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  • FIRST POST
    • chanie
    • By chanie 22nd Dec 16, 7:56 AM
    • 2,028Posts
    • 10,561Thanks
    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 - £495.13
    Live more - £1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
Page 9
    • pennywisepoundstupid
    • By pennywisepoundstupid 27th Jan 18, 9:57 AM
    • 4,794 Posts
    • 16,323 Thanks
    pennywisepoundstupid
    Get well soon. xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £1000/£349.02 Kitchen savings stage 1 £1500/£160.24
    Amazon vouchers
    £9
    • chanie
    • By chanie 28th Jan 18, 2:51 PM
    • 2,028 Posts
    • 10,561 Thanks
    chanie
    I!!!8217;m feeling much better today. I!!!8217;m still not 100%, but am over the worst of it. I!!!8217;ve spent quite a bit of time snoozing as my cold has been leaving me feeling rather tired.

    Yesterday, We went to Costco to stock up on items that are running low. We like to go once a month and buy a couple of items at a time, otherwise it!!!8217;s really expensive. We didn!!!8217;t do this is nov or dec, so we literally needed everything and it came to £100. I know that doesn!!!8217;t sound like loads, but we only bought half a dozen items or so.
    We buy stuff like laundry detergent, softener, pasta, rice and loo roll in bulk and we get 3-6 months out of most stuff.
    2018 challenge to save £1000
    Spend less - £495.13
    Live more - £1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • sugarbaby125
    • By sugarbaby125 28th Jan 18, 4:44 PM
    • 1,304 Posts
    • 8,434 Thanks
    sugarbaby125
    Hi Chanie,

    I am glad that you are finally over the worse of your cold.

    I am sure you got great value on the items that you bought in Costco
    • chanie
    • By chanie 29th Jan 18, 6:03 PM
    • 2,028 Posts
    • 10,561 Thanks
    chanie
    I love Costco, the quality of the items they sell is normally really good and we save money because we buy bigger packs.
    2018 challenge to save £1000
    Spend less - £495.13
    Live more - £1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • MSE Andrea
    • By MSE Andrea 7th Feb 18, 12:18 PM
    • 9,052 Posts
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    MSE Andrea
    Bump bump bump
    Could you do with a Money Makeover?


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    • chanie
    • By chanie 7th Feb 18, 3:50 PM
    • 2,028 Posts
    • 10,561 Thanks
    chanie
    Oooo, looks like I'm back.
    2018 challenge to save £1000
    Spend less - £495.13
    Live more - £1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • sugarbaby125
    • By sugarbaby125 7th Feb 18, 5:23 PM
    • 1,304 Posts
    • 8,434 Thanks
    sugarbaby125
    Glad to see your diary has been re-instated Chanie
    • chanie
    • By chanie 7th Feb 18, 9:02 PM
    • 2,028 Posts
    • 10,561 Thanks
    chanie
    So far this week, we!!!8217;ve managed to last on just a £30 top up on Friday, as we didn!!!8217;t go shopping over the weekend. We need to rethink our shopping habits and this could result in some savings. Our children aren!!!8217;t keen on eating big dinners in the evening and the food we do cook often goes uneaten. Maybe we need to focus on quick easy foods like sandwiches or cereals instead of spaghetti bolognaise or chicken and rice.
    2018 challenge to save £1000
    Spend less - £495.13
    Live more - £1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 9th Feb 18, 8:59 PM
    • 2,028 Posts
    • 10,561 Thanks
    chanie
    Other than a few items OH purchased in Lidl, we managed to last the week without doing a grocery shop. Will have to spend a bit more this week as it!!!8217;s half term and the children will be off school (I!!!8217;m off 3 days with them).
    2018 challenge to save £1000
    Spend less - £495.13
    Live more - £1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 11th Feb 18, 9:54 PM
    • 2,028 Posts
    • 10,561 Thanks
    chanie
    The children are on half term now and I!!!8217;m only working a couple of days next week.

    Today was a nice day, so I took the children to an English heritage site to get them out of the house for a while. I have membership, so it didn!!!8217;t cost anything, other than a small gift from the gift shop.
    2018 challenge to save £1000
    Spend less - £495.13
    Live more - £1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • sugarbaby125
    • By sugarbaby125 12th Feb 18, 10:21 AM
    • 1,304 Posts
    • 8,434 Thanks
    sugarbaby125
    Hi Chanie,

    It feels good when you do not have to do a full grocery shop to get through the week. You did well last week.

    Have you got any particular plans with your children for half term?

    I will have to spend a lot more money as it is half term for my son from 6th Form and as a young man he eats quite a lot. (lucky for him he never gains weight no matter what he eats) I will have to do a small top up shop
    • chanie
    • By chanie 12th Feb 18, 11:53 AM
    • 2,028 Posts
    • 10,561 Thanks
    chanie
    I know the feeling with the food situation. Its shocking how much the shopping bill increases. Our shopping bill was just short of £100 this week to account for half term.
    I may attempt some baking tonight/tomorrow (a cake and some sausage rolls) to feed up the children and stop them snacking.


    I'm only off 3 days during half term and so the children will be going to relatives on the other days. In terms of plans, I have English Heritage membership through work so I can get into a lot of sites for free. We have some sites locally in South London like Charles Darwins House and Eltham Palace. As they are local we can spend a few hours there and still have plenty of time to relax at home.
    2018 challenge to save £1000
    Spend less - £495.13
    Live more - £1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • chanie
    • By chanie 12th Feb 18, 7:37 PM
    • 2,028 Posts
    • 10,561 Thanks
    chanie
    Me and OH have been thinking about Valentines Day. As it falls mid week, we wont be doing anything on the day itself, but will go out over the weekend. We prefer to avoid going out on Valentines Day itself as restaurants are over priced and over busy.

