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Graham88

Member

Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline

2nd Apr 10 at 17:04

Some hardcore savers in here. Do you actually go out of the house?

[Edited on 03-04-2010 by Graham88]

Daniel_Corsa

Premium Member

Registered: 21st Apr 04
Location: Wigton, Cumbria
User status: Offline

2nd Apr 10 at 20:16

Puts my savings to shame but started in Jan, have £2,500 saved up but have other accounts also, money from sale of TT then GF's savings.

Aiming for £15,000 - £20,000

April '06' Corsasport Feature Car

| Aug '08' Total Vauxhall Feature Car

| Spring '09' Fast Car Feature Car

Member

Registered: 20th May 02
Location: Kent
User status: Offline

3rd Apr 10 at 14:43

Fuck knows how anyone manages it just through wages ? im dont hav alot of outgoings but doubt ive even spent 38k over the last 5 years apart from my normal petrol/phone bills etc, let alone saved it

Graham88

Member

Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline

3rd Apr 10 at 14:53

I save money but I'm still living life and going out and enjoying myself. I'm all for preparing yourself for the life ahead but find a limit

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

3rd Apr 10 at 15:42

quote:
Originally posted by jr
Fuck knows how anyone manages it just through wages ? im dont hav alot of outgoings but doubt ive even spent 38k over the last 5 years apart from my normal petrol/phone bills etc, let alone saved it

you'd be suprised mate.

i used to spend shit loads on the car and other gadgets i didn't really need.

soon works out a lot once you start adding up all the takeaways and petrol etc

Member

Registered: 20th May 02
Location: Kent
User status: Offline

3rd Apr 10 at 16:40

in my serious working life (ie not bluewater) there is honestly no way i have spent 38k outside petrol/phone bills etc

x14xe sport

Member

Registered: 27th Apr 09
User status: Offline

3rd Apr 10 at 19:36

saved £0
in debt 10k from starting up my own business, aimimg to get that payed off by end of yr

AndyKent

Member

Registered: 3rd Sep 05
User status: Offline

3rd Apr 10 at 19:54

quote:
Originally posted by jr
in my serious working life (ie not bluewater) there is honestly no way i have spent 38k outside petrol/phone bills etc

You must have done, else it would be in the bank?

I don't find it that difficult to save any more tbh. Used to just keep withdrawing cash every couple of days and then find it had gone. Stuff like buying lunch every day cost a fortune - £5 a day is a hundred a month and you've got nothing to show for it.

I now just think through what I'm buying - still do most of the stuff I used to entertainment wise (going out, cinema, football etc.) but just limit it to a sensible level. Thats not being boring its just facing the reality that I'd rather move out than be at home

Member

Registered: 20th May 02
Location: Kent
User status: Offline

3rd Apr 10 at 20:05

i dont, apart from unavoildable bills and general running of life, ie petrol as mentioned, phone, and maybe gym stuff i really dont think ive had 38k to use or decide to send or save

Andrew

Member

Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline

3rd Apr 10 at 21:33

When i was earning 17k i managed to save 6k in around 12 months. I never went out and ate beans on toast all week. Bear in mind i had my own gaff at this point as well. In which to save money again i'm going to have to do the same...

Time for a career change i'm thinking

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

3rd Apr 10 at 21:58

when i got the focus i thought i had loads to spare as i'm on 34k + overtime and had hardly any outgoings.

it soon all adds up.

£414 month finance
£14 gap ins.
£185 car ins (first year)
£100 each tyre, had to buy 2 every 6k miles.
£50 petrol every week
£220 tax

and other bits and bobs. soon adds up.

you really do realise how much you're spending when you write it all down and it's rather scary indeed.

always used to have takeaways and go cinema every week etc.

Colin

Member

Registered: 4th Apr 02
User status: Offline

3rd Apr 10 at 22:28

When I sold my flat me & Jade managed to save £1500 a month between us to put towards the house.

Now this was more a matter of 'had to' than 'could do'.....as we had a 30k deposit to pay in 6 months time & were 8k short!!

If you stick £xxx of your salary into an account the day you get paid, you soon adjust on how to get by on what you have left!!

It also makes for great practice once the house finally comes!!

