Receipts

When we shop we might never acknowledge the importance of receipts with our purchases. We know they are a proof of what we have bought, also great for return and exchanges. Another good thing about them is that we can decide up to 30 days (90 days with some stores) whether we have changed our minds to whether keep the goods or not. For food, such as eating out, receipts are great to also show proof that a payment has gone through if we have made a card payment.

Well, now that I feel that I have emphasised about the importance of receipts, I've noticed how quick of a pile I get from them in my room or in my purse. 

If you are one to bin your receipts, try not to get too comfortable on binning them too quickly, for example if you are one to have two or more cards, its a great way to see which card you have made a payment with. On the other hand, some payments made via cards do not automatically show on your bank statements or if you were to directly check them on your phone or at a cash machine (this can usually take up to 3-5 working days till it appears) and then you'll still think you have money. 

The importance of knowing where you have used your card is vital. Couple months back, I was updating my spending to realise a random outgoing transaction (roughly £1.85) I know it was not a lot but it had appeared twice with no information of what type of transaction it was. With this information I managed to call my bank and ask, they explained that sometimes a small amount would go out and be sent back in my account. (Sounded like it was a regular thing). So this red alert made me really aware... so yeah, be cautious. It is your bank account with your details after all. How would you have felt if £100+ went out your account with realisation? 

Next Step; 

So back on the subject of receipts, I've decided to drop them all on Excel. I've divided my receipts into monthly categories. The categories which I've named are: food, clothing, food shopping, travel, eating out and other expenses.

This well help me to neatly and easily review how much I have spent and how much I could have potentially save.

Pennies found

This post will be short and sweet!
Last week I randomly explained to my friend about the pennies I found (£1.29p - in one week) and when I mean found, I mean the pennies which I find on the street or lying around, she laughed and it gave me the courage to explain to her the reason behind it and I'm pretty sure you'll want to find out too!


I didn't want to brag about it but I thought I'll share my point on it. Based on the last post, now that I have bags of coins this helps me to build my pennies into pounds. I've gained to value pennies more now that I value the fact that it accumulates in my penny jar. Seriously... try it. Try and see how many pennies you can find a day for a week!

Try this for a whole month and see how much it comes up to...

Keep your pennies!

In one of my latest posts I've expressed very small on how your pennies can make a huge difference.

Yes they can! 

When I was little my parents faintly told me about saving. So... I did, saved my pennies in a sock and that's the very least I could remember.  

But let me tell you...Saving your pennies become the golden outcome to your finance. Believe me.

From my experience, I saved pennies with no care (until today). I've seen great fruits from this. Since realising and giving up my time to count that bag abundantly full of pennies, it became a joy to see the sums adding up into fuller pounds.

You might think saving your loose change is slow and has no value, but trust me... It is worth every penny. Have you ever been at a counter when you needed that extra 2pence which you thought didn't have any value to its name because it was bronze in colour? Well next time keep it safe as it will have a greater value before you know it.

Its very easy to find change in your pocket, what I do at the end of the day is directly pour them in my money jar. For a boost, those little coins I've been saving have already reached over £60+.

Saving your pennies, may not seem like a big deal but I will explain the golden rules which I've learnt from this experience.
- You become very disciplined, you know that once you save your pennies/coins they will add up
- You understand the value of "small"
- Better to start small and see it gradually build rather letting go of the small things and see nothing grow
- Incase of an emergency you'll know where to go.

So for next time that 5p that's laying around - find a home for it :) Moving forward, you can get money bags from your bank, bag those pennies to make a whole sum and keep them save in your bank account.

Easy!