January | Penny Pincher Challenge

RhiBi · 30 December 2017 at 12:06PM

These so far for me:

Leave your card at home - 1pt it’s my daughter’s birthday on 2nd, so I’m going to pick up cards and a balloon and will be paying with cash in my purse.
Check bank accounts frequently 1pt checked and PAD completed to Next
Cancel unused subscriptions 1pt cancelled a Birchbox subscription that was £10 a month 😮👍

try_harder · 30 December 2017 at 1:06PM

Please can i join in
1 Check bank accounts daily
2 Check survey sites
3 Take bags for life
4 Grocery Challenge
5 Write a shopping list
6 Meal plan
7 Aim for at least 1 NSD a week
8 Keep spending diary
9 Not buying clothes
10 Use up freezer contents
11 Dont throw out food
12 Add one item per day to Ebax
13 Walk 5000 plus steps per day
14 Save £10 a week for Christmas
15 Post on diary every day

iammumtoone · 30 December 2017 at 4:44PM

Great idea about spreadsheet I am going to get that done today. I will have 7 columns as I work in weeks.

I am proud of myself today I saw a great offer on the grabbit board its something I like but don't need previously I would have brought some but I resisted and will put the money I was going to spend into savings instead. Also ds wants a pizza takeaway I told him he could have one but have been to the supermarket to buy myself a pizza for me to put in the oven (I got a posher one than I would normally but still cheaper than a takeaway one).

keggsy · 30 December 2017 at 10:46PM

Evening All,

I hope you all have had a great day. I swear I must have checked to see what day it is about 10 times today, I always lose what day it is during the few days after Xmas and New Year.

I went shopping today and remembered my bags so yay...1 pt

I opened up a separate bank account today for Xmas savings....1 pt

Only 2 points today but I’m happy with that.

X

adventureofmemories · 30 December 2017 at 11:02PM

I used cash today - 1pt
for my grandad's birthday present which was only £10

I went ice skating and went for a meal ... my nan paid for all of us... and a hot choc. there was a good 10+ of us.

Im home now chilling with my fiancee and his parents.

I was almost in a car crash with my nan but we are all fine just shaken up .

iammumtoone · 30 December 2017 at 11:41PM

keggsy wrote: »

I hope you all have had a great day. I swear I must have checked to see what day it is about 10 times today, I always lose what day it is during the few days after Xmas and New Year.

My son goes to see his dad for a couple of hours every Wednesday. Last Wednesday I forgot what day it was so didn't send him! My ex texted me one hour after my son should have been home to ask why he didn't come. Its clear my ex forget the day as well otherwise he would have rang 10 minutes after the time he should have arrived, of course ex was never going to admit that so it was all my fault :mad:

adventureofmemories wrote: »

I was almost in a car crash with my nan but we are all fine just shaken up .

Gosh hope you are all ok. Its horrible when that happens I've had a few near misses as I am sure everyone has.

Bookaholic · 30 December 2017 at 11:45PM

I’ve made a start...not counting up points today but I’ve started my money saving mission by deleting Etsy and amazon from my phone and various other thInns so they’re harder to get on to!
We ate out today because it was my niece’s birthday and we had pizzas after her party. Last take it of the year...and last one for at least a month!

adventureofmemories · 31 December 2017 at 10:31AM

A.O.M - 9 pts
Keggsy - 6 pts
RhiBI - 3 pts
MOFK - 18 pts

total points: 36

An outstanding number considering there was less then a week before Jan.
Well done everybody... who's ready for January's challenge?

RhiBi · 31 December 2017 at 5:39PM

1. Save all spare change 1pt
2. bring your own bottle to work
3. take your own lunch to work
4. meal plan
5. set a target for a specific amount of No Spend Days (3 per week)
6. Leave your card at home
7. Check bank accounts frequently 1pt
8. Cancel unused subscriptions
9. Avoid online shops such as Ebay
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 1pt
13. Give yourself a limit to spend
14. Create a budget
15. Use left overs / search for cheap meals 1pt
16. Use loyalty cards such as tesco and always put the pints on that card
17. Do a spend freeze on an item you spend a lot on1pt
18. Use voucher codes
19. Reuse shopping bags 1pt

helejenkins1 · 31 December 2017 at 6:23PM

I love the sound of this challenge. I'm afraid I am one of these people that sign up the begining of the year and maybe last till April. I am however completly determined this year as I have an incentive to get rid of my debt. I am getting very close to being able to give up work to run my own business full time. This requires me to have zero debt though.
My 15 things are:
1. Take a bag with me everytime I shop
2. Plan my meals on a Sunday evening
3. Switch my bank account to one thats offering an incentive.
4.Take my lunch to work
5. Spend no more than £10 a week on alcohol
6. Save £10 a month on Asda card and £20 a month on coop for christmas
7. Pay an extra £10 a week off my credit card
8. Buy whoopsie meat in work for the freezer
9. Put any spare change in a jar
10. Take a payment break from my contact lens direct debit
11. Check survey sites at least once a week
12. Sell unwanted clutter
13. Make sure I buy something on my GEM card before I lose it.
14.Use my own wax, stop buying Yankee
15. Try and do slimming world on my own to avoid the subscription.

If I can do all that I'm well on my way.

January | Penny Pincher Challenge

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