FabSwingers.com forum: Saving up

By *ittle_brat_evie!! OP Woman
over a year ago

evesham

As it's the new year I have been thing of different ways to save up some money. Not massive amounts but just little kitties for myself.

One was to save £1 for every mile I run this year (back dated to 1St January) but I've hit a groove and that would mean I'd have to put in £43 already

the idea being that the money saved this year will go on to pay for race entries next year. Might drop it to a pound per run.

Another one is a £ for a lb with my weight loss backdated to the beginning of my journey, that would mean £27 so far. Not sure what I'd spend this on really, just nice thinhs for me when I hit milestones.

Do you have little saving funds you put into?

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By (user no longer on site)
over a year ago

No. I just have the one bank account and spend as I see fit. I'm a tight ass though, so most of it doesn't go anywhere

-Courtney

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By (user no longer on site)
over a year ago

I am doing a 365 day penny challenge to save up

1st January was 1p

2nd January was 2p

And each day is a penny more - today 25p

However in December I thought it would be hard to be putting in the £3 odd a day so in the week payday falls I put in some of the December amounts

Got an Excel spreadsheet to keep me right

By end of the year it is quite a few quids

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By *ittle_brat_evie!! OP Woman
over a year ago

evesham

"I am doing a 365 day penny challenge to save up

1st January was 1p

2nd January was 2p

And each day is a penny more - today 25p

However in December I thought it would be hard to be putting in the £3 odd a day so in the week payday falls I put in some of the December amounts

Got an Excel spreadsheet to keep me right

By end of the year it is quite a few quids

i was going to do that one as well but figured i'd get confused after the 31st january lol

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By *ittle_brat_evie!! OP Woman
over a year ago

evesham

oh and yes...this was a bit of a show off post to tell you all i've been running like forest this month

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By *VineMan
over a year ago

The right place

"No. I just have the one bank account and spend as I see fit. I'm a tight ass though, so most of it doesn't go anywhere

-Courtney "

You have a lovely tight ass!

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By (user no longer on site)
over a year ago

Yes... Currently saving for a day trip to York with friends. Putting so much by every week.

I booked the tickets and my friends will.give me the cash when we travel. Tops up my spends!

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By (user no longer on site)
over a year ago

I have a new house fund which is gradually growing by cutting out things I don't need like a second Gym membership, Sky sports etc

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By *rightonsteveMan
over a year ago

Brighton - even Hove!

I put any coppers in a biscuit box and then do a mega change machine session at asda.

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By (user no longer on site)
over a year ago

"No. I just have the one bank account and spend as I see fit. I'm a tight ass though, so most of it doesn't go anywhere

-Courtney

You have a lovely tight ass!"

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By *isscheekychopsWoman
over a year ago

The land of grey peas and bacon

I put £40 a month into my savings account. I need to look at my spending though as I seem to overspend

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By (user no longer on site)
over a year ago

It sounds like someone has January blues. Like myself you have probably spend to much on Christmas. But let's be honest you could die tomorrow so why not enjoy it

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By *yrdwomanWoman
over a year ago

Putting the 'cum' in Eboracum

I've been paying the money I dont spend on cigs into a savings account since I gave up smoking. It pays for my holidays.

This year I'm saving every £2 coin I get. Up to £66 already!

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By (user no longer on site)
over a year ago

I just put all my change into a big bottle and cash it in using one of those coinstar machines twice a year...once before the holiday and again at Christmas...last years haul was £140 all together...

this year I'm collecting 20ps and £2 coins

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By (user no longer on site)
over a year ago

I've got a couple of those funky ceramic saving jars one is for whenever I get a £2 coin that's for my louboutins fund.

The other is for 20p coins not sure what that should be saved for yet maybe my very own lamppost who knows

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By (user no longer on site)
over a year ago

"I put £40 a month into my savings account. I need to look at my spending though as I seem to overspend

Set up direct debit day after payday...you wont miss it.

