I actually thought of this last night! And decided to move gas & electric to my variable binder as it’s too much cash to carry round for something I don’t use every single week - I top up every other week
Well done for the no spend days and I love those highlighter pens, don't feel bad about the ice creams your a kind giving mum and you thought of them and it was sweet ☺️
I tried to use trackers and nope couldn't do it.. It was just too fiddly for me. Haha love that you prefer walking. I'm doing the same with the nursery runs etc even though they take us 50mins because I want leftover fuel money😀😂
I’m thinking I’ll ditch them in my weekly soon and will need to move my electric and gas envelope to my variable sinking fund binder as their filling up quicker than I’d realised 🙈. Hahaha yes me too! I mean I enjoy walking anyway so really it’s just encouraging me to do it more, our nursery is only 5min from the house so doesn’t clock up to many steps, so I just go a wander after dropping them in 🤣 gaining pounds in money but losing pounds in weight is my ideal goal xxx
Treats are so expensive now! We went to the chippy the other day and it cost us £26! For 4 of us! Can't believe I've just found your channel, I've subscribed ❤️
Aren’t they?! We would of been about the same if my daughter had been home and we had it delivered instead of collected! Thankfully the portions are huge (well, our local is anyway lol) so our 3 & 4 year old split a supper but I swear it wasn’t long ago all 5 of us could get a chippy, delivered for under £20?! It’s crazy now. Thanks so much for subscribing, I only just found your channel too it’s amaIng!! 😍 x
Another fab video 💖. You are doing so well and those no spends are adding up nicely. I agree regarding the smaller challenges for your change. It means they will be back in your budget/sinking funds/savings much sooner. Xxx
Aww I hate that treats like ice cream and such are getting so expensive 🙁 but I’m sure they enjoyed it !! 💚 you’re doing an amazing job on the no spends 🙌🏽
@@scottishmamabudgets ahhh totally get you - i was wondering if that was the case. Sorry for being nosey! Just off to watch your latest video! Loving them.
@@scottishmamabudgets no not at all! You are doing an amazing job! I love the shops you've recommended and filling my etsy cart as i watch each of your videos!
Hi there fellow Scot here. Just found your video and subscribed it’s such good motivation to watch others saving money
Wow, thank you Debbie 🧡 it feels great to actually be saving now and not just wittering it away xx
Hey SMB, you are doing great with the no spend days 🙌🏾
Thank you Sofiya 🥰 xx
Little tip about the trackers. You can punch holes in them and put them behind or infront of your envelopes.
I actually thought of this last night! And decided to move gas & electric to my variable binder as it’s too much cash to carry round for something I don’t use every single week - I top up every other week
Another amazing video absolutely smashing it! Xxxxx
Thanks so much WB! 🤍 xxx
Doing great with no spend days 👌 Great video again 🥰
🥰🤍
Well done for the no spend days and I love those highlighter pens, don't feel bad about the ice creams your a kind giving mum and you thought of them and it was sweet ☺️
Thank you lovely 🥰 x
I tried to use trackers and nope couldn't do it.. It was just too fiddly for me. Haha love that you prefer walking. I'm doing the same with the nursery runs etc even though they take us 50mins because I want leftover fuel money😀😂
I’m thinking I’ll ditch them in my weekly soon and will need to move my electric and gas envelope to my variable sinking fund binder as their filling up quicker than I’d realised 🙈.
Hahaha yes me too! I mean I enjoy walking anyway so really it’s just encouraging me to do it more, our nursery is only 5min from the house so doesn’t clock up to many steps, so I just go a wander after dropping them in 🤣 gaining pounds in money but losing pounds in weight is my ideal goal xxx
Treats are so expensive now! We went to the chippy the other day and it cost us £26! For 4 of us! Can't believe I've just found your channel, I've subscribed ❤️
Aren’t they?! We would of been about the same if my daughter had been home and we had it delivered instead of collected! Thankfully the portions are huge (well, our local is anyway lol) so our 3 & 4 year old split a supper but I swear it wasn’t long ago all 5 of us could get a chippy, delivered for under £20?! It’s crazy now.
Thanks so much for subscribing, I only just found your channel too it’s amaIng!! 😍 x
Another fab video 💖. You are doing so well and those no spends are adding up nicely. I agree regarding the smaller challenges for your change. It means they will be back in your budget/sinking funds/savings much sooner. Xxx
Thank you ☺️ yeah that’s exactly what I was thinking. I could do all 3, 3 times before I’d complete the original penny challenge! xx
Aww I hate that treats like ice cream and such are getting so expensive 🙁 but I’m sure they enjoyed it !! 💚 you’re doing an amazing job on the no spends 🙌🏽
It’s crazy now, maybe I’m just old and remember when it was 99p 🤣 thank you 💕 xx
Thanks 🙏 for sharing 💕💕💕💕💕💕
Thank you Fatima 💕
Great video!! You’ve done really well with your no spend days too! Xx
Thank you! It was a struggle still not to spend, but hoping the more it becomes habit the less I’ll think about it x
Awesome check in! I keep meaning to ask - about Groceries as I didn't see that in your envelopes or budget.
We do our groceries online and they get delivered 😊 it debits my partners card from his income so it wouldn’t make sense for me to note it down
@@scottishmamabudgets ahhh totally get you - i was wondering if that was the case. Sorry for being nosey! Just off to watch your latest video! Loving them.
No not at all, I think I only mentioned it in my first check in once so it was my mistake not mentioning it again x
@@scottishmamabudgets no not at all! You are doing an amazing job! I love the shops you've recommended and filling my etsy cart as i watch each of your videos!