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  • FIRST POST
    • Dizzy Ditzy
    • By Dizzy Ditzy 1st Jun 18, 8:08 AM
    • 17,097Posts
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    Dizzy Ditzy
    Saving for my first bricks and mortar...
    • #1
    • 1st Jun 18, 8:08 AM
    Saving for my first bricks and mortar... 1st Jun 18 at 8:08 AM
    Hi everyone!

    I've been having a little read of other people's stories on here so thought I'd start my own, hoping it'll keep me on track

    About me. I'm early 40's and have been renting forever. We have been very lucky with the landlord and not had a rent increase for 10 years, until now. He wanted to increase our rent by half again I worked out how much rent we'd paid to him over the years and was , and I realised that I could be paying that on my own house. That's how I ended up here!

    I earn below the national average and live in one of the most expensive cities outside of London for house prices. I'm able to put away between 200-250 a month at the mo but that should change in my favour in the next month or so, to put more away. I've a HTB ISA and "high" interest saving account and a pot at home for odd coins.

    I've a very long way to go on this so thought that keeping a diary here might help keep me focused when I find it difficult
    I'm a board guide on Quick Grabbit while you can, Marriage, Relationships and Families, Health & Beauty Moneysaving, Greenfingered Moneysaving, Praise, Vents and Warnings, Consumer Rights and Sports & Fitness Moneysaving boards.

    I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are purely my own and are not those of Moneysavingexpert.com. I am a board guide and not a moderator do not read every post. If you spot an iffy post please report it to forumteam@moneysavingexpert.com


    Aims for 2019 - Savings up to 8000 - 5240/8000. Lose 50lb - 4/50
Page 2
    • Kittikins
    • By Kittikins 12th Jun 18, 6:52 PM
    • 5,174 Posts
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    Kittikins
    Aw shucks x
    Sealed tin and beach 2p saving - trying to put everything under 1 in my purse in tins each day
    Moved house with my beloved DD and KW - 29.6.18
    • Dizzy Ditzy
    • By Dizzy Ditzy 13th Jun 18, 6:39 AM
    • 17,097 Posts
    • 283,778 Thanks
    Dizzy Ditzy
    Ooooh, an allotment, what are you growing? KW and I have one (well, he does it all as it's in his town, miles away from me, but we like to call it our allotment) and it's our first year doing it. Our radishes were woody and yuk but looks like we'll have lots of yummy strawberries soon!

    Keep picking up the pavement cash, I call them Reverbe's after a poster on here, who always seemed to find lots of coins. (Haven't seen her around for a long time, but she'll always be in my mind when I see a penny or more on the floor!)


    I'm a bit of a waffler I know....my diary may take a while to digest, lol
    Originally posted by Kittikins
    We have two allotments between us, both on different sites for the time being but if our council ever pull their fingers out, both plots will be on the same site

    We are growing hens and a single frog also growing the usual potatoes, courgettes, carrots, sprouts, onions, garlic, beetroot, spinach, rhubarb trees (a seven year old can get swallowed up by it ), strawberries, raspberries, gooseberries, red and black currants and a grape vine Hopefully if I get the second plot on the same site that will be ready for autumn planting for brassicas. Not got as many strawberries this year as we did the previous two, so no jam for me this year. We are still eating last years strawberry jam Also growing tomatoes, cucumbers, lettuce and chillies in the garden/greenhouse. Lucky enough to have two greenhouses in my garden so its always really busy there too!

    I love finding cash on the street. I found my first ever plastic fiver in the gutter. I kept it in a pot and now its in my house fund pot
    I'm a board guide on Quick Grabbit while you can, Marriage, Relationships and Families, Health & Beauty Moneysaving, Greenfingered Moneysaving, Praise, Vents and Warnings, Consumer Rights and Sports & Fitness Moneysaving boards.

