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Thread: JANUARY MONEY CHALLENGE!

  1. #106
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    I have plenty of meat in the freezer to see me through January and possibly February. Most of my spending is on fruit & veg - I pass a green grocers everyday that has offers on so end up getting something.

  2. #107
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    0% insertion fees on eBay this weekend!
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  3. #108
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    % Lost 11.68%
    Yippeeeeeeeee, thank you, DD has some stuff her ex left & she wants to sell it, that's brill.

  4. #109
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    I'm going to put the amounts below in a jar every 4 weeks.

    JANUARY MONEY CHALLENGE!-mwsnap749-2014-01-04-13_51_45.jpg
    If you want it enough you won't keep finding excuses to not do it.

    What fits your schedule better -- Exercising 1 hour a day or being f** 24 hours a day?”

    "I don’t think there’s any excuse for women not to stay in shape. We just need to stop gorging, put on our trainers, and use some self-control. No one else is going to do it for us." Linda Barker

    “Eating crappy food isn't a reward -- it's a punishment.” ― Drew Carey

    Paleo since Apr 2012 9st 9lbs got to 8st 7lbs October 2012 and with focus,exercise and motivation have stayed below 9st since.
    Hard work and dedication pays off.No time for excuses if you really want to loss the weight.
    I can now enjoy special occasions without having to worry about what the scales will say after.
    Loving life,Loving my body.


  5. #110
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    That's very cool
    Do the best you can, and when you know better, do better

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  6. #111
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    Picked some jars up this morning in Poundland for chutney etc so I've got one as my money jar.Thinking of using loose change for the amounts then it will look a lot.

    JANUARY MONEY CHALLENGE!-mwsnap752-2014-01-04-16_07_58.jpg
    mrstore and pixie-gem like this.
    If you want it enough you won't keep finding excuses to not do it.

    What fits your schedule better -- Exercising 1 hour a day or being f** 24 hours a day?”

    "I don’t think there’s any excuse for women not to stay in shape. We just need to stop gorging, put on our trainers, and use some self-control. No one else is going to do it for us." Linda Barker

    “Eating crappy food isn't a reward -- it's a punishment.” ― Drew Carey

    Paleo since Apr 2012 9st 9lbs got to 8st 7lbs October 2012 and with focus,exercise and motivation have stayed below 9st since.
    Hard work and dedication pays off.No time for excuses if you really want to loss the weight.
    I can now enjoy special occasions without having to worry about what the scales will say after.
    Loving life,Loving my body.


  7. #112
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    Goal BMI: 23.7


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    Weight to Lose: 1st12lb
    % Lost 20.28%
    Looks good! X

  8. #113
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    Goal Date: July 2014


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    Goal BMI: 26.3


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    Weight to Lose: 0st7lb
    % Lost 36.84%
    Quote Originally Posted by Maverick View Post
    Also, I was thinking about buying a 12 week countdown at WI tomorrow, as there are 12 WIs til bf comes home, and that would save me a tenner. But, does anyone know what happens to your countdown if you hit target in the middle of it?? Do you lose the weeks you have paid for or save them for when I (hopefully) lose so much more that I'm out of target again!!
    Youre best off asking your consultant about that, if youre close to target it might not be worth spending all the money, you never know the extra incentive of doing it in less than 12 weeks might make you get it even quicker lol.
    Maverick likes this.
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  9. #114
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    % Lost 35.5%
    I don't think you get refunded, whether they would bank the extra weeks incase you go over target and are due to pay. I always bought 12 week cd. But I just had to use common sense near the end of my 6 stone loss, even more confusing as I never set a target either. I just paid weekly near the end you can buy 6 weeks too? But only you knows how much you're likely to lose weekly over a ten week period if you can check your book? Or think of any sabotaging occasions that may be due? Good luck x
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  10. #115
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    Quote Originally Posted by pixie-gem View Post
    Found some good ideas on here.
    Most of them aren't relevant as it's American but I found a few

    http://www.thebudgetdiet.com/wp-cont...-Checklist.pdf

    Oh and this is the link to the printable money jar sheet (finally figured it out lol)

    https://docs.google.com/file/d/0B4_O.../preview?pli=1

    Emsie this is one using quarters (25p) so a lot less weekly but still adds up to over £300 if helpful to you x

    https://drive.google.com/file/d/0B4_.../preview?pli=1
    Have printed mine off...didn't realise it was the kids one lol
    Apart from not being able to afford the grown ups one I do prefer not to have too much cash like that in house incase of a break in or anything though but hopefully that won't be an issue!
    Am going to try and encourage daughter to do one too.

