RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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I'm always saving; hate spending unnecessarily - ie buying clothes/somehting I don't really need. I've never had a loan, not even from the bank of Mum and Dad and I own 2 cars, a trials bike and 3 boats as well as paying the mortgage on our own place.
I'm saving for a new road bike at the moment and would never dream of getting a loan/finance for it as to me its a luxury not a necessity.
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Half Pint
Member
Registered: 25th Mar 02
User status: Offline
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i have become more of a saver than spender of late and try to put a certain amount away each month for the 'rainy day'
but i guess there becomes a fine line as to when you've stopped living to become a saver....
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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I try to save £700 a month but it's tough as my commuting costs are £400 a month, then there's rent and other bills on top of that.
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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Spending on clothes is what stops me saving more - I think I must spend upwards of £400 a month on new stuff.
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Tomnova16
Premium Member
Registered: 21st Jan 06
Location: Gerrards Cross Drives: Porsche 911
User status: Offline
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always sent £150 into my savings for quite a few years now and at the end of the month anything left in my current account goes into the savings account, i sometimes raid it from time to time for holidays and things though. putting away alot more now though as am saving for a house
http://www.lemass.co.uk/ for all your automotive/bodyshop needs
Located in Chalfont st Peter
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liamC
Member
Registered: 28th Feb 04
User status: Offline
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I am most certainly a saver now I have the opportunity to. I maintain an excel spreadsheet which, once I put in how much I get per month, I make a note of what expenses go out per month, what I buy, etc, and it calculates how much I've saved, how much in total is in the bank, etc... bit like a human business 
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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I do the same with our house account - I run a spreadsheet showing all income/outgoings broken down to source and date so I know when and where the moeny has been spent - every receipt gets entered and there's a breakdown of amounts spent in each shop etc.
It's actually quite a sad life I lead 
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J da Silva
Member
Registered: 10th Apr 03
Location: The FACTory
User status: Offline
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quote:
Originally posted by LiVe LeE
I do the same with our house account - I run a spreadsheet showing all income/outgoings broken down to source and date so I know when and where the moeny has been spent - every receipt gets entered and there's a breakdown of amounts spent in each shop etc.
It's actually quite a sad life I lead
I'd sooner have your life than spend it on shit/good cars and then say "Live to the full", then 5 minutes later whinge because you're skint.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by John G
wtf do you all do for a living to be able to save so much! Ben 1k!! i dont even earn that! i thought i was doin wel at just hittin the 10k mark and thats with inheritance!
ford shift work pays extremely well mate
i don't go out clubbing any more like i used to back when i was in my teens so save loads from that.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by LiVe LeE
I do the same with our house account - I run a spreadsheet showing all income/outgoings broken down to source and date so I know when and where the moeny has been spent - every receipt gets entered and there's a breakdown of amounts spent in each shop etc.
It's actually quite a sad life I lead
good way of keeping on top of your money that. not silly at all. very smart actually. 
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jr
Member
Registered: 20th May 02
Location: Kent
User status: Offline
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dont really save anything but pointless saving for a house when i have the car to finish which i WONT be selling to finance said house purchase
got a few k saved for a house, and a few k saved for the paint work on the corsa
add to it a little bit here and there
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J da Silva
Member
Registered: 10th Apr 03
Location: The FACTory
User status: Offline
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I don't really have a set amount in my mind what I'll be saving, just whatever is spare really.
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a_j_mair
Member
Registered: 23rd Jan 04
Location: Scotland
User status: Offline
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i put away a wee bit every week
is hard trying to pay off old debt and live with a girlfriend and daughter
nice to have some savings all be it none at the moment
How people can spend £400/month on clothes is beyond me
cosmo you are either full of shit, have a huge wardrobe or have to much disposable income
I do work on 4 weekly so means i get a wage free a couple months a year but aleays seems to just disapear
[Edited on 02-02-2010 by a_j_mair]
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a_j_mair
Member
Registered: 23rd Jan 04
Location: Scotland
User status: Offline
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i have a direct debit every week
most to bills account, small bit to savings and the change that is left is mine ofr the pub
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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I'm on 4 weekly too and it's worked well the past couple of years as it's been in December so works nicely getting paid beginning and the end of the month
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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quote:
Originally posted by a_j_mair
i have a direct debit every week
most to bills account, small bit to savings and the change that is left is mine ofr the pub
We sort of do this, I earn 15k she earns 15.5k, which is 2k net every month.
Of that £600 each goes straight to the joint account to pay for bills (cos we share a car we joint pay for that too, including diesel), leaving us £300 each ish disposable, atm mine is clearing credit card / student overdraft debts, but once im back in the black after bills whatever is left in the account will be going in the ISA
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