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  • FIRST POST
    • JennyJukes
    • By JennyJukes 20th Jul 19, 3:10 PM
    • 214Posts
    • 742Thanks
    JennyJukes
    Saving for..?
    • #1
    • 20th Jul 19, 3:10 PM
    Saving for..? 20th Jul 19 at 3:10 PM
    I'm not quite sure yet! But I would like to stop wasting money and be more accountable with it!

    A little bit of background context:

    I'm 26 and live alone with no family around me. I left an abusive relationship 2 years ago and became homeless. I spent most of my then 8000 savings, some necessary some not. I went on several holidays and outings, bought a nice computer, furnished a property I got and bought myself a whole new wardrobe. Sometimes I feel guilty at the amount of money I spent but a lot of it was a coping mechanism. I am now in a much more stable and happy situation and would like to start being more accountable with my money.

    I recently moved, having been placed in the roughest council estate of my town and the anti-social behaviour was really bad. I am nearing the end of my biggest debt so I put it towards renting a nicer property. Not MSE but so much better for my mental health!

    I am also in a new relationship. My partner is here on a study visa for the next 1-2 years. After that, who knows? Maybe he'll get a job here, maybe we'll move somewhere else, maybe we won't be together. As such, I have no idea where my life is going to take me in the next few years so I don't want to commit to anything but I also want to be prepared because life has taught me it doesn't always work out the way I plan!

    Until then, my goals are to:

    1) Stick to budgets and save the rest.
    2) Get a better paying and more stable job.
    3) Only buy what I can afford - no more financing/debt. Save for what I want.
    4) Have fun with my money! I don't want to lambaste myself for having an occasional treat.
    5) Learn to cook more and bake.. at all

    I'm going to pop up a SOA in a bit and would love if anyone could point out where I could be saving or maximising my savings. I also sometimes see people my age (and younger) being married, owning homes, having families etc and feel a little bit bad about it so if anyone could tell me that I'm doing fine too that would be a massive help

    Thanks for reading (or at least allowing me the bandwidth to post my dull life )
Page 2
    • JennyJukes
    • By JennyJukes 30th Jul 19, 10:57 AM
    • 214 Posts
    • 742 Thanks
    JennyJukes
    Well the 350 turned out to be 390.37 but still, not 500+.
    Savings are now:

    Help2Buy ISA: 6584.96
    Emergency Fund: 1753.12
    Total: 8338.08

    I might have to transfer more savings into my current account to cover unexpected extras on my bills and rent arrears/energy company debts coming up. Around 200 I think. Is it payday yet?

    Just won 2x 100 Super Dry gift cards through Klarna Uk Instagram!!
    • thrifty-hayley
    • By thrifty-hayley 30th Jul 19, 5:45 PM
    • 111 Posts
    • 400 Thanks
    thrifty-hayley
    Hi Jenny, just wanted to say I think you are doing amazing Such a shame about your car but its great that you had an emergency fund ready for things like this.

    With Virgin I imagine you can cancel within so many days seeing as they changed your contract without informing you, they aren't allowed to do that. Definitely worth taking further.
    August Grocery challenge 60/50
    Emergency fund: 502/1000
    • JennyJukes
    • By JennyJukes 31st Jul 19, 12:18 PM
    • 214 Posts
    • 742 Thanks
    JennyJukes
    Thank you thrifty-hayley Wow! I'm in awe that you can do 90 a month groceries! Took me some time to cut down to 100 but hey now I have no excuse to cut it further.

    I forget that I am saving 200 every month at least and can get a little down when I see people having nice cars and houses and kids..

    Well I spoke with someone on the Virgin forums, he said he has changed my contract back to what it originally was thought it hasn't updated on my account yet.. but soon as it does I'll be looking for a new deal and giving them notice! So that's another win for me. Before I started being more accountable for my money I would have just accepted it and let it come out my account.

