The "Save 12k in 2016" Thread!

Wentthedaywell?

darkidoe wrote: »

Buy the iPhone 6 outright. It's always the cheapest option with maximum flexibility in terms of contract.

I'd agree - I've just bought one and have a BT deal of a fiver a month which is plenty enough data for for my needs.

Kendall80

Personally, i'd ask myself, "Do I really need an Iphone 6"?


Then i'd realise that far cheaper phones do the same job and i'd be very pleased with the money saved

Wentthedaywell?

Kendall80 wrote: »

Personally, i'd ask myself, "Do I really need an Iphone 6"?


Then i'd realise that far cheaper phones do the same job and i'd be very pleased with the money saved

I'm sure you a right Kendall, but I stick to all (overpriced!) Apple IT as I am totally non-teckie and it seems to look after itself without going wrong

166million

Seafoam wrote: »

Having a crazy amount of problems with my phone; decided I'm going to take the plunge and buy an iphone 6, soon, outright. I figured it'll be cheaper than tying into a contract, in the long term.

Also, gym membership fees (£32 a month) is killing me... Knowing it could be my phone contract.

Also haven't been to the gym since last year autumn and I'm scared that if I cancel and want to rejoin later they'll charge me a higher fee:embarasse

On the plus side I got 2 slices of Starbucks chocolate cake for free just by being the last customer and being very smiley...

Cancelt he gym and if you decide to start again, look for a PAYG (Pay as U Gym) place. If you don't go very much it could be better for you

darkidoe

Kendall80 wrote: »

Personally, i'd ask myself, "Do I really need an Iphone 6"?


Then i'd realise that far cheaper phones do the same job and i'd be very pleased with the money saved

Ooo very frugal thought. That is the sensible thinking of which phone to get but if someone has already decided on the phone already, they have to decide on the most sensible way to get it. I would like to think I am stretching the lifespan of my iPhone to last a long time to make sure its cost is value.

Domayne

Due to Bank Holiday being on Friday, We are getting paid a whole day early! lol
Got my payslip today and personal spreadsheet updated plus added March totals on the spreadsheet here. £1000 saved again this month - £200 into the HTB ISA and £800 in various other saving accounts.
Does anyone else have a weird aversion to seeing odd numbers in their accounts?
When I started my debt busting journey and doing the PAD'ing (Payment a day) I really can't stand seeing any sort of odd numbers in my account and shift them off to paypal instead =/

chelseablue

Declaring £200 for March.


Worst month ever as just moved house also not going to actually save the money its going towards our new fireplace.


Double

lisa110rry

Hi SF, managed £1134 this month, but next month I won't be saving anything, indeed I'll be taking some out from my savings for a new boiler, however, that's what savings are for, so shan't be reporting a negative. Indeed, when I think about it, what I have at the end of next month will still be 'savings' because I will not have spent it on fripperies. The new boiler has potential for further savings in future as it will, I trust, cost less to heat the house than the 29-year-old current one.

It's a very good feeling to know that I could say to the salesman 'unless you operate 0% finance, I won't be availing myself of that option'.

lisa110rry

Domayne wrote: »

Due to Bank Holiday being on Friday, We are getting paid a whole day early! lol
Got my payslip today and personal spreadsheet updated plus added March totals on the spreadsheet here. £1000 saved again this month - £200 into the HTB ISA and £800 in various other saving accounts.
Does anyone else have a weird aversion to seeing odd numbers in their accounts?
When I started my debt busting journey and doing the PAD'ing (Payment a day) I really can't stand seeing any sort of odd numbers in my account and shift them off to paypal instead =/

Domayne, we are also paid 'before the 25th day of the month' which usually means just before midnight on the day. This month, I'va already been paid, a nice surprise.

Regarding odd numbers, I can't keep up with that because the interest is always adding odd numbers. What stresses me is transferring an odd number with pence from my current account to my savings, just hate that!

RichyRich

I'm the total opposite - I make sure my current account has a round balance every night and transfer 'odd amounts' to my savings all the time to make sure it stays that way! Direct debit for £26.45 out? That's £3.55 over to savings then, to keep my current account ending in a 5 or a 0! Obsessive? Sure. But every little bit over to savings counts!

Actually as it happens nearly all my accounts are at a round figure - TSB at a round £2k, FD Regular at a round £1,200, etc to maximise interest. Only my BoS (current filler-upper vehicle) is at an odd-pence amount. And of course my coin jar, which I have no idea how much is in and am trying REALLY hard not to bank till its full.