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I want to stop wasting money.

I want to stop wasting money.
I buy as much as possible second hand therefore Paypal and charity shops. If I have to shop new it's at the cheapest shops or quality. I could always shop at the cheapest supermarket therefore Aldi and cheapest diesal therefore Applegreen. I eat out at the cheapest places such as Greggs and Mc Donalds

Are there any other ways to stop wasting money? What would you do and why? Here is my statement:

21 Sep 17 MYDENTIST DEB 35.70
376.30

21 Sep 17 PAYPAL DEB 10.90
412.00

20 Sep 17 ALDI 90 775 DEB 31.12
422.90

20 Sep 17 POUNDLAND LTD 1301 DEB 15.00
454.02

20 Sep 17 MARKS&SPENCER PLC DEB 8.20

469.02
20 Sep 17 NEW YORK DELI DEB 7.70

477.22
19 Sep 17 APPLEGREEN DEB 70.17

484.92
19 Sep 17 SUPERDRUG STORES P DEB 17.31

555.09
19 Sep 17 PAYPAL DEB 9.19

572.40
19 Sep 17 MCDONALDS DEB 8.86

581.59
19 Sep 17 GREGGS PLC DEB 10.65

590.45
19 Sep 17 SUBWAY DEB 7.50

601.10
19 Sep 17 OXFAM F3603 DEB 12.98

608.60
19 Sep 17 KEECH HOSPICE CARE DEB 12.00

621.58
19 Sep 17 CAMELOT LOTTERY DD 40.50

633.58
19 Sep 17 000 CHQ 36.00

674.08
19 Sep 17 wages BGC 310.60

710.08
18 Sep 17 ALDI 110 775 DEB 50.23

399.48
18 Sep 17 DOGS TRUST DEB 4.00

449.71
18 Sep 17 Cashpoint CPT 100.00

453.71
18 Sep 17 ANIMAL FRIENDS INS DD 3.14

553.71
18 Sep 17 wages BGC 62.70

556.85
15 Sep 17 B&M RETAIL LTD DEB 20.23

494.15
14 Sep 17 MYDENTIST DEB 20.60

514.38
13 Sep 17 ALDI 12 775 DEB 44.62

534.98
13 Sep 17 CANCER RESEARCH LT DEB 6.50

579.60
12 Sep 17 PAYPAL * DEB 5.95

586.10
12 Sep 17 PAYPAL * DEB 2.80

592.05
12 Sep 17 PAYPAL * DEB 2.45

594.85
12 Sep 17 GREGGS PLC DEB 8.35

597.30
12 Sep 17 GREGGS PLC DEB 7.10

605.65
12 Sep 17 ALDI 73 775 DEB 4.25

612.75
12 Sep 17 MCDONALDS DEB 14.14

617.00
12 Sep 17 GREGGS DEB 2.50

631.14
12 Sep 17 Guitar practice BP 72.00

633.64
12 Sep 17 wages BGC 137.60

705.64
11 Sep 17 B&M RETAIL LTD DEB 1.98

568.04
11 Sep 17 ALDI 110 775 DEB 33.73

570.02
11 Sep 17 wages BGC 62.70

603.75

08 Sep 17 SPORTSDIRECT 210 DEB 123.96

541.05

08 Sep 17 Clothing DEB 37.58

665.01

08 Sep 17 PAYPAL * 11.49

702.59

08 Sep 17 B&M RETAIL LTD DEB 1.98

714.08

08 Sep 17 CANCER RESEARCH LT DEB 8.49

716.06

08 Sep 17 SIMMONS (BAKERS) L DEB 4.80

724.55
07 Sep 17 wages BGC 166.03

729.35
06 Sep 17 TESCO STORES 3309 DEB 30.04

563.32

06 Sep 17 ALDI 12 775 DEB 68.04
593.36

06 Sep 17 THE CLARKS SHOP DEB 48.00
661.40

06 Sep 17 KFC - AYLESBURY RS DEB 2.99
709.40

05 Sep 17 NEXT RETAIL LTD DEB 46.05
712.39

05 Sep 17 CEX DEB 15.00
758.44

05 Sep 17 SUBWAY DEB 7.50
773.44

05 Sep 17 MCDONALDS DEB 7.77
780.94

04 Sep 17 PENSION DD 220.00
788.71

04 Sep 17 wages SO 475.00
1,008.71

04 Sep 17 wages BGC 62.70
533.71

01 Sep 17 ARGOS LTD DEB 34.99
471.01

01 Sep 17 DUNELM LTD DEB 22.00
506.00

01 Sep 17 Council tax 161.00
528.00

01 Sep 17 GREGGS PLC DEB 12.05
689.00

31 Aug 17 ALDI 12 775 DEB 36.43
701.05

31 Aug 17 TESCO-STORES 2885 DEB 9.50
737.48

30 Aug 17 TESCO STORE 3309 DEB 6.92
746.98

30 Aug 17 GREGGS PLC DEB 6.15
753.90

30 Aug 17 GREGGS PLC DEB 4.25
760.05

30 Aug 17 GREGGS PLC DEB 7.40
764.30

29 Aug 17 ALDI 73 775 DEB 35.21
771.70

29 Aug 17 GREGGS PLC DEB 12.65
806.91

25 Aug 17 B&M RETAIL LTD DEB 27.77
819.56

25 Aug 17 BRITTANY FERRIES DEB 10.70
847.33

25 Aug 17 wages BGC 62.70
858.03

24 Aug 17 ALDI 73 775 DEB 94.73
795.33
«134

Replies

  • First thoughts, that's quite a lot of eating out throughout the month.
    Could you go through your statements and sort them out in categories, like that you get a better idea of what you're spending on petrol, food to eat at home, food you eat when out (this is where you could save a fair bit by making your own sandwiches etc) rent/mortgage etc.. I find it an eye opener, especially how the little bits add up.
  • TowserTowser Forumite
    1.3K Posts
    Yes eating out is my luxury and will try to eat at home more.

    Categories - My online bank account has a feature like this. I can do it monthly or annually and it is displayed in totals and a pie chart. It's most useful. I try to improve my spending all the time using these categories.

    My blips are my way out of boredom and wish to treat myself.
  • enthusiasticsaverenthusiasticsaver Forumite, Ambassador
    13.5K Posts
    Ninth Anniversary 10,000 Posts Name Dropper I've been Money Tipped!
