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Old Dec 15th, 2016, 13:53 PM   1
topsy
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Ways to save money everyday in every way in the new year anyone else?


OK.....We NEED to save more money. IF I can save it on day to day things then fab.

Our money Just GOES and I dont know what on! Apart from the mortgage and Bills.

DH says I have an issue with spending! Ok I do BUT I ALWAYS pay my Credit card off every month ( or i did!). I just use it to get tesco clubcard points BUT have gone a bit mad and for the first time dont think i can pay it all off in DEC. PUT a hol on it in Oct, Guinea pig cadges and x2 pets in Nov and Now Christmas.

I spend to much on shopping now £320 a month for 3 of us-I did have it down to about £250 BUT seem to buy to much then it goes out of date and gets thrown away-Not so much veg now we have Guniae a Pigs

I pay £35 plus £15 insurance for my phone each month with O2. This ends next Oct and I am just going to keep the phone and go on PAYG . I LOVE my phone got so many fab photos of DS on it.

Pet Insurance Cat is £11 a month and I am going to TRY and save £ 10 a month for food and injections ( £80 a year)-we buy the BIG 5kg bags of science hill biscuits from pets at home.

How do you save money? Do you save for birthday Christmas each month? Or just do it in one bit hit -Like me!! I think I might start saving every month and try and have some no spend dAYS.

Anyone want to join me? Thought if I start now It MIght stop me buying anythink else I dont need before xmas!

xxxxx



 
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Old Dec 15th, 2016, 14:24 PM   2
kellyc1987
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I'm in!

I'm looking to take out a mortgage on my own next year so I need all the money I can get!

I spend way too much money on lunches/Costa etc

I'm also returning to work full time as of February (currently only do 4 days a week).

I'm a last minute birthday/Christmas shopper too!



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Old Dec 15th, 2016, 14:26 PM   3
Bevziibubble
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Joining in! I am quite sensible with money but find that we have so many miscellaneous and unplanned spends needed every month.



 
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Old Dec 15th, 2016, 16:43 PM   4
LoveCakes
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Keep all your receipts, especially the £5 here and there for coffee out or the local shop as they all add up. They take a look and see if it was worth it.

Also if buying in a real shop hand over cold hard cash instead of using your card as counting it out makes it more 'real'

It doesn't work for me now but when I used to work part time for a low wage I'd work out how many hours I'd have to do to pay for something, so if for example a pair of shoes would have taken 8hours to earn I'd have to love them.

Personally the trick to keeping it up over the long term is to allow yourself treats but control them. Your priorities like your phone can stay but cut down on the lunches

Good luck



 
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Old Dec 16th, 2016, 00:42 AM   5
broodymrs
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I'll join. I used to be great with money but I'm in a bit of a mess now and with mat leave approaching and no job to go back to I need to cut back.

My thoughts on your post - shop around for cheaper phone and pet insurance. My cat insurance is £7 a month with animal friends.

Food shopping - this is where my money goes too. What I've found helps is do a meal plan, just buy what you need and stick to the plan. Aldi is way cheaper than anywhere else.

I'm really hoping to have a foreign summer holiday next year as we didn't last year so my challenge will be doing that on the cheap while still going somewhere nice. My parents have offered to take us to a villa but dh has said it's his idea of hell 😟



 
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Old Dec 16th, 2016, 04:59 AM   6
sequeena
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I plan on saving 50ps and £2 coins as well as putting £30 a week away. It's how I pay for birthdays/Christmas and it's how I paid for my wedding too. I generally save 20ps and under too they just go in a tub for Thomas' school dinners and snacks.



 
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Old Dec 16th, 2016, 10:55 AM   7
topsy
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Kelly I spend to much one coffees I LOVE Coasta too.

From jan I am going to TRY and Save

£20 a month for Birthday and Christmas
£10 a month for the cat!

That £30 a month I SHOULD be able to do that!

ETA £50 for butlins spending money so £80 a month

Bev -thats it its the unexpected that draws the money away.

Lovecakes thats a good idea about keeping the receipts-I send to much on my card-Today I put £4.50 coffees on my card.

Bmisses Oh will have a look when our deal ends at the pet insurance. We do shop at Aldi 1 x a week, I just did a party shop there for £80 to feed 15 people on sun, Thats just over £5 pp Our fridge is full. Oh saving up for a holiday sounds fun - we are going to BUTLINS in May ( need to save £50 a month from jan for spending money actually) we only spent just under £100 last time as everything is included

Sequeena thats a good ideas- My son get school dinner paid for ( hes in reception) but we have to do a pack lunch as he wont eat them-He had a christmas lunch and ate that so on the roast day I am hoping to add that in in jan so 1 day a week he has the school lunch and up it!

I put all my change under 20 p`s into a beer glass today and am going to empty my purse everyweek and then change it at Christmas next year, as I wont miss 50p-£1 in change each week-I hope!

xxxxx



 
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Old Dec 16th, 2016, 10:58 AM   8
Bevziibubble
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We save small change too. It soon adds up



 
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Old Dec 16th, 2016, 11:04 AM   9
broodymrs
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Forgot to mention I do save £10 a month for Christmas



 
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Old Dec 16th, 2016, 11:35 AM   10
sequeena
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In wales dinners in reception are only free if you're on certain benefits. I pay £13.25 a week. I'm sure I could spend less in packed lunches (it's over £50 a month) but he eats more variety at school.



 
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