what have/will you spend thursday 3rd jan 07?

hbl_2

mumofthreemonkies83 wrote: »

How do you all manage to keep your spending so low?

My spending has been rubbish lately... Mind you, it was mainly gifts for myself bought with money given to me at Xmas, but I didn't save nearly as much as I'd hoped (read: none).

Like pollyanna said, budgetting yourself some guilt free spending cash goes a long way. You can do what I do which is to open a separate bank account and pay a monthly sum (or weekly, if you're short on will power) into it which is yours to spend on anything you like. I prefer cars, booze and women, and then the rest I waste.

For the past year I've given myself £100 a month, with some occassional top ups, which even I've found is quite a lot of money when you get used to not spending. Having just paid off my grad loan, this will increase to £150 a month, and I hope that I find myself not spending all of it.

Spend less than you earn! I've seen some advisors break it down thus: 50% on what you NEED, 30% on what you WANT, and 20% to SAVE. For me, that was too generous, as I don't have any dependents or other financial burdens, so I've worked it out for 2008 to be approximately 65% SAVE, 20% NEEDS, 15% WANTS.

I'll be saving £650+ each month and living like a grotty miser.

poorbabe

Hi all

Back to work today and I'm still trying to stir myself :cool: . So far have spent £3.60 on lunch as I couldn't stir myself out of bed in time.

I'll update later if necessary.

Have a good'un :T

genfink

still no snow in Central London....

Skint_Catt

£7.59 in WHSmith on half price Christmas cards for next year :j
£1.53 on two cans of coke and a packet of crisps! Darn it! :mad:

Ah, well could have been worse!

No snow here either though its colder than cold and we were promised a 'sprinkling' from the BBC! :rotfl:

Catt xx

twirlypinky

Okay, not too good today.

I got up V late in error and didn't make lunch will NOT let that happen again by making it the night before) so spent £1.80 on sandwich and £0.80 on Diet coke.

Had to go to car shop to get screen wash, £1.99.


On the upside though, i made enough fish pie last night to have it for tea tonight too. Bonus! Less washing up too, hoorah!

TPx

brummiebabe

Have not ventured out of the house today...far too cold!!

My mum went to the supermarket so I got her to pick me up a few bits...came to £5.92 (from my shopping budget!)

Do need to go out to get a birthday present for my son's friend, but will do the tomorrow!

Have a great day everyone!

DenBo_4

Had to go into town for my free computer class. The bus is free, I took with me a peice of Xmas cake and a banana, and had two (free!)cups of tea at computer place. But I had to spend 75p on a birthday card from Wilkinsons, looked in card shops but nothing this cheap. The birthday present is going to be chocolate truffels (free gift from Sainsburys for my birthday) and some smellies that were given to me for Xmas! But I only have Xmas wrapping paper, will have to come up with some idea for wrapping paper, am not buying any

Yorkielass

£3.07 on a mystery shop but I'll get £3 back and it's all on food which I'll use:T

Nothing else planned

free4440273

free4440273 wrote: »

Morning PaP et al. :hello: Should be a NSD here:rolleyes: Hope everyone has a fantastic Thursday

Was indeed a NSD:j. Hope you all had a fantastic day at work/home. Be careful on the roads today also, if you're driving.

mrsmortenharket

hello!

no snow here.

£6.48 on groceries.

Lisa