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  • FIRST POST
    • thrifty-hayley
    • By thrifty-hayley 26th May 19, 10:42 AM
    • 91Posts
    • 279Thanks
    thrifty-hayley
    Little steps: My saving diary
    • #1
    • 26th May 19, 10:42 AM
    Little steps: My saving diary 26th May 19 at 10:42 AM
    Hi everyone, I'm a returning poster and previously wrote about my battle to save money here In the time between my last post and this one, I spent a year working for a family who had zero respect for me, which pushed me into taking a risk on moving away and then 2 years working as a live in nanny 250 miles away from home. While I was a live in, my wages were low but my living expenses were covered so I managed to save a fair bit of my income.

    In the end I wanted to move closer to home and after 2 years living in my nanny family's spare room I was craving my own space away from work! Now I'm living in Yorkshire in a house share and working a 5 min drive away. I feel much happier generally but it hasn't worked out so well financially.

    When I left my live in job I had approx 9k in a LISA, which I can't access until I buy a house and just under 4k in savings which I lived on in the 3 months between moving back to my parents house and job hunting/relocating to Yorkshire. I've some teething problems in the first few months of my new job, hours fluctuating, not earning what I thought I would every month (though its hopefully sorted now) and I've relied on my savings more than I would like. I now have only 500 savings left and I'm living paycheck to paycheck with nothing left to put into savings

    The good news is I will finish paying off my car at the end of August and then I will be 220 better off a month. I want to build my savings back up to 1000 and then work on creating a bigger emergency fund in case things go pear shaped at work again. I'm setting myself some little steps to help me get there. For the last few days of May, these steps are:
    1. Eat from the freezer/cupboards. Only buy fresh food such as milk and fruit and use up what I already have.
    2. Establish a budget to start in June.
    3. Declutter and list unwanted items on Ebay.

    Advice is always welcome and I look forward to reading through your saving diaries too

    Take care,
    Hayley
Page 1
    • savingwannabe
    • By savingwannabe 26th May 19, 11:53 AM
    • 13,973 Posts
    • 47,479 Thanks
    savingwannabe
    • #2
    • 26th May 19, 11:53 AM
    • #2
    • 26th May 19, 11:53 AM
    Hello thrifty Hayley all of your ideas sound great to me. Well done in joining again and welcome to the nuthouse. You might not have much now but every bit you save will soon mount up.

    Your post has come at just the right time and stopped me wasting money on fleabay. I am going to rest and then garden. I earned a fair bit from decluttering on ebay so good luck with it.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • thrifty-hayley
    • By thrifty-hayley 26th May 19, 3:35 PM
    • 91 Posts
    • 279 Thanks
    thrifty-hayley
    • #3
    • 26th May 19, 3:35 PM
    • #3
    • 26th May 19, 3:35 PM
    Thanks savingwannabe, I remember you from my last post Hope you're well? Glad I could be of assistance lol, enjoy your gardening!
    • Skint yet Again
    • By Skint yet Again 26th May 19, 7:20 PM
    • 3,582 Posts
    • 19,238 Thanks
    Skint yet Again
    • #4
    • 26th May 19, 7:20 PM
    • #4
    • 26th May 19, 7:20 PM
    Hi thrifty-Hayley


    I look forward to following your diary. I am in a similar position, all savings used up due to a family crisis travelling up to Yorkshire and back to South of England where I live now and a few broken appliances and car bills adding to the spending. I am hoping things are on an even keel now and plan to start an emergency fund from payday the end of May.


    I'm eating out of stores until payday and decluttering too ! Perhaps we can cheer one another on
    Balance 0% credit card to pay 1360 898
    Emergency fund 0/500
    • thrifty-hayley
    • By thrifty-hayley 26th May 19, 9:43 PM
    • 91 Posts
    • 279 Thanks
    thrifty-hayley
    • #5
    • 26th May 19, 9:43 PM
    • #5
    • 26th May 19, 9:43 PM
    Hi thrifty-Hayley


    I look forward to following your diary. I am in a similar position, all savings used up due to a family crisis travelling up to Yorkshire and back to South of England where I live now and a few broken appliances and car bills adding to the spending. I am hoping things are on an even keel now and plan to start an emergency fund from payday the end of May.


    I'm eating out of stores until payday and decluttering too ! Perhaps we can cheer one another on
    Originally posted by Skint yet Again
    Hi Skint yet Again. I'm up for that Always good to have someone with similar goals! I'm going on a bank holiday picnic tomorrow with my boyfriend so raided Asda's reduced bread section. Got a french stick for 10p and a big loaf of bread for 10p, result! Already got ham and cheese so feeling quite proud of my "thrifty picnic". Lets skim over the fact that I also bought packs of snacky picnic food that totaled about 5. Have only been going out with the boyfriend for a few weeks so don't want him to think I'm a total cheapskate just yet
    • savingwannabe
    • By savingwannabe 27th May 19, 6:51 AM
    • 13,973 Posts
    • 47,479 Thanks
    savingwannabe
    • #6
    • 27th May 19, 6:51 AM
    • #6
    • 27th May 19, 6:51 AM
    Hurrah for picnic. Thrifty I love this site as it helps us to stay motivated and you all stop me wasting money I don't have.

