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The Happiness Fund.
Comments
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There is no 'only', £100 is a lot of money to save.
How about alternative gift ideas? Do IOUs for family, things which mean the most to them like a day out, a meal somewhere, a day babysitting. That way the cost, and your time, is spread over 2022. You'll be surprised how well they go down with people.Mortgage started 2020, aiming to clear 31/12/2029.2 -
Good idea to boost the xmas fund and pay off the balance from your credit card before trying to save more.I agree with MF with the IOU.’s or get the whole family on board and set a limit per person. We set a limit of £15 for xmas and £10 for birthdays.0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p12 -
Great ideas for moneysaving ladies, to be honest though i will give £50 to mum and dad each (vouchers they love them), and £30 to brother and niece & two friends. Then i just have two presents to buy for female friends. Andy and I dont really buy presents. We just eat!!!! This year pressies will only cost £220 I hope.
Payday at midnight not that Im desperate or anything. The highlight of my working month!
Aiming for a minimal spend 20222 -
Hurrah £1973 earned from new job (a rise of £187 after travel is paid for), from this, I am using £390 for household bills, £120 food, £100 fun a bit tight but in an emergency I will use my credit card, £332 cc bill (I already have 132 for this), mortgage and overpayment £1100, £94 Christmas Fund. I get £500 from lodger too.
So happy the extra hours are worth it and make up for my dreadful wage cut in the last few years.Aiming for a minimal spend 20222 -
That's impressive!
Seeing your mortgage payment I can understand why things are tight.Mortgage started 2020, aiming to clear 31/12/2029.0 -
Yes houses are v expensive by me. I am doing a survey for a friend and earning £10 at the same time dying my hair. V excited. It is raining like crazy and i have plenty of work to do which i will look at this afternoon.Aiming for a minimal spend 20222
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Great survey earnings SW. what colour are you dyeing your hair. 👩🏻🎤🧑🏻🎤😆0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
House sale OCT 2022 = NOW MORTGAGE FREE 🤗
House purchase completed FEB 2023 🥳🍾 Left work. 🤗
Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).
Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1
Living off savings diary
https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p12 -
Hope your survey went well, great way of passing time.
I'm pleased you're having a pamper too, make sure you fix a date for more.Mortgage started 2020, aiming to clear 31/12/2029.1 -
Brown. I am quite excited. If it looks awful I will wear a hat!Aiming for a minimal spend 20221
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Should look good, winter is a great time to pick a lighter shade.Mortgage started 2020, aiming to clear 31/12/2029.1
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