The "Save 12k in 2016" Thread!

brizzledfw

Hello folks

My current total is £3,331.76.. Pretty pleased with that as March closes :j

Will fill in the spreadsheet now. Looks like everyone is going great guns! Well done everyone

Have a good Easter..well what's left of it!

Brizzle

Stickleback27

Super challenging all the way! Bit of a rubbish Feb but March totals looking good.

Ruthy1604

Seafoam wrote: »

Hey everyone! Happy Easter!:icotbaske
I haven't had a single Easter Egg or bought anyone an egg :undecided

I've been looking at the spreadsheet and it's really got me wondering, how did everyone decide to save the figure they have chosen?

Did you choose it with the intention of knowing you will definitely achieve it?
Or did you choose it knowing you probably won't achieve it but it's possible if you are truly dedicated?

I chose mine knowing it's going to be a real struggle, but I like to challenge myself.

I took the easy option by choosing a target that I think I can achieve. I have a budget spreadsheet going forward 12-18 months for all my finances. My target keeps me on task and stops me spending unnecessarily. If its not in the budget it doesn't get spent!

savingfortomorrow

I have not checked in at all this year, I was a bit distracted.
I have been very busy with trying to buy house. long story short, a few structural issues and being over bid, it did not come to pass. So I have been saving a per usual as the direct debits. The saving has been on autopilot for the last three months.

I realized that the motivation of keeping extra saved was brilliant. When I was away from the tread I felt that I was spending more on frivolous things I did not need. I actively post on the unnecessary toiletries tread so restarting to post here may help limit silly spending. I feel like hoarding money than products.

This month have been so expensive with car repairs and the two following have expensive annual bills and some extraordinary expenses. I could spread the cost but it costs more, it just has to be paid. I can’t save as much as I have started a pension (its long term savings but I can’t count it here). I guess there is less disposable money now for saving with pension and existing saving direct debits so it felt less “fun”. I have to curb the impulse shopping and focus on the next goal.
So last 3 months 4200 regular and 790.33 discretionary.

I want to do 16800 regular (annual) and try for 5000 discretionary (467.74 over 9 months remaining). I think the discretionary target might be a bit high but I need something to aim for as when I’m on autopilot I get distracted by shiny boxes of Est!e Lauder. I have an annual target of 21800.

kitjos

#161 with last March payment of £220. Done £1101 for March, although my bank looks a little healthier, i didnt realise i put 'that' much away. Onwards to April xx

Thanks SF xx

bobobski

Quick success story: I bought 6 bottles of wine at Tesco yesterday for their 25% off 6+ bottles promotion. My favourite wine was on offer from £6 down to £5. Unfortunately, this didn't register at the till and I didn't realise until later when I was YNAB-ing that I effectively overspent by £4.50. I filled out the Tesco feedback thing as usual (for the clubcard points) and noted this. Within a day, over a bank holiday weekend, they'd got in touch and were sending me a giftcard for £4.50 to my house. Pretty good customer service I think

So that's £4.50 towards April's totals already!

kev2009

Hi all,

#025 declaring £500.00 for March.

Thanks

Kev

enthusiasticsaver

#046 declaring £1250 for March.


I have just completed my monthly update. According to my spending tracker app on my phone I have had £3240 income this month and £1911 expenditure. This means £1329 remaining but I need to pay for some diesel and a few bits of food tomorrow so have kept £79 back for that and a contribution to my GDs lactose free milk as it is so expensive for my DD and SIL.


I am surprised I have managed to keep on target as I have paid the balance for our family Centre Parcs holiday in June this month, my DD was 30 so there were birthday presents and a birthday meal for her, a contribution to new clothes and a junior ISA for my DGD and petrol for a visit up to London to visit my mum and a birthday present for my Brother so a pretty expensive month. Not sure next month will be better as we have a long weekend in Middlesex to do the Warner Bros studio tour of Potterworld and a trip up to the Midlands to stay with my eldest daughter.


We are currently working out whether we can afford for my OH to retire this October rather than October 2018 so this may be the last year we can continue to save at the level we have been.

chrislee2810

Hi all,

020 here, declaring £6000 for March

Domayne

Seafoam wrote: »

I've been looking at the spreadsheet and it's really got me wondering, how did everyone decide to save the figure they have chosen?

Did you choose it with the intention of knowing you will definitely achieve it?
Or did you choose it knowing you probably won't achieve it but it's possible if you are truly dedicated?

I chose mine knowing it's going to be a real struggle, but I like to challenge myself.

I chose mine knowing that I could hit it. I should have probably given myself more of a challenge like 10k but I have a tendency to fritter money on rubbish so I'd rather know that I will hit it and be happy than not hit it and feel like a failure....depending on how this year goes, I will probably increase it to 10k next year