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  • FIRST POST
    • Ladykernow
    • By Ladykernow 27th Nov 16, 7:31 PM
    • 276Posts
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    Ladykernow
    Lady K's savings diary
    • #1
    • 27th Nov 16, 7:31 PM
    Lady K's savings diary 27th Nov 16 at 7:31 PM
    I wanted to get my saving thoughts and ideas down somewhere and thought this would be the great place to do it. I hope you all don't mind!

    I'm 27, I moved out to live with my partner just over a year ago. I started a degree with the OU and I also changed jobs from being a carer to working in an opticians. Although the wage wasn't too bad where I worked, after 8 years in care I wanted to do something different and took the opportunity to try something different, even if it meant less money.

    My partner makes around 26,000, I make around 15,000 before tax.

    My partner showed me how to put together my own excel spreadsheet for this years money. I spent a whopping 12000 just this year. This does include all the things I have to spend money on, rent, bills, car, shopping.

    Today I found out I have 5 to last me until payday.

    So, I am stuck cash wise for a bit.

    The savings I will be making:
    I will be going to the bank and getting rid of the account where I pay 10 a month. 10
    As of October, I stopped buying contacts on the contact lens reward scheme. I wasn't wearing them that much and now wearing glasses in my new job was easier than working in care! 15.50

    My goal for 2017 is to save 2000. A small amount I know, but if I set little goals I might hit them quicker! I also have another small goal, which is to find a job where I earn slightly more. But I need some confidence before I do that!

    Lady K
    Last edited by Ladykernow; 27-11-2016 at 7:34 PM.
Page 1
    • Ladykernow
    • By Ladykernow 28th Nov 16, 10:32 AM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    • #2
    • 28th Nov 16, 10:32 AM
    • #2
    • 28th Nov 16, 10:32 AM
    I've put my car in to be repaired as the sister in law crashed into it a few months ago. Luckily she's paying. I haven't got a car for the next 3 days, which is good as I can finish off jobs at home (it's my holiday) and finish my essay.

    I will be sending my old phone to be recycled for 15. When that's paid in I will add that to my savings.
    • Poppy3008
    • By Poppy3008 28th Nov 16, 10:14 PM
    • 91 Posts
    • 422 Thanks
    Poppy3008
    • #3
    • 28th Nov 16, 10:14 PM
    • #3
    • 28th Nov 16, 10:14 PM
    Seems like you have a good plan! Good luck!
    • Ladykernow
    • By Ladykernow 29th Dec 16, 7:50 PM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    • #4
    • 29th Dec 16, 7:50 PM
    • #4
    • 29th Dec 16, 7:50 PM
    Luckily I am getting paid tomorrow. I'm on 86p. We've come back from our holidays seeing our family, which proved a bit more expensive than I had hoped. But everyone was happy, that was the main thing.

    I am taking part in the sealed pot challenge, my goal is to reach 1500. It was going to be 2000, but if I can reach that goal, then i'll carry on. Wish me luck!

    I am also taking on the no spend challenge this year. Of course, some items are necessary such as rent, bills, food. But I must cut out all the spending. Even reducing the charity shop book hauls. I'm going to make use of the library instead and the massive TBR pile that's in the spare room.





    Lady K
    • Ladykernow
    • By Ladykernow 30th Dec 16, 6:25 AM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    • #5
    • 30th Dec 16, 6:25 AM
    • #5
    • 30th Dec 16, 6:25 AM
    I've been paid! Yay! Not as much as I thought I was going to be paid.
    I got the 100 bonus from work last month, so i'm going to bank that in the next few weeks when I know that i'm still safe on my balance.
    • savingwannabe
    • By savingwannabe 30th Dec 16, 10:14 AM
    • 14,214 Posts
    • 47,674 Thanks
    savingwannabe
    • #6
    • 30th Dec 16, 10:14 AM
    • #6
    • 30th Dec 16, 10:14 AM
    Hello you have inspired me too. I am copying you and am only going to buy necessities. Welcome.
    Christmas Fund 248 No spend month?
    • Ladykernow
    • By Ladykernow 30th Dec 16, 5:25 PM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    • #7
    • 30th Dec 16, 5:25 PM
    • #7
    • 30th Dec 16, 5:25 PM
    Hello you have inspired me too. I am copying you and am only going to buy necessities. Welcome.
    Originally posted by savingwannabe
    Aw thank you! I had lots of toiletries given to me over christmas, so i'm going to use them all up before I buy anymore. I was under the impression for years that I must keep one of the products given to me because I wouldn't find them again, but actually I should just use them, otherwise it's a waste!

