I am saving around £864 a year without trying

I know its not too exciting - but since not buying bottled water (£1) and latte's (£1.20) at work every day (20 working days a month), instead refilling the bottle at the water machine and making cups of tea thats £44 a month i am saving :eek: . Plus i used to take my car to be washed every sunday in and out, £7 per time, thats £28 :eek: . THATS £72 a month i was blowing without even realising it... or put another way £864 a year :eek: :eek: ......... OR £17,280 OVER THE NEXT 20 YEARS (ok maybe a little over the top :rolleyes: )

PS INSERT FROM MARTIN

See the free Stop Spending Demotivator for how much you can save
I never missed a payment :T , I paid off all my credit cards :T , I paid of all my loans :T , i have a work mobile :T - but am now "medium" credit risk :confused:

Comments

  • Rikki
    Rikki Posts: 21,625 Forumite
    Its frightening when we realise how easily we waste money without thinking about it. :eek:

    Well done for make a few little changes with a great financial result. :T
    £2 Coins Savings Club 2012 is £4 :).............................NCFC member No: 00005.........

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  • Jersy
    Jersy Posts: 554 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    :o thats serious money so it is!

    i do still buy coffee in work

    but its the stinkin 20p machine stuff.. you know.. were you need sugar to take way from the taste of the coffee lol

    as for bottled water i buy it in bulk from tesco or macro and take it with me!

    my killer is sandwhichs tho :(
    really have to start making my own
  • alant1000
    alant1000 Posts: 252 Forumite
    :eek:
    Jersy wrote: »
    :o thats serious money so it is!

    i do still buy coffee in work

    but its the stinkin 20p machine stuff.. you know.. were you need sugar to take way from the taste of the coffee lol

    as for bottled water i buy it in bulk from tesco or macro and take it with me!

    my killer is sandwhichs tho :(
    really have to start making my own

    you have hit the nail on the head with the sandwiches, every lunch i either buy them (around £3 a time, £15 per week, £60 per month etc etc), or have a pub lunch at £10 a time. Definitely time for me to stop being lazy and make some before i go to work! :D .

    As for the coffee vending machine - ours is so rank that you either get coffee that quite literally looks like it would glow in the dark, or you get a 2 layer speciality... top 90% water, and the bottom 10% is this disgusting clump of syrup and coffee paste. I dont think i have ever finished a full cup of the stuff. :rotfl:
    I never missed a payment :T , I paid off all my credit cards :T , I paid of all my loans :T , i have a work mobile :T - but am now "medium" credit risk :confused:
  • Jim23
    Jim23 Posts: 6 Forumite
    Well, i have sandwiches for work, get free bottles of evian water (someone else buys them lol ) and the coffee machine at my place is free, so gorgeous mocha's all round.

    suprising how much it costs though each month buying sandwiches/going out for lunch, especially when your trying to save so much money up.
    Car Finance = £2807 (aiming for settlement figure at two year mark)
    Total Saved = £1316 in 10 months, £1491 to go.

    Student Loan left to repay = £5144
  • pioneer31
    pioneer31 Posts: 335 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Sandwiches are one of the biggest ripoffs going. More than once, I've considered jacking in my job and making them for a living.
  • At my place you can pay about £2.50-£3.00 for a sandwich, there not even all that nice! Its a rip off, im taking the tips from someone else on here that mass makes them, say week or 2 in adavance with ham, meat etc & freezes them, in the morning she just grabs them out the freezer & they are defrosted by lunch...save you eating them to early then spending money later as well when you are hungry again!!!
    2010 is my DO IT year! grow own bits,savvy shopping,organised!!Get a hobby!!! be fit!! be happy!!
    Saving all change & paying off debts!!
    constantly looking to save money!!! all help needed!!
  • Ah I feel so special!

    At my work, I pay nothing for coffee, tea, fizzy and still drinks! Also get free food sometimes too!

    It's not a bad life ;-)

    Simon.
  • I retired last July. My pension is only about 40% of my old salary. It's amazed me how much I save by not spending on car fuel to get to work, expensive food and drink, buying stuff I need for work, and ... being near to town shops and buying stuff I don't need at all.

    Must add up to a sizeable sum, and it was money after tax. Now I pay much less tax and seem to have much more that the 40% I mentioned. So those getting near to retirement take heart ...
  • I buy 100 teabags at £1 from work, and cos I only really make tea at weekends (don't get breaks during the week as it's only 4 hour shifts), lasts me ages!

    Biggest weakness is going to greggs every day, 80p-£2/day (depending on what I buy and whether I have juice or not), adds up to quite a lot!
    "Beautiful young people are accidents of nature, But beautiful old people are works of art."
    -- Eleanor Roosevelt
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