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Stop frivolous spending and save more

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  • Loveactually
    Loveactually Posts: 385 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    You will have to have cheering up for weekend. Enjoy your beer. 
    Saving goal for BTL mortgage - 28600 / 60000 ( July 2021) , 37600/60000 (December 2021) , 39300 / 60000 (august 2022) , 41000/60000 ( January 2023)
  • Loveactually
    Loveactually Posts: 385 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    WFH again so will have a NSD. 

    Looking ahead for the weekend nothing planned but just looking forward to relaxing at home
    Saving goal for BTL mortgage - 28600 / 60000 ( July 2021) , 37600/60000 (December 2021) , 39300 / 60000 (august 2022) , 41000/60000 ( January 2023)
  • Loveactually
    Loveactually Posts: 385 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    Hope everyone is having a good weekend. Busy day for me driving my daughter from one activity to another. 

    Still picked up my energy and made a fakeaway for tea of burgers and chips  
    Saving goal for BTL mortgage - 28600 / 60000 ( July 2021) , 37600/60000 (December 2021) , 39300 / 60000 (august 2022) , 41000/60000 ( January 2023)
  • Loveactually
    Loveactually Posts: 385 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    I was supposed to make my last loan payment for this month by settling it earlier but instead I put that money in premium bonds to try my luck. 

    Good choice or bad choice ? 
    Saving goal for BTL mortgage - 28600 / 60000 ( July 2021) , 37600/60000 (December 2021) , 39300 / 60000 (august 2022) , 41000/60000 ( January 2023)
  • Blackcats
    Blackcats Posts: 3,875 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    I think premium bonds are a reasonable thing to put money in.  It's not like the lottery so you don't use your stake money and if you win then that's a bonus.  I buy a couple a month - I've never won anything but the total invested is growing.  Savings interest rates are so low it doesn't hurt to have the premium bonds ticking away.  

    Well done on the fakeaway.  It's quite fun thinking up new menus.  It's the last night of our little trip away and we are planning fish and chips.  The queue was massive - about 20 people ahead of us.  We'll go back at about 8 when I suspect that the town will be deserted ⚽️
  • downshifted
    downshifted Posts: 1,166 Forumite
    Part of the Furniture 500 Posts Name Dropper
    Have a read of what Martin Lewis says about premium bonds

    https://www.moneysavingexpert.com/savings/premium-bonds/
    Downshifted

    September GC £251.21/£250 October £248.82/£250 January £159.53/£200
  • Loveactually
    Loveactually Posts: 385 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    achieved my 4 NSD last week. Bring on the new week. 

    I was very tempted to have a takeout on Sunday avoided it with great difficulty. 

    No NSD today as I went out with my colleagues to celebrate the end of the academic year. 

    3 days wfh this week so will hopefully reach my target. 
    Saving goal for BTL mortgage - 28600 / 60000 ( July 2021) , 37600/60000 (December 2021) , 39300 / 60000 (august 2022) , 41000/60000 ( January 2023)
  • Blackcats
    Blackcats Posts: 3,875 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    You are doing well with NSD.  
    I hope you enjoyed your time with your colleagues.  
  • Loveactually
    Loveactually Posts: 385 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    Yes had a lovely time thank you 
    Saving goal for BTL mortgage - 28600 / 60000 ( July 2021) , 37600/60000 (December 2021) , 39300 / 60000 (august 2022) , 41000/60000 ( January 2023)
  • Loveactually
    Loveactually Posts: 385 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    NSD 1  for this week.

    busy day at work today feel so tired. Luckily do not need to get into work until 1pm tomorrow so can have a lay in 
    Saving goal for BTL mortgage - 28600 / 60000 ( July 2021) , 37600/60000 (December 2021) , 39300 / 60000 (august 2022) , 41000/60000 ( January 2023)
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