    Today is my second no spend day. I have to pay for my medication tomorrow though, but i'm going to put 30 in the bank and transfer it into my 1500 saving.
    • Ladykernow
    • By Ladykernow 31st Dec 16, 5:58 PM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    • #8
    • 31st Dec 16, 5:58 PM
    • #8
    • 31st Dec 16, 5:58 PM
    Today I put 31 in the bank. 1334 to go. I will of course keep carrying on after I reach my target of 1500.

    Instead of using the beef tonight, which is due to go out of date on the 3rd, we are having left over curry. Our friends cancelled plans for new year, so we are having drinks at home and netflixs.

    Happy new year everyone! I wish you all an amazing 2017, and hope you reach your money saving goals!
    • Ladykernow
    • By Ladykernow 2nd Jan 17, 3:20 PM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    • #9
    • 2nd Jan 17, 3:20 PM
    • #9
    • 2nd Jan 17, 3:20 PM
    My partner and I resisted the urge to go to the coffee shop today.
    But we used our gift voucher that we got for Christmas to finally buy a toaster. To be fair, I would be too busy reading or getting things done in the morning and the toast would end up burning!

    I'm so proud! I put on our little board at home how much I want to save this year, and my partner wrote 2500 for his target. I found this site last night:

    https://www.quickquid.co.uk/quid-corner/frugal-living-handbook/chapter1.html

    Really enjoyed having a read through it. So hopefully it will come in handy for other people too. I doubt i'll be able to save 250 every month, I'm aiming for 125 at least. More if I can.

    I did a bit of studying today, and will continue to do some more tonight. Tuesday evening and Wednesday all day I will be studying as I have spare time and a day off work. Resisting the urge to go to the shops!

    I placed two things I didn't want in the charity bag this morning.
    • Ladykernow
    • By Ladykernow 8th Jan 17, 10:49 AM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    It was my first unnecessary spend last night. I went out and spent 10 in total. 5 for the bus and then 5 for the games table. It was a games bar! I drunk water for the night. Free and healthy!

    I've saved 171/1500 so far this month. I have 190 left over from payday.

    I've quite enjoyed using up what we have for left overs or assessing whether I really need to buy something. I can still have fun without spending too much, hence drinking tap water.

    Will keep you all updated next week.

    Lady K
    • Houseplant26
    • By Houseplant26 8th Jan 17, 5:54 PM
    • 471 Posts
    • 2,321 Thanks
    Houseplant26
    Hi Lady K!

    Nice to see you diary if you don't mind I will subscribe.

    We're in fairly similar situations in that we're a similar age and have a similar financial situation. I too have been trying to save and I've managed 600 since I started my diary. I'm probably aiming for a similar amount as I really want to travel to Aisa for a few weeks and will need at least that.
    • Ladykernow
    • By Ladykernow 8th Jan 17, 7:52 PM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    Hi Lady K!

    Nice to see you diary if you don't mind I will subscribe.

    We're in fairly similar situations in that we're a similar age and have a similar financial situation. I too have been trying to save and I've managed 600 since I started my diary. I'm probably aiming for a similar amount as I really want to travel to Aisa for a few weeks and will need at least that.
    Originally posted by Houseplant26
    Not at all. It's here to track my progression. Have you got one on here too?

    Ooo that's a great idea. I hope you reach your target.
    • Houseplant26
    • By Houseplant26 9th Jan 17, 7:53 AM
    • 471 Posts
    • 2,321 Thanks
    Houseplant26
    Not at all. It's here to track my progression. Have you got one on here too?