    Blonde moment today.. The office needed milk and I had a bunch of coppers in my purse that needed to go out. My petrol was down to 3 bars too, not sure how as I've barely used my car since I topped up 11 days ago but nonetheless, I'm going to be driving quite a bit the next few days and need the petrol to tide me over. Usually I wait until it's down to 2 bars then I top up 20. Generally it's 20 on payday, 20 two weeks later then a 15 buffer if I need more after that. I'll need the 15 extra for when my boyfriend comes in September as I'll need to pick him up and drop him off at the weekends. ANYWAY I got to the store and was 9p short in coppers for milk so I decided to use the coppers to buy rolls instead then planned to get milk at the petrol station when paying for the petrol.. Got back to work and realised I didn't have the milk! I couldn't go back to the office after having agreed to get the milk and the shop next door charges you on card payments under 5 and I didn't want to take 10 out the bank machine as having cash makes me actually spend more and I can't keep track. Luckily it was a nice day and I was able to walk down to a store that I could use card and not be charged for it - just felt a little embarassed using my car for such a small purchase, heh.

    We keep saying we'll have a kitty in the office where we all put in 1 or so each a week to buy us all milk and any coffee or tea we need but we all kinda begrudge that as some people are office based and drink more coffee/tea, some of us only have one a day, some only drink tea and some don't have any at all, so it's a bit difficult to make it fair. We all sort of have our own tea/coffee and milk and sugar is generally bought by whoever notices it's running low!

    So that's an extra 20 on petrol, 1 for milk (not counting the money for the rolls as it came from cash I found lying around when packing up for my move..) in my grocery budget. Still need to get milk for myself and I noticed a deal on one of my cashback apps which is two packets of crisps worth 3.25 for 1 and I'm a big crisp lover so I'm tempted to get that too. Only problem is this app needs to build up to 20 cashback before I can take it without a fee and it's only at around 5 right now... then again that extra 2.25 will bump it up and get me closer... right?!

    Also, my managers last day is today. Though we all went out on Friday for a meal and drinks they've all used today as an excuse to go for another meal! I was tempted and could have used from the grocery + entertainment budget left over but checked the menu and I'm not paying 10 for a lunchtime meal. Yes if I hadn't already done it this month but that's far too much. So I'm saving there too.

    Budget so far looks like this:

    Entertainment: 57.80/60
    Shopping: 19.46/25
    Petrol: 40.83/55
    • JennyJukes
    • By JennyJukes 31st Jul 19, 4:07 PM
    • 214 Posts
    • 742 Thanks
    JennyJukes
    Well, I did it.
    Spent 4.04 on milk and those 2 packets of crisps and then yes I ate all of one packet. I'm trying to eat filling foods but since getting the implant in January I've been constantly hungry. I'm underweight and always have been and all those genetic websites say it's in my genes. So is diabetes though so doesn't mean I'm off the hook!

    So 2.25 added to my CheckOutSmart app so now a total of 7.40 pending. I haven't been using these apps lately as it's only branded items that are already quite expensive. Occasionally there are freebies or I can buy a treat that's a bit cheaper but I'm not using it weekly now that I've realised non-branded items work just as well. So will probably just take the 5% fee and get the rest out.

    I also have 2.69 in prolific, 4.10 pending.

    Updated:
    Entertainment: 57.80/60
    Shopping: 23.50/25
    Petrol: 40.83/55

    I should have enough food for this whole week. This weekend I really need to clean the house, apply for more jobs and look for a new internet deal.
    • JennyJukes
    • By JennyJukes 2nd Aug 19, 10:31 AM
    • 214 Posts
    • 742 Thanks
    JennyJukes
    6.55 from prolific now in savings.
    1.02 interest from my vantage account into savings.
    I also have "Save the Change" where all transactions I make in my current account (minus DDs and SOs) get rounded up to the nearest and put into my savings.
    Since payday (20th) I have saved 4.59 with the save the change.
    So since payday savings are:
    In: 15.54
    Out: 390.37 for my clutch
    Overall: -374.83

    Help2Buy ISA: 6584.95
    Emergency Fund: 1762.82

    Still have some prolific pending and to come out though not really getting any anymore. Will also be cancelling Virgin Media (if they let me!) tomorrow and getting a new deal and hopefully some cashback. 1.50 grocery budget left and will probably need to get milk as making mac&cheese on Sunday. Still have 200 to go into my Help to Buy in the next week. Nothing much else to report, going to be a weekend of cancelling and cleaning.
    • savingwannabe
    • By savingwannabe 2nd Aug 19, 8:42 PM
    • 14,214 Posts
    • 47,674 Thanks
    savingwannabe
    Well done on saving something, and also for thinking about the Virgin contract.