    I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are purely my own and are not those of Moneysavingexpert.com. I am a board guide and not a moderator do not read every post. If you spot an iffy post please report it to forumteam@moneysavingexpert.com


    Aims for 2019 - Savings up to 8000 - 5240/8000. Lose 50lb - 4/50
    • Dizzy Ditzy
    • By Dizzy Ditzy 13th Jun 18, 6:42 PM
    • 17,097 Posts
    • 283,778 Thanks
    Dizzy Ditzy
    I've spent all of 27p today. Then I found 26p under the printer on my new desk at work so almost bingo
    I'm a board guide on Quick Grabbit while you can, Marriage, Relationships and Families, Health & Beauty Moneysaving, Greenfingered Moneysaving, Praise, Vents and Warnings, Consumer Rights and Sports & Fitness Moneysaving boards.

    I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are purely my own and are not those of Moneysavingexpert.com. I am a board guide and not a moderator do not read every post. If you spot an iffy post please report it to forumteam@moneysavingexpert.com


    Aims for 2019 - Savings up to 8000 - 5240/8000. Lose 50lb - 4/50
    • Kittikins
    • By Kittikins 13th Jun 18, 8:49 PM
    • 5,174 Posts
    • 44,340 Thanks
    Kittikins
    Wow! Great going Dizzy
    Sealed tin and beach 2p saving - trying to put everything under 1 in my purse in tins each day
    Moved house with my beloved DD and KW - 29.6.18
    • Dizzy Ditzy
    • By Dizzy Ditzy 16th Jun 18, 7:09 AM
    • 17,097 Posts
    • 283,778 Thanks
    Dizzy Ditzy
    I've ended this week with 1.75 in my purse....

    But...

    1.50 went on a bar of chocolate that gave me 2 back on Clicksnap

    Couple of 2 coins gone in the pot for this month

    1.10 last night on reduced melons for my chickens and doughnuts for the grown ups



    Could do better! But could have been worse too weekly shop to be done later so will know what the coming weeks totals are
    I'm a board guide on Quick Grabbit while you can, Marriage, Relationships and Families, Health & Beauty Moneysaving, Greenfingered Moneysaving, Praise, Vents and Warnings, Consumer Rights and Sports & Fitness Moneysaving boards.

    I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are purely my own and are not those of Moneysavingexpert.com. I am a board guide and not a moderator do not read every post. If you spot an iffy post please report it to forumteam@moneysavingexpert.com


    Aims for 2019 - Savings up to 8000 - 5240/8000. Lose 50lb - 4/50
    • savingwannabe
    • By savingwannabe 16th Jun 18, 11:50 AM
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    savingwannabe
    Your chickens eat melon! omg. How upmarket are they? Well done on saving something. I haven't even left the house yet.

    It's v windy here but no rain.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • Dizzy Ditzy
    • By Dizzy Ditzy 16th Jun 18, 11:56 AM
    • 17,097 Posts
    • 283,778 Thanks
    Dizzy Ditzy
    Your chickens eat melon! omg. How upmarket are they? Well done on saving something. I haven't even left the house yet.

    It's v windy here but no rain.
    Originally posted by savingwannabe
    They only ever get yellow sticker fruit that I haven't grown they love fruity treats

    I'm mid house clean at the mo, just finished cleaning the tiles in the loo room from top to bottom. Bathroom next. I hate that job with a passion so it doesn't get done very often

    We have that silly fine rain that doesn't get anything wet except your hair
    I'm a board guide on Quick Grabbit while you can, Marriage, Relationships and Families, Health & Beauty Moneysaving, Greenfingered Moneysaving, Praise, Vents and Warnings, Consumer Rights and Sports & Fitness Moneysaving boards.

