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  • FIRST POST
    • Kittikins
    • By Kittikins 6th Aug 17, 1:27 PM
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    Kittikins
    Dreams and wishes....
    • #1
    • 6th Aug 17, 1:27 PM
    Dreams and wishes.... 6th Aug 17 at 1:27 PM
    Hello! Hoping that if I start being even more sensible about saving by accounting for myself on here, I'll get to where I want to be faster....

    A bit about me: My lovely DD, Miss Kittikins, and I live with my parents in their house, where I grew up. We've been there for 4 years and I think we all need our own space most of the time....I'm divorced and retained as a teacher 4 years ago (where has the time gone!!) and love my career so much. I pay 'keep' to them of roughly 1/3 of my take-home pay, and try to save as I'm very aware that a mortgage/rent would be far more than I'm currently spending!

    I met a wonderful man, KW, last November, after 3 years on my own and a few interesting relationships before that. We have a long-term plan to get married and spend the rest of our lives together, but we're trying to be patient and do it when we feel financially ready. He earns much less than I do and is very frugal. I'm sometimes more of a waster....have just managed to remove a lovely 4.60 necklace out of my online basket on Debenhams, as I know I really don't need it!

    I've been used to being very frugal, Miss Kitty didn't know you could get a tin of beans without a dent and a yellow sticker on it til she was about 6, but have got out of the habit and can be rather emotionally driven to spend. Sometimes life gets me down and I'll 'treat' myself to something, be it food, books, clothes I rarely wear, a present for Miss Kitty.
Page 1
    • Kittikins
    • By Kittikins 6th Aug 17, 1:29 PM
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    Kittikins
    • #2
    • 6th Aug 17, 1:29 PM
    • #2
    • 6th Aug 17, 1:29 PM
    Recently, KW and I have started saving for our future - him in a terramundi and me in a Marmite jar We aim to save money such as:

    * roadkill - money we find down the back of our sofas, on the pavement etc. I recently found a nice shiny 1 coin

    * anytime we resist the urge to buy a choccy bar or something, we'll put the equivalent into our savings

    * I got a very small tax rebate this week and put the cash into the jar

    Oh, and we also save our coppers for when we go to the seaside and spend half an hour with Miss Kitty in an arcade on the 2p machines I've got 6p to put in his special pot for that! Talk about rolling in it!!

    I counted up my money yesterday and have over 50
    • Kittikins
    • By Kittikins 6th Aug 17, 1:32 PM
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    Kittikins
    • #3
    • 6th Aug 17, 1:32 PM
    • #3
    • 6th Aug 17, 1:32 PM
    I have 8 cash and 4 Mr T vouchers in my purse as of today and spent nearly 2k (or probably more if truth be told....) on an amazing fortnight in Swansea learning Latin with Miss Kitty (and KW joined us for the first few days down there, which was lovely for us all).

    I had to pay for course fees, an unexpected addition along with accommodation as we decided we were enjoying the course so much, we stayed for a second week, lots of food and souvenirs. In my defence, I did buy a couple of Christmas presents and birthday presents in the sales, and we had the most fantastic time away, which was very much needed.
    • Kittikins
    • By Kittikins 6th Aug 17, 1:37 PM
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    Kittikins
    • #4
    • 6th Aug 17, 1:37 PM
    • #4
    • 6th Aug 17, 1:37 PM
    Now that we're back, I've checked my bank accounts and have updated my finance spreadsheet.

    Miss Kitty and I would like to buy (rather than rent as ultimately it's cheaper and more secure) our own flat or house, but live in one of the most expensive parts of the country. I've recently been looking at shared ownership resales, but even then don't seem to earn enough to get the mortgage on even 50% of a place

    Having sold my house when we moved in with my parents, and recently paid Miss Kitty's school fees (private school) in advance til the end of Year 11, I have 48,900 in savings. They are really not in the best place, being scattered around a load of very low, a cash ISA or some-monthly interest bearing bank accounts, and now that I've paid off the school fees, I really should put the money into a 'proper' savings account and not let myself touch it at all, not even for extra weeks of summer holidays.....

    I'm organised enough to put money aside each month for car repairs/servicing and pay my credit card off in full each month, I only use it to get the MrT vouchers (but foolishly have twice now, in less than 6 months, forgotten to pay it off on time, so have probably scuppered my chances of getting a mortgage for a while )
    • Kittikins
    • By Kittikins 6th Aug 17, 1:41 PM
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    Kittikins
    • #5
    • 6th Aug 17, 1:41 PM
    • #5
    • 6th Aug 17, 1:41 PM
    Anyway, I'm going to record here every time I *save* money by not buying something or get cash into the jar. I aim to not spend from the car unless it's for moving into the dream home purposes.