Keep a spend diary.. Its a shocker but made me change my approach.

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By *yrdwomanWoman
over a year ago

Putting the 'cum' in Eboracum

"I've been paying the money I dont spend on cigs into a savings account since I gave up smoking. It pays for my holidays.

This year I'm saving every £2 coin I get. Up to £66 already!

Oh yes and I empty all change under 50p size out of my purse every so often and when the jar is full I coin star it for a shopping voucher.

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By (user no longer on site)
over a year ago

"As it's the new year I have been thing of different ways to save up some money. Not massive amounts but just little kitties for myself.

One was to save £1 for every mile I run this year (back dated to 1St January) but I've hit a groove and that would mean I'd have to put in £43 already

the idea being that the money saved this year will go on to pay for race entries next year. Might drop it to a pound per run.

Do you have little saving funds you put into? "

Well done on the weight loss... Use that money to buy the new clothes you are going to need

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By *ittle_brat_evie!! OP Woman
over a year ago

evesham

"It sounds like someone has January blues. Like myself you have probably spend to much on Christmas. But let's be honest you could die tomorrow so why not enjoy it "

i put £50 a month away each month into a thrift thing at work for Christmas so dont tend to overspend, just thought it was a good way of celebrating achievements and helping spread future costs of an expensive 'free' hobby lol

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By (user no longer on site)
over a year ago

"As it's the new year I have been thing of different ways to save up some money. Not massive amounts but just little kitties for myself.

One was to save £1 for every mile I run this year (back dated to 1St January) but I've hit a groove and that would mean I'd have to put in £43 already

the idea being that the money saved this year will go on to pay for race entries next year. Might drop it to a pound per run.

Do you have little saving funds you put into?

Well done on the weight loss... Use that money to buy the new clothes you are going to need

Forget that buy chocolate and he happy for who you are

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By (user no longer on site)
over a year ago

I gave up smoking in July.

I'm putting €10 aside every day which is what I would have spent on cigarettes.

Using the savings for a trip to Oz with my daughter next Christmas.

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By (user no longer on site)
over a year ago

All of my commission goes into my pension, and I put between £100-£200 a month into an "emergency savings" account (it's just a normal current account, but separate to my day to day banking one. I see less than half of my total pay, I hope I don't die prematurely

I don't do anything else, really. No kids, no one relying on me, I like having a nice quality of life. It'll change when I get knocked up, I suppose.

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By (user no longer on site)
over a year ago

"It sounds like someone has January blues. Like myself you have probably spend to much on Christmas. But let's be honest you could die tomorrow so why not enjoy it

What have you achieved

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By (user no longer on site)
over a year ago

I love all off you to bits but this has to be the most serious and boring room ever. I'm glad I'm only hear to perv.

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By *om and JennieCouple
over a year ago

Chams or Socials

"As it's the new year I have been thing of different ways to save up some money. Not massive amounts but just little kitties for myself.

One was to save £1 for every mile I run this year (back dated to 1St January) but I've hit a groove and that would mean I'd have to put in £43 already

the idea being that the money saved this year will go on to pay for race entries next year. Might drop it to a pound per run.

Do you have little saving funds you put into? "

I've given up my morning latte at £1.89 a go. I'm putting the £40 saved in a jar on payday towards my brother's wedding in August - should cover hotel, outfits & shoes for me & my 2 boys + bar bill.

I also save £2 coins in a money jar that has to be smashed - that's for our summer holiday trips & treats

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By (user no longer on site)
over a year ago

My current fund is hit £1000 for some new subwoofers, will get around £700-£750 for the ones I've currently got.

Still got £150 in cheques stuck on the fridge that I need to cash! Will probably have the rest in the penny jar....soon adds up when you put pound coins and the odd note in them

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By *ittle_brat_evie!! OP Woman
over a year ago

evesham

"I love all off you to bits but this has to be the most serious and boring room ever. I'm glad I'm only hear to perv."

why not go start your own dynamic, amazing, interesting thread then??

