John G
Member
Registered: 18th Jul 05
Location: Wirral, Merseyside
User status: Offline
|
Iv just had a mini lecture off my dad as he seems to think i dont save much 
I mean i bring home under 1k a month but i dont have that many outgoings, ie gym, phone and car insurance and house keep, Just dont know where the rest goes
I dont want figures as thats your own buisiness but in comparison to your wage do you think you save well?
God dam dads put me on a proper downer bout it
|
Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
|
I save too much tbh. But....it'll all come to good use some time soon 
I put away about 80% or my wage once my bills are done 
I do have a life too BTW 
Edit - to be fair, i put it down to my up bringing. My parents have always been very careful with money and taught me well in the process.
[Edited on 04-05-2008 by Aaron]
|
Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
|
I have savings from when I used to be able to afford to transfer money in to my savings accounts. At the moment I don't tend to save. Some months I manage to spend very little though which helps me to not end up short at the end of the month.
|
AK
Member
Registered: 5th Jul 00
Location: Aberdeen City
User status: Offline
|
at the moment i save bugger all :/ and that is scary
260k mortgage
150k mortgage
part share of another property
paying both mortgages, and all bills etc
|
Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
|
AK, you could look at your properties as "savings accounts" though 
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
I usually try to max out my yearly Isa quota but apart from that nothing else at the minute, thinking a 2nd property is going to be the way to go.
|
JM Curdy
Member
Registered: 20th Jan 05
Location: Stranraer, Scotland
User status: Offline
|
make just over 1k, dont save a penny wish i could, dont even have that much outgoings could easily see by on 500quid just blow the rest on drink
|
mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
|
Ive started putting £200 a week away for my summer holiday, I live mostly off my scrap money now, scrap money is class
|
John G
Member
Registered: 18th Jul 05
Location: Wirral, Merseyside
User status: Offline
|
quote:
Originally posted by mattk
Ive started putting £200 a week away for my summer holiday, I live mostly off my scrap money now, scrap money is class
200 a week!  i dont even have that a week after iv payed me bills! think im really gonna start thinking what i spend my money on! i dont really go out mon-fri though, and i dont drink ever weekend, really do know where it goes
Aaron, im in the same situation as you as my mum and dad have never owed bar there morgage and even thats paid now, and my sister and her bf save 1k a month between the 2 of them and they have 2 cars an a 130k morgage. So saving is very much emphasised what they talk to me
|
mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
|
Thats only cause im saving for my holiday, that will be for the next 7 - 8 weeks
at the mo I make roughly the same as you but I have exams to pass in 3 weeks and I should then get a 300% pay rise 
I get nearly 100 quid a week just off scrap copper so thats what I live off
|
All Torque
Member
Registered: 17th Nov 05
Location: Milton Keynes Drives: Ford Focus TDCi
User status: Offline
|
Never have less than ~£1200 in my bank account, for a 'rainy day' I guess.
I don't spend much of what I earn and when my missus goes to uni I'll spend even less.
To me its upbringing too, My folks have no debt and no mortgage but they're both blue collar and work hard for what they have I wanna be that way too.
|
Ian W
Member
Registered: 8th Nov 03
Location: Wirral, Merseyside
User status: Offline
|
Sometimes i'll save a few hundred a month, other months not a penny, currently saving for my own place so trying to watch what I spend but things all ways come up that I need to spend money on
|
mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
|
quote:
Originally posted by All Torque
when my missus goes to uni I'll spend even less.
I always spend shit loads more when my g/f is home
|
Phi
Member
Registered: 8th Jan 07
Location: South
User status: Offline
|
Im rubbish at saving !
but i like to see what i have spent my money on though!!.. ive sacrificed no clothes shopping to fund my car!!!!
I need to get to a point and stop buying stuff for my car so i can save for a deposit on a house in the year 2050 - at this rate
|
All Torque
Member
Registered: 17th Nov 05
Location: Milton Keynes Drives: Ford Focus TDCi
User status: Offline
|
quote:
Originally posted by mattk
quote:
Originally posted by All Torque
when my missus goes to uni I'll spend even less.
I always spend shit loads more when my g/f is home
Actually I think I'll spend the money I would spend on her on my car instead 
|
bigdan
Member
Registered: 4th Jan 07
Location: Jarrow (Newcastle)
User status: Offline
|
yeah i dont buy anything i dont really need
|
kz
Member
Registered: 9th Aug 02
Location: Southend, Essex Drives: Mini Cooper S
User status: Offline
|
i take home just over a grand...
put £100 away straight away. depending on how the month goes ill have anywhere between £50-400 left. usually on the smaller amount though!
|
mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
|
Id hate to get paid montly
|
All Torque
Member
Registered: 17th Nov 05
Location: Milton Keynes Drives: Ford Focus TDCi
User status: Offline
|
Oh shit, I have more savings in my ISA Gonna get that full SS sysytem now and some coilys
|
mattk
Member
Registered: 27th Feb 06
Location: St. Helens
User status: Offline
|
your minted!
Beer is on Pete at PVS
|
All Torque
Member
Registered: 17th Nov 05
Location: Milton Keynes Drives: Ford Focus TDCi
User status: Offline
|
Not minted, although I may be when I pull my finger out and ebay the junk under my bed.
|
John G
Member
Registered: 18th Jul 05
Location: Wirral, Merseyside
User status: Offline
|
im thinking i set up a direct debit to my savings of say 150 so it goes out with my other bills on the 1st, and if i have more left over at end of month ill put that away
|
All Torque
Member
Registered: 17th Nov 05
Location: Milton Keynes Drives: Ford Focus TDCi
User status: Offline
|
Do it John, eventually you forget about it and then the money is just building up with decent interest and then before you know it its like a tax-free 13th payday
|
Andrew
Member
Registered: 5th May 04
Location: Skoda Octavia Estate, Ford Puma
User status: Offline
|
I'm actually using my savings to live at the minute. Just not getting paid enough
|
John G
Member
Registered: 18th Jul 05
Location: Wirral, Merseyside
User status: Offline
|
iv only got 700 savings from last 8 months of trying, i think thats crap, although i did havea month where i had to spend 500 on the car.
|