    I have a tastecard which gives either 241 or 50% off on meals. I havent used the Card before, but we agreed to find a restaurant using it, to save some money.
    Last edited by chanie; 13-02-2018 at 8:24 AM.
    2018 challenge to save £1000
    Spend less - £495.13
    Live more - £1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • sugarbaby125
    • By sugarbaby125 13th Feb 18, 11:51 AM
    • 1,304 Posts
    • 8,434 Thanks
    sugarbaby125
    Hi Chanie,

    You use your English Heritage membership to good effect. It must save you money and it encourages you to expose yourself and your children to more culture and history, which brings benefits to all of you

    Can I also point out that Groupon would be worth a look for a great restaurant deal as you can frequently get meals for 2 or more people that have a even greater discount of 50% and a lot of meals will have an the 1st alcoholic drink (or a soft drink alternative) as part of the meal.

    For me personally I can also buy the Groupon through my cashback site Quidco, which means I save even more money, once the cashback is paid out to me.
    • chanie
    • By chanie 13th Feb 18, 2:01 PM
    • 2,028 Posts
    • 10,561 Thanks
    chanie
    sugar Im a history buff, so English Heritage is right up my street. When the children learn about history in school, I use it as an excuse to drag them around historical sites.

    I did have a look at Groupon for some restaurant deals, but there isnt much that I fancy at the moment - I suspect that they dont really want to do deals around Valentines Day.

    Frugal stuff
    I placed an order for some undies for the children as Sainsburys have 25% off.

    Groupon sent me a deal for a £20 voucher for Footlocker for £10.

    Local shopping centre were doing a treasure hunt and we won two playmobil figures - will give those to charity.

    In Poundland I bought 2 woolite for delicates.

    We also went to the library this morning. My children love going, although the novelty of reading the books wears off as soon as we get home. I also got to grab a few books as well.
    2018 challenge to save £1000
    Spend less - £495.13
    Live more - £1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • pennywisepoundstupid
    • By pennywisepoundstupid 13th Feb 18, 2:46 PM
    • 4,794 Posts
    • 16,323 Thanks
    pennywisepoundstupid
    [B]

    In Poundland I bought 2 woolite for delicates.
    Originally posted by chanie
    Thanks for mentioning this,I didn't know they sold woolite, will take a look next time i'm in and get some.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £1000/£349.02 Kitchen savings stage 1 £1500/£160.24
    Amazon vouchers
    £9
    • chanie
    • By chanie 13th Feb 18, 6:28 PM
    • 2,028 Posts
    • 10,561 Thanks
    chanie
    Thanks for mentioning this,I didn't know they sold woolite, will take a look next time i'm in and get some.
    Originally posted by pennywisepoundstupid
    It’s £2 a bottle, penny.

    A poster on another thread mentioned it and recommended the extra dark one, so I bought a couple of those, plus Woolite delicates and Dettol anti bacterial wash.
    2018 challenge to save £1000
    Spend less - £495.13
    Live more - £1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
    • sashybo
    • By sashybo 13th Feb 18, 8:45 PM
    • 2,774 Posts
    • 20,578 Thanks
    sashybo
    Chanie, if you're looking to have a drink or two with DH there might be some drinks deals on the discount/voucher sites. I've noticed a lot more of those types of deals recently i.e. 2 cocktails each for 2 people for £12. Mind you that's Glasgow prices, don't know about London. DH & I always get a bit at London prices.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £10,467 extra paid off debt. Total Debt paid off £51,166
    Loan £2328.49, CC 0% BT £1095, Car loans £22,226.11

    Have a Debt Free Diary to try & keep spending in check.
    • sugarbaby125
    • By sugarbaby125 13th Feb 18, 9:44 PM
    • 1,304 Posts
    • 8,434 Thanks
    sugarbaby125
    Chanie,

    I find history fascinating and I will never know enough but I keep learning though. I may even treat myself to English Heritage membership once I know whether or not I am going to be awarded ESA beyond the assessment period and have a stable income
    • chanie
    • By chanie 13th Feb 18, 11:31 PM
    • 2,028 Posts
    • 10,561 Thanks
    chanie
    sashy London can be reasonable, if you avoid Central London and anywhere hipsters have moved in. Its only the housing that makes it expensive. A travel card costs under £10 a day and will get you across London, so you dont need a car. You are normally not too far from all major supermarkets, so you shop around for bargains. Theres a lot of free entertainment and cheap restaurants if you know where to look.

    sugar I am a member of the civil service sports and social club (cssc) and get a lot of my discounts from there. It costs £45 for the year and more than pays for itself. The English heritage membership is included, as is royal historic palaces (tower of London and Hampton court palace), discounted cinema tickets (I know you go to special screenings, but I give the tickets out as gifts to friends and family), discounted gift vouchers (8% on Argos for example).
    Its open to all public sector workers but you can link to friends and family if you arent eligible. The reason I mention it is that if you are interested in joining English heritage, consider doing so through Cssc as youll get more benefits for the same price.
    Good luck with your esa assessment.
    2018 challenge to save £1000
    Spend less - £495.13
    Live more - £1712.05
    My spending diary - Spend Less, Live More - a spending diary
    http://forums.moneysavingexpert.com/showthread.php?t=5576179
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