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  • FIRST POST
    • chanie
    • By chanie 22nd Dec 16, 6:56 AM
    • 2,287Posts
    • 12,464Thanks
    chanie
    2017 - Spend less, live more
    • #1
    • 22nd Dec 16, 6:56 AM
    2017 - Spend less, live more 22nd Dec 16 at 6:56 AM
    This is a new spending diary for 2017 for me.


    I have an overdraft of a couple of thousand, which I want to reduce in 2017. Now that both children are at school, we have a bit more money to play with.


    Life is just so expensive and it feels like we are constantly spending, what with family birthdays, home repairs and spending on the children.


    Last year, I aimed to save £500 on purchases through 'clever' shopping - using discount codes, freebies, sales etc. I managed to save £620.46 - I have nearly £70 in cashback which I haven't included in this figure. This year, I aim to save £800.


    I've started my 2017 diary early, as I was paid early this month.
    Here is what I have saved so far:
    Body shop - saved £20 40% off my normal skincare, plus a free body butter (which will be gifted at some point)
    Cinema - saved £9.58 on two cinema tickets to watch the new Star Wars film.
    Last edited by chanie; 22-12-2016 at 7:02 AM.
    2019 savings on purchases £3136.63
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
Page 1
    • Bobarella
    • By Bobarella 22nd Dec 16, 2:01 PM
    • 10,439 Posts
    • 69,775 Thanks
    Bobarella
    • #2
    • 22nd Dec 16, 2:01 PM
    • #2
    • 22nd Dec 16, 2:01 PM
    Hi Chanie

    That's a great figure. Well done! Really hope 2017 will be even better for you.

    Bob
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • SnowL
    • By SnowL 22nd Dec 16, 9:28 PM
    • 39 Posts
    • 80 Thanks
    SnowL
    • #3
    • 22nd Dec 16, 9:28 PM
    • #3
    • 22nd Dec 16, 9:28 PM
    Really love the title of your diary, strikes a chord with me and I shall take a leaf out of your book and try the same best of luck chanie X
    • chanie
    • By chanie 23rd Dec 16, 7:36 PM
    • 2,287 Posts
    • 12,464 Thanks
    chanie
    • #4
    • 23rd Dec 16, 7:36 PM
    • #4
    • 23rd Dec 16, 7:36 PM
    how to spend less and live more

    Well, I'm going to start with spending less. I'll adopt the Kondo principle of only buying what brings me joy. I'll buy quality over quantity and will think before I spend.

    Before I spend, I will do whatever I reasonably can to maximise my money. This could include voucher codes, loyalty points, cashback etc.

    I will also live more. I want to enjoy life and not feel deprived, so I want to find cost effective ways to have fun with my family.
    2019 savings on purchases £3136.63
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • Purplemumof2
    • By Purplemumof2 24th Dec 16, 6:15 AM
    • 7,148 Posts
    • 27,519 Thanks
    Purplemumof2
    • #5
    • 24th Dec 16, 6:15 AM
    • #5
    • 24th Dec 16, 6:15 AM
    Good luck, will be following your journey x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £4700.00 Lloyds: £9000.00 BC: £405.51 Cap One: GONE
    May LTW 14/21 ~ May NSD 3/5
    PAYDBX 2019 #041 PD £3117.41/£5604.30
    Savings for Christmas £250.40/£500 ~ EF £55/£500
    20p Savers 2019 £2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Kitten868
    • By Kitten868 24th Dec 16, 9:03 AM
    • 1,200 Posts
    • 3,074 Thanks
    Kitten868
    • #6
    • 24th Dec 16, 9:03 AM
    • #6
    • 24th Dec 16, 9:03 AM
    Found you! How are the home renovations going? All done? X
    Loan 1 £4900/£8000
    Loan 2 £2900/£5800
    Total £7800/£13800 43% PAID

    And CC £1250/1900
    • chanie
    • By chanie 24th Dec 16, 7:02 PM
    • 2,287 Posts
    • 12,464 Thanks
    chanie
    • #7
    • 24th Dec 16, 7:02 PM
    • #7
    • 24th Dec 16, 7:02 PM
    kitten home renovations are going okay. I hope yours are too.