    Ooo that's a great idea. I hope you reach your target.
    Originally posted by Ladykernow
    I do have a diary on here yes. I'm not sure I started it in the right place really but if you go to my profile you'll find it. I've found it pretty helpful at being accountable for my spending. Thank you I hope you do too, we can definitely do this and we will be so happy when we do!
    • Houseplant26
    • By Houseplant26 9th Jan 17, 7:54 AM
    • 471 Posts
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    Houseplant26
    Oh I also wanted to say that it's brilliant you're doin a course with the OU and I'm really impressed that you're fitting that in.
    • savingwannabe
    • By savingwannabe 9th Jan 17, 8:10 AM
    • 14,214 Posts
    • 47,674 Thanks
    savingwannabe
    hi I think I have found the link. I will try to add a link for you.

    http://forums.moneysavingexpert.com/showthread.php?t=5499868
    Christmas Fund 248 No spend month?
    • Ladykernow
    • By Ladykernow 12th Jan 17, 6:32 AM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    I started a mini blog to get my writing, it's still being worked at, but if anyone is interested I would love for you to take a look.

    https://lilmissbudget.wordpress.com/

    Spent 39 on petrol yesterday. My phone bill over christmas rocketed so I need to pay that this month. Went over on my allowance!
    • Ladykernow
    • By Ladykernow 17th Jan 17, 6:19 AM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    Potted 15 last night into my savings, which makes it up to 200/1500. I'm hoping to have a little bit more saved by the end of this month. I'll have to see what is left over.

    I've got everything ready for pasta tonight, going to add some other foods in there to bulk it up and use it up. Also have to finish my essay tonight!

    My no spending on unnecessary things is going well. I've been taking food to work, drinking the free coffee at work and not having one when I come home. (Hopefully will help me to sleep better).

    I am feeling a bit down again that we don't go on fancy holidays like some people. But then I think, i'm not a massive traveller and it's not something I ever did as a child. My partner appears to be the same. We've never really talked about planning a holiday away, only back to our hometown, probably because it's cheaper!

    I've nearly finished my 2nd book for the year too. I'm going to slowly work through the pile I have from last year that I have to read.

    Happy saving!

    Lady K
    • savingwannabe
    • By savingwannabe 17th Jan 17, 8:10 AM
    • 14,214 Posts
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    savingwannabe
    OMG Ladykernow you are doing so well. Taking food to work, saving money not enough people do that you know. I too keep seeing adverts of people on glamorous holidays on the tv - remember it's just marketing someone is being paid a lot of money to make us 'want' something we do not need and something that is not permanent.

    You are doing just great you are smart. It does hurt I know I feel it too sometimes but you are investing your money in your future. Holidays can come later when you have built strong foundations. Other people may not have solid foundations and it will all come tumbling down for them in the form of debt as they have been seduced by advertising and purchased things through credit cards which they cannot pay off.

    Please continue to stay positive. It will work out you will see.
    Christmas Fund 248 No spend month?
    • Ladykernow
    • By Ladykernow 17th Jan 17, 5:31 PM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    OMG Ladykernow you are doing so well. Taking food to work, saving money not enough people do that you know. I too keep seeing adverts of people on glamorous holidays on the tv - remember it's just marketing someone is being paid a lot of money to make us 'want' something we do not need and something that is not permanent.

    You are doing just great you are smart. It does hurt I know I feel it too sometimes but you are investing your money in your future. Holidays can come later when you have built strong foundations. Other people may not have solid foundations and it will all come tumbling down for them in the form of debt as they have been seduced by advertising and purchased things through credit cards which they cannot pay off.

    Please continue to stay positive. It will work out you will see.
    Originally posted by savingwannabe
    Really? It doesn't feel like it at times! I'm sure when I check my balance at the end of the year I will think completely differently.

    You are right, you see something on an advert, or in a shop and you think that's going to make you happy. But it's only a short term goal!

    Thank you so so much for your kind words! xxx
    • Ladykernow
    • By Ladykernow 19th Jan 17, 6:56 PM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    Today is day 19 of the no spend. Yesterday I was craving crisps to buy at lunch, but I decided to stick with my sandwich, an orange and leftover christmas cake! My work colleagues found it hilarious that I was still eating christmas cake for lunch. I was trying to use what we had left in the house.

    The no spend month has been hard at times, but then I look at my balance and realise that conscious spending has really made a difference to my bank balance. I don't think my partner even realises what i'm doing! But we are having a challenge of how much we can save. Mine being 1500, his 2000.

    We did our shop this evening, everything has to last as long as it can. We also got 2 free samples of toilet rolls! (Smiley face needed, I love free samples!)

    A productive note, sent my essay last night. Plus, I did the hoovering, dishes, took bins out, recycling, all before 7am this morning. It made it so much easier when we came home this evening.

    My partner also has found a new hobby. Woodwork. He collected some free pallets and has made a work bench for himself! He calls himself a wood womble!

    Lady K
    Last edited by Ladykernow; 19-01-2017 at 7:08 PM.
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