    I hope the weather is nice by you. It is nice not to rush around and just to take our time and chill and clean.
    Christmas Fund 248 No spend month?
    • JennyJukes
    • By JennyJukes 3rd Aug 19, 3:44 PM
    • 214 Posts
    • 742 Thanks
    JennyJukes
    Thank you savingswannabe. It's really quite warm here today!

    I contacted V. Media but they said they would only accept a cancellation EXACTLY 30 days before. I couldn't give more notice which is annoying and he kept telling me I already have a good deal and he couldn't give me a lower price - I wasn't asking for one! It's such a hassle just to cancel.

    Speaking of "haggling" - I have a keyboard up for sale at a bargain 10 and someone keeps messaging me trying to get it for 5. When I was selling my white goods, I had my oven up for 90 and it was great condition less than a year old but I kept get very pushy messages asking for it for less! I won't be letting anyone near my home (especially after my car incident) for less than 50 tbh I'll be delivering all my current goods up for sale. I live alone and I'm quite vulnerable and very petite and don't like the thought of someone coming into my home and trying to haggle me and making me uncomfortable. A friend of mine had her fridge freezer up for sale and arranged it with someone, when he got there he haggled her down and she felt she couldn't say no. Then he asked her to help put it into his tiny car! Fortunately for her she has a partner living with her. When I sold my white goods I was lucky to get a family who were moving into a new home and bought all the white goods I had up which was less stressful for all involved and they were a really lovely couple. When I bought my microwave I was invited in by the lovely couple selling it and they showed me how to use it and even carried it to my car for me and we had a nice chat. But for me personally I don't want strangers in my home. I wonder how other people feel about it.

    Put another 7.50 to be cashed out from prolific. Started a 2 survey yesterday and only just timed out which was a bit annoying but got a 2.90 one today. I have in the past scoffed at people doing these coupons and survey things because I didn't think 10, 20, 50 was a lot in the grand scheme of things but these little surveys will pay for me to get a cinema ticket or pay towards my food or unexpected higher bills so it's worth it.

    Today, other than cleaning, I fixed the headboard of my bed but not without snapping a little bit of wood first Honestly, when I wasn't struggling with money I probably would have used that as an excuse to go get a new one or pay someone to fix it but now I do all my DIY myself! Growing up I didn't have a father but my mum would get her brother in laws to fix everything so I never really learned anything and just assumed women couldn't do it but most of it is actually quite easy! Have I missed my calling in life?? I love the satisfaction of figuring something out and fixing it by myself!
    • MovingForwards
    • By MovingForwards 3rd Aug 19, 4:25 PM
    • 2,360 Posts
    • 2,779 Thanks
    MovingForwards
    JennyJukes

    One of my favourite budget cookbooks is the vegetarian student cookbook, costs a few quid on eBay and about 10 brand new, meals cheap to make and pare done in about 30 mins and you can add meat

    Sorry about your car, someone broke into mine years ago, bent the whole door to reach in an pop the lock, nothing was taken but whoever did it opened all the doors.

    I have several accounts on the go - a dedicated current account for my debt payments, a dedicated current account for emergencies and my main current account where my wages go in and regular bills come out. I also have several savings accounts paying up to 1.50% pa interest, it's not loads but does help. I move my pennies (99p and under) from my main account into my debt account and between all my savings accounts. Maybe something to think about?

    If you don't already do it look for yellow label food in the supermarket, fill your freezer cheaper!

    If you use regular supermarkets, make sure you have a loyalty card, my fave is Morrisons as they pay 5 points per , even on petrol! I'm saving mine for Xmas/December.

    If you buy things on eBay, get a Nectar card and link it to eBay, extra points for you.

    Survey points soon build up and it passes the time a bit

    Good luck, you are doing really well!
    • JennyJukes
    • By JennyJukes 3rd Aug 19, 4:42 PM
    • 214 Posts
    • 742 Thanks
    JennyJukes
    Thanks very much for the advice MovingForward

    Can see the book super cheap on amazon plus free delivery! I need quite a few things from Amazon so will add it to my last - will come in handy for both me and my student boyfriend!

