Pretty chuffed with myself.
I usually always pay by card so was spending more than needed on stuff that wasn't needed. This week I've kept it strictly cash (except my gas and electric which I top up online and ordering some new school bits for the kids).
Whatever I've had in change I've put in a money tub, there's over £10 in the tub so far. Win win for me because I hate carrying change and I wanted a way to afford to go on holiday to France next year!
I've had no impulse buys and no overspending
I have been seriously looking at my spending since christmas. What i started doing is check my online banking everynight and if my balance was £558.37 i would transfer £3.37 into my christmas savings account. Some days there would be nothing to transfer due to me not soending anything. Between my accounts i have managed to save £72.86 since christmas and ive not noticed it. I have also opened a few new bank accounts. A high interest current account that i am keeping my savings. A santander account so i get cashback on my mortgage and 2 new kids savings accounts (which now give 3% instead of 0.05%)
Since xmas 2016 i also set up 4 different accounts, car, holiday, house, xmas. Everyweek i pay £10 into them apart from house which i pay £30. Its not long in building up.
I also know my bills comes to £1358 per month. Whatever is left over i divide by 4 which normally leaves me around £150/£200 per week to cover food, petrol etc.
Just to add that with looking into my savings accounts and mortgage cashback i will be earning approx£400 per year more than last year.
Havnt been so good lately but i have pretty much 99% cut out getting a coffee or cake when out and about. I used to do this once or twice a fortnight and i have even noticed savings just doing that. Half the time i couldnt drink it as i was too busy getting the kods organised and then id end up leaving some.
Iv also stopped doing softplay unless its a special treat. We were going quite often before xmas and i was spending about £15 or more each time.
Iv also stocked up on kids bday pressies for people in the nursery class. Just things like Avengers and my little pony etc which was on a massive sale. Some things were about £2.50 but usually about £10-15.
Thats all so far but i need to keep at it, we have so much bits to pay for this year.
I've been making my own lunches instead of buying out, I roast a chicken on Sunday and shred up any left over meat, fry this up with a fajita kit, peppers and onions.. make into wraps with rice added and freeze them. I put one in the fridge the night before and then have it for lunch the next day.
I have cut out takeaway coffee completely, and eating out (Mcdonalds, KFC etc)
I get paid on Friday and still have £580 to put away in savings!
We really needed new sofas. Argos had a deal on certain sofas (buy 2 save £50) and a 25% off code. Instead of paying £700 I paid £500 which I think is quite good. I got a £10 voucher for spending over £100 so I put it towards my sons bed. £110. 25% off and the £10 voucher I paid £82. Really pleased
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