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By *ittle_brat_evie!! OP Woman
over a year ago

evesham

"It sounds like someone has January blues. Like myself you have probably spend to much on Christmas. But let's be honest you could die tomorrow so why not enjoy it

What have you achieved "

what do you mean?

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By (user no longer on site)
over a year ago

"My current fund is hit £1000 for some new subwoofers, will get around £700-£750 for the ones I've currently got.

Still got £150 in cheques stuck on the fridge that I need to cash! Will probably have the rest in the penny jar....soon adds up when you put pound coins and the odd note in them

Cheques go out of date after 6 months

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By *yrdwomanWoman
over a year ago

Putting the 'cum' in Eboracum

"I love all off you to bits but this has to be the most serious and boring room ever. I'm glad I'm only hear to perv."

You do your thing and we'll do ours. Although my trips to Venice, Rome, and Benidorm last year weren't boring at all.

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By (user no longer on site)
over a year ago

"My current fund is hit £1000 for some new subwoofers, will get around £700-£750 for the ones I've currently got.

Still got £150 in cheques stuck on the fridge that I need to cash! Will probably have the rest in the penny jar....soon adds up when you put pound coins and the odd note in them

Cheques go out of date after 6 months

Good job they are only a few weeks old then

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By (user no longer on site)
over a year ago

"It sounds like someone has January blues. Like myself you have probably spend to much on Christmas. But let's be honest you could die tomorrow so why not enjoy it

What have you achieved

what do you mean?"

You said it was a good way of celebrating achievements i was just wondering that's all

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By *ittle_brat_evie!! OP Woman
over a year ago

evesham

"It sounds like someone has January blues. Like myself you have probably spend to much on Christmas. But let's be honest you could die tomorrow so why not enjoy it

What have you achieved

what do you mean?

You said it was a good way of celebrating achievements i was just wondering that's all "

running lots, improved fitness, losing weight and so on and so on, was all in my OP really

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By *isscheekychopsWoman
over a year ago

The land of grey peas and bacon

"I love all off you to bits but this has to be the most serious and boring room ever. I'm glad I'm only hear to perv."

Then don't comment simple as..,or are you just bored and trying to stir the pot?

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By (user no longer on site)
over a year ago

"I am doing a 365 day penny challenge to save up

1st January was 1p

2nd January was 2p

And each day is a penny more - today 25p

However in December I thought it would be hard to be putting in the £3 odd a day so in the week payday falls I put in some of the December amounts

Got an Excel spreadsheet to keep me right

By end of the year it is quite a few quids

i was going to do that one as well but figured i'd get confused after the 31st january lol

Glad it's not just me that thought that!!

I save £100 a month into a e-savings account from Oct-Oct and then use the money to fund all things Xmas. Anything leftover I use for the Sales.

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By *isscheekychopsWoman
over a year ago

The land of grey peas and bacon

"I put £40 a month into my savings account. I need to look at my spending though as I seem to overspend

Set up direct debit day after payday...you wont miss it.

Keep a spend diary.. Its a shocker but made me change my approach."

My DD's come out the day after thank god

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By (user no longer on site)
over a year ago

"I love all off you to bits but this has to be the most serious and boring room ever. I'm glad I'm only hear to perv.

You do your thing and we'll do ours. Although my trips to Venice, Rome, and Benidorm last year weren't boring at all."

Good for you but if like myself you spend your money you will only end up starting over again. With goes back to my first quote about it being pointless worrying about saving etc because we're all going to be back at square 1 in January

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By *yrdwomanWoman
over a year ago

Putting the 'cum' in Eboracum

"I love all off you to bits but this has to be the most serious and boring room ever. I'm glad I'm only hear to perv.

You do your thing and we'll do ours. Although my trips to Venice, Rome, and Benidorm last year weren't boring at all.