    Yeah the car frame has been damaged too and the rubber seal keeps falling down. I have a window though so I'm happy. Might need to be replaced when the winter comes to stop frost getting in. I don't think they were able to reach the lock and that's why it was just stuff in the passenger side that was stolen. Oh well, happy to have my car back so I can actually work. I use my car to get to and transport vulnerable people but that's not something people think about when they break in and get what they want!

    Yeah I'm focusing on building up my savings to 3000 for a 3-and-a-bit months emergency fund then another account for everything else/spending. Currently I don't really have big goals in mind for the next few years so I'm not as organized about my saving. I have "Save the Change" with Bank of Scotland and that automatically saves penies for me but will have a think about that too.

    Unfortunately all our YS foods are crappy, it's all expensive food reduced but still expensive.

    Didn't realise a nectar card could be used on Ebay! Will keep that in mind as I do have one. Infact could probably get the book and other things from ebay and use my nectar card if it allows me.

    Thanks for all advice really appreciate it.

    Just need to clean out a cupboard and hoover and mop but that can wait until tomorrow. Just chilling now doing surveys and competitions. Been busy the past few weekends moving, leaving parties, hen do's. I never used to have a social life until my new job and whilst it can start to get expensive I'm grateful because I used to be really socially isolated and it's doing wonders for my confidence
    • MovingForwards
    • By MovingForwards 3rd Aug 19, 5:21 PM
    • 2,360 Posts
    • 2,779 Thanks
    MovingForwards
    For a temp fix to your car run fishtank sealant round the inside of the rubber closest to your frame not the window side, next time it drops, wind your window up after and let it set for a few hours, did it to my ex's sunroof one time and it worked fine

    If its the top /side of the frame that's bent you will need a few strong people to bend it slowly back into place, it won't be perfect, but will be less obvious. Make sure your window is down when you do it to avoid it breaking. I had mine for a few years after it was done

    Link your nectar card to eBay and you can spend your points on there, look out for the bonus points offers too.

    Once your laptop is sorted, you can download the nectar toolbar (like Google etc) and get 100 points, I think it's 2 points per search you earn but forget how many times a month you can do it. You then just have to wait for the following month to start earning again on your searches.

    Nectar have now teamed up with Esso, but I know their petrol is quite pricey, again it's 1 point per 1 spent.
    • savingwannabe
    • By savingwannabe 4th Aug 19, 7:32 AM
    • 14,214 Posts
    • 47,674 Thanks
    savingwannabe
    I am glad you are feeling less isolated. It sounds like you are well on track with your savings.

    Good luck with car. I think Movingforward's advice sounds marvellous. It's wonderful that you can DIY I haven't got a clue and wish I did.

    It's horrid when people want to haggle down what is already a bargain. Be strong only give in when you need to.

    Have a good day.
    Christmas Fund 248 No spend month?
    • JennyJukes
    • By JennyJukes 4th Aug 19, 9:39 AM
    • 214 Posts
    • 742 Thanks
    JennyJukes
    Thanks MovingForward that's all so really helpful. I haven't yet put the window down as I'm worried it'll break but will try it out when it really needs done.

    Savingswannabe I do end up breaking most things I try to DIY but then I always find a way to fix it. Helps me in learning how to be creative. It's a learning curve really. I can't follow instructions so I sort of just try figure things out for myself.

    Cannot wait until my boyfriend is here. 1 month 1 week to go. It's great being independent and self sufficient but having someone there to support you really makes the world of a difference. It'll be our one year together on Friday, obviously we aren't physical together so can't do anything and we won't be buying gifts (he never receives anything I've tried to sent), maybe we'll just watch a movie that night or something. We're on the same wavelength where when we're together we'll just go on a date rather than buy each other gifts. They don't celebrate Christmas in his culture but he likes the idea of it so I'll probably make more effort then. I did get to visit him on my birthday last year and we went out to eat then he took me to the arcade!! Cheap sort of date but really fun for us both! I have never celebrated my birthday as it is so near Christmas so I got used to everyone being skint or going to Christmas parties and my ex used to just buy me a gift, though one time he forgot to even get me a card... I much prefer this going out and spending time together rather than gifts. My boyfriend really makes me feel appreciated and special.

