What's been your biggest MoneySaving success of 2022?

MSE_Laura_F

Please let me know what money moments you're proud of from this year. Let's celebrate each other's successes.

It doesn't have to be anything as large as clearing your debt; it could be taking a first step such as starting a debt-free diary, or finding a smart way of shaving down a bill.

Thank you.

RobM99

2022?   All but giving up coffee etc out. At one point I was paying out £25 a week!

MikeJXE

I'm moving in February, currently renting a two bed 1st floor flat where the rent is likely to go up in April to a 1 bed ground floor flat that cannot increase the rent for 12 months, newer and better EPC, smaller so less energy costs, lower council tax, nearer to my town so I don't have to use the car as much, next to the park so all in all better all round. 

herebeme

Learning on these boards about budgeting for annuals was a revelation. 

I thought I was good at managing my money but realised I just put big expenses on the card and then pay them off the next month rather than plan for them. But about to have an income drop and that won’t be possible soon. Have now got Zopa and Chase and am doing pots. 

The debt boards are full of so much useful advice for everyone, I can’t believe I’ve been reading MSE for over 10 years but never looked at the debt boards until a few months ago. 

Martico

Bank account switching - only done so twice (with a burner account) but that's brought in £375.
Prolific Academic surveys - been doing since late July - brought in £418.
Heeding advice on various threads around budgeting, setting boiler and room temps efficiently

I'd previously looked at the main site for guidance on card transfers and the like, but I reckon inhabiting the forums has saved / made me in excess of £1,000 this year

DjangoUnchained

clearing all my debts apart from one which is with a debt collector and i have no intention of paying that one at all.

enthusiasticsaver

Checking on all our direct debits, cancelling any not used and reducing our gym membership bill and haggling Virgin Media and Sky down. 

13thlegion

herebeme said:

Learning on these boards about budgeting for annuals was a revelation. 

I thought I was good at managing my money but realised I just put big expenses on the card and then pay them off the next month rather than plan for them. But about to have an income drop and that won’t be possible soon. Have now got Zopa and Chase and am doing pots. 

The debt boards are full of so much useful advice for everyone, I can’t believe I’ve been reading MSE for over 10 years but never looked at the debt boards until a few months ago. 

Budgeting for annuals on a monthly basis is definitely the biggest change this year. 

PM22

I have survived without credit cards since April by budgeting every single month. If I can't afford it I now don't buy it.
I'm so very proud of myself.

MatyMoo

Giving giving up smoking, saving me at least £300 a month!

BlueJ94

Finally realising that tackling my debt isn’t all doom and gloom! I started at just over 6k in debt not knowing what to do and now having just £295 to pay by the end of January. Also learning more about how to deal with debt and there’s actually decent companies who can help by offering part settlements.

oh and being a volunteer on here!