just a short Thrifty update this month to let you know I'm still focused on my money saving goal for 2017.
I think I'm finally getting out of the spending habit.... well mindless spending...we have some big experiences coming up but that's ok. It's all about priorities isn't it.
I don't want to save just to have money in the bank. I do want to save for specific goals and to build an emergency fund.
I'm still shopping carefully, mostly at Aldi these days. Still using cash and making a list.
Our garden is in disarray at the moment due to a project that I will share soon. Safe to say it's all about reusing and re-purposing and keeping costs as low as possible. So the garden does not look it's best but there are still things out there that make me smile...like these apples forming in the little tree we planted last year. I'm hoping for some free food :0)
A concept I'm finally grasping is "a penny saved is a penny earned."
I'm unlikely to get a significant pay rise for the foreseeable future, but by trimming spending wherever I can...even if it is only a few pennies...I can in effect, give myself a pay rise.
I bought a secondhand copy of THIS book a while back and while I found a lot of the advice rather odd, it did make me think. A comment that when you spend money you actually spend it twice stuck with me. Sounds crazy but if you think that by spending it on something you are preventing yourself spending it on something else it makes sense...well it does to me.
Just a few days ago I managed to pay off a loan we had taken out for a replacement central heating boiler a whole year early. That made me very happy as it was quite a high interest rate (because I had been too lazy to try and find a better deal) .
Knowing I have at least saved a hundred pounds or so in interest is a good feeling, and not having this loan amount going out of my bank every month will help us with further saving....for an emergency fund to hopefully avoid another loan.
We do have an expensive time ahead with driving lessons for our twins who have just turned 17. I know it's not essential to learn to drive...and we won't be in a position to fund cars when they pass...but I do want to help them get this skill "under their belt", as it were.
Being able to do things like this for the family makes all the effort worth while. Well it doesn't really seem like effort most of the time. Yes I suppose it would be nice to have a spending spree....but I know it would not make me happy in the long term.
Being careful and making savings. Not wasting money or resources. These are things that give me satisfaction and peace of mind.
As Ilona says, it's a game I want to win :0)
I'd love to hear how you are getting on lovelies. Your comments on these posts always inspire me. Thank you for taking the time to write.