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Old Jan 4th, 2014, 03:34 AM   41
Rhi_Rhi1
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Oh dear, had a flick though... I pay out a month on debt on what some of you have to clear in total :/ wowza that makes for a reality check x


Will be debt free though by the end of the year! so that is encouraging at least
going to be one frugal year haha.



 
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Old Jan 4th, 2014, 03:49 AM   42
aimee-lou
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morning ladies. will update later on but welcome new people too!

hubby is back tonight....yay. he's been away at hockey training for 3 days so have a shed load of stuff to do today as I've been lazy the last 2 lol.

UPDATE: Think I've updated everyone I can.

Rhi_Rhi - Do you want to be added to the list? What's your target?

Managed to add 6 to my savings today! Every little helps as they say :-D



 
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Old Jan 4th, 2014, 11:34 AM   43
Natasha2605
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Welcome to everyone who has popped by.

Nothing new here, I did have a spare 60 in bank yesterday so put it towards a debt.

For the minute we've decided to have one takeaway a week. We had one last night and none now till next Friday.

We have decided we will start taking meals into work with us. Today I bought some plastic tubs and OH's food. We currently spend about 100 a month on money for work meals between me and OH. Hoping to cut costs drastically by taking in our own,better quality meals!

For the first time in ages I'm positive about making changes!



 
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Old Jan 4th, 2014, 11:49 AM   44
weewdy
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As of monday we are starting healthy eating and saving. So we are having our last chinese tonight, so hopefully if i stick to it i can save 15 a week in a savings jar just from the chinese alone.



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Old Jan 4th, 2014, 12:00 PM   45
tasha41
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I'm now at $350 saved. I should have $400 but OH borrowed $50.



 
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Old Jan 4th, 2014, 12:51 PM   46
catty
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Planning meals is definately best and going to cheaper shops.
I went to asda and got heapsss of fruit to make baby purees, bags of veg to make soup. 5 different meats in the woopsie section (10 for all 5 although this is unusual) some freezer meals, heaps of treats, cans of juice, all the weekly essentials,cleaning products and I got a blender a toastie maker and next years wrapping paper and crackers all for 55.

Then I got home oh said id forgot to buy bacon and his energy drink so I nipped to the little cornershop coop and spent 9 on bacon and energy drink as I ended up getting a magazine and a paper. I was almost sick when I found out the bacon cost 3.90 - seriousyl?!?!?

So I have made my new years resolution to never just nip to the corner shop ahah



 
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Old Jan 4th, 2014, 13:05 PM   47
catty
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Im unsure if this is suitable for this thread but have wrote a list of everything we pay in hopes I can find ways to lesson this -

Mortgage 608
Council tax 128
Tv licence 12
Elec & gas 100
Car payment 92
Critial life and health ins - 38
Car ins - 35
House and building ins - 28
Park savings - 25
Sky 50
My phone 25
Oh phone 25
Contact lenses - 25
Sofa payment - 40
Bank charges - 40
Dad 50

I then try and spend 80 on petrol 200 on food and 50 for anything to do with baby

This comes to about 1650 and we give ourselves 80pm each which leaves us with 140 for saving/ birthdays/ urgent things like new shoes or if something breaks



 
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Old Jan 4th, 2014, 13:38 PM   48
weewdy
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Quote:
Originally Posted by catty View Post
Im unsure if this is suitable for this thread but have wrote a list of everything we pay in hopes I can find ways to lesson this -

Mortgage 608
Council tax 128
Tv licence 12
Elec & gas 100
Car payment 92
Critial life and health ins - 38
Car ins - 35
House and building ins - 28
Park savings - 25
Sky 50
My phone 25
Oh phone 25
Contact lenses - 25
Sofa payment - 40
Bank charges - 40
Dad 50

I then try and spend 80 on petrol 200 on food and 50 for anything to do with baby

This comes to about 1650 and we give ourselves 80pm each which leaves us with 140 for saving/ birthdays/ urgent things like new shoes or if something breaks
Just out of curiosity why is your contact lenses so much per month? My oh got his from specsavers and then changed to ordering them online and the price is alot less. He was 18 a month and now he is 30 for 6 months and he buys solution as and when needed. Also your life insurance seems high, we are 15 a month.



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Old Jan 4th, 2014, 13:53 PM   49
aimee-lou
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Catty - Initial thoughts.

1. Get rid of sky! How much do you really watch of the drivvle?! And if OH complains about the footie, tell him to pay the subs out of his own money, or to go round a mates to watch it! lol We have freeview, and even then it's not been tuned in for 6 months now! We just watch DVD's and use the iplayer and such.

2. Get contact lenses online at a much cheaper rate. I used to pay 12 a month last year from specsavers.

3. PAYG - Hubby and I have giff gaff. He buys himself a new phone after he has saved up/worked overtime for it. He pays 10 a month, I pay 10 every 2-3 months as it just tops up when I drop below 5 credit. It's saved us 100s I reckon as he always used to go over his minutes and end up paying about 40 a month. Plus, it's free for us to call/text each other!

4. Call the council and ask to spread the cost over 12 months. That could help with budgeting but I like the 2 months off as this helps me save up for summer day trips lol.



 
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Old Jan 4th, 2014, 13:57 PM   50
weewdy
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Quote:
Originally Posted by aimee-lou View Post
Catty - Initial thoughts.

1. Get rid of sky! How much do you really watch of the drivvle?! And if OH complains about the footie, tell him to pay the subs out of his own money, or to go round a mates to watch it! lol We have freeview, and even then it's not been tuned in for 6 months now! We just watch DVD's and use the iplayer and such.

2. Get contact lenses online at a much cheaper rate. I used to pay 12 a month last year from specsavers.

3. PAYG - Hubby and I have giff gaff. He buys himself a new phone after he has saved up/worked overtime for it. He pays 10 a month, I pay 10 every 2-3 months as it just tops up when I drop below 5 credit. It's saved us 100s I reckon as he always used to go over his minutes and end up paying about 40 a month. Plus, it's free for us to call/text each other!

4. Call the council and ask to spread the cost over 12 months. That could help with budgeting but I like the 2 months off as this helps me save up for summer day trips lol.
Just on the council tax i pay extra a month so i dont have to pay anything dec, jan, feb. It means im 150 better off over christmas.



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