    It's going to take me years probably to get to where I want to be, married to KW, with Miss Kitty happy and continuing to study, but KW and I have this swoonworthy goal in mind.

    I've told MissK that for the rest of the month, I'm rather skint and thankfully we have a few events coming up that are already paid for. I'll just make sure we always take a picnic and try to not let my head get turned by pretty, shiny things in shops in the meantime!!

    I really do have to get back into school mode as those lessons won't plan themselves and this month will race by if I'm not careful....
    • Kittikins
    • By Kittikins 6th Aug 17, 1:43 PM
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    Kittikins
    • #6
    • 6th Aug 17, 1:43 PM
    • #6
    • 6th Aug 17, 1:43 PM
    Today won't be a NSD as I'm about to go out and pick up some clothes I've ordered for MissK, only one item will be kept as I've just ordered lots of different sizes and styles for her to choose from as she hates shopping; and also have a mini Co$tco trip to do, on my way to KWs for a much-needed reunion cuddle or two, as we've not seen each other since he left the holiday a week and a half ago.....

    * don't buy any snacks, I still have biscuits and water in the car from our return from holiday yesterday
    * don't buy anything other than what's on my shopping list!
    • Skint yet Again
    • By Skint yet Again 6th Aug 17, 8:35 PM
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    Skint yet Again
    • #7
    • 6th Aug 17, 8:35 PM
    • #7
    • 6th Aug 17, 8:35 PM
    Hi KK well done on your savings so far ! I think the latin course sounds like a great life experience for miss kitty and sounds like it was worth every penny. If you can at least save money in other areas like Christmas presents it helps to pay for the things that are worth it.


    I've been trying to save where I can. Since DS left college he has worked and paid his way from day one but I still have very little spare money, not that I'm complaining as I can afford to pay for bills food etc, am just trying to have a social life too ! Not easy on 50 a month.


    Good luck with your savings and BTW your KW sounds lovely and you sound really happy !
    Balance 0% credit card to pay 1360 848
    Balance 0% Car Loan to pay 940 finishes 1/1/2020
    Emergency fund 100/500 Car Fund savings 300
    • Kittikins
    • By Kittikins 7th Aug 17, 10:52 AM
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    Kittikins
    • #8
    • 7th Aug 17, 10:52 AM
    • #8
    • 7th Aug 17, 10:52 AM
    Thank you Skinty Lovely to see you on here x 50 is very tight...do you use Groupon? KW and I tend to buy meals and the odd day out on it. I'm going to be going out for dinner in the week with a girly chum and am hoping to persuade her that we should go to Zizzzi's as they have 25% off food this week, and I love their vegan salad....so it would be a win-win if she likes it there as well!

    Back from a lovely evening with KW, it is harder to say goodbye each time, as I'm not able to spend as much time with him as we'd both like and now that I know that MissKitty thinks he's perfect for me......I've been reminded by my parents that they are not unpaid babysitters /childminders, but of course, living with them precludes me getting a babysitter in!!

    Ah well... we had a lovely evening after I'd been very sensible and had not spent a penny more than I needed to in Co$tco on the way; we cooked a Thai green veggie curry using YS veggies that we froze a few weeks ago and used up a jar of curry paste that had been languishing in the fridge for quite a while...

    We then looked at our holiday photos, chatted about life, love and the universe and before we knew it, it was very late!!

    This morning, I got up with him at 6.30, and headed off for a swim before coming home. I have a membership at an amazing pool not far from the school I teach at, and am trying to make the most of it, either alone or with DD, as I need the exercise (it's the only form of exercise I really like and am remotely good at), and I like thinking of how much I've saved to be in the amazing pool with very few people enjoying a leisurely swim, rather than crammed in like sardines at the only decent public pool in the area.

    When I filled up the car with petrol, I resisted the temptation to go and buy a chocolate bar - there's tons of fruit at home and I knew I would be able to have a really good brekkie rather than waste money. Going to put 1 in the pot for that, as I also resisted the urge to waste money yesterday, so it feels like a saving

    I've got to go and hopefully pick up a prescription after lunch, I say hopefully as I'm not sure if I ticked any boxes on the repeat prescription sheet, so I may not have anything to pick up, or may have all the items, when I only need one of them....

