Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • shabbychic12
    • By shabbychic12 1st Feb 18, 2:30 PM
    • 83Posts
    • 425Thanks
    shabbychic12
    2018 It's My Time
    • #1
    • 1st Feb 18, 2:30 PM
    2018 It's My Time 1st Feb 18 at 2:30 PM
    Well l've decided to start this diary for me so that maybe in 12 months time l can look back at what l have or have not achieved. Let's hope it's the first and that when l look back on this post it's from the front seat of my camper some where warm.
    Small potted history - lost my DH at 50 but luckily he left me not having to worry too much about money and l already had tendencies to save. Have decided that this year l'm going to retire at 54 and do some of the things we had planned to do together So it's save save save to be able to do that in Sept 2018 and then basically it's my time.
    Have managed to get the VW camper(1972) back on the road 2,500 worth of work later lol and the aim is to use this and travel. I also hv a 1972 Eriba Puck which l have yet to decide if l can manage to tow. We become quite a road train when out on the road. So we will see next few months how l go on.
    I know l will have good days and bad days worrying about my decision but life's too short to worry because tomorrow doesn't always come. Well that's post 1 done off to list some more 'collectibles' currently listing my DD polly pockets from the 80's and not doing too badly unfortunately having to split with her.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
Page 1
    • shabbychic12
    • By shabbychic12 1st Feb 18, 7:08 PM
    • 83 Posts
    • 425 Thanks
    shabbychic12
    • #2
    • 1st Feb 18, 7:08 PM
    • #2
    • 1st Feb 18, 7:08 PM
    Well as l settle down to watch so tv l can reflect on a mixed day spend/saving wise. I was trying for a NSD but this was a bit optimistic so 30 spent on petrol, prescription and milk. I have set my budget for the month and my aim is to save 1000, l managed 715 in January which l was happy with.
    On the planned retirement l have worked out that for every 500 l save l can support myself for a month when l finish without much change to my lifestyle ( hopefully) so currently 1 1/2 months without touching my savings.Looking to have a pot to see me 2 years without worrying too much.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • shabbychic12
    • By shabbychic12 2nd Feb 18, 8:22 AM
    • 83 Posts
    • 425 Thanks
    shabbychic12
    • #3
    • 2nd Feb 18, 8:22 AM
    • #3
    • 2nd Feb 18, 8:22 AM
    Morning, thought ld share my method of helping me save this year. I'm following the Japanese Art of Saving Money : KAKEBO

    This gets us to ask 2 questions : are you really aware of what you spend ?
    : do you know how to value things beyond their price ?

    Keeping a Kakebo is easy. At the start of each month simple decide how much you want to save and what you need to do to achieve your goal. Then note down your weekly spending and at the end of the month see how it al tallies up. In the Kakebo there are slots for you to personalise it according to your own spending and space for reflection and to make changes as you go along.

    For me the fact it fits in my handbag is a big positive. Can become a bit obsessive filling it in but so far l'm doing it.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • Katiehound
    • By Katiehound 2nd Feb 18, 3:33 PM
    • 4,444 Posts
    • 38,862 Thanks
    Katiehound
    • #4
    • 2nd Feb 18, 3:33 PM
    • #4
    • 2nd Feb 18, 3:33 PM
    Good luck in your quest.
    I am assuming that your savings are working as hard as you are!!? and that you are able to play the current account switching game to boost your piggy bank.
    Current account these days pay more then savings accounts- lots of info on the banking & budgeting + savings board.
    I'm sure that every extra 5 per month adds up.......
    Using a CC with cashback- or 2 xDDs paying 5 pm as an example
    Being polite and pleasant doesn't cost anything!
    If you found my posting helpful please hit the "Thanks" button!
    Many thanks

