in the piggy! Yee ha!

Eco Miser, you are if course right in what you say. I think for me it's a total psychological thing- if I'm saving regularly, it keeps up momentum and motivation.

Jo, it's a psychological thing with me too, I find saving little and often keeps the momentum and motivation going.

atush

WantToBeSE wrote: »

I don't think its as bad now as it once was (the Scarlet Fever I mean), normally its a course of antibiotics. but to be honest, I couldn't have got to the docs if I had wanted to, I could barely move from the sofa for 3 days.

Duck Confit sounds lovely, enjoy!

The fact that you didn't make it to the Doc is what made me scared. But I know you would have called for help if it got that bad.

atush

tattycath wrote: »

In total agreement with you both regarding patience. I am very impatient and would rather move money in small amounts and often, rather than having to wait.

This is actually the flip side of how people get into trouble/debt and how hard it is to get out of it.

We are in an instant gratification society so it makes it hard to wait for everything. Be it spending or saving.

tattycath

atush wrote: »

This is actually the flip side of how people get into trouble/debt and how hard it is to get out of it.

We are in an instant gratification society so it makes it hard to wait for everything. Be it spending or saving.

Unfortunately I've been there and done that and now I seem to have gone the other way and want to see my savings grow quickly, even if it's just in small increments.

WantToBeSE

Good morning everybody
Thanks for all of your comments about patience (or lack of!) and monthly saving instead of weekly. It's nice to know that I am not the only one who feels like this!

I sometimes need a daily reminder of the big aim. So I think I am going to join in with the NSD (No Spend Day) challenge and focus on that too throughout the month. That will help focus me on a daily basis. I am literally counting down the days until I can move money into savings.

I have lots more to write, but work calls! I am off to declare on the NSD thread, but will be back later!

WantToBeSE

Hello my lovely Diary Friends!

I am in a jolly mood this afternoon..its halfway through the week! Only 2 more days left to go until the weekend begins

So, lunch today is the second of the ham and onion tart from Aldi. I am so glad that I bought these, they taste lovely! And I am having it with a load of salad that needs using up, plus some baby plum tomatoes. I love Aldi for food, their prices are much better than Tesco too

I am aiming for a NSD today. I don't need any food as the kitchen is pretty full of food. Its the kids snacks that cost me so much money! We have tins of rice pudding that they can have if they are hungry though.
Dinner will be more salad (I desperately need to use it up before it goes yukky)with Baked Potato and tuna/sweetcorn mayo. Cant wait!

So it looks like I am not the only one to have a slight problem with patience then! I am really glad its not just me! I can actually save MORE money by saving monthly as opposed to weekly, so I just need to give myself those daily reminders and challenges such as NSDs, using up food that will otherwise have to be binned, make up meals from what is already in the house etc.

Sometimes it helps me to write a budget that is a few months in advance, so that I can show myself how much money I WILL have if I save the right amount.

I also know that if I wanted/needed to , I could save more than I already do. It would be a very tight squeeze but it would be possible. The reason I don't? I want a life! I don't want to 'suffer' if I don't have to, I want to go on days out, I want to eat nice food. Although nothing that I do is what I would call 'extravagant', its enough to make me and the boys feel like we are living life instead of just surviving.

tattycath

WantToBeSE wrote: »

Hello my lovely Diary Friends!

I am in a jolly mood this afternoon..its halfway through the week! Only 2 more days left to go until the weekend begins

So, lunch today is the second of the ham and onion tart from Aldi. I am so glad that I bought these, they taste lovely! And I am having it with a load of salad that needs using up, plus some baby plum tomatoes. I love Aldi for food, their prices are much better than Tesco too

I am aiming for a NSD today. I don't need any food as the kitchen is pretty full of food. Its the kids snacks that cost me so much money! We have tins of rice pudding that they can have if they are hungry though.
Dinner will be more salad (I desperately need to use it up before it goes yukky)with Baked Potato and tuna/sweetcorn mayo. Cant wait!

So it looks like I am not the only one to have a slight problem with patience then! I am really glad its not just me! I can actually save MORE money by saving monthly as opposed to weekly, so I just need to give myself those daily reminders and challenges such as NSDs, using up food that will otherwise have to be binned, make up meals from what is already in the house etc.

Sometimes it helps me to write a budget that is a few months in advance, so that I can show myself how much money I WILL have if I save the right amount.

I also know that if I wanted/needed to , I could save more than I already do. It would be a very tight squeeze but it would be possible. The reason I don't? I want a life! I don't want to 'suffer' if I don't have to, I want to go on days out, I want to eat nice food. Although nothing that I do is what I would call 'extravagant', its enough to make me and the boys feel like we are living life instead of just surviving.

Exactly! Everybody needs balance. There is no point in having shed loads of money in the bank and only existing as opposed to living.

I can relate to the food thing too. Thanks for suggesting jacket potatoes-I think that's what we will have for our evening meal-we have salad to eat up too, before it spoils.
I had beans on toast for lunch. Followed by a piece of banana bread.