Decreasing spending - increasing happiness

giblet1979

Hi EJM,
It sounds like you're doing great! I like your idea of splitting the money between mortage OP and savings. I'm thinking of doing that atm between debt OP and savings, then the same once the debt is gone with the mortage. It must be lovely to see the numbers go down each month

Hope you have a lovely rest of your Easter x

Enjoying_life_more

giblet1979 wrote: »

Hi EJM,
It sounds like you're doing great! I like your idea of splitting the money between mortage OP and savings. I'm thinking of doing that atm between debt OP and savings, then the same once the debt is gone with the mortage. It must be lovely to see the numbers go down each month

Hope you have a lovely rest of your Easter x

thanks for popping in and commenting! yes it's great to see the debt/morg reducing -I've got a long way to go but I know I will do it!. This site and the forums are fab. i'll nip over and have a read through your diary - enjoy your Easter too

peaceandfreedom

Enjoying_life_more wrote: »

Going to list some items on ebay tomorrow - I've got a project I want to do in the house so going to try and earn some money towards it rather than dipping into my savings pot - it's the first time in my life I've had savings and I so don't want to break into them! it's weird how that now I have the money I don't want to spend it but when I didn't I wouldn't have thought twice about putting it on a credit card.

I guess it must be down to psychology but whatever it is, it's working so keep it up. I think I will follow your example and put some stuff up on ebay tomorrow, I have been very slack about this. Might rummage out some books to put on amazon as well. I'm sure I have some school reference books to sell - they do very well on amazon.

Although I am not debt-free, I am doing something similar to you and saving for future expenses. Kind of have to actually, as I've closed down my only 'spending' credit card and my balance-transfer card was cut in two as soon as it arrived. It's quite a baptism of fire because this month and next are very expensive in terms of outgoings but with some adept money-shuffling, I think I will make it. I know that if I had a card available I would already have put some stuff on there 'just for the moment'.

I'm looking forward to having some savings that I don't want to break into.

Here's to a successful ebaying Easter Monday for us all. :beer:

Enjoying_life_more

I'm looking forward to having some savings that I don't want to break into.

Here's to a successful ebaying Easter Monday for us all. :beer:[/QUOTE]

Thanks and good luck with your ebaying too !!! i'm finishing my coffee and then getting started

satchmo1

It can be more beneficial to find a local Facebook selling page and post your items there. I've just sold several items, the buyers collect and give you the cash, and no eBay fees taken for listing/postage.


Well done on keeping within your budget.


How about tackling the yukky smoking? My son gave up on NYD with the help of eCigs, and says he hasn't craved a cigarette at all.

peaceandfreedom

satchmo1 wrote: »

It can be more beneficial to find a local Facebook selling page and post your items there. I've just sold several items, the buyers collect and give you the cash, and no eBay fees taken for listing/postage.

That's a good point actually, I keep meaning to do that for some bigger items that are hard to post.

Enjoying_life_more

satchmo1 wrote: »

It can be more beneficial to find a local Facebook selling page and post your items there. I've just sold several items, the buyers collect and give you the cash, and no eBay fees taken for listing/postage.


Well done on keeping within your budget.


How about tackling the yukky smoking? My son gave up on NYD with the help of eCigs, and says he hasn't craved a cigarette at all.

Good idea regarding facebook will look into that - great news about your Son!!:T I have an e cig and I am using it more but still smoking too but I have saved quite a bit - hence me being able to come under budget most weeks

satchmo1

Just a cautionary thought about selling on Facebook - all your friends and family can see what you're selling.

Enjoying_life_more

Cant believe how fast this week has gone! I've had a very busy week at work - 2 gym visits and 2 walks this week too.

Weekly budget going really well - did my shopping at two s/markets and arrived at one of them just at the right time to get a reduced joint of meat -more than half price ( straight in the freezer for one my sun lunches) and some reduced oranges, also plenty of great offers on salad and veg so well stocked up. I always keep a well stocked freezer as I like to have choice but it also helps when I want to cut the budget one week as there's always plenty in. I also got some bargain bedding plants this week worked out at 8 pound for 40 plants - I haven't put any in the ground yet as it's prob too early. Just got to keep looking after them until the weather picks up again.

Hope the weather picks up over the weekend as want to get some walks in and time in the garden.

I'm hoping to come in under budget again by tomorrow night but that all depends if I go out or not or even if I go out if I watch my spends I still might make it.

Hope anyone reading has a great weekend

Enjoying_life_more

Quick update - not gone out tonight so I've come in under budget - 10 pound morg overpayment made and 20 pound in the savings pot !