    I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are purely my own and are not those of Moneysavingexpert.com. I am a board guide and not a moderator do not read every post. If you spot an iffy post please report it to forumteam@moneysavingexpert.com


    Aims for 2019 - Savings up to 8000 - 5240/8000. Lose 50lb - 4/50
    • Dizzy Ditzy
    • By Dizzy Ditzy 17th Jun 18, 7:52 PM
    • 17,097 Posts
    • 283,778 Thanks
    Dizzy Ditzy
    This weeks totals were 17 on shopping but this included 2 x 3 litre bottles of diet coke. They cost 4 and I can get 6 x 500ml bottles from each one. Previously I was spending 6 a week so there isn't a huge saving there but a saving is a saving and I'm not giving up my daily fix

    15 in my purse for this week this weekend I have a work party which will cost me 0.00 followed by drinks at the besties, which again won't cost me anything

    I did spend a tenner on Father's Day. Although I'd already bought and given him his present, I couldn't rock up today with nothing, so a bottle of wine, a couple of packs of biscuits and a bag of sweets and I have a happy daddio. I chucked in a box of Green & Blacks chocolates that I had hanging around the house
    I'm a board guide on Quick Grabbit while you can, Marriage, Relationships and Families, Health & Beauty Moneysaving, Greenfingered Moneysaving, Praise, Vents and Warnings, Consumer Rights and Sports & Fitness Moneysaving boards.

    I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are purely my own and are not those of Moneysavingexpert.com. I am a board guide and not a moderator do not read every post. If you spot an iffy post please report it to forumteam@moneysavingexpert.com


    Aims for 2019 - Savings up to 8000 - 5240/8000. Lose 50lb - 4/50
    • savingwannabe
    • By savingwannabe 17th Jun 18, 8:56 PM
    • 13,973 Posts
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    savingwannabe
    Well done. You will inspire me to save money tomorrow. Im going to try to stick to under 20 a week on supermarket shop.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • Dizzy Ditzy
    • By Dizzy Ditzy 18th Jun 18, 6:40 AM
    • 17,097 Posts
    • 283,778 Thanks
    Dizzy Ditzy
    Well done. You will inspire me to save money tomorrow. Im going to try to stick to under 20 a week on supermarket shop.
    Originally posted by savingwannabe
    The best thing I can advise is to make a list of what you already have in your freezer and build your shop around that - using the store cupboard essentials that you hopefully already have. Tonight I am making chicken curry and saag aloo with homegrown spinach and potatoes

    I am rather fussy about teabags and only like to drink one particular type. Of course, they are the "expensive" ones Even on offer, the cheapest I could find them yesterday was 3. B&M do the exact same teabags for 1.99. Again, not the biggest saving but it'll do for me

    Come back and let us know how you get on
    I'm a board guide on Quick Grabbit while you can, Marriage, Relationships and Families, Health & Beauty Moneysaving, Greenfingered Moneysaving, Praise, Vents and Warnings, Consumer Rights and Sports & Fitness Moneysaving boards.

    I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are purely my own and are not those of Moneysavingexpert.com. I am a board guide and not a moderator do not read every post. If you spot an iffy post please report it to forumteam@moneysavingexpert.com


    Aims for 2019 - Savings up to 8000 - 5240/8000. Lose 50lb - 4/50
    • savingwannabe
    • By savingwannabe 18th Jun 18, 1:23 PM
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    savingwannabe
    I can safely say that it was not a low spend! Blood sugars have been crackers for the past 24 hours so due to exhaustion, I ended up going and coming from the supermarket in a taxi - 9 for transport and then the food cost 26. Plenty were whoopsies but loads of healthy fruit and stuff. I hope it lasts for a while.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • Dizzy Ditzy
    • By Dizzy Ditzy 19th Jun 18, 6:39 AM
    • 17,097 Posts
    • 283,778 Thanks
    Dizzy Ditzy
    I can safely say that it was not a low spend! Blood sugars have been crackers for the past 24 hours so due to exhaustion, I ended up going and coming from the supermarket in a taxi - 9 for transport and then the food cost 26. Plenty were whoopsies but loads of healthy fruit and stuff. I hope it lasts for a while.
    Originally posted by savingwannabe
    Sometimes you have to do whats right for you at the time, and if that means getting a taxi because of health reasons then so be it.

