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​Money Saved? Enough for a Holiday or Time Out

​I work casually and therefore do not have holiday or sick pay.  Every week, when I get paid, I go online and do my banking.  I have been paying $30 extra on my rent each week for a year, with the result that I am now quite a few weeks in advance and I pay at least $5 extra each week on my gas, electricity and phone accounts - which I also pay weekly (having calculated the approximate amount I would need to pay on a weekly basis).  I leave a little over, enough for insurance payments that are direct debited out of my account monthly, transfer as much as I can afford to my savings accounts (which are slowly growing) and what is left, I withdraw for my weekly spending etc.  I am single and make sure that I go out to dinner or a movie at least once a week.  

I don't shop a lot, consequently I rarely impulse buy and I don't often succumb to takeaway food.  I have 3 money boxes in the house, which are rapidly filling with change and will be used at Christmas time for any extra treats that I might want and I am slowly stockpiling as much non-perishable foods and toiletry items as I possibly can - buying them when they're on special.  I use only long-life milk, which is a lot cheaper and freeze most of my vegetables into individual serves as soon as I buy them.  

If I buy clothing, I try to get what is on sale, or I go to opportunity shops (I recently bought a gorgeous pink, near-new handbag for $4).  And I read second-hand books and swap them when I'm finished.

By doing this, I have gradually paid out 3 debts that I had left over from my recent failed marriage.  I am planning to take a small holiday in October and I don't feel panic at the thought that I may get sick or have an accident and not be able to work for a while.

At present I do not own a car and walk to work a lot. I also do not drink or smoke, which is a huge money saver.

I was once absolutely hopeless with money and now have hope for the first time in my life - and most of my motivation comes from the Cheapskates Club - thankyou.

Lee Adamczyk 

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  • Home
  • Join the Club!
    • Twenty Reasons to Join the Cheapskates Club
    • Gift Memberships
  • About Us
    • Cath's Story
    • Ask Cath
    • Glossary of Cheapskating Terms
  • Forum
    • Current Forum Discussions
    • How to Use the Member Forum
  • Inspiration
    • Getting Started
    • Handmade Christmas Central >
      • Handmade Christmas 2025 is about to start
    • 31 Days of MOO Index
    • Articles
    • Back to Basics >
      • Back to Basics
      • Back to Basics Index
    • Housekeeping Routines
    • Budget Renovations
    • Saving Stories
  • SAVING REVOLUTION
    • 2025 Saving Revolution Index
    • Saving Revolution Resources
  • Recipes
    • Recipe File Index
    • Meal Plans
    • Add a Recipe
    • $300 a Month Food Challenge >
      • $300 a Month Food Challenge
      • The $300 a Month Food Challenge Forum
  • Newsletters
    • Newsletters 2025
  • Saving Money
    • Bill Paying System
    • Cheapskates Tip Store
    • Tip Sheets
    • Top Tip Competition
  • Contact
    • Changing Details
    • Help Files