Saving, saving, saving

WeeScotchLass

Mouseketeer
Joined
Sep 11, 2010
Messages
163
Hi all,

I have finally come to the conclusion that without a (major) dose of pixie dust pixiedust: I just won't be able to make it across the pond this year...so let the saving commence for next year! I have done a bit of research and come up with a rough figure I think I will need...

Now I'm a terrible saver, things just happen to jump into my shopping basket :rolleyes1, so I was thinking of making a wee chart type thing to put up around the house to help me keep track of how I'm doing and keep my resolve. So I was wondering if any of the lovely Dis-ers had made anything similar to give me a couple of ideas? As always, the Disney-er the better!!! :goodvibes
 
Im useless at saving too. :)
Im determined to get to Florida in 2014, I dont get much money and my husband pretty much pays for the holidays but thinks we're going to end up short for 2014.
So im trying to save the difference. Ive got a money tin, im putting in the odd bits of change from my purse.
Im terrible at doing as you do- just go shopping without a list and instead of going in for the basics, I end up buying a trolley load.
To start with Ive written lists of what I have in my freezers, it helps me buying way too much food.
when Im short of money I imagine the food in my cupboards as money.

when you go shopping write lists-im useless at doing that.
plan your meals in advance, youll know what to buy. rather than buying on the spot things that tept you-theyre probably loads more expensive.

my husband love doing lots of excel charts for saving money.
you could probably break it down a bit.
I know one of my facebook friends saves like crazy-she then says she has enough to buy tickets, flights, hotel, extras etc.

I bet others have loads of fab ideas. :goodvibes
 
we are saving for 2015!!! hopefully DH will be working in Sept once DD starts school (he has been a full time dad) and then the small florida savings account will hopefully start to add up, we've got 1,500 quid so far :cool1: and thats just from bits and bobs and a small bonus from work. didn't think we would be this far ahead if truth be told, so I am well pleased. We don't have much expendible income and I do the "sleep on it" theory if I see something I want to buyand the next day I tend to think I can live without, wotever it was I saw to buy.....for a while anyway.
 
This year it's crossed my mind to go down the garden centre, get an outsized bottle of MiracleGro and ask my bank to deposit it into my accounts!
 

I'm having to save for next year too, booked for November 2013 so have accomodation sorted but waiting on flights.

I have a huge money pig ( similar to a terramundi but not as expensive). I make sure I only put silver coins in there, and on a sunday I empty my purse of silver coins into the pig. During the week I'll pop in £1 here and there and any unexpected money (birthday/gift/found down the bac of the couch) goes stright in there.

I also have a bank account that I don't have a card for, but all my salary gets paid into it, and I have standing orders to take money out into bills accounts and spending accounts. What ever is left in that account just builds up, so I'm hoping that will be my disney money for next year!
 
we have a big chart n the side on the side of the fridge , it has a number scale 0-6,000 on one side with markers on the other side with average flight price per person , disney ticket cost etc, then the kids cut loads pics out of the florida brochures and stuck them on

i like having the average cost of things on the side , we have only just passed £500 but that is one persons flight or all our familys universal tickets , makes it feel like we are closer to been there

i have just had a huge clear out n spent 3 days ebaying i got £335 from that so ar so that will be transfered to the florida fund :)
 
i struggle with saving so what i did was booked a holiday and paid it up over the year which meant i had to pay or i lost the deposit :)
 
Move the money out of your bank account as soon as you get it.
Spend only what you have left.
It's that simple :thumbsup2

Interesting to see different approaches to money. Personally I would never book a holiday without the cash already in the bank to pay for everything, down to the last bag of Cheetos, but I guess I'm a bit fussy like that! I would worry too much otherwise, and that would ruin the whole "looking forward to it" aspect.
 
Move the money out of your bank account as soon as you get it.
Spend only what you have left.
It's that simple :thumbsup2

Interesting to see different approaches to money. Personally I would never book a holiday without the cash already in the bank to pay for everything, down to the last bag of Cheetos, but I guess I'm a bit fussy like that! I would worry too much otherwise, and that would ruin the whole "looking forward to it" aspect.

I've always done it that way Kath. :thumbsup2 This year I booked the trip, paid up front for the flights and was saving away to do the usual - separate account (ISA) and then shift the funds and pay the balance when due. It hasn't worked exactly according to plan thanks to a few very unexpected and big expenses so I am now going to have to pay off some of it when I get back. I tell you what though, I won't do it again,. It totally goes against the grain of how I operate. I like to be saving for the next trip before I leave for my current trip and it's a very daunting feeling, even though by 'normal' standards' it is a very nominal amount, it's just not the way I do things. I won't do it this way again - too stressful :rotfl:
 
Posted this on one of the other threads about saving, i have an excel sheet set up which breaks down the cost per person including spends, food etc, so i know how much i need to save for me and/or family (i.e. an overall total).

I then entered this figure along with my various saving money locations, and then worked out how much i need vs what i've got by using a formula, and, going overboard, broke this down into months and how much is needed this month, with a coloured light system for each month so as i update that month (and add it to the savings totals), it tells me if i put enough away. If not, i recalculate the formula for the remaining months to keep me on track!

finances.jpg


The traffic lights are conditional formatting, red if it's less than the minimum needed (165), amber for above minimum but below ideal (240), green for above:

rules.jpg


:goodvibes

I'm thinking of making a blank generic sheet to post on here set up for this sort of thing along with cost tracking, so it works everything out for you when you give it the basic information, and with some jiggery pokery it can be done to include number of months etc..... Would anyone find it useful (would take a few days to sort out)?
 


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