hi Puddicat.
im not effected by the credit crunch much, i only just moved out (under 2 months) from my parents home to an apartment which is closer to work. i have just paid off my council tax. :'( water bill every month, and electric is PAYG. i am actually coping really well. ive had two pay rises in 6 months. i just buy things i need now such as food and essential things rather than buying things i Want. i also look out for special offers like BOGOF, or half prices, and having a loyaty card to collect points such as Boots and Nectar card really helps! i have about �60 saved onmy boots card and they will not be used until i need to!
i have now started bringing my own food to work rather than buying lunch. ive worked out i save about �20 a week!! shocking hu?? thats enuf to pay for my electricity a month!
i was talking to my work colleage the other day that i have started bringing in my own lunch to work now and i saved quite abiit. and he was like ... cm'on thats �3 or �4 a day ...thats nothing....!! im like .... why would i wanna spend �3-4 where i can make it myself for much cheaper!! and if u work it out .. in a month you would have spent at least �80 on lunch, whereas i would have at least �80 in pocket!!
sillyboy ....hes a snob anyway!!
the tax rebate really helps too, last week when i saw my wage slip my Tax was Nil, and only paid abit of NI. week before that i got about �180 back!!! so i went to spoil meself at the weekend :) i bought meself a new pair of trainers and it was also cheap.... they were �90, but reduced to �18!! gd buy! :) xxxx
also im a really goood saver too. i have two ISA accounts and two other Internet saving accounts and one normal account! lol .. so what ever happens i have them to keep me going.... maybe i shuld retire for couple yrs lol .... nah i save it for a deposit for a house!!!