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    • adventureofmemories
    • By adventureofmemories 22nd Dec 17, 10:54 PM
    • 176Posts
    • 543Thanks
    January | Penny Pincher Challenge
    • #1
    • 22nd Dec 17, 10:54 PM
    January | Penny Pincher Challenge 22nd Dec 17 at 10:54 PM
    The challenge
    The aim of this challenge is to create a list of 15 tasks that you will aim to complete in the month to help you save money or to be more financially stable.

    • There must be 15 items on your list
    • Each task is worth 1 "point" . You will gain an extra 5 points for completing every task at least once.
    • Please update us at least weekly with your current 'point' status so we can include you in our weekly tally
    • Keep track of your tasks and how many times you have done them
    • There isn't a limit to how many times you do the tasks as long as it helps you to save moeny in some ways
    • You can include other challenges such as the sealed pot challenge, save £1 a day etc...
    • Try to mix your list up to help you avoid being stuck in a rut
    • Try to join in with our chats / coffee mornings as well as our mini challenges (Which won't always be money/finace based)
    • you may change your list as needed
    How to join
    • Post your 15 tasks from the list below & act on them throughout the month.
    • You will get given a number and the members list will be posted below.
    • Be sure to keep us updated with your progress so we can add your points!
    Debt to fiancee - £404.00 (left to pay) | Save £12,000 in 2018 - £371.90 all together|2,018 items in 2018 (8/2,018)
Page 6
    • RhiBi
    • By RhiBi 4th Jan 18, 11:12 PM
    • 581 Posts
    • 1,712 Thanks
    Really sorry to here about your illness. I think it's generally a good idea to allow yourself some treats so don't feel bad about it . £28.50 a month is a perfectly reasonable amount to spend on yourself, especially when it's something healthy!

    6 points for me today. Think I may need to increase my step target but will wait until I start work again next week.
    Originally posted by starting_again_in_the_sun
    Thank you for your kind words xx
    Virtual Sealed Pot 2018 #7 £173.69/£250
    • worklifebalance
    • By worklifebalance 4th Jan 18, 11:38 PM
    • 42 Posts
    • 344 Thanks
    At work yesterday and off sick today as I've come down with a bug but still keeping an eye on the money. 11 points over the 2 days
    SPC #459 no 8 2015 £203 2016 £157 2017 £70
    starting mortgage £120,000 June 2012
    OP 2015 £5000, 2016 #57 £28866/ £25000
    • dizzytina
    • By dizzytina 5th Jan 18, 7:36 AM
    • 728 Posts
    • 3,584 Thanks
    Good day for me yesterday. I went to the supermarket for some bits and only used cash. 1pt. I followed my meal plan 1pt and i used chicken up from the freezer 1pt. I checked our bank account online 1pt and i resisted buying any clothes whilst out 1pt and did no online shopping 1pt :-) I cleared out 2 more drawers full of items and took 3 bags to the charity shop 1pt. I also listed 3 items on Facebook selling site and have sold 2 of them 1pt. I ran 1.6 miles last night so another 1pt there :-)
    9Pts in total for yesterday
    MBNA £8812.79£8,411.69 SANT £3168.74£2893.13 BARCLAY £5661.87£5573.53 NEXT £0 ARGOS £1857.12£1569.18
    #29 1% debt challenge £124.00/£30.84
    • Tollycat
    • By Tollycat 5th Jan 18, 7:42 AM
    • 1 Posts
    • 1 Thanks
    I see that there are a few deals around to join this January 2018: Bella mag, The Mirror this weekend and some on their website. Which is the best financial deal? I find it too confusing!!!129300;
    • starting_again_in_the_sun
    • By starting_again_in_the_sun 5th Jan 18, 9:04 PM
    • 117 Posts
    • 628 Thanks
    8 points for me today.
    Still haven't used slow cooker or had a NSD but it's the holidays so I'll let myself off .
    • rosieraspberry
    • By rosieraspberry 6th Jan 18, 12:03 AM
    • 33 Posts
    • 14 Thanks
    Late joiner here. This is my 15:
    1) Always use loyalty cards when shopping
    2) Always scan receipts through shoppix on the date of purchase for the extra bonus points
    3) Earn as many swagbucks as possible
    4) Shop around to find best deal when making a purchase
    5) Meal plan
    6) Do smaller shops
    7) Sell unwanted items
    8) Avoid buying alcohol, snacks and chocolate
    9) Avoid withdrawing cash
    10) Keep on top of grocery account - do not overspend on the food shop
    11) Get more items from Shopmium and Checkoutsmart
    12) Plan gifts in advance and where possible use amazon vouchers from swagbucks
    13) Use pricey lotions and potions sparingly
    14) On payday put bill money in high interest account until the day before direct debits are taken and keep a strict diary so there are no mistakes
    15) Time showers to help keep water bill down (we have a water meter)
    • villagelife
    • By villagelife 6th Jan 18, 7:47 AM
    • 1,404 Posts
    • 15,504 Thanks
    By catching bus to work, taking my lunch, drinking more water, meal planning, checking and doing surveys and checking banking i have

    11 points

    Over the last couple of days. Received a layout from a survey site which helps with the motivation.
    • RhiBi
    • By RhiBi 6th Jan 18, 5:54 PM
    • 581 Posts
    • 1,712 Thanks
    1. Save all spare change

    4. meal plan
    5. set a target for a specific amount of No Spend Days (3 per week)

    7. Check bank accounts frequently

    10. Create a shopping list & stick to it
    11. Only go shopping when there is 3+ items on the list
    12. Stop buying branded food
    13. Give yourself a limit to spend
    14. Create a budget
    15. Use left overs / search for cheap meals

    19. Reuse shopping bags

    Super pleased with my 11 points today.

