It hasn’t been easy saying NO. Every trip to the supermarket is quite a challenge when having to stick to a very small shopping list. Gone are the days when I’d get a trolley full and spend £75! Today my weekly shop came to £10.44.
Yesterday I popped out to ‘Wetherspoons’ in Maltby for a slice of delicious vanilla cheesecake with a fruit compote, coffee and a chinwag with my friend Liz. The dessert was delicious as was the free refill fresh black coffee, it was a real treat and yet still within my weekly budget (only about £4!)
The great news for me was that at the end of the day when I did my spending calculations and counted the money in my purse, I had underspent for the 6th week in a row and was able to put £8.33 into my cash emergency/savings jar making a grand total of £116.03p!
Tonight is going to be a challenge, my weekly household/entertainment budget will be truly stretched as 18 of us ladies are attending a ladies night event at Carlton Park Hotel. But I’m on a roll and I know my £15 weekly budget will suffice! I’m determined!
So what have I been doing to save the pennies (so the pounds look after themselves!)
You may have read in some of my past posts about some of the smaller changes I am making that add up to quite a bit at the end of the year…. here are some of them.
- I am using an EcoEgg detergent free laundry egg with great success! So far I have been really pleased and its doing its job! I do use a stain remover spray which I already had, for anything that is heavily stained. The EcoEgg saves me £57.39 p per year – here is the review I wrote about it.
- I am using a Crystal Deodorant Mineral Stone rather than my normal roll-on deodorant saving me £33.50 a year (it pays itself back after the first couple of months). This works really well, there is a knack to applying it. Run the stone under the tap for a second, shake it to remove excess water, apply to under your arm rubbing back and forth like you would a normal roll on but instead rub it back and forth about 20 times covering all areas of the armpit. Repeat the process on the other side. I’ve not had a smelly pit yet!
- I’ve switched my mobile phone Giff Gaff Goody Bag from £20 a month to £10 a month saving myself £120 per year.
- I cancelled my Platinum level Natwest Account and moved to their FREE bank account. I was paying £17 per month with the Platinum Account. The benefit I lost was roadside assistance/breakdown so I signed up to GreenFlag at £5.75 per month. This works out as saving £135 a year!
Just these 4 changes alone will be saving me £345.89 this year!
A BIG EXPENSE I was prepared for..
My 19 year old car went in for it’s MOT on Monday. I knew if she was to get through her MOT it would end up being expensive as she has been suffering with corrosion. The last four months I have been putting at least £100 a month into a sinking fund for my car. Infact the amount of money I had put aside was £480.03 (not sure why there was a 3p but there was!). Poppy needed nearly £300 worth of repair/welding, she failed her emissions so the engine needed treating, her front drivers tyre needed replacing, the headlights needed adjusting and the wiper blades needed changing. To save money with the repair/welding I had the treated wheel arches hand painted with black instead of rubbed down and resprayed. In total, including the fee for the test, the bill came to £480.
My car is worth about £400, I could probably do without her at a push as I live just 2.5 miles away from work but I do have other responsibilities that take me further away. So I had the work done. It was difficult to lose all that hard earned and saved £480 in one go but I reminded myself that I had saved for this eventuality and imagine what a pickle I would be in if I hadn’t started saving! Despite the big bill It also felt good that I was able to pay for it without worrying how I was going to find the money for it!
I’m happy I have my car back. I’ll continue putting money into a car sinking fund every month as I fear that next February it will be time to find myself another car.
So looking at the 4 small changes I’ve made above AND the amount I am underspending every week by sticking to my shopping list and planning ahead I’ve worked out that this will save me over £1000 this year!
What changes are you making to save money, get out of debt and put some money away for a rainy day?