April Penny Pincher Challenge

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  • Jo_Blogs
    Jo_Blogs Posts: 753 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    Good afternoon everyone :);)

    This afternoon I managed to:

    Swapped some magazines (1 point)
    Free £10 Mn$ gift card top-up from a bank switch incentive (1 point)
    Made a shopping list and stuck to it (1 point) - Even got some YS items :j
    Bought some 'own brand' items (1 point)
    Used a discount coupon + tripple points (1 point)
    Topped up my Nect0r point card on shopping (1 point)
    Used cash to pay for shopping (1 point)
    Reused my shopping bags (1 point)
    Updated my expenses list (1 point)
    Re-checked and re-jiggled my budget because of the recent Council Tax increase (1 point)

    Hope everyone is having a great day! :);):p
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44:starmod: for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 ;)Sept NSDs 4/15:staradminCCCChl 9/12 months:D
    Sept PPChl#002 Pts 71
  • Jo_Blogs
    Jo_Blogs Posts: 753 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    Good morning everyone :)

    Hope everyone is ok :);)

    This morning I have........

    Checked my bank account(s) (1 point)
    Checked my savings account(s) (1 point)
    Make a payment to one of my saving accounts (1 point)

    Today will be a NSD (1 point)

    Hope everyone has a great day! :D
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44:starmod: for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 ;)Sept NSDs 4/15:staradminCCCChl 9/12 months:D
    Sept PPChl#002 Pts 71
  • funfairprincess
    funfairprincess Posts: 1,968 Forumite
    First Anniversary Photogenic First Post
    Hi all x

    Was shattered when I got in last night so I just went to bed!

    So points wise....
    Took lunch to work X2 2pts
    Updated spending log x2 2pts
    Took water x2 2pts
    Checked bank account 1pt
    Meal planned 1pt
    Went with shopping list and kept to it 1pt
    Checked the whoopsies 1pt

    So that's 10 pts

    Well done everyone :T
    I'm not a muggle...I'm just magically challenged
  • Jo_Blogs
    Jo_Blogs Posts: 753 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    Good morning everyone :)

    Checked my bank account(s) (1 point)
    Checked my savings account(s) (1 point)
    Today will be a NSD (1 point)

    Keep up the great work everyone :T

    Hope everyone has a great day :);)
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44:starmod: for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 ;)Sept NSDs 4/15:staradminCCCChl 9/12 months:D
    Sept PPChl#002 Pts 71
  • dreamtruce
    dreamtruce Posts: 101 Forumite
    Hey guys sorry for not posting recently been a bit of a mad time of me packing and also Friday I had a girls night out as a friend was leaving work so went to celebrate with her and some work girls.

    Not doing so well with my list though
    But I'm happy and did have fun so I don't mind too much.

    The second viewing of the house was amazing it was all done up and honestly couldn't of chose better colours for it! Looks so nice and a little luxurious! I'm pretty sure it has the same carpet as the one my parents put In their conservatory. Pleased to say my bed will fit and has options to move it around so we're not stuck to having it in one place... Even if we just keep it for a few months or weeks whilst we sort the house out.

    I bet on some horses for the grand national but I didn't win anything. Boo!
    It's a tradition in my family, I used to do it with my grandparents and my sister when I was younger so I really wanted to carry it on and carry those memories with me (my grandad is very ill with dementia/alzhimers and an unknown illness that is pretty much cancer - doctors aren't investigating it due to his age and wishes of him)
    My boyfriend may have won a bit of cash though, bless him.
    None of the horses were badly injured which is really good because I flinched every time a horse fell!

    What have you done this Saturday?
    Anything interesting / cool/new?

    Sorry I didn't post the coffee chat this morning, we went shopping and had a huge kip - both a bit under the weather and we wanted to have a chilled weekend before all hell breaks loose in the next few weeks with moving.

