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  • FIRST POST
    • chanie
    • By chanie 22nd Dec 16, 7:56 AM
    • 2,069Posts
    • 10,837Thanks
    chanie
    2017 - Spend less, live more
    • #1
    • 22nd Dec 16, 7:56 AM
    2017 - Spend less, live more 22nd Dec 16 at 7:56 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 8:02 AM.
    2018 challenge to save £1000
    Spend less - £1182.88
    Live more - £2022.25
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
Page 14
    • pennywisepoundstupid
    • By pennywisepoundstupid 8th Jun 18, 7:08 AM
    • 4,861 Posts
    • 16,755 Thanks
    pennywisepoundstupid
    Some great savings, well done.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings was £10,000 now £5000/borrowed £5000 for new kitchen which I MUST pay back. £5000/£0
    • sugarbaby125
    • By sugarbaby125 8th Jun 18, 7:30 AM
    • 1,366 Posts
    • 8,847 Thanks
    sugarbaby125
    Great savings and forward planning Chanie
    • chanie
    • By chanie 24th Jun 18, 7:19 PM
    • 2,069 Posts
    • 10,837 Thanks
    chanie
    Update

    Next week is my last week at work. Eeek. I am excited about my new job, but also nervous.

    I have bought myself a new work wardrobe for my new job. I thought I was going to go over my budget, but I managed to get some last minute bargains including £10 saved on some shoes from eBay. I ordered an item, which didnít arrive and so eBay refunded the item and sent me a £10 voucher.

    We will be saving most of my redundancy money, but will be using some of it to pay off overdrafts (and removing them), some work around the house and also some family treats. We bought the children new bikes and me and OH will be going shopping for our treats soon.

    The weather has been lovely this weekend, I hope you all are enjoying the sun.
    2018 challenge to save £1000
    Spend less - £1182.88
    Live more - £2022.25
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 26th Jun 18, 7:30 PM
    • 2,069 Posts
    • 10,837 Thanks
    chanie
    Savings

    £8 saved on a top and some wellies for DS. I bought the top yesterday, but it was reduced today, so I repurchased it and returned with yesterdays full price receipt. The top was cheap enough anyway, but it was nice to make a £4 saving.

    £15 saved on a t shirt and culottes from Uniqlo. I was eyeing up the culottes a few weeks ago and snapped them up in the sale. The t shirt is out of season, but I know it will get let!!!8217;s of use in the winter.

    £13 saves on some toms alpargatas in the sale. They are sooo comfy and I wore my last pair until they fell apart.
    2018 challenge to save £1000
    Spend less - £1182.88
    Live more - £2022.25
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • sugarbaby125
    • By sugarbaby125 28th Jun 18, 5:51 AM
    • 1,366 Posts
    • 8,847 Thanks
    sugarbaby125
    Some great savings Chanie
    • chanie
    • By chanie 2nd Jul 18, 7:38 PM
    • 2,069 Posts
    • 10,837 Thanks
    chanie
    I am off work this week, before I start my new job. Today was a busy day with lots of errands, which I am trying to complete before I start my new job. I had some school PTA business, then I dropped our duvet at the launderette to be washed,a trip to the Tip, pick up the duvet, bought new bedding for the children and popped into IKEA.

    Tomorrow I plan on popping in to town and doing som more declutteting at home.

    Hope everyone is having a nice week.
    2018 challenge to save £1000
    Spend less - £1182.88
    Live more - £2022.25
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 12th Jul 18, 8:46 PM
    • 2,069 Posts
    • 10,837 Thanks
    chanie
    £130 saved on jewellery. I wanted to buy something to remind me of my last organisation and stuff I chose was in the sale, plus I got an extra 10% off.

    Today, I popped into Aldi to buy school uniform for the children. It was quite busy but I managed to get most of what I need. The trousers are £2.25, so I buy three pairs and the last just long enough for the school year. Last week, I bought The school shirts from matalan. I wasnt expecting them to be in yet, but there was a sign outside so I thought I would grab it whilst I could.
    Both children have recently had new shoes and jumpers, they are pretty much sorted for uniform.
    2018 challenge to save £1000
    Spend less - £1182.88
    Live more - £2022.25
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • sugarbaby125
    • By sugarbaby125 14th Jul 18, 8:29 AM
    • 1,366 Posts
    • 8,847 Thanks
    sugarbaby125
    Chanie, I hope you get lots of wear from your new jewellery and enjoy wearing it.