    I went to Aldi with my list and stuck to it. Last night I sorted through my freezer and made a list of everything thatís in there, of which there is lots! So my shopping came to £37.70 as I bought things to go with the meat in the freezer. Meals and packed lunches are planned for the week, so itíll just be things like bread and milk through the week now!
    Virtual Sealed Pot 2018 #7 £173.69/£250
    • starting_again_in_the_sun
    • By starting_again_in_the_sun 6th Jan 18, 8:26 PM
    • 117 Posts
    • 628 Thanks
    7 points for me today. Finally managed a NSD .

    Off to the sales tomorrow then back to normality on Monday .

    Hope everyone is having a lovey weekend.
    • iammumtoone
    • By iammumtoone 7th Jan 18, 10:05 AM
    • 5,611 Posts
    • 11,397 Thanks
    Poping in to say I am still about. Had a terrible few days which lead to overspending I did get some really good bargains in the sales but feel guilty as whilst it is stuff I like I didn't actually need it.

    Never mind I can't change it and have to resolve to put it behind me and start again. This has been my problem in the past I have a few bad days and just give up.
    • keggsy
    • By keggsy 7th Jan 18, 1:42 PM
    • 38 Posts
    • 133 Thanks
    Hi All,

    Sorry I have not updated for a few days:

    So from the 4th to the 6th...

    I have checked our bank account everyday...3 Pts
    I went shopping on Friday and out yesterday and didn't buy any bags...2 Pts
    Managed to save 2 £2 coins...2 Pts
    Used cash instead of my card....2 pts
    Had 1 NSD.....1pt
    Created a meal plan for next week....1 pt
    No spends on Amazon.....3pts

    14 points!

    I'm doing pretty well, I am still motivated which is great.

    I did have to spend some money yesterday on some new school trainers for my DS (he's 6). He forgot to bring his PE kit home at the end of term, he brought it back home on Thursday so I could wash it for tomorrow. When I emptied it I found there were no trainers.

    I asked him where they were and he said he lost them a few weeks ago and has been doing PE in his school shoes!!!!!!!! His £45 school shoes...I thought they looked a bit grubby at the end of term. He's checked lost property but no luck. £12 spent on a cheap pair yesterday.
    Trying to make our money work for us and not the other way round!!
    • scrooge2008
    • By scrooge2008 7th Jan 18, 5:24 PM
    • 1,294 Posts
    • 4,587 Thanks
    Weekly Update
    43 points this week - still feel that the week controlled me, rather than the other way around, with a lot of fire-fighting and time- wasting, but onwards and upwards.

    Well done everyone for all your sterling efforts.
    I learned that courage was not the absence of fear, but the triumph over it. The brave man is not he who does not feel afraid, but he who conquers that fear.
    • starting_again_in_the_sun
    • By starting_again_in_the_sun 7th Jan 18, 7:53 PM
    • 117 Posts
    • 628 Thanks
    10 points for me today, including my weekly points for keeping a spending diary, grocery challenge and not using credit card.
    • worklifebalance
    • By worklifebalance 8th Jan 18, 11:00 PM
    • 42 Posts
    • 344 Thanks
    Haven't been posting as not too well over the last few days but back to the challenge tomorrow in ernest!
    SPC #459 no 8 2015 £203 2016 £157 2017 £70
    starting mortgage £120,000 June 2012
    OP 2015 £5000, 2016 #57 £28866/ £25000
    • villagelife
    • By villagelife 10th Jan 18, 9:24 AM
    • 1,404 Posts
    • 15,504 Thanks
    Over last few days

    24 points.

    Been suffers from a bad back but trying hard to catch bus, stick to menu plan, do surveys and keep on top of banking.
    • starting_again_in_the_sun
    • By starting_again_in_the_sun 10th Jan 18, 10:29 PM
    • 117 Posts
    • 628 Thanks
    Managed another NSD today . 21 points for the last 3 days.
    • keggsy
    • By keggsy 11th Jan 18, 1:19 PM
    • 38 Posts
    • 133 Thanks
    Update for the past 2 days..

    2 points for checking my bank accounts.
    1 point for opening separate bank accounts for my kids.
    1 point for a NSD
    2 points for no amazon
    2 points for no takeaways
    1 point for taking my shopping bags out.

    I hope everyone is ok x
    Trying to make our money work for us and not the other way round!!
    • dizzytina
    • By dizzytina 13th Jan 18, 4:50 PM
    • 728 Posts
    • 3,584 Thanks
    NUMBER 19 checking in for the first time since last friday! 65 points for me for the period from sat 6th up to yesterday
    MBNA £8812.79£8,411.69 SANT £3168.74£2893.13 BARCLAY £5661.87£5573.53 NEXT £0 ARGOS £1857.12£1569.18
    #29 1% debt challenge £124.00/£30.84
    • Penniesforfuture
    • By Penniesforfuture 20th Jan 18, 10:17 AM
    • 52 Posts
    • 219 Thanks
    hey its me, Adventuresofmemories . i just swapped accounts
    I'm redoing my list of things now
    Emergency Funds: £217.32 / £1,000
    SPC #201 - £42.44 | VSPC #?? £3.98 |
    EF B/A : £170.90

    Taking one step a time.
    • Chocolatedrinker
    • By Chocolatedrinker 28th Jan 18, 5:37 PM
    • 240 Posts
    • 1,779 Thanks
    Sorry I haven't updated much this month, will start again next month.
    I need some more manageable goals as I am struggling to do a lot of things at the moment.
    March NSD 0/5; 2018 1% challenge - 9% gone ; £2 savers £168; 5p savers £10.00; 20p savers £60; declutter 2018 in 2018 - 454/2018 CCCC 2018 £80/£300
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