    I've booked my car in to our lovely mechanic for a service before the end of the school holidays. Realised that he's been looking after the family cars for 40 years, from my granny's car down to mine! He's ultra cheap and reliable and I always like getting a service before winter, especially as I do a lot of driving on single track country roads

    I've started knitting a "scarflette", courtesy of MFi3's blog pattern, hopefully I won't get bored with it, but as it's only 25 stitches across and just one piece, I hopefully won't! Depending on how it turns out, I think I'll give it to KW's mummy for Christmas, as she's very crafty and will hopefully appreciate it.

    http://mortgagefreeinthree.com/2013/11/keyhole-scarflette-another-stash-buster/

    I have a track record of starting something and getting bored within a couple of rows, so am feeling immensely pleased that I've knitted about 8cm already, lol. I've only ever finished 2 things in my life, and they were both baby sized....

    I had wanted to buy the very expensive boots the other day because they had a free offer of a lovely floral scarf which I had wanted for the same purpose, but fingers crossed, my cheapie boots from the bay of E will be perfect, I already had the wool in stock and so will "save" 65.01 by doing things this way!!

    If it turns out to be as nice and easy as it seems so far, I've got some other wool to make one for KW's sister

    I also discovered I had a brand new, still in its packaging, solar desk lamp from I!ea which I bought a few years ago when DD and I were nearly at exchange on a flat purchase. I'm going to regift it to KW as I know he'll love it, and he gets loads of sunshine in his sitting room through the gorgeous sash windows

    As he only earns minimum wage on all of his 3 part-time jobs, which don't make up a full time position, money is tighter than tight, and so he often has candles burning rather than spend money on electricity. Thankfully his heating is included in his rent, but he's still careful with it as he doesn't want to take the mickey.

    I'm so honoured that he was the one who started the savings idea and he's doing the same as me - putting money away every time he resists the craving to splurge unnecessarily, and saving his coppers for our seaside jaunts.

    Anyway, that's probably enough of my ramblings for this morning.
    Last edited by Kittikins; 07-08-2017 at 12:59 PM.
    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
    • savingwannabe
    • By savingwannabe 7th Aug 17, 12:51 PM
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    savingwannabe
    • #9
    • 7th Aug 17, 12:51 PM
    • #9
    • 7th Aug 17, 12:51 PM
    Hello you sound utterly lovely. You are going to fit in so well here with us, welcome Kittikins.

    I have been inspired and I am going to take all my fleabay watch things off the watch list as I am broke after reading your post.
    Christmas Fund 168
    Reminder: summer is about making money
    • Skint yet Again
    • By Skint yet Again 7th Aug 17, 1:55 PM
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    Skint yet Again
    Well done on resisting the chocolate KK
    I use groupon, also deals on this site and directly registered with zizzi, prezzo etc so they email me deals too, especially around my birthday Had a 2 for 1 mains recently at chimichanga. My local pub also does 2 for 8.99 with some good vegi options for my friend. Not sure about vegan though. I usually ask for tap water in restaurants so only pay for what I eat.


    I read somewhere on here about burning candles under terracotta pots - not sure if they work or are any better than just candles on their own - found this link on a quick search


    http://forums.moneysavingexpert.com/showthread.php?t=4818270


    I wish I could knit, I tried to learn but was useless at it Now my hands are too painful and can only manage basic sewing too.


    Saving the pennies soon adds up and putting money in a pot when you resist buying something is a really good idea.
    Balance 0% credit card to pay 1360 848
    Balance 0% Car Loan to pay 940 finishes 1/1/2020
    Emergency fund 100/500 Car Fund savings 300
    • savingwannabe
    • By savingwannabe 7th Aug 17, 2:56 PM
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    savingwannabe
    Salve, I loved latin. I only did it for O level but adored it. What course did you do?
    Christmas Fund 168
    Reminder: summer is about making money
    • Kittikins
    • By Kittikins 7th Aug 17, 3:31 PM
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    Kittikins
    It was an intensive beginners' course, 14 hours a week and we got from nothing (well I did 2 years of Latin at secondary school back in the '80s and then took Greek for O level) to passing a sample level 1 GCSE paper. It was amazing, both me and my 12 year old MissKitty loved it.

    I'm going to see if there's any way I can take the GCSE as an external candidate locally....I know of a couple of private schools that offer it, sadly not DD's, and one high school in Oxford. It might be too hard, as of course getting time off during term time as a teacher, especially for something that's not strictly related to my teaching, could be impossible!

    Just back from a fruitful trip to the library - took photos of some yummy recipes for KW and I to try out, borrowed 3 fab-sounding books and spent a king's ransom on a stamp for DD to send a letter to her European penpal. I hope they'll move to sending emails soon....but remember how exciting it is to receive a real letter through the post.