    Anyway, I'm babbling..

    Budget:
    Entertainment: 57.80/60
    Shopping: 23.50/25
    Petrol: 40.83/55

    1.50 leftover grocery shopping into savings.

    Monthly Saving:
    In: 17.04
    Out: 390.37
    =-373.33

    Overall Savings:
    Help2Buy: 6584.95
    Emergency Fund: 1764.32
    = 8349.27

    Today's goals...
    1) get my !!! into the shower
    2) hoover and mop the floors.
    3) surveying and comping throughout the day
    4) dread monday morning

    Hope everyone has a great day!
    • savingwannabe
    • By savingwannabe 4th Aug 19, 12:18 PM
    • 14,214 Posts
    • 47,674 Thanks
    savingwannabe
    Hi Jenny I hope Monday goes well for you. Why are you dreading it? It is work? Im the same I just think about how much I am earning or in my case how little. lol.

    Im the same as you doing housework. lol.
    Christmas Fund 248 No spend month?
    • JennyJukes
    • By JennyJukes 4th Aug 19, 1:49 PM
    • 214 Posts
    • 742 Thanks
    JennyJukes
    Yeah, back to work. Nothing in particular on Monday and will actually be relatively stress-fee as we have a team meeting in the morning and I was able to sort out something major on Friday so don't need to stress over it tomorrow. Just same as you - my low income job isn't very stable so I'm always a little worried and waiting for the lay off though funding is in place until at least March. I hear my colleagues talking about the jobs they've applied for and I'm sitting here with applications and drawing a blank of what to write. I'll probably wait until the deadline and stress apply.

    Can't say I've actually done any housework lol and still haven't dragged my butt into the shower :P
    • JennyJukes
    • By JennyJukes 5th Aug 19, 4:01 PM
    • 214 Posts
    • 742 Thanks
    JennyJukes
    Well I needed some new hooks for my curtains so popped onto Ebay. Got the recipe book whilst I was at it and at the end realised I had a 5 voucher! So that paid for the lot! Happy days.

    Council tax letter received for new property, payment isn't due until next month however because I'm missing a payment it puts my future monthly payment up. Sorted it to pay over 12 months so it actually stays the same as it is in my SOA so budget should be fine going forward..

    Grocery shopping was 11.35, I do need to get little bits and bobs later in the week and might get in some toilet rolls and mouthwash whilst my budget is low. Going well.. for now.

    Due a prolific payout on Tuesday, can't remember how much and a CheckoutSmart payment of around 7 soon. Do have money pending in prolific but haven't really been getting much surveys lately.

    Thinking of getting myself an ottoman for the living room as I have a big space full of nothing and it would be handy for my sofa throws - some girls like shoes, some like handbags but I love duvet sets and sofa throws!! Saw one for 18.99 on Ebay so going to go for that when there is a suitable delivery day. Was tempted by all the lovely gorgeous figurines and ornaments on there too but decided I will just get those sort of things from charity shops.

    Now to attempt some spicy salmon fishcakes for tea tonight..

    Budget:
    Groceries: 11.35/25
    Petrol: 40.88/55
    Entertainment: 57.80/60

    Savings remain the same at 8349.27.

    After my HelpToBuy ISA 200 goes into the account on the 8th, I am going to change it to 150 and add the remaining 50 DD to my savings instead until I reach 3000 emergency fund. Then the Help2Buy will go back up to 200. Will encourage me to get that emergency fund up asap!
    • MovingForwards
    • By MovingForwards 5th Aug 19, 6:26 PM
    • 2,360 Posts
    • 2,779 Thanks
    MovingForwards
    Things are going well, glad you got your bits for free - bonus!

    Did you link your nectar card to eBay? You don't want to be missing out on some free pennies!

    Have you looked on gumtree to see if anyone is selling / giving away an ottoman? Also local FB groups are good to look at; only mentioned it as I happened to see one go up today.