    I am glad that buying uniform is over for me.
    • chanie
    • By chanie 14th Jul 18, 7:52 PM
    • 2,069 Posts
    • 10,837 Thanks
    chanie
    Chanie, I hope you get lots of wear from your new jewellery and enjoy wearing it.

    I am glad that buying uniform is over for me.
    Originally posted by sugarbaby125
    I know what you mean.
    2018 challenge to save £1000
    Spend less - £1182.88
    Live more - £2022.25
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 22nd Jul 18, 8:47 AM
    • 2,069 Posts
    • 10,837 Thanks
    chanie
    Holiday 2018 - the Canaries

    We are on holiday so I thought I would pop by to update. We always go self catering, which we prefer, as it means we can see to ourselves. We normally eat breakfast and lunch in our apartment and have dinner out. before we came,we stocked on on snacks like crisps and cereal, so that saved us some money.

    The biggest lesson I learned, is to change our currency before we arrive. We normally do, but wasnt organised enough this year, so although we got a fairly decent rate, we paid a lot in commission.

    We are off to the beach today, which I am looking forward to.
    2018 challenge to save £1000
    Spend less - £1182.88
    Live more - £2022.25
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • pennywisepoundstupid
    • By pennywisepoundstupid 22nd Jul 18, 9:47 AM
    • 4,861 Posts
    • 16,755 Thanks
    pennywisepoundstupid
    Happy holiday,hope you have a fantastic time. x
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings was £10,000 now £5000/borrowed £5000 for new kitchen which I MUST pay back. £5000/£0
    • chanie
    • By chanie 27th Jul 18, 10:18 PM
    • 2,069 Posts
    • 10,837 Thanks
    chanie
    Back from our holiday. We spent just over our allocated budget, but we didnt do well on the currency, so it was our own fault. Shopping was rubbish, so that saved me spending too much!

    A few recent spends
    £5 on a lipstick in duty free.

    £10 on a promotional voucher in the airport, which we used towards a birthday present for MIL.

    £25 saved on clothing in the Next sale.

    £10 saved on cinema tickets to watch a film that DS really wanted to see. He also has two other films he wants to see......
    2018 challenge to save £1000
    Spend less - £1182.88
    Live more - £2022.25
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 5th Aug 18, 7:41 PM
    • 2,069 Posts
    • 10,837 Thanks
    chanie
    £20 saved in a toy for DDs birthday. The toy was on offer in Argos, but the only store that had it in stock was 15 miles away. Whilst I was there, I picked up some stocking fillers for the children from The Works and Wilko.

    I also went on a bike ride today. I havent been on a bike in years, so I took mine for a quick ride around a local park and really enjoyed it. My bike needs a service - my mum had a accident on it and the breaks need fixing, so I really want to take it to get looked at, so I can start riding it more.
    Last edited by chanie; 05-08-2018 at 7:46 PM.
    2018 challenge to save £1000
    Spend less - £1182.88
    Live more - £2022.25
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 9th Aug 18, 9:15 PM
    • 2,069 Posts
    • 10,837 Thanks
    chanie
    £30 saved on theatre tickets to see Wicked! I came across an offer, so I got a couple of tickets for me and OH.

    £30 saved on tickets to see Disney on Ice. DD is at that age where she still loves Disney Princesses, so we think she will enjoy it.

    On a more positive note, I have managed to clear my overdraft. I had some accrued annual leave which my last job paid out in lieu and I received quite a bit of money this month. I am going to remove my overdraft with the bank. I never asked for it, they just gave it to me and kept increasing it. It will be nice to finally clear it.
    2018 challenge to save £1000
    Spend less - £1182.88
    Live more - £2022.25
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • sugarbaby125
    • By sugarbaby125 10th Aug 18, 9:38 AM
    • 1,366 Posts
    • 8,847 Thanks
    sugarbaby125
    Chanie you should get your bike repaired as soon as possible so that you can take more bike rides which I am sure can only be of benefit to you

    Some great savings. Enjoy Wicked with your OH and Disney on Ice with your children

    Not having an overdraft gives you so much freedom and releases you from the stress of debt, now your money can work for you instead of your bank
    • chanie
    • By chanie 10th Aug 18, 9:30 PM
    • 2,069 Posts
    • 10,837 Thanks
    chanie
    £53 saved on some tickets for Southend Adventure island. Its DDs birthday soon, so we will go as a birthday treat. The tickets were practically half price, so it!!!8217;s a very good deal.
    2018 challenge to save £1000
    Spend less - £1182.88
    Live more - £2022.25
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
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