DrCarrie's adventures in saving to be a mortgage-free wannabe

South_coast

DrCarrie said:

Pretty good going in the cheap seats I thought @South_coast. 

Agreed 👍!

powerspowers

Well done on the cheap seats fun! Good luck with your deposit savings, looks like you are off to a good start xx

DrCarrie

Thankyou @powerspowers

So I am in some ways regretting all my fun in the cheap seats last weekend, I was very glad at the time, and feel that it boosted my psychological well-being, but now the shadow has arrived, I perhaps should've, could've would've sorted out Christmas. I am chasing my tail now and overspending - and more overspending will happen with the postage.

However, I am not spending on a Credit card and I did have some money tucked away for Christmas. 

Better planning next year... it's an iterative process. 

powerspowers

Oh dear, best get cracking- good luck 

DrCarrie

Arghh, that was a bit of a tough week, with money falling out of my account (as evidenced by the high level of rund-ups)- due to not planning properly for Christmas presents etc. I have robbed Peter to pay Paul - This is the 3rd Christmas of not using a credit card for Christmas (for over a decade). But it is still the 3rd Christmas the budget has been blown.  Must learn from this. I did however do something new:  I overbought the wrapping etc and took it back to Sainsbugs yesterday and pulled back £8.75 

3rd December weekly check-in, 6th -18th

• Tilly Tidy =65p
• Round ups = £4.16
  
• NSD's = 3

Fun and Frolics in the cheap seats 

- None really, the weekend has been dominated by Christmas and cleaning.

beanielou

So impressive that you took things back. 

DrCarrie

I know, I was proud of myself. Would never have bothered before. I really may move before next Christmas...and just thought to myself what is the point of paying for removal space for 3 rolls of wrapping paper, or indeed throwing it out when packing. Better to have the £8.75

Maybe that's how I should think of all possessions...If I were moving would i pack this? Good decluttering question - slightly more tangible than does it spark joy?

beanielou

If you are moving sounds good to me 

LadyWithAPlan

Xmas is always a hard time for saving. I put money away every month for gifts (bday and xmas) yet I always have to throw hundreds in Dec as that pot goes down so quick.
Well done on not using a CC though. 

DrCarrie

Thanks, @LadyWithAPlan, glad it's not just me, I am upping my Christmas sinking fund by 10 quid a month, but I think I need to look at it with a bit more pragmatism than a wish and prayer! I can't quite face it yet though. 

Due to the strikes and annual leave, I scraped £290 from my commute 'pot'. It's in the house deposit fund. Yay. Pay day on Friday and I am pitting over 1500 in savings...figure I would transfer it over sooner rather than later for a pence or 2 extra interest!