Every penny counts…

I decided last night that I was going to be taking part in the “Money Savings Challenge” this year.  It sounds relatively easy enough, and from my calculations, I could very easily put away just over £1,300 by the end of the year.

I have made myself a spreadsheet to work by, using Microsoft Excel.  There are several columns, one of which is the date, where I have made a list of the date of every Wednesday throughout 2015 (see picture a little further down).

The name of the game is that you put away £1 in the first week of the year, £2 in the second week, £3 in the third, etc., so you eventually put £52 in the “pot”.

Screenshot 2015-01-03 15.02.17

(Click to make the image larger)

The way I have thought about it, even if I can’t make it right the way through the year, by the time “Donut” appears (due 13 June 2015), I will have saved £300.  That’s already a lot of money.

If I can last right the way through to making a final payment on 23 December 2015, I will have saved £1,378.  Wow!

I did originally think about buying a money box – one of those that you cannot get in to without “breaking” it open (with a tin opener), but I thought that was too easy.  Instead, I have renamed two of my online savings accounts in my bank – One is now entitled “Savings Challenge 2015” and the other is for “Holiday Savings 2015”.  (I’m just going to be throwing whatever I can afford at the time in to the holiday account…)  The only problem I have there is that both of these accounts are easily accessible to me via my online banking, so this will still take some self control.

Here’s to having a bit of “pocket change” to play about with in the next several months 🙂

So how about it?  Will you take on the savings challenge too?

It’s going to be a Frugal year!

Happy New Year!!  May all your wishes for 2015 come true this year 🙂

I don’t usually make resolutions for the New Year.  I’ve made them in the past, and the longest I have ever kept them were for about two weeks…

Anyway, for 2015, I have decided that I am going to try and actually make use of our recycle bins (we have two – just chuck anything that can be recycled in them…  We don’t have to sort and sift), and that I am going to try to reuse / repurpose items that are otherwise just going to be chucked in the bin.

For example, I have just sorted out the Christmas cards that we received for Christmas 2014 (I can no longer say this year!  Ha ha), and I thought, seen as I will need to buy more tags for Christmas presents later in the year, I will make use of the Christmas cards.

With the smaller cards, I cut off just the front…


These will be perfect for any larger gifts that I buy.

The larger cards were easy to sort out.  The fronts of the cards were simply too big, but some of the pictures were just so adorable, so I cut them right down.


Don’t you just love the circular cut out with the robin?

There was one particular card that was large, and it had two pictures on the front.  The first was a tag in itself, and the second was a large robin.  To cut the both out in to one tag would only be suitable for a (super) large present, so I made two out of one.


The other cards were all larger in size, and the pictures were just too big.  There was no way I would be able to break them down.

I used just a straight pair of scissors to cut these cards up, but if you’re more creative, you can use zigzag, or wavy scissors…  Whatever you have in your drawers 🙂

With the above count, I managed to create 14 tags.  That’s probably about £1 that I have saved.  I am going to ask my parents if I can have their cards too.

Granted, a £1 is not a lot, but in the long run, every penny counts!