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  • FIRST POST
    • thrifty-hayley
    • By thrifty-hayley 26th May 19, 10:42 AM
    • 111Posts
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    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
    • 14,152 Posts
    • 47,619 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 208 No spend month?
    • thrifty-hayley
    • By thrifty-hayley 26th May 19, 3:35 PM
    • 111 Posts
    • 400 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
    • 3,669 Posts
    • 19,327 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 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • thrifty-hayley
    • By thrifty-hayley 26th May 19, 9:43 PM
    • 111 Posts
    • 400 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
    • 14,152 Posts
    • 47,619 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 208 No spend month?
    • thrifty-hayley
    • By thrifty-hayley 31st May 19, 5:52 PM
    • 111 Posts
    • 400 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
    August Grocery challenge 60/50
    Emergency fund: 502/1000
    • Skint yet Again
    • By Skint yet Again 31st May 19, 6:21 PM
    • 3,669 Posts
    • 19,327 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 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • thrifty-hayley
    • By thrifty-hayley 1st Jun 19, 2:02 PM
    • 111 Posts
    • 400 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.
    August Grocery challenge 60/50
    Emergency fund: 502/1000
    • thrifty-hayley
    • By thrifty-hayley 7th Jun 19, 8:50 AM
    • 111 Posts
    • 400 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!
    August Grocery challenge 60/50
    Emergency fund: 502/1000
    • savingwannabe
    • By savingwannabe 7th Jun 19, 6:36 PM
    • 14,152 Posts
    • 47,619 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 208 No spend month?
    • Skint yet Again
    • By Skint yet Again 8th Jun 19, 5:28 AM
    • 3,669 Posts
    • 19,327 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 1360 698
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • thrifty-hayley
    • By thrifty-hayley 8th Jun 19, 10:20 AM
    • 111 Posts
    • 400 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!
    August Grocery challenge 60/50
    Emergency fund: 502/1000
    • savingwannabe
    • By savingwannabe 8th Jun 19, 1:01 PM
    • 14,152 Posts
    • 47,619 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 208 No spend month?
    • thrifty-hayley
    • By thrifty-hayley 14th Jul 19, 8:39 AM
    • 111 Posts
    • 400 Thanks
    thrifty-hayley
    Its been a while since my last update but I haven't got very much to report.

    Last months grocery challenge went well. I spent 92/100 so I was pretty happy with that and adjusted my target to 90 this month. So far I have spent 32.72 of that. Unfortunately I'm struggling to make ends meet this month and really trying not to dip into my small emergency fund, so instead of aiming for 90 I'm now aiming for as low as possible.

    Its getting me down a bit that I'm working so hard but don't feel like I have much to show for it. I know all I can do is keep going and hope that in the end all my effort pays off.
    August Grocery challenge 60/50
    Emergency fund: 502/1000
    • savingwannabe
    • By savingwannabe 17th Jul 19, 6:31 PM
    • 14,152 Posts
    • 47,619 Thanks
    savingwannabe
    I relate to what you are saying. Everyone at work is rich and they have nice cars and holidays and must have savings whereas i have to struggle to just save. Thrifty you have to remember that you are way ahead of most people as you are saving. You have a budget and discipline. It may feel that you are progressing slowly (i feel the same sometimes) but we are way ahead of others.

    Remember the story of the tortoise and the hare- the tortoise won the race in the end. Hang in there. If you need motivation log on to Dave Ramsay on you tube he is fun and educating too.
    Christmas Fund 208 No spend month?
    • pinknsparkly
    • By pinknsparkly 18th Jul 19, 11:33 AM
    • 411 Posts
    • 901 Thanks
    pinknsparkly
    Congratulations on the grocery challenge!

    I think when it comes to feeling like you're struggling more than most people, it's good to remind yourself that actually the reason that a lot of people aren't (or don't appear to be!) struggling is because they are doing a lot of their spending on credit, and racking up debts. At some point those have to be paid back, with substantial interest too! Whilst your steps forward may feel like you're wading through treacle, they are still steps forward rather than backwards, which is what spending on credit without any plan for paying it back would feel like!! Plus, after the end of August you'll have no more car payments to make and you'll feel LOADED in comparison Big hugs, from an outsider's view I can assure you that you're doing great!
    MFW 2019 challenge #99: 7707 / 6,000 (4723.32 is in "offset" pot)
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 7707 / 30,000
    Save 12k in 2019 challenge #99: 19,077 / 12,000
    2019 keep moving challenge: 403 / 1000 miles
    Last updated: 04/09/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Jul 2052
    • thrifty-hayley
    • By thrifty-hayley 31st Jul 19, 10:30 AM
    • 111 Posts
    • 400 Thanks
    thrifty-hayley
    Thank you SW and pinknsparkly for the motivation. I've been binge watching Dave Ramsey on youtube and I'm feeling a lot more positive now. I'm not in debt, I have one payment left on my car and my outgoings aren't that high. Problem is neither is my income! I'm working on that though.

    While the children I look after are at school I've started walking dogs. I've got a pair of spaniels I walk twice a week, although I've stopped while the children are on their summer holidays. In September I'm hoping to build this up and get a couple more clients.

    My grocery budget came in at around 50 this month, I lost a receipt so don't have an exact figure, doh! I'm going to aim for the same in August.
    August Grocery challenge 60/50
    Emergency fund: 502/1000
    • savingwannabe
    • By savingwannabe 2nd Aug 19, 8:55 PM
    • 14,152 Posts
    • 47,619 Thanks
    savingwannabe
    Well done on realisng how ahead you are. It's great that you have started dog walking. V cheap grocery spend omg, what do you eat for that price??

    Hope the weather is good by you.
    Christmas Fund 208 No spend month?
    • thrifty-hayley
    • By thrifty-hayley 17th Aug 19, 9:44 AM
    • 111 Posts
    • 400 Thanks
    thrifty-hayley
    SW I haven't managed to stick to the 50 this month, there are a few things I ran out of that I've bought in bulk so I'm on 55 at the moment. Hoping to just buy milk for the rest of the month though as I've got plenty in the freezer and cupboards. I eat a lot of soups, stews, egg related things, pasta and don't eat much meat anymore. Its expensive! But I've never really been a big meat eater, I prefer fish.

    In other news my car is now fully paid off so that's one less thing to worry about. I have the mot and insurance to sort out next month but after that it should be smoother sailed hopefully and I can get back to focusing on Dave Ramsey's baby step 1, my emergency fund.
    August Grocery challenge 60/50
    Emergency fund: 502/1000
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