    Enjoy your time with boyfriend I think the weather will be good today.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • thrifty-hayley
    • By thrifty-hayley 31st May 19, 5:52 PM
    • 91 Posts
    • 279 Thanks
    thrifty-hayley
    • #7
    • 31st May 19, 5:52 PM
    • #7
    • 31st May 19, 5:52 PM
    I checked my LISA today and there's more money in there than I thought, yay for interest! I'm up to 10,206 which is great but I'm not able to access it until I buy a house. So for now I'm focusing on building savings that I can access. I want to start by building my savings account up to 1000. I'm not exactly a high earner so I want to cut back and save anywhere I can.

    I've joined June's Grocery Challenge and set myself a target of 100 to include toiletries/cleaning stuff etc, I live alone so with a bit of planning should be able to achieve it. Looking for a couple more challenges to try, if anyone has suggestions please let me know
    June Grocery challenge 53.28/100
    Emergency fund: 502/1000
    • Skint yet Again
    • By Skint yet Again 31st May 19, 6:21 PM
    • 3,582 Posts
    • 19,238 Thanks
    Skint yet Again
    • #8
    • 31st May 19, 6:21 PM
    • #8
    • 31st May 19, 6:21 PM
    Well done on savings so far ! I am aiming for 100 grocery budget a month too including cleaning / toiletries etc. I shop at Aldii and shopping for next weeks food, including clothes washing liquid, has come in at 25.01 so was really pleased with that
    Balance 0% credit card to pay 1360 898
    Emergency fund 0/500
    • thrifty-hayley
    • By thrifty-hayley 1st Jun 19, 2:02 PM
    • 91 Posts
    • 279 Thanks
    thrifty-hayley
    • #9
    • 1st Jun 19, 2:02 PM
    • #9
    • 1st Jun 19, 2:02 PM
    Well done on savings so far ! I am aiming for 100 grocery budget a month too including cleaning / toiletries etc. I shop at Aldii and shopping for next weeks food, including clothes washing liquid, has come in at 25.01 so was really pleased with that
    Originally posted by Skint yet Again
    Sounds like we are in a similar position That's really good, well done. I'm doing a big shop at asda this week to top up the fridge and freezer then hopefully just topping up with milk/eggs/fruit/veg for the rest of the month.
    June Grocery challenge 53.28/100
    Emergency fund: 502/1000
    • thrifty-hayley
    • By thrifty-hayley 7th Jun 19, 8:50 AM
    • 91 Posts
    • 279 Thanks
    thrifty-hayley
    Quick update, I've 44.33 out of the 100 I've set myself for groceries this month. That was on a big shop to restock the fridge and freezer, hoping to just buy fresh milk, fruit/veg, bread etc for the rest of the month and come in on/under target.

    Its a friends birthday tonight and we are going to a strictly come dancing themed murder mystery show at a hotel. Luckily I paid for my ticket and a room in a cheaper nearby hotel months ago so don't need to worry about that. I already had an outfit to wear so I only need to pay for a few drinks and my taxi fare. Looking forward to it!
    June Grocery challenge 53.28/100
    Emergency fund: 502/1000
    • savingwannabe
    • By savingwannabe 7th Jun 19, 6:36 PM
    • 13,973 Posts
    • 47,479 Thanks
    savingwannabe
    Well done on good food shop. A murder mystery sounds great. I hope it goes well and you discover who dunnit! lol.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • Skint yet Again
    • By Skint yet Again 8th Jun 19, 5:28 AM
    • 3,582 Posts
    • 19,238 Thanks
    Skint yet Again
    Well done on the grocery shopping. Did you work out a meal plan for the month? I am still doing a weekly shop but thinking it may work out better monthly.


    I agree with SW, the birthday do sounds great !
    Balance 0% credit card to pay 1360 898
    Emergency fund 0/500
    • thrifty-hayley
    • By thrifty-hayley 8th Jun 19, 10:20 AM
    • 91 Posts
    • 279 Thanks
    thrifty-hayley
    Thanks SW and SYA

    Strictly come dancing murder mystery thing was fun and my team came 2nd We were really close to winning but the other team just beat us on points. I got a wig plonked on my head and pulled out of the audience to play the part of claudia winkleman, except in this version I was called Claudia W*nkerman I don't like being the center of attention but after a couple of drinks it wasn't as bad as I thought it was going to be, it was quite funny. My friend thought it was hilarious and has conveniently filmed the whole thing

    SYA I really struggle with meal planning because my job can be unpredictable. I bought things that I know I will eat and can make meals from and I've got a written down inventory of everything in my fridge/freezer/cupboards. I use that to plan what I'm making and cross stuff off as I use it up. Makes planning meals/shopping much easier!
    June Grocery challenge 53.28/100
    Emergency fund: 502/1000
    • savingwannabe
    • By savingwannabe 8th Jun 19, 1:01 PM
    • 13,973 Posts
    • 47,479 Thanks
    savingwannabe
    The strictly night sounds like it was really entertaining.

    I am bad at meal prepping etc too. I get inspired by you all to be more MSE. I think we can't be perfect all the time but it is good to try to as much as we can.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
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