    2018 Wombling : Entrant 8 ..2319 cc+.2205mm (2.20.5) + RK 5.21= 30.64.5
    • shabbychic12
    • By shabbychic12 2nd Feb 18, 8:19 PM
    • 83 Posts
    • 425 Thanks
    shabbychic12
    • #5
    • 2nd Feb 18, 8:19 PM
    • #5
    • 2nd Feb 18, 8:19 PM
    It's all working as hard as it can at the moment but keep looking out just in case something tempting comes along. That's the thing the money has got to last for a long time fingers crossed. Took my eye of the ball last year but back on it now.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • shabbychic12
    • By shabbychic12 3rd Feb 18, 8:38 AM
    • 83 Posts
    • 425 Thanks
    shabbychic12
    • #6
    • 3rd Feb 18, 8:38 AM
    • #6
    • 3rd Feb 18, 8:38 AM
    Wet morning here in Manchester, plan was for a NSD walking (free exercise) talking a packed lunch obviously to save money so it's out with the National Trust Book to see where we can visit which may be free bar some charge for parking. Did a big shop yesterday which came in at 60.42 now normally this would hv been in the 100's and l would still need a mini shop at some point. A few YS items seem to have sneaked into the shop so l must be getting better.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • shabbychic12
    • By shabbychic12 4th Feb 18, 10:56 PM
    • 83 Posts
    • 425 Thanks
    shabbychic12
    • #7
    • 4th Feb 18, 10:56 PM
    • #7
    • 4th Feb 18, 10:56 PM
    The retirement fund is topping up nicely with some good sales this weekend. My concern will be when lve sold the quality items and left with the unsaleable lol. Might be a while till l get to this as lve got lots to go at currently ( just proves l have hoarding tendencies).
    Had the most wonderful and scary revelation today too just 7 pay packets till l finish - wow
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • excelpaul
    • By excelpaul 5th Feb 18, 1:21 PM
    • 133 Posts
    • 425 Thanks
    excelpaul
    • #8
    • 5th Feb 18, 1:21 PM
    • #8
    • 5th Feb 18, 1:21 PM
    Dear shabbychic12. Enjoying reading your thread. I hope you have read mine too as it contains lots of brilliant ideas and comments from many people with plans like yours. I would find it interesting to know your starting point in terms of where you are financially etc... as you work to achieve your plans. I know you may not wish to do this but I found that by being informative and open it encouraged others to respond with ideas and their own situations.
    You certainly seem to be able to save incredibly well. Best of luck and look forward to reading more.
    • shabbychic12
    • By shabbychic12 7th Feb 18, 3:04 PM
    • 83 Posts
    • 425 Thanks
    shabbychic12
    • #9
    • 7th Feb 18, 3:04 PM
    • #9
    • 7th Feb 18, 3:04 PM
    Thank you for stopping by and reading my ramblings. Have just had 2 days of no internet( compensation is on its way) so will be resuming normal service asap.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • shabbychic12
    • By shabbychic12 7th Feb 18, 10:11 PM
    • 83 Posts
    • 425 Thanks
    shabbychic12
    Well to answer some of exelpauls questions here goes: me and my DH had always from being mid 20's planned to retire in our 50's and as such made plans early on for the mortgage , insurance policies and pensions but when he became ill all that went out the window. Luckily we had critical illness which payed out straight away so DH knew the house was ours finally just not how we imagined it. No champagne or celebration just the knowledge that ld be ok when he wasn't here. He had worked for the NHS 35 years so again the ill health lump sum has meant along with his pension at the moment I don't need to worry.My DD also got a small pension till she was 23 so that helped see her through uni.
    I also used some capital to buy a flat which although he never got to actually see inside he knew l had invested as wisely as l could( this has doubled in value in 4 years and been rented out ever since).l intend to take all my pensions as lump sums asap (55) and invest in property again if l can. As l said l don't expect to be here to draw my pension and l am going to live for now and l'm lucky enough to be in that position( it could all fall down round me like a pack of cards but that's life and l will be ok)
    Last edited by shabbychic12; 08-02-2018 at 1:22 AM.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • excelpaul
    • By excelpaul 8th Feb 18, 4:14 PM
    • 133 Posts
    • 425 Thanks
    excelpaul
    Shabbychic12
    Not sure if I missed something but why do you say you will not be here to collect your pensions?
    • shabbychic12
    • By shabbychic12 8th Feb 18, 8:07 PM
    • 83 Posts
    • 425 Thanks
    shabbychic12
    Don't expect to live that long to be honest. So l'm living for now and will worry about the rest as it comes if it comes. And l'm not being negative or down but the opposite and making every opportunity count. Don't get me wrong l'm not l'm not going to spend every bit of money l have just because l can. I will make informed choices but as l said 2018 will be my time. I will need to be selfish and put myself first and this will be sooooo hard.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • shabbychic12
    • By shabbychic12 9th Feb 18, 4:05 PM
    • 83 Posts
    • 425 Thanks
    shabbychic12
    Well today l went to see my dad and tell him my plans, initially he was shocked but he understood and was very supportive which helps even though it wouldn't change my mind. Think he felt sorry for me and he bought me lunch lol - least l saved some money.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • wort
    • By wort 11th Feb 18, 9:55 AM
    • 778 Posts
    • 10,209 Thanks
    wort
    I wish you all the luck in the world, with your plans , I hope you have a fabulous adventure,I'm much to cautious to do what you're doing and I commend you, for being brave.
    I'm in a similar position, lost my husband last year just after my 54 th birthday, unfortunately we had no insurance or pensions, so financially I'm not the same. I do understand your drive to make the most of your life, who knows what tomorrow will bring.
    Best of luck.
    Focus on contribution instead of the impressiveness of consumption to see the true beauty in people.
    • shabbychic12
    • By shabbychic12 11th Feb 18, 12:04 PM
    • 83 Posts
    • 425 Thanks
    shabbychic12
    I do understand and we have to make them proud of us. Just hard doing it on our own sometimes. They are still with us just in a different way. My DH would be moaning about my spending and then my frugality as l go from one extreme to the other.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • shabbychic12
    • By shabbychic12 12th Feb 18, 7:44 AM
    • 83 Posts
    • 425 Thanks
    shabbychic12
    Well it's a cold snowy Monday and like many l'm on half term. I'm just contemplating going to the gym early and get it out of the way. I'm getting my summer body ready lol , l think the phrase is summer bodies are made in the winter. I joined the gym in Sept last year and l actually love it which has surprised everyoneIt's not what l would say a conventional gym as there is no treadmill or cross trainer to be seen and l don't have to do my hair and put full make up on just to fit in with the beautiful people who never sweat at the gym lol. lve joined a boot camp type of gym which is half hr of focused exercise.im not going to let myself go just yet well not without a fight. It is a luxury but l'm not giving it up yet.
    Last edited by shabbychic12; 12-02-2018 at 7:48 AM.
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • Judi
    • By Judi 12th Feb 18, 8:24 AM
    • 16,234 Posts
    • 71,018 Thanks
    Judi
    *subscribed*