    For those who don't know, me and OH have been doing tarting up our home. Now that our youngest child is at school, we have a bit more free time and money and have done some painting and bought new furniture.

    Merry Xmas everyone.
    2019 savings on purchases £3136.63
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 27th Dec 16, 4:53 PM
    • 2,287 Posts
    • 12,464 Thanks
    chanie
    • #8
    • 27th Dec 16, 4:53 PM
    • #8
    • 27th Dec 16, 4:53 PM
    Merry Xmas everyone.

    We had a nice one, just the four of us. Despite preparing a dinner, the children didn't eat much. Oh well. I didn't go all out in food.

    I got money for Xmas. I've been eyeing up a little clutch bag, which has been reduced, but other than that, I'll put the money away until I see something I really want.

    I've avoided the sales, other than a quick trip to town so Mr C could buy a couple of bits - he knew what he wanted, so we literally went to 1 shop!!!

    I also exchanged a couple of unwanted gifts for items that were more suitable. I'm grateful for everything I get, but some items weren't my taste. Some shops can be funny about exchanging items without receipts, so I'm pleased I didn't have any problems.

    My thoughts now turn to Xmas 2017. I like to buy in advance, but a couple of the items don't work, which is frustrating and I can't find the receipts. I think I'll focus on buying stocking fillers or items that can't be broken!!!!
    Last edited by chanie; 27-12-2016 at 6:42 PM.
    2019 savings on purchases £3136.63
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • pennywisepoundstupid
    • By pennywisepoundstupid 27th Dec 16, 5:46 PM
    • 5,096 Posts
    • 18,617 Thanks
    pennywisepoundstupid
    • #9
    • 27th Dec 16, 5:46 PM
    • #9
    • 27th Dec 16, 5:46 PM
    Found you and subscribed, pleased you had a lovely Christmas.

    XX
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    • chanie
    • By chanie 27th Dec 16, 9:05 PM
    • 2,287 Posts
    • 12,464 Thanks
    chanie
    my sales tips

    I know sales are to get rid of old stock, but I find they are a great opportunity to pick up some bargains and you can shop clever.

    children's clothes I buy the next size up for my children. I buy school uniform and underwear when Sainsbury has its 25% off events and put away until needed. Sales are great for essentials like jeans, t-shirts and leggings.

    keep your Xmas shopping receipts I always keep the receipts of anything I buy in Nov/Dec in case the item gets reduced. Then, I'll return the original item and rebuy at the lower price.

    go prepared I will try on items I'm eyeing up before the sales, so I can be sure I'll want it, plus it means I can buy online. I go to the boxing day sales really early, so I can be in and out before it gets really busy. I wear comfortable and warm clothing and a cross body bag so I can have both hands free.

    forget the rrp focus on the price it is now. Shops use loopholes to artificially inflate prices, so focus on the new price.
    2019 savings on purchases £3136.63
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 28th Dec 16, 7:00 PM
    • 2,287 Posts
    • 12,464 Thanks
    chanie
    Back at work today. There were only a couple of us in the office, so I thought the day was quite productive.

    On the way home, I popped into Te5co and bought some Xmas socks. They are normally £2 each or 3 for 2, but they reduce them to £1 after Xmas, so I got 3 pairs for £2. They are my 'go to' Xmas gifts, so I always like to have a couple on standby.
    2019 savings on purchases £3136.63
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 29th Dec 16, 7:52 AM
    • 2,287 Posts
    • 12,464 Thanks
    chanie
    Adult colouring in


    This is my new thing!!! I'd bought a couple of books as Xmas gifts and I bought a spare, as they were from the £££shop. I decided to have a go yesterday evening. I told OH that I wanted to get some nice colouring in pencils and he suggested I use a set DS had which I'd forgotten about and they were great.


