WTBSEs 'Starting From Scratch' Savings Diary.

WantToBeSE

Morning!


We went swimming yesterday instead of the beach. (£0- part of membership).
Then came home and just pottered about doing housework and boring stuff like that.


I had a nice lie in until 8am this morning! I am off to the gym this afternoon. I am finding it hard to fit in the gym during the working week, but can always go on the weekends, and once during the week at least.


Jo you are doing REALLY well with your saving! Well done! Any tips for enthusiasm?
I haven't seen Cathy about recently, I saw you had posted on her thread. I hope she is doing OK.


Total of bank accounts:


ISA £680
ES-£16.40 (only just started this one).

JoJoC

Still in the plus WTBSE do its all good!

What's your second account for? Sorry if I missed you saying it.

Motivation wise, I do find it difficult. My recent but of saving motivation has come from.our neighbours who have put their flat up for sale with the aim of moving to a nice big family home- our exact dream! We're about a year behind them savings-wise, but basically, they're following our dream right now abd it's make me think that it's totally doable if I just crack on and make it happen! I keep up with my friend quite a bit and when she's talking about the houses they're viewing and their plans, it just fires me up to keep going!

Is there something similar that you could draw on to put some fire in your belly?

Today, I had my hair done, filled the car with petrol and got a few bits for breakfast, so not a cheap day. It was all planned though! Not sure what we're up to this afternoon but a quiet one is on the cards. Maybe do some visiting.

JoJoC

Sorry for all my typos btw, my phone just changes stuff without me realising!

WantToBeSE

I bet that's great motivation! Exactly where you could be in 12 months time!


I cant get to the gym yet, as the road is closed due to an accident, so am just chilling out at home and doing not a lot!


Found £5 in 5p coins, so am going to deposit that into my bank account.
The 2nd account is just for odds and ends. So I round down to the nearest pound and anything left over in either my current or ISA accounts gets put in there.
So if I have £634.20 in my ISA, £4.20 of that goes into my ES account. I generally don't 'miss' that small amount, but my hope is that it will build up and could be used for something useful.


My fridge freezer is concerning me at the moment, as it has started making a terrible sound...so I am hoping it makes it till at least the next pay day (in 2 weeks) and hopefully longer! I am going to pull it out and hoover around the back of it, as I heard that sometimes helps...we'll see!

JoJoC

I'm hoping in 12 months time I'll have 12k in the bank! At least! Might be wishful thinking but that's my goal and I'm going to do the best I can to get there.

Husband announced last week that he was going on a health kick once he goes back to work to lose some weight so no doubt that'll cost a lot more in food! Why is healthy food generally more expensive than junk? Not that we really buy junk as such now, healthy eating just seems to cost more. We'll deal with it though, I'd rather he was fit and healthy.

That's a shame about your freezer- I hope it doesn't pack in!! You could always keep your eye out for a good second hand one. We sold out fridge on Gumtree for £50 a couple of years ago and it was a year old, like new and was worth almost £300 originally so was a bargain to someone.

That sounds good about your side account. It's worth having some extra money that you can dip into without upsetting your savings.

Having a nice night?

We went out for dinner tonight, just the three of us, which was lovely. It's been a bit of an expensive day but a treat or two on holiday is fine. It's all budgeted for!

WantToBeSE

Morning All


Have been to the gym and changed my routine a bit, hopefully it'll help with the weight loss, but I need to pay more attention to the food side of things!


Was going to go to Tesco and buy some bread rolls, but remembered the breadmaker that was gathering dust, so pulled it out and am making the rolls instead- I already had all of the ingredients. Looking through the recipes for it, I can make loads of things that I didn't know about! One of the main things I am excited about it making my own pizza dough in it.


I always think I should be making the dough and therefore making my own HM pizzas, but I am terrible at making dough. I don't know why, but it ALWAYS turns out wrong.


Now that I had rediscovered my breadmaker, it has a dough function that I can use to make loads of things, including pizza dough!
Pizza isn't on the menu this week, but I might put it on the meal plan for next week and try it out


I am NOT looking forward to going back to work tomorrow, but I am sure I will enjoy the money at the end of the week. I need to win the lottery..obviously!

LisaJane

Hey...have you ever made pizza with tortilla wraps? They are delicious and reasonably healthy too if you are trying to be good food wise! Just go easy on the cheese!

WantToBeSE

LisaJane wrote: »

Just go easy on the cheese!

I'm sorry, what language is this? I don't understand what that says..easy on the cheese?? nope, not in my vocab, sorry

WantToBeSE

I want chocolate


and crisps




and to win the lottery, just £1M, not the £8 I won last week.


have to make do with low cal hot choc, no crisps and watching NCIS on the TV.


Great.

JoJoC

Oh no, sounds like a sad post WTBSE.

Winning the lottery isn't a realistic goal, but saving up your hard earned cash up to afford things that will benefit you and your kids is both realistic and rewarding!

Food is definitely a vice of mine, so I feel your pain. Usually craving something means that your body needs something (not necessarily the thing it craves!). Did you satisfy your craving with something nice?

I've never made any kind of dough by myself- is it tricky?

We just had a FAB day at the Commonwealth Games celebrations in Glasgow. Spent the whole day in the 'festival' area and had so much fun. Took a picnic so no spend on food, although we did spend money on a soft toy 'Clyde' for my wee boy. Clyde is the mascot for the games and my son is obsessed with him! We also bought an ice cream and spent money to go on the big wheel, but overall a lot less expensive than it could've been. Knackered now and with a bit too much sun, I need some water and a quiet night.