I did exactly the same Graham and saved my first month’s swaps thinking we only had 5 x swaps for the whole of the competition 
I think the penny has dropped now and I have used a couple of swaps this week with 2 x left for Royal Ascot..hope it’s enough and we might possibly get Bonus Swaps next week…hope so.
Good luck next week. Jac. 
Things turn out best for those who make the best of how things turn out...