Stop frivolous spending and save more

Loveactually

NSD number 1 for this week. Already bought a cake and card yesterday for my DH so hopefully another NSD tomorrow too 

Blackcats

Tracking NSDs and logging spending is very enlightening.  I noticed so many small but regular spends that really do add up.  I also used to kid myself that I "deserved" a meal out and that spending less than £50 on it was a good achievement 🤷‍♀️

MissRikkiC

I’ve made a daily cash flow sheet and it’s comforting that once direct debits have gone out or I’ve logged my (necessary) spends, the balance matches my account balance. As if I’m control 🤪

Loveactually

MissRikkiC said:

I’ve made a daily cash flow sheet and it’s comforting that once direct debits have gone out or I’ve logged my (necessary) spends, the balance matches my account balance. As if I’m control 🤪

That’s also a very good idea 

Loveactually

Blackcats said:

Tracking NSDs and logging spending is very enlightening.  I noticed so many small but regular spends that really do add up.  I also used to kid myself that I "deserved" a meal out and that spending less than £50 on it was a good achievement 🤷‍♀️

Tell me about it. Before Covid times every weekend we were out for food and during lockdowns it’s was take aways. 

Now I am trying to cut down to may be once a month. 

Loveactually

NSD day 2 today 

made a nice home cooked meal for DH birthday and cake for dessert

Loveactually

NSD day 3 today yippee 

only 1 more NSD to reach my goal of 4 NSD per week

MissRikkiC

Keep up the great work! 

I almost caved today and went to buy bananas for a cake, as I’ve last minute invited friends and their babies over for coffee! The  my husband reminded me of the lemons we have and instead I made a dairy free lemon cake (on account I also had no butter and used oil instead!)

Loveactually

Hi how is everyone’s weekend started ?
I had a social commitment yesterday and split the bill and today weekly grocery shopping. So no NSD.

hopefully tomorrow will be NSD as I want to achieve my 4 NSD per week. 

Blackcats

MissRikki isn't it interesting how we can change behaviours when saving money but need to create new habits.  So instead of spending on bananas for a cake you used what you had.  One of the amazing people on the forum calls this shopping from home and it saves a fortune!  In the past I wouldn't just have bought bananas I would have bought the cake and probably biscuits!  I once spent £30 on a rainbow cake from a posh supermarket - I literally bought a whole cake from the coffee shop 😱.  It was a beautiful cake and very yummy but seriously .... no wonder I had no money.
loveactually - weekend is going well so far.  Home made pizza for tonight's fakeaway. Even better my OH is making it!