    I hope everyone is well and you're all doing so great!
    Home Deposit: £100.61|BULSFund: £50.00|EmergencyFund: £89.76 | Retirement: 5.21| Xmas 17:£10.00 |July NSD:1 / 15
  • Jo_Blogs
    Jo_Blogs Posts: 753 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    Good morning everyone :)

    Glad everything was ok with the house dreamtruce :);) You'll soon be moved and everything will hopefully settle down a bit :)

    Here are my completed tasks so far today.......

    Checked my bank account(s) (1 point)
    Checked my savings account(s) (1 point)
    Make a payment to one of my saving accounts (1 point)
    Today will be a NSD (1 point)

    Hope everyone has a peaceful and blessed day :);)
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44:starmod: for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 ;)Sept NSDs 4/15:staradminCCCChl 9/12 months:D
    Sept PPChl#002 Pts 71
  • dreamtruce
    dreamtruce Posts: 101 Forumite
    Afternoon everyone!
    Does anyone have any goals for this week?

    Thank you, Jo! This month seems to be flying by and I'm not even ready to move In!

    This morning I checked my bank (+1pt),
    Im also creating a list of things to include in a home binder so every important thing is organised for the house and in one place.

    When I move in I do want to be really better at saving money and be more accountable. I've included this challenge as part of my home binder too! I think I'd do better at tracking points with a physical sheet too so I can easily look every day at it.
    Home Deposit: £100.61|BULSFund: £50.00|EmergencyFund: £89.76 | Retirement: 5.21| Xmas 17:£10.00 |July NSD:1 / 15
  • Jo_Blogs
    Jo_Blogs Posts: 753 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    dreamtruce wrote: »
    Im also creating a list of things to include in a home binder so every important thing is organised for the house and in one place.

    I have a home binder too! Be warned, however, that you will need a rather large binder to keep everything in, as it soon adds up to a load of important paper :);)

    I've done some more things on my list, but I'll add those into tomorrow mornings points and post them all at the same time :D

    Hope everyone is having a chilled and relaxed day, and enjoying the sunshine :);)
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44:starmod: for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 ;)Sept NSDs 4/15:staradminCCCChl 9/12 months:D
    Sept PPChl#002 Pts 71
  • dreamtruce
    dreamtruce Posts: 101 Forumite
    I did spend today again, I brought some sleeping tablets as I haven't been sleeping too well, even when I'm sleeping next to Adam (my boyfriend) last night was awful for both of us sleeping. Hes a bit poorly and I think I'm a bit stressed with work and moving (moving is good stress but not dealing well as this month is busy for me anyway)

    I also brought iron+vitamin cream tablets and re-energise dissolvable tablets as in this kinda heat I get very lifeless and so so tired that I'm pretty much lethargic also I get ill a lot so trying to boost myself up! it was on offer 3 for 2.

    Got the boots mag for free and used my club cards in Tesco and boots too (1pt)

    Was lovely to spend some time outside today but now I'm too hot!

    What kind of pages or information do you have in your binder?
    Home Deposit: £100.61|BULSFund: £50.00|EmergencyFund: £89.76 | Retirement: 5.21| Xmas 17:£10.00 |July NSD:1 / 15
  • Jo_Blogs
    Jo_Blogs Posts: 753 Forumite
    Debt-free and Proud! Mortgage-free Glee!
    dreamtruce wrote: »
    ...........
    What kind of pages or information do you have in your binder?

    Important documents relating to the house, Insurances, all house hold bills, receipts and warrenties for major purchases, receipts for repairs / maintenance, plus a repair fund / upkeep expenses log - lots of paperwork :eek:

    I also have a seperate bank accounts / investments / pension / tax binder and
    A seperate personal expenditure binder - clothes, shoes, food shopping etc

    I find it easier to seperate like that so I can cross reference much easier, if I want to :);)
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44:starmod: for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 ;)Sept NSDs 4/15:staradminCCCChl 9/12 months:D
    Sept PPChl#002 Pts 71
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