    I am sure you got loads for your 26 and it will last you way more than a week! Whoopsies are very hit and miss around my way. I could drive to Morrisons and Asda but the yellow sticker brigades there are feral

    I spent 1.16 yesterday on fruit for work, and 14p today for a banana. Bananas are probably the only thing i insist on buying daily
    I'm a board guide on Quick Grabbit while you can, Marriage, Relationships and Families, Health & Beauty Moneysaving, Greenfingered Moneysaving, Praise, Vents and Warnings, Consumer Rights and Sports & Fitness Moneysaving boards.

    I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are purely my own and are not those of Moneysavingexpert.com. I am a board guide and not a moderator do not read every post. If you spot an iffy post please report it to forumteam@moneysavingexpert.com


    Aims for 2019 - Savings up to 8000 - 5240/8000. Lose 50lb - 4/50
    • savingwannabe
    • By savingwannabe 19th Jun 18, 3:39 PM
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    savingwannabe
    I wish I was a bit closer to the supermarket. It would save me loads.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • Dizzy Ditzy
    • By Dizzy Ditzy 23rd Jun 18, 8:28 AM
    • 17,097 Posts
    • 283,778 Thanks
    Dizzy Ditzy
    Good morning

    I'm not shopping this weekend because I don't need to I need to pick up a couple of things like cheese and bread but that's all I "need". I've got veg, two full freezers and potatoes waiting to be pulled

    I've ended this week on 2 left in my purse. It was 10 but I had to break into it to buy some margarine, I treated myself yesterday to a bottle of diet coke that was fizzy (decanted DC doesn't stay fizzy for very long ) and a pastry for breakfast. Last night I CBA to cook so I went to the chippy

    It's the work summer party today. Total cost to me - 0.00. It's a free bar and hog roast and I've made a cake entirely from ingredients I already had in

    Tonight I'm at my best friends for food and drinks and I'll only be paying for a taxi home

    Saving wise, only the odd 2 coin in the pot this week. However, I've been doing a bit of extra work which has netted me in the region of 70

    House prices are scaring me stupid now. A house across the road from me is on the market for offers in excess of 300,000 it doesn't even fit *any* of my criteria so goodness knows how much one that does would cost. That's why SO is my only option

    Lots of time outdoors this week for me - just as well I don't need to go out and buy suncream
    I'm a board guide on Quick Grabbit while you can, Marriage, Relationships and Families, Health & Beauty Moneysaving, Greenfingered Moneysaving, Praise, Vents and Warnings, Consumer Rights and Sports & Fitness Moneysaving boards.

    I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are purely my own and are not those of Moneysavingexpert.com. I am a board guide and not a moderator do not read every post. If you spot an iffy post please report it to forumteam@moneysavingexpert.com


    Aims for 2019 - Savings up to 8000 - 5240/8000. Lose 50lb - 4/50
    • savingwannabe
    • By savingwannabe 23rd Jun 18, 10:27 AM
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    savingwannabe
    Well done on not needing to buy much food and on saving some money.

    OMG a free bar at work and a free works do. That is fab. Wish our work was like that!

    Houses are so expensive but at least you are doing something towards obtaining one. Many people don't even think about it and are wasting money with no thought to the future.

    I'm gardening too! Thank you so much for your help with the query on the thread. The weather is glorious here.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • Dizzy Ditzy
    • By Dizzy Ditzy 24th Jun 18, 3:45 PM
    • 17,097 Posts
    • 283,778 Thanks
    Dizzy Ditzy
    Well yesterday was fun I came home with cans of alcohol and a box full of roast pork which was courtesy of my very friendly local butcher. I've just pulled up the first of the potatoes too so no prizes for guessing what I'm having for dinner this evening

    I'm just about to start the process of switching allotments too so we will both have plots not only on the sane site but right next to each other I'm gradually running my original one down and will give that up at the end of September once I've harvested all the grapes in the meantime, there is some serious work required at the new one but we will get there. I've already got all the tools and bits/pieces that I need. Hoping not to have to spend any money on the new plot other than seeds which I'm going to pick up tomorrow - I want to get some cabbages in so if I start them at home now, by the time I've got space ready for them, they'll be ready to go in.