I'm not. I save all year round and dont blow it. Even paying for my big holiday next year will leave me with £1,000 still in the pot.

After my 50th I'll start topping up my pension. I like living well, but I'll like living well when I've retired even more.

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By (user no longer on site)
over a year ago

"I love all off you to bits but this has to be the most serious and boring room ever. I'm glad I'm only hear to perv.

You do your thing and we'll do ours. Although my trips to Venice, Rome, and Benidorm last year weren't boring at all.

My account doesn't zero at the end of the year

How do you afford large purchases if you never save? I can't imagine living day to day in such a way.

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By *om and JennieCouple
over a year ago

Chams or Socials

"I put £40 a month into my savings account. I need to look at my spending though as I seem to overspend

Set up direct debit day after payday...you wont miss it.

Keep a spend diary.. Its a shocker but made me change my approach.

My DD's come out the day after thank god

I have a separate bills account so a huge chunk leaves main account for bills account on 1st of the month & I didn't have to worry.

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By (user no longer on site)
over a year ago

I'm not on a huge wage, Probably average for my area, But being single with no children my only big expenditure is my mortgage, I never spend all my wages in one week and do alright with my savings through out the year

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By *iamondsmiles.Woman
over a year ago

little house on the praire

Bloody hell I put money everywhere lol.

Day today bank account it goes in and mostly drawn out but I save £200 a month in there for birthdays holidays Christmases that sort of thing gets spent on those things then goes back up and spent again. Not long term savings, oh and say the washing machine home broke or something that kind of thing.

Then my savings savings account which I put £500 a month in and its not supposed to ever get touched but occasionally I might have to dip into it.

Then baby jacks bank account that I shall put £50 in for birthdays and £100 for Christmas until he's 21.

Then my ISA's that can't be touched for 5 years at a time.

My change jar which this Christmas had about £230 after normal outgoings I give myself £30 a week pocket money which I spend on charity shops and cups of coffee

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By (user no longer on site)
over a year ago

"oh and yes...this was a bit of a show off post to tell you all i've been running like forest this month

Brilliant!!

Draw a line on a map every run you do, and see how long it takes you to get cross country?

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By (user no longer on site)
over a year ago

I saved all !£2 coins and 50p last year. In a tin at mums where I couldn't get to it. Got nearly £300. It bought new gates. Also save change (but at mine so not very well). This year I'm determined to save all the money I get from my training class.

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By (user no longer on site)
over a year ago

I put a pound in a jar every time I pass on a packet of crisps or some other junk food.

I'm rewarding myself by keeping healthy

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By (user no longer on site)
over a year ago

I don't really save. We have a running emergencies fund of a grand or so for if something breaks or leaks or whatever, but I'm in and out of my overdraft and credit cards and stuff at different points during the year because some months just need more money than others. Obviously I should manage that via savings rather than debt, but I don't. I don't get bonuses or commission, so never really have any big one-off amounts I can put away.

I know if I needed to cut back on spending I can - (and have in the past when it's been required) but when I don't, I won't.

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By (user no longer on site)
over a year ago

I have ten year saving/investment plans on the go.

Over the last four years I have started one each year putting a set amount into it each month and when they mature I will have a fair amount to spend on cars and holidays etc.

Only six more years to go till I can cash the first one

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By *htcMan
over a year ago

live cheap, buy bulk, shop around, and stop buying named brands and dont over spend think before you buy something, do i really need this, have similar, wont get used...., or what better good could this money be spent on, mortgage, bills, improvements, new car....

and dont go out to often, thats how i save, can save a large amount every month. may sound boring but it seriously saves alot,

you can also add up what each month you spend on things, just a rough price not exact, and you can see if you are overspending and what you can cut back on.

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By *ophieslutTV/TS
over a year ago

Central

I've thought about it but I tend to just be a little uncontrolled with money, spending a little less when I feel I need to and spending what I fancy, when things interest me.

Are you running in Sutton Coldfield again this year?

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