    Spends - 1.17 on the letter; of the change - 3p to go to coppers pot, and I think the 80p may go into the Marmite jar.
    8.60 on a prescription. Thank goodness I had ticked the right box on the form!!
    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
    • savingwannabe
    • By savingwannabe 7th Aug 17, 5:53 PM
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    savingwannabe
    This is such a coincidence I was looking at Latin textbooks the other day. We did Latin at the same time I did it from 1983-1987. We did Homer's Ilyad and also studied some great characters like Caecilius and Metella who lived in Pompeii.I think everyone did that syllabus in the 1980s and 90s

    It sounds like you have had a good day.
    Christmas Fund 168
    Reminder: summer is about making money
    • Kittikins
    • By Kittikins 7th Aug 17, 6:47 PM
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    Kittikins
    I'm probably a year older than you I did it for 2 years from what's now Year 8 - in 1983/1984! Spooky.....Back at school I did Ecce Romani (dull as ditchwater) and use lovely Minimus in my school Latin club, as who doesn't want to learn about a real family and a lovely cat and mouse!

    Saved yet more money by finishing off a bottle of rose wine that no one else but me drinks, and I'd opened it a few days ago *hic* Lol.....I don't drink much or often but love prosecco and rose....
    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
    • savingwannabe
    • By savingwannabe 7th Aug 17, 7:23 PM
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    savingwannabe
    1982-3 was my first year at secondary school. Salve, and enjoy the wine. Caecilius and family were always drinking it!!!!! I was always fascinated as the Romans used to eat rats as a delicacy
    Christmas Fund 168
    Reminder: summer is about making money
    • Kittikins
    • By Kittikins 7th Aug 17, 7:35 PM
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    Kittikins
    In that case we're of the same vintage

    Thank god I've been vegetarian/pescetarian since before learning any Latin, rats....*shudder* Give me a nice bowl of pasta and pesto and I'm happy, especially if there's tiramisu gelato for pudding!
    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
    • Kittikins
    • By Kittikins 8th Aug 17, 6:06 AM
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    Kittikins
    Hmm, somehow, when looking at my bank accounts, I misread one of the savings lines, and so I actually have 1k more than I thought for my house deposit. Yippppppeeeeeeeee!!

    I've started 'sweeping' pennies out of online current accounts and into savings accounts, i.e. rounding down balances to the , so 23.27 - I move the 27p into my savings. I will still have the same amount of money to my name, but more of it will be savings rather than frittering away money!

    As MissKitty and I live with my parents, after I've paid our keep, our mobile phone bills (maximum 33 a month for the pair of us) and put money into my car maintenance pot, the rest of my pitiful salary (compared to my pre-teaching life) is for petrol and day to day stuff. I try to save 500 a month but this month haven't due to our holiday.

    The knitting's not coming along very well, I think it's very 'tight', doesn't feel like a scarf should...I don't understand much about knitting, but maybe I need to change the needle size so that the wool isn't fighting itself for space.
    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
    • Kittikins
    • By Kittikins 8th Aug 17, 3:15 PM
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    Kittikins
    Spends - 2 of Clubbcard vouchers on much-needed chocolate for DD and not needed by wanted MiniChedds for me

    KW bought our theatre tickets using his pre-paid debit card, loaded up with money I transferred over, and they were 4 cheaper that way! Yay. He owes me 6 for some shopping as well, so I'll be 10 better off. As a one off, because I thought that the booking fee was going to be on top of the ticket price, not included within it, I'm going to put the 4 into the Marmite jar. Next time we buy tickets this way, I won't do it So glad he has one of these cards, I've never really seen the point of them, but he likes the feel of a credit card but without the risk of using one and getting into debt as it were.

    Found 5p on the floor as well Every little helps!

    Total for the Marmite jar today - 4.85
    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
    • savingwannabe
    • By savingwannabe 8th Aug 17, 4:22 PM
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    savingwannabe
    You seem to have done plenty today. Well done. I haven't done much at all. Ive slept for most of it as the weather was so grotty.

    Well done on the extra 1000 for house deposit. Knitting sounds like fun! What are you going to see at the theatre?
    Christmas Fund 168
    Reminder: summer is about making money
    • Kittikins
    • By Kittikins 8th Aug 17, 7:50 PM
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    Kittikins
    Was a bit mean and have asked DD to give me 50p (which of course has gone you know where....) as she mucked up on something online and I had to pay 50p to get the situation back to where it needed to be!
    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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