    My head is absolutely chock full of so much at the mo - saving, saving and saving, work, allotmenty stuff and keeping on top of the usual household chores
    I'm a board guide on Quick Grabbit while you can, Marriage, Relationships and Families, Health & Beauty Moneysaving, Greenfingered Moneysaving, Praise, Vents and Warnings, Consumer Rights and Sports & Fitness Moneysaving boards.

    I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are purely my own and are not those of Moneysavingexpert.com. I am a board guide and not a moderator do not read every post. If you spot an iffy post please report it to forumteam@moneysavingexpert.com


    Aims for 2019 - Savings up to 8000 - 5240/8000. Lose 50lb - 4/50
    • savingwannabe
    • By savingwannabe 24th Jun 18, 6:32 PM
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    • 47,479 Thanks
    savingwannabe
    Holy moly I struggle to mow the grass and grow flowers -you are growing grapes? OMG. How inspirational is that!!!!!You do sound v busy though do rest a bit.

    Well done on the roast pork and alcohol. It sounds great. Hope you are enjoying the weather.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • Dizzy Ditzy
    • By Dizzy Ditzy 27th Jun 18, 7:41 AM
    • 17,097 Posts
    • 283,778 Thanks
    Dizzy Ditzy
    The process of switching allotments has begun I have got the one next to where my chickens are so I can start winding down my original plot and bring stuff from there to the new one. Goes without saying that i will be spending as little money as possible on this project! I will be buying some cabbages as plug plants as I want to get going as soon as possible but there's a sale locally to me that is selling well established ones for 25p

    I also sold some concert tickets that I am not able to go to, and the money has hit my account today so I have booked in to have my hair done for the first time in 6 months. If my hair wasnt highlighted, I'd do it myself! That is my treat to me and the rest will go in the saving pot. I've also got a few quid coming to me for extra work that I have been doing so that will go in the pot too
    I'm a board guide on Quick Grabbit while you can, Marriage, Relationships and Families, Health & Beauty Moneysaving, Greenfingered Moneysaving, Praise, Vents and Warnings, Consumer Rights and Sports & Fitness Moneysaving boards.

    I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are purely my own and are not those of Moneysavingexpert.com. I am a board guide and not a moderator do not read every post. If you spot an iffy post please report it to forumteam@moneysavingexpert.com


    Aims for 2019 - Savings up to 8000 - 5240/8000. Lose 50lb - 4/50
    • Dizzy Ditzy
    • By Dizzy Ditzy 27th Jun 18, 12:18 PM
    • 17,097 Posts
    • 283,778 Thanks
    Dizzy Ditzy
    More success - I booked a hotel which i am not able to use now so they have very kindly refunded me so thats going in the pot too
    I'm a board guide on Quick Grabbit while you can, Marriage, Relationships and Families, Health & Beauty Moneysaving, Greenfingered Moneysaving, Praise, Vents and Warnings, Consumer Rights and Sports & Fitness Moneysaving boards.

    I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are purely my own and are not those of Moneysavingexpert.com. I am a board guide and not a moderator do not read every post. If you spot an iffy post please report it to forumteam@moneysavingexpert.com


    Aims for 2019 - Savings up to 8000 - 5240/8000. Lose 50lb - 4/50
    • Kittikins
    • By Kittikins 27th Jun 18, 2:28 PM
    • 5,174 Posts
    • 44,340 Thanks
    Kittikins
    That's nice that you could cancel and get a refund, rather than having to rebook later.

    48 hours til we move house
    Sealed tin and beach 2p saving - trying to put everything under 1 in my purse in tins each day
    Moved house with my beloved DD and KW - 29.6.18
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