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How are you all saving for your deposits
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Today I went to the supermarket on my bike though I will have to be more disciplined next time as I looked a right sight cycling home with all my shopping bags.
A rucksack is your friend. OH cycles to the supermarket with one, and it's much handier than carrier bags....much enquiry having been made concerning a gentleman, who had quitted a company where Johnson was, and no information being obtained; at last Johnson observed, that 'he did not care to speak ill of any man behind his back, but he believed the gentleman was an attorney'.0 -
Cut down on drinking - There was a time I spent ~£60 per night out, and on average I went out on the !!!! twice a week. That's ~£6240 a year. And I felt like absolute !!!! the next day too... Now I go out drinking once every three weeks on average, and somehow end up just as drunk on £30 (probably cos I'm so out of practice I've really become a lightweight!). So, I'm down to about £520 a year !!!!ed away at the pub. I'm lucky in that my mates are all for some reason or another cutting down their drinking (health, mortgage, work weekends, deposit saving etc) so it's not like I'm missing out, we've all cut down together and find cheaper stuff to do on the sober weekends.
:coffee: :TLiving Sober.
Some methods A.A. members have used for not drinking.
"A simple book for complicated people"0 -
It's because my father's a management accountant, I caught the Excel bug, if not the career. He's written a spreadsheet that solves the Sudoku for him when he gets stuck.
As for the other half, given that I've promised her that if I stay on my savings target until 2016 and she hasn't left me I'll buy her the handbag she wants, she puts up with it.
The handbag, by the way, costs two months' wages. Good to tell her family are millionaires isn't it? Might have to behave appallingly towards her for the whole of 2015...
I am fortunate that the OH has seen the expensive handbag market for the scam it truly is!In case you hadn't already worked it out - the entire global financial system is predicated on the assumption that you're an idiot:cool:0 -
Great replies...I wish I had a speadsheet as well......just one more thing...pulling together, saving money is great fun but not if you are walking round the house turning lights off after other people, sit down with the family and work out a plan. Enjoy.
AxDon't believe everything you think.
Blessed are the cracked...for they are the ones who let in the light. A x0 -
:T Fantastic thread, very inspirational indeed - Thanks to all for their tips and personal experiences!0
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neverdespairgirl wrote: »That reminds me, I need to get my mother to make elderflower wine again, it's fantastic stuff!
Ooh, that sounds good. Do you want to bring your other half down the jubilee line with a bottle for dinner sometime? You could be a good influence - try and explain to my young lady that no normal handbag should cost £4k, that sort of thing...Hurrah, now I have more thankings than postings, cheers everyone!0 -
Tell her she (or you) has to work for around 2 and a half months to get one handbag! After tax of course.
The handbag, by the way, costs two months' wages. Good to tell her family are millionaires isn't it?
Would I work 2 and half months to buy a handbag?
silly question
Actually more than 2 and a half months, because you are only spending disposable income, only you know what that is, guessing 6 months wages?Freedom is not worth having if it does not include the freedom to make mistakes.0 -
Show her the thread on one of the other boards where people are living for a year on £4k. In fact, I pretty much live on that much without even trying and not because I have to, it's because I hate shopping and I don't want "things".Ooh, that sounds good. Do you want to bring your other half down the jubilee line with a bottle for dinner sometime? You could be a good influence - try and explain to my young lady that no normal handbag should cost £4k, that sort of thing...0 -
I'd agree with this. My parents are in their 70s/80s and use their rucksacks for shopping, you can carry a LOT more and not even feel the weight. I also used a rucksack to go shopping a couple of times and it's THE best way to carry stuff.neverdespairgirl wrote: »A rucksack is your friend. OH cycles to the supermarket with one, and it's much handier than carrier bags.
But I do have the fear of God in me over where to leave the bike so it won't be nicked or vandalised. I'd not want to come out with a full load of shopping on my back only to discover some scroat had nicked my seat/front wheel. They come off in 10 seconds flat.0 -
£112k in 8 years is £1000 per month EVERY month, plus the interest/compound interest.neverdespairgirl wrote: »You've paid off £12k and saved £100k in 8 years? Bloody hell, that's amazing.
I wish I had another half to send out to work. The difference is staggering.0
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