I’ve set up a spreadsheet which I update every month based on my savings (I have a set amount I put in but usually end up taking a bit back out having to ‘lend’ some to my wife) which automatically calculates the impact on the deposit I’m saving for and what that means for potential future mortgage payments.
It’s made the whole thing a bit more fun, I guess. I’m a cool guy.
Saving money is always fun! I get everything paid out at the beginning of the month and a little something extra into a savings account.
What I would say is being organised saves a lot of money, if you book something at the right time or organise to go as a less popular time you can have the same experience for less.
Can’t beat a good budget document. I’ve got one that lists everything I have planned for the upcoming few months with the dates the money will be leaving my account - mortgage, gym membership, roughly £20 or so for each gig I’m going to, a fiver for the occasional coffee shop trip… Then a box at the bottom with the money I have in my account minus the expenses I have planned until next payday.
Once it’s all written out and you can see the amount of money you’re dicking away on frivolous, unplanned rubbish, you can shove in an entry for money you intend to save that month. Just make sure to put it in an account you can’t readily access at 1am after a few pints.
I’ve been trying to embrace the reduced stuff at supermarkets and metro stores. I always give it a swerve because people tend to turn into manic idiots around the Whoops! Section (to use it’s official name), and there’s something about people who don’t really need to save a few pence buying something they don’t really want or need that doesn’t sit too well with me. I don’t judge generally, but some of the pricks i see elbowing folk out of the way at Tesco or the Co-Op live in £400k houses. Anyway, i digress, it not not fun when you put your yellow sticker prejudices to one side and embrace it a bit. Okay, cya.