    You are doing so well with your budgeting, think it helps when you are seeing it written down.
    • savingwannabe
    • By savingwannabe 5th Aug 19, 9:40 PM
    • 14,214 Posts
    • 47,674 Thanks
    savingwannabe
    I agree with Moving Forwards you are doing v well. All the surveys etc soon add up.

    The ottoman sounds great. If you can get a bargain one that will be brilliant. I see them on local ebay and facebay occasionally too. Good luck it is so nice choosing furniture.
    Christmas Fund 248 No spend month?
    • JennyJukes
    • By JennyJukes 6th Aug 19, 3:51 PM
    • 214 Posts
    • 742 Thanks
    JennyJukes
    Thanks for the advice ladies - I ended up deciding against the Ottoman, for now anyway. I have a old TV unit that I haven't been able to sell and instead of giving it away I've put it into that corner to use up the space until I find something else. In hindsight I don't *need* the Ottoman, all I wanted was to fill up the space and it is now. I could probably get some sort of sheet or throw to put over the unit to make it look less like a TV unit and add little bits to it.

    I did get my whole 3 nectar points from ebay for the hooks and recipe book don't worry

    Received 7.50 from prolific today so straight into savings which takes me up to 1771.82 in my emergency fund and 8356.77 overall savings. 2 weeks till payday!

    Finally got 2 studies at once! after nothing but they both said 0 places remaining! I clicked the higher reward one and got to take it anyway? It's in my submissions so hopefully it's actually gone through and I'll be rewarded and maybe the 0 places remaining was a glitch, as they literally had just popped up and said 0 places.. hm.

    Also applied for 3 jobs after nudges from my other colleagues who are also looking. They helped push my brain and I powered though and sent off 3 different applications. Not feeling particularly lucky but at least I have something to start with for future applications.

    Now to do that hoovering I was supposed to do at the weekend.

    So been pretty productive and a NSD

    Hope everyone has a great day!!
    • JennyJukes
    • By JennyJukes 8th Aug 19, 4:30 PM
    • 214 Posts
    • 742 Thanks
    JennyJukes
    Recipe book arrived - looks really simple and cheap! Also has some recipes for sweet treats so deffo me and my boyfriend will be trying those out at the weekends!!

    He commented today that I'm looking skinnier and I'm already skinny as it is so that's not good - I haven't been eating very well at lunch time (usually a roll, a "salad" except nothing substantial, a bit of cheese or small bits of fruit) and really need to sort that. Most people bring leftover meals but I don't know - not sure I want them to see my cooking! And I like keeping them for my team time meals so I don't need to cook too much. Need to re-think my current lunchtime routine because I do get home and am really hungry.

    Shop today for little snack bits and household items I needed, 7.71 . I would have spent twice that on the same products but branded somewhere else. I now live near Aldi so have been going there - when I'm there I wonder if there's anyone who's on MSE... especially when I see the reduced groceries in their baskets! Speaking of which, got 6 rolls reduced to 24p woo!
    Money to Help2Buy went through 200 bringing total to 6,784.95
    Changed the Help2Buy to 150 and the other 50 to go into a savings account to get my emergency fund up to 3000 asap! Will go back up to 200 once reached.

    Budget:
    Groceries: 19.06/25
    Petrol: 40.88/55
    Entertainment: 57.80/60

    Savings:
    Emergency Fund: 1772.47
    HelpToBuy: 6784.95
    = 8557.42

    Whilst typing this I got a nosebleed! Really strange for me so not sure what caused that!? Not a bad one but it's only happened to me once or twice and came out the blue.

    Oh well, time to attempt some chicken jalfrezi.
    • MovingForwards
    • By MovingForwards 8th Aug 19, 5:34 PM
    • 2,360 Posts
    • 2,779 Thanks
    MovingForwards
    I'm glad your book has arrived, I do highly recommend the cherry cookies and the banana / walnut cake what I sometimes do is have a play with the ingredients and make mixed fruit / nut cookies, I've also made a pear and mixed nut cake.

    Use the book as a guide and make the recipies your own.

    Chicken jalfrezie sounds nice!

    Well done with your budgets, you will reach your goal and it will be fun doing it.
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