    I've now hidden my book and the pencils from the children before they destroy my 'art' work!!!!
    2019 savings on purchases £3136.63
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 1st Jan 17, 3:16 PM
    • 2,287 Posts
    • 12,464 Thanks
    chanie
    a few savings this week

    Discounted cinema tickets - saving £9.58 on two tickets.

    Reduced Xmas cards 43p (rrp was £4.50), but will record as £1.50, as my max price is £2).

    Some bits from Holland and Barratt. The food is really expensive, so I disregard any savings normally, but as a one off, I saved £2.57.

    Total saving a £13.65.
    2019 savings on purchases £3136.63
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • Bobarella
    • By Bobarella 1st Jan 17, 3:19 PM
    • 10,439 Posts
    • 69,775 Thanks
    Bobarella
    Nice savings Chanie.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • chanie
    • By chanie 4th Jan 17, 6:12 PM
    • 2,287 Posts
    • 12,464 Thanks
    chanie
    I had quite a nice day, even if I did have to spend some money. I took the children to Ikea, so they could play in the creche (free) and I had a cuppa (free). Whilst in Ikea, I bought two photo frames (planned) £2 and lunch for the children (£6). Ideally, it should have been a NSD, but the children love the IKEA meatballs!!!
    2019 savings on purchases £3136.63
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • pennywisepoundstupid
    • By pennywisepoundstupid 4th Jan 17, 6:14 PM
    • 5,096 Posts
    • 18,617 Thanks
    pennywisepoundstupid
    Sounds like a nice low cost day out. xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    • chanie
    • By chanie 6th Jan 17, 2:18 PM
    • 2,287 Posts
    • 12,464 Thanks
    chanie
    Lots of spending, but managed to make some savings:

    Mums birthday present-by spending an extra £5,I got a freebie. The difference is £3.

    Cinema ticket for a birthday, saving £4.05.

    Toy for a birthday, saving £5.

    Groceries on offer, saving £1.50.

    TOTAL £13.55
    2019 savings on purchases £3136.63
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • Bobarella
    • By Bobarella 6th Jan 17, 3:09 PM
    • 10,439 Posts
    • 69,775 Thanks
    Bobarella
    Well done. It's amazing once you stop and think of it it how many money saving tips there are. Always good to share. There's a good one on OS called something like How to save pennies, lots of thrift tips there.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • chanie
    • By chanie 6th Jan 17, 10:20 PM
    • 2,287 Posts
    • 12,464 Thanks
    chanie
    There's a good one on OS called something like How to save pennies, lots of thrift tips there.
    Originally posted by Bobarella
    Thanks, I did visit that thread, but haven't been on for ages. My 'sneaky' trick was when OH refused to try own brand cereal and I bought some and put it in the branded box and Mr C didn't realise. When I told him the truth, he admitted he was impressed by my deviousnesss!!!

    He's unimpressed with my latest effort though. Our kitchen sink was blocked and although I managed to plunge it clear, I bought some stuff to pour down the plug hole, whilst I was in Aldi. I've just seen the same stuff on offer in Costco, which is 20p more expensive, but two bottles instead of 1. Mr C was slightly bemused I'm going to all that effort of getting a refund and then driving to Costco. I didn't tell him that I had to fish the receipt out from the bin.
    2019 savings on purchases £3136.63
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 8th Jan 17, 11:35 AM
    • 2,287 Posts
    • 12,464 Thanks
    chanie
    For the past few days, I've been thinking the children are becoming easier to manage, now that they are both in school and becoming more independent. Until, I noticed......

    DD has written her name on a wall in lip balm and it won't come off. Luckily, it's not one of the newly decorated rooms, but still.

    DS put a big food stain on the new net curtains. I can't bare the thought of having to take them down so soon, but managed to spot clean them.

    DD drew on the underside of the new curtains in pen. Luckily, that can't be seen.

    both children blocked the bathroom sink with loo roll. I only realised at 11pm, when I was getting ready for bed. Luckily, we managed to clear it.
    Last edited by chanie; 11-01-2017 at 7:35 PM.
    2019 savings on purchases £3136.63
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
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