    I wish you well
    'Holy crap on a cracker!'
    • shabbychic12
    • By shabbychic12 12th Feb 18, 2:05 PM
    • 83 Posts
    • 425 Thanks
    shabbychic12
    Unfortunately l cannot swim but l do cycle to work when the weathers better. I have a basket on the front for small amounts of shopping. It's just not the weather at the moment
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
    • Katiehound
    • By Katiehound 12th Feb 18, 4:26 PM
    • 4,444 Posts
    • 38,862 Thanks
    Katiehound
    Does the thought of swimming appeal to you? maybe that could be a pre /post retirement challenge?
    I swim most days at the leisure centre but I really love the thought of swimming in a beautiful turquoise Med or Caribbean! The leisure centre isn't quite so appealing!!- it lacks the ... sun! and white sand.

    Have a great half term.
    Being polite and pleasant doesn't cost anything!
    If you found my posting helpful please hit the "Thanks" button!
    Many thanks

    2018 Wombling : Entrant 8 ..2319 cc+.2205mm (2.20.5) + RK 5.21= 30.64.5
    • shabbychic12
    • By shabbychic12 12th Feb 18, 8:38 PM
    • 83 Posts
    • 425 Thanks
    shabbychic12
    I have thought about adult swimming lessons when l finish. I love the idea of swimming but it evades me and here's another thing call me a prude but l don't like the mixed changing room last time l went l was faced with a gentleman sporting budgie smugglers !!!55357;!!!56877; He wasnt a looker lol !!!55357;!!!56896;
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 1182/12000
    28/week on wk13 (1 a day challenge)644
    All this saving l'm turning into my Dad
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

58Posts Today

2,673Users online

Martin's Twitter