Dione J

Member

Registered: 22nd Sep 04
Location: West Midlands Drives: Leon Cupra Turbo
User status: Offline

3rd Apr 10 at 23:14

agreed with Colins statement!

Graham88

Member

Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline

4th Apr 10 at 02:19

I put £500 aside the day after I get paid as you mentioned, and I never spend all my wages so put the leftovers into my account where all my bills come out of, then once I have lots in that I move some of it into my savings. Working quite well for me so far but I had a few big purchases last year so the savings took a big hit so trying to have enough 'spare' money in my bills account for those 'just incase' moments instead of going into the savings account.

I agree it's getting easier to save though, don't really have many big purchases to buy anymore just gotta pay for the upkeep on my vehicles

dannymccann

Member

Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline

4th Apr 10 at 06:48

We were going to buy next year with £10k cash + £3k saved for fees, but we bought a new build in March because they paid stamp duty and interest free loan to up our deposit to 25% meaning we got 4.89% fixed on 2 years = £495 a month mortgage, and with a newbuild the only expenses in the first few years are painting. We are on £31k gross JOINT, not like you southerners

But then we have a sensible car, dont go out much (through choice not through limitations) and already had all our furniture etc from renting non-furnished together for a year and a half

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

4th Apr 10 at 12:50

god damn northeners get under paid shite loads. you are being taken advantage of, like indians/asians

deano87

Member

Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline

4th Apr 10 at 14:42

quote:
Originally posted by Ben G
god damn northeners get under paid shite loads. you are being taken advantage of, like indians/asians

No - just people in Unions get paid ridiculous amounts of money.

Me and the Mrs joint gross income would be under danny's. We live down south...

Andrew

Member

Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline

4th Apr 10 at 15:20

quote:
Originally posted by Ben G
god damn northeners get under paid shite loads. you are being taken advantage of, like indians/asians

mattk

Member

Registered: 27th Feb 06
Location: St. Helens
User status: Offline

4th Apr 10 at 17:19

I was on between £450 - £800 a week in the job Ive just been finished from

my outgoings are roughly

per week:
Deisel £60
Beer£90
Keep £50
Food £20

per month:
Phone £40
Gym £27

I do go on lots of holidays though and weekends away

I used to aim to save around £300 a week

have a tidy deposit for a house now, but finding it too hard to get a steady reliable and secure job thats going to last more than 6 months, just my luck Il find a propper job just as the prices shoot back up

stuartmitchell

Member

Registered: 24th Apr 04
Location: Kirkliston, Edinburgh
User status: Offline

4th Apr 10 at 19:03

Colin, thats exactly what I do bud, put X amount away as soon as I get paid then live off the balance nad make it work. Also have 2 jobs though so I suppose that helps too lol!

Colin

Member

Registered: 4th Apr 02
User status: Offline

4th Apr 10 at 19:04

£90 a week on beer.....you need to have a word with yourself!!

Colin

Member

Registered: 4th Apr 02
User status: Offline

4th Apr 10 at 19:05

quote:
Originally posted by stuartmitchell
Colin, thats exactly what I do bud, put X amount away as soon as I get paid then live off the balance nad make it work. Also have 2 jobs though so I suppose that helps too lol!

Its the best way...out of sight out of mind!!

stuartmitchell

Member

Registered: 24th Apr 04
Location: Kirkliston, Edinburgh
User status: Offline

4th Apr 10 at 19:14

Defo!!

Nath

Member

Registered: 3rd Apr 02
Location: MK
User status: Offline

4th Apr 10 at 20:41

quote:
Originally posted by Colin
£90 a week on beer.....you need to have a word with yourself!!

That is some fucking effort.

Ojc

Member

Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline

4th Apr 10 at 20:55

quote:
Originally posted by jr
Fuck knows how anyone manages it just through wages ? im dont hav alot of outgoings but doubt ive even spent 38k over the last 5 years apart from my normal petrol/phone bills etc, let alone saved it

That is exactly what I was thinking, THE FUCK?

How in the name of god? It took me and Rach a year to save 10k and we aren't on bad money.

You lot must be serious hermits, ok having will power to save money is a must but even so 38k 23k 20k etc etc over what period of time are we talking about? Since birth?