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Tuesday, 25 November 2014

Money Saving from September to November....

The past few months have been quietly productive for us. It's been nice. I'm not missing my old job and handing in my notice has given me chance to concentrate on our little family, exciting new projects and i'll be totally honest, it feels like a massive weight has finally been lifted. It's great!
It's been a little while since I last updated here on our little money saving mission so here is a pocket sized update of some of the things we have been up to during the last few months. Not much new but I hope you enjoy reading nonetheless!

Here we go....


The mortgage. Last time I updated we had just made a one-off payment of 10% of our outstanding mortgage balance which instantly bought our monthly repayments right down. Doing this made us quite enthusiastic about reducing our mortgage quickly so in September we made another 10% payment, bringing our payments down even further. Doing this feels amazing and means that we can whack the saved money straight into the savings ready to make another over-payment as soon as we can next year. Be gone, mortgage!

eBay. Selling on eBay is going really well and is really helping us not only in terms of making a bit of money but de-cluttering and evaluating what is really important in our home. Vintage items seem to be a real hit for me so this is something i'll continue throughout next year too as I still have plenty to get rid of!

Budgeting. This is something that both of us are hopeless at normally but for Christmas this year we've been prepared and bought most of our gifts early as December for us is the dreaded month of ALL THE BILLS. Car insurance, home bills.... argh, it all comes at once! Feeling kinda smug though that we're almost on top of gift buying already and we'll hopefully be able to spend next month mostly eating mince pies and watching Christmas movies! 

Beauty.  At the beginning of the year I decided that I would only purchase cosmetics and toiletries if I had run out and genuinely needed to get more (things like toothpaste, deodorant, etc!). This is going really well and it means i'm not popping into Lush to treat myself or spending hideous amounts on cosmetics! 
I boxed up all of our unopened toiletries so if we run out of anything, it's as easy as just picking out the next thing from the box to use up and we're concentrating on using one thing at a time. If I do need anything though, i'll look out for offers and stock up on my favourite products (cosmetics are often on 3 for 2 at Superdrug and Boots!). 

DIY haircuts. Yeah! The ultimate thrifty experience, right?! I'm trying to grow my hair anyway (Ariel-esque lengths would be nice but we shall see!) so instead of visiting the hairdressers for a trim I've been doing it myself. Considering the hairdressers I usually go to charges around £50 for this, i'm saving quite a few pennies! 

Sealed Tins. Finally, I filled my 5p sealed tin! Admittedly once I saw that it was near the top I did go to the bank and change a note so I could finish filling it but shh, don't tell anyone! 
Inside the 5p tin was £75.00 so a worthwhile task to do and we'll probably continue to have a few more tins on the go in the future. Filtering those annoying coins out of my purse is a great habit to get into and they soon add up!

Aldi. This year we discovered the joys of Aldi and now we make sure we use them for everything from fruit to nappies. I've never actually done a full grocery shop there (I don't think I could handle the stress of the checkouts!) but we generally use them for topping up fresh food and stuff that we know is way cheaper. Oh and their ridiculously cheap fake Milky Way bars are the best though I do find myself eating more than I should just because they are so cheap.... oops!

Not buying 'stuff'. And similarly, eating out less. Both of these are a complete revelation for me, I can't believe how much we are saving and how much our lives are changing for the better just by changing a few habits. Buying less and consuming less = saving more, less stress, less clutter, less tidying, more time and most importantly, learning (how to cook, for example!), increased happiness and better clarity.    


If you're interested in reading about what I did during past months you can read back through my previous posts by clicking here

If you are trying to save money for a special occasion or just cut back a bit please do let me know your top tips and how you're getting on!

2 comments:

  1. These tips are great for me at the moment - having to live frugally right now - thank you for sharing these! - Tasha xxx

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  2. Thanks for the suggestions - I really need to start saving more! It's sooo hard though...

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