July Pin Money Savings Challenge

spendaholic

With a weekly shopping budget of £50, and this week's bill at £43.36, my pin money savings were boosted by £6.64. Because I'm not using real money yet, all of my savings are virtual. But I am using the debit card these days.

Rebob

spendaholic - hope you do not mind me asking, what was your debt when you started to reduce it? I see it has gone down again!!!!!! congratulations!!!!!!!!!!!

omega_2

This week, Mum very kindly bought a paddling pool for dd :as I had already earmarked £5 for this, can add it to my PIN money. Watch the weather turn completely! Also gave 2 x 25p birthday cards, so a small saving there as well - 50p.
vPMS: cashed in £9.75s worth of boots points + saved another £3.50 on top because 2 items were on bogof. Copounage this week amounted to £2.75, plus £1.50 misc.

So, vPMS = £21.50.
aPMS = £20.00

Rebob

Got to get on with this challenge as dh has broken his forefinger and thumb so is off work. Got loads of tbags the other day on bogof so saved another £2.43.

jaybee

Rebob wrote:

Got to get on with this challenge as dh has broken his forefinger and thumb so is off work. Got loads of tbags the other day on bogof so saved another £2.43.

Ooooh! Broken thumb is nasty. Hope he gets over it well. Mine still gives me loads of trouble.

pink_fairy_7

Hello All
PIN received a boost tonight. Although yet to work out by how much. I did an online order with Tesc*.
£10 E coupon
£8.07 in BOGOF
£1.00 Reduced item.

Also order 10 packets of Andrx quilted toilet rolls which are half price on internet orders (84p).
I got 3 andrex and 7 quilted kleenex rolls substituted.
The andrx didn't come up half price on he bill so I telephoned tesc* and the nice man on the phone said that I could have all the loo rolls at 84p.
I realised afterwards that the kleenex all had £1.00 off coupons on them as well so tesc* actually paid me 16p for each packet I bought!!
Shopping came to £26.30 instead of £53. with £7.00 of coupons still to use

I'm only counting coupons as PIN money so I think it's another £10 in the pot :T :T

Adrift

My PMS are a bit pants. Only got £5.18p which was £4.00 from vouchers I got from doing a survey and £1.18 on multi-buy. As I'm going to go over my grocery budget this month it's going to eat my PMS anyway. Oh well it will soon be another month and I'll have another go.

BWs Adrift

squeaky

Maybe you should set next month's target at, say, a tenner under whatever this month's total outlay turns out to be. Then another tenner the month after that. Make it easy and painless.

It's not a race and nor is it a competition - the challenge is largely to challenge your self, not anyone else.

Adrift

Oh yeah I know Squeaky. I'm competitive with myself . I need PMS and to lower my grocery costs as I need to fund a business and have no capital. Got to clear my overdraft off first too. Oh well.

BWs Adrift

squeaky

Well you know you're on the right forum for that and, to be fair, you can go at whatever pace you like... but it can get very wearing if you tighten your belt very hard and don't allow yourself anything much in the way of treats etc. If it gets too wearing you can end up calling it a day and not doing it any more - which is why people often suggest that if you don't have to be dead mean with yourself - don't.

And doing the change in small steps really is easier, honest