Must try harder!

WinterWarrior

Good morning and happy Sunday ☕️☕️☕️📚🍫
I will take dog for her Sunday drive this morning. It’s been really wet and the river is very high up, so we might see some fields flooded and very wet roads, as there’s no drainage apart from the fields.
I have lots of wrapping to do as the poor postman has been bringing a steady stream of festive purchases 🤭, there are still a few waiting to land. I just have 2 more to get, some money to give and then the postage…then it will be done! Maybe another £130-£150 depending on postage. Not great, but I’m thankful I don’t have loads of people to buy for or it would be loads worse. Next year I plan to have a fully funded pot for this and will aim to have £600 in it. I have started the 2022 pot already and have £20 in it to start it off. 

I got the kitchen and utility scrubbing done yesterday, so it’s nice and shiny and we just need to keep up to it.
I hope you all have fabulous Sundays filled with all good things 🍫📚☕️

Sun_Addict

£600 for Christmas is what I aim to have saved.  I don’t have many to buy for and we don’t get special food in we wouldn’t normally eat. There’s a sealed pot challenge on here, they’ve already started off next year’s savings. I made a good start by buying a few presents but seem to have come to a standstill. 

Enjoy your Sunday drive. 

WinterWarrior

Sun_Addict said:

£600 for Christmas is what I aim to have saved.  I don’t have many to buy for and we don’t get special food in we wouldn’t normally eat. There’s a sealed pot challenge on here, they’ve already started off next year’s savings. I made a good start by buying a few presents but seem to have come to a standstill. 

Enjoy your Sunday drive. 

Thanks SA, I will try and find the challenge. I am really struggling on my last 2. There are some people I could easily triple the budget for as I know what lovely things will please them…and then there are ‘the awkward ones’ 😞🙄

Deni_debt-free_dreamer

morning
I've previously done the sealed pot challenge and also the one to save £2 coins, did both to save for xmas - definitely worthwhile This year i'm using my survey winnings towards xmas, just withdrew £211 from PA and used some of it for theatre tickets for boxing day.  
I've got loads of xmas shopping still to do.  I don't have lots of people to buy for mainly 2 x DDs and their partners plus a couple of friends and a few family but i haven't done much at all!!  
happy sunday (goes off to do some online shopping ..... ) xx

Baileys_Babe

Deni_debt-free_dreamer said:

This year i'm using my survey winnings towards xmas, just withdrew £211 from PA and used some of it for theatre tickets for boxing day.  

I try to use survey earnings, cashback, rewards from credit cards and loyalty points to pay for our presents for both Birthdays and Christmas. We do save money each month for this but when we use any of the above we transfer the equivalent amount out of the pot and we usually use it to overpay the mortgage.

nannygladys

I usually start around July/August saving in a separate pot, but I usually give dgc the same amounts (I have six!) My dds the same amounts and then their other halves the same amounts, so no favourites!! I also save it in an envelope for each family, and put on the front how much I put in as I save it, gives me a bit of encouragement!
Nannyg

WinterWarrior

Good morning and happy Monday 🍫📚☕️

Some excellent Christmas savings ideas there, thanks everyone.
work today and just ticking along until payday next week. I really don’t want to/can’t spend anything else as November has really gone off the rails.
I hope you all have a marvellous Monday with easy work and plenty of treats 📚☕️🍫

nannygladys

Pup had me up twice!!!! Any advice welcome WinterWarrior?
Quiet day here, no money spent and a long pup walk took place, just about to have tea and hunker down.
Nannyg

WinterWarrior

nannygladys said:

Pup had me up twice!!!! Any advice welcome WinterWarrior?
Quiet day here, no money spent and a long pup walk took place, just about to have tea and hunker down.
Nannyg

Was it to go outside or just because he was lonely? Our old lady doesn’t last as long as she did so she has a last wee before lights out now, even if we have to wake her up. But sometimes they just need to go. I can imagine ours would have us up 75 times a night if she was in a different room 😖 So no useful advice apart from giving a big cuddle and settling him down again. He’ll have bonded with you now more than his family ♥️

WinterWarrior

Good morning and happy Tuesday 📚🍫☕️

Yesterday I had a run down of my terrible, terrible spending this month and the fact that I have gone backwards!! A new and embarrassing lightbulb moment for me ☹️ So expect a new frugal WW until payday and beyond! 

I have put together my December plan and will stick to it. I have already bought Decembers pet food, which accounts for, but doesn’t excuse, some of the decline. This is because the regular food and treats for the cats was on a Black Friday deal and saved me over £30. But really I should be in front with these costs and have enough floating to grab early deals without robbing myself. I have got all the presents bar one couple, this will be about £70 in total, but MrWW has promised some money towards all the presents I have bought when he gets paid, so I am holding fast and will use that to cover it, with hopefully a bit left over. I don’t expect him to cover half as most presents are for my friends and family, but a bit towards will help. 

I have planned in one meal out and a small Christmas treats shop, along with postage for all the presents in December, but other than that, every spare penny will go to building back my savings. Part of the plan is to feed £500 into pb’s straight away, to build towards that magic £4k number and to keep it away from my sticky fingers!
I shall immerse myself in money saving and frugal you tubes at lunch time 😬
I wish you all a tremendous Tuesday full off all good things 📚🍫☕️☕️☕️☕️