    The monthly one looks good too.

    A Monthly Chart for the 52 Week Money Challenge - Saving Advice Articles
    Last edited by *Emsie* : 4th January, 2014 at 06:08 PM
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  11. #116
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    % Lost 1.56%
    Oh I like that bottom one, that might be a good one for saving for particular things like holidays or car or some big purchase

    Thanks for posting the link x
    Do the best you can, and when you know better, do better

    Worrying doesn't take away tomorrow's troubles, It takes away today's peace

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  12. #117
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    Quote Originally Posted by abisaurus View Post
    Youre best off asking your consultant about that, if youre close to target it might not be worth spending all the money, you never know the extra incentive of doing it in less than 12 weeks might make you get it even quicker lol.
    Quote Originally Posted by Bunnylush View Post
    I don't think you get refunded, whether they would bank the extra weeks incase you go over target and are due to pay. I always bought 12 week cd. But I just had to use common sense near the end of my 6 stone loss, even more confusing as I never set a target either. I just paid weekly near the end you can buy 6 weeks too? But only you knows how much you're likely to lose weekly over a ten week period if you can check your book? Or think of any sabotaging occasions that may be due? Good luck x
    Well I've got no sabotaging occasions planned, no birthdays or anything. I'm sure there will be the odd night out/in with the girls but not many!!

    Anyhew, I had WI this morning and asked my C before hand what I should do. She told me that if I called target during the 12 weeks she could make a call to head office and I would get refunded. I intend to lower my 9 stone target anyway once I get there so I don't think it will be an issue. And knowing that I have 12 WIs to lose as much weight as I can before bf comes home is the best incentive I need and my C agreed that it would be good for me (she knows how much I've struggled without him, I sobbed through image therapy one week )

    Thanks for your help anyway ladies, much appreciated xx

  13. #118
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    Total Weight Loss: 4st1.5lb
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    % Lost 30.75%
    Saw the Martin Lewis money saving programme on ITV yesterday.
    He suggested having several bank accounts, one for each purpose.

    Your main account is where your salary is paid in. Then have several direct debits set up
    a few days after payday into each of the other accounts.
    You would have separate accounts for bills, housekeeping, holidays, car, savings etc.
    As many as you needed.

    Seems like a good idea if you`re not very good with finances. A bit of a faff to set up.
    Rosielea, pixie-gem and flabtofit like this.

  14. #119
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    Current BMI: 22.1
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    Total Weight Loss: 1st2lb
    % Lost 11.68%
    See I think that is a good idea, like when I was young my mum had a tin with a lock & it had slots in each one was to pay for something different & I like that idea. I already have some money which goes into a savings account each month, but when I've got some extra I want to put it into a different account for a special holiday. I'm with Barclays & really need to take a look to see if I can do that, I don't want to be tranfering money to different banks, yep that would be a faff!!!!!

  15. #120
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    pixie-gem's Avatar
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    Quote Originally Posted by Happy Holidays View Post
    See I think that is a good idea, like when I was young my mum had a tin with a lock & it had slots in each one was to pay for something different & I like that idea. I already have some money which goes into a savings account each month, but when I've got some extra I want to put it into a different account for a special holiday. I'm with Barclays & really need to take a look to see if I can do that, I don't want to be tranfering money to different banks, yep that would be a faff!!!!!

    My mum had one of those, she had put little stickers on them for what the slots were for, and you know i have been searching for one for over a year and cannot find them anywhere!

    I think the "pot" idea is fab, i am also with Barclays and i don't think they do it, i think Nationwide do, you can arrange little pots, but it means switching banks and sometimes that's a faff.

    Hubby worries about money in the house too so i got a safe, your house insurance covers up to a certain amount so i just have the intention of staying under that (nowhere near it yet) however i also find it's very easy to spend it when it's in the house....

    I need to check my holidays, that's what i seem to spend all our money on, breaks here and there, combined with dog sitters (If in UK then we take him with us) I'm already looking at christmas breaks lol We have been dreading christmas the last 5 years or so as it's always spent with his family and never fun in the slightest, so this year we decided we would go away and have our own little christmas and actually enjoy it for once.
    We've gone from cruises to coach tours to renting a little cottage in the middle of nowhere to an AI holiday somewhere....i just can't decide...argh! I'm no good with decisions lol
    Do the best you can, and when you know better, do better

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