    Ambassador
    Greggs, McDonald's and subway would all come under eating out in our budget which we aim to do only once or twice in a week. You look like you are eating out every day. In one week you have £60 on eating out so that is £240 a month. Make lunch at home to take into work.
    Early retired in December 2017. Debt counsellor for a High Street bank in a previous life. I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected] All views are my own and not the official line of MoneySavingExpert. Save £12k in 2022 challenge #36 £12,000/£12,000 November 2022 CHALLENGE COMPLETED
  • enthusiasticsaverenthusiasticsaver Forumite, Ambassador
    13.5K Posts
    Ninth Anniversary 10,000 Posts Name Dropper I've been Money Tipped!
    Ambassador
    Towser wrote: »
    Yes eating out is my luxury and will try to eat at home more.

    Categories - My online bank account has a feature like this. I can do it monthly or annually and it is displayed in totals and a pie chart. It's most useful. I try to improve my spending all the time using these categories.

    My blips are my way out of boredom and wish to treat myself.

    It can only be called a treat if it is occasional. Not every day. Find a cheaper and more productive way of not getting bored.
    Early retired in December 2017. Debt counsellor for a High Street bank in a previous life. I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected] All views are my own and not the official line of MoneySavingExpert. Save £12k in 2022 challenge #36 £12,000/£12,000 November 2022 CHALLENGE COMPLETED
  • TowserTowser Forumite
    1.3K Posts
    Yes, I should do some NSD's too.
  • adindasadindas Forumite
    6.3K Posts
    Part of the Furniture 1,000 Posts Name Dropper
    Forumite
    Towser wrote: »
    Yes eating out is my luxury and will try to eat at home more.

    Categories - My online bank account has a feature like this. I can do it monthly or annually and it is displayed in totals and a pie chart. It's most useful. I try to improve my spending all the time using these categories.

    My blips are my way out of boredom and wish to treat myself.

    if you d not like cooking, try to look ready meals at ASDA, Tesco Extra and other big supermarkets. They have varieties of ready meals at the price of less than £4.
  • TowserTowser Forumite
    1.3K Posts
    if you d not like cooking, try to look ready meals at ASDA, Tesco Extra and other big supermarkets. They have varieties of ready meals at the price of less than £4.

    Yes, very good idea. That was my M&S blip when I discovered 3 for £7 offer they have at the moment plus veg - bargain!
  • beanieloubeanielou Forumite
    82.1K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Forumite
    You spend a lot on the lottery!
    You spend too much on Sbway & Greggs ect.
    Quite a lot on paypal.
    Try keeping a wee notebook with all your spending in it & try for at least a couple of NSD's a week.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
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  • You spend: too much, every day, on things you don't need, at too high a price, too often, all the time, every day, relentlessly, without need .... and "justify" it because the places are cheap.

    Stop spending money.
    Stop going in all these shops.
    Stop buying stuff.
    Stop it.

    McD's cheapest? Yet you go into Aldi - they sell cheap sandwiches at 85p ... but they also sell loaves of bread and stuff you can stick into sandwiches!

    Stop buying all the stuff you are buying. You don't need it, there is no need to buy products from companies. Stay out of the charity shops. Just stop. Stop it. Now.

    :)
  • SavvySaver007SavvySaver007 Forumite
    45 Posts
    Fifth Anniversary 10 Posts
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    Definitely cut back on the meals/food out. Once you get into the mindset of doing this then it will become second nature to make food at home and bring it with you. View it as an occasional treat e.g. maybe once a week, and be strict with yourself. Use vouchers etc where you can as well. You will soon notice the difference on your bank balance and it will motivate you! This seems to work well for me anyway.
    2021 MFW aim: OP £700/£4200
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