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    • Frugaldom
    • By Frugaldom 28th Dec 16, 4:54 PM
    • 5,829Posts
    • 50,051Thanks
    Frugaldom
    2017 Frugal Living Challenge
    • #1
    • 28th Dec 16, 4:54 PM
    2017 Frugal Living Challenge 28th Dec 16 at 4:54 PM
    Join us here for year 10 of the Frugaldom challenge on MSE

    The Frugal Living Challenge 2017

    It's that time of year again, the time when we all need to start thinking ahead into the new year and how we are going to tackle any debts, generate extra income and squirrel away some savings.

    Please take the time to read this post in full and check out the HANDY LINKS section. If you have any questions, feel free to message me.

    This is an adaptation of the NYK/Frugaldom 'Living on £4,000 for a Year' challenge. It has been running here on MSE for several years, although these particular money challenges began back in the 90's, elsewhere. We have seen many changes over the years, so this version is a catalogue of diaries charting the progress of 'debt free wannabe' money savers.

    Your budget is personal to you, it should fit with your personal financial situation.

    Some have already achieved their debt free status and now follow frugal lifestyles in order to stay debt free. Others are still tackling their debts and living a frugal life in an attempt to teach their debt-free and/or mortgage-free day. Whichever stage you are at, feel free to join us and share your journey.

    The following links will take you to previous MSE versions of this challenge:

    The 2016 Challenge

    The 2015 Challenge

    The 2014 Challenge

    The 2013 Challenge

    The 2012 Challenge

    Part 1 - January to March 2011
    Part 2 - April to June 2011
    Part 3 - July to December 2011

    Introduction to the 2010 Challenge
    Part 1 - January to March 2010
    Part 2 - April to June 2010
    Part 3 - July to September 2010
    Part 4 - October to December 2010

    Part 1 - January to March 2009
    Part 2 - April to June 2009
    Part 3 - July to September 2009
    Part 4 - October to December 2009

    Part 1 - January to March 2008
    Part 2 - April to June 2008
    Part 3 - July to September 2008
    Part 4 - October to December 2008


    IMPORTANT
    Please respect others' lifestyles and beliefs. We are not here to judge, we are here to support. Thank you

    This challenge is about living a frugal lifestyle - establishing your true cost of living, sticking to your budget, clearing any debts and making savings wherever and however you can to enable you to live the life you really want.

    Frugal living isn't for everyone, but everyone is welcome to join us. Methods employed by our merry band of frugalers include batch cooking, stockpiling, preserving, foraging, mending, shopping in charity shops, reducing, reusing, recycling, Local Exchange Trading Schemes (LETS), Vegetable and fruit growing, allotments, keeping hens, using cash back sites and earning whatever it takes to become self sufficient in managing the cost of living without incurring debt.

    For some it is initially about clearing debt, for others it's about increasing savings, buying property, becoming stay at home mums or paying off the mortgage early. Some choose the lifestyle on ethical grounds. Above all, this is a fun and supportive way to manage your budget so you have control of your own cost of living. It's about NEEDS and not WANTS.

    Living on a budget = living within our means.
    Frugal = thrifty, living without waste

    Ideas to help you achieve and/or maintain debt free living
    Recognise the differences between needs from wants

    Spend within your means
    Set a proper budget
    Quit expensive habits
    Houseshare
    Get a lodger
    Shop via cash-back sites and always price compare
    Buy reduced items in stores only if you need them
    Stockpile & bulk buy bargains
    Batch cooking
    Make the most of charity shops
    Join freebie or waste awareness and recycling associations
    LETS trading - become active members of trading & exchange groups
    Bartering
    Grow your own herbs, fruit & veg
    Preserving & winemaking
    Breadmaking & home baking
    Card & gift making
    Order splitting for better discounts & shared postal costs
    Landsharing, allotments & frugal garden systems
    Online trading - auctions, stores, social media pages
    etc, etc, etc...

    Monitoring and revising the budget is part of frugal living plan. Gifts & cards could all to be homemade, livestock needs to pay its own keep, anything else needs to be cash neutral.

    The bits we need to include to make this work
    ====================================

    Please read the MSE forum rules and help us to keep this challenge on track, thank you.
    If you have any questions about this challenge, feel free to PM me.
    The following is taken from the official MSE forum rules section:


    KEEPING THREADS ON-TOPIC

    Please try not to take threads off-topic. This can be confusing for new users and makes it especially difficult for people ... Where requests from Board Guides for threads to be brought back on track have not been followed off-topic posts may be removed. We encourage community, but not thread derailment.

    Please bear in mind the main purpose of the site is to save money. The forum team has therefore been instructed to prioritise its time on the MoneySaving forums.

    KEEPING TOPICS RELEVANT TO THE BOARD

    There are two boards provided for off-topic chat and discussion. The MoneySavers Arms has been set up for fun, more lighter-hearted chat (although do still remember this is a family forum – keep it clean please). Discussion Time is for discussion of current issues (read Martin’s description).

    If you post a topic that does not relate to the board it’s posted on it will be moved to a more relevant MoneySaving board or to Discussion Time/The MoneySavers Arms.
    ===================================

    This challenge is about paying for needs so we can afford to live debt free and save for/afford wants. It runs from 1st January to 31st December. The links will give you an idea of how previous challenges have gone and these will be updated accordingly.

    If you haven’t already, join the forum to reply!
    Last edited by Frugaldom; 28-12-2016 at 5:02 PM. Reason: Updating
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Frugal Living Rocks!
Page 1
    • Frugaldom
    • By Frugaldom 28th Dec 16, 4:56 PM
    • 5,829 Posts
    • 50,051 Thanks
    Frugaldom
    • #2
    • 28th Dec 16, 4:56 PM
    2017 Frugaldom challenge
    • #2
    • 28th Dec 16, 4:56 PM
    Back soon to prepare for 2017's epic year 10 challenge! I hope you'll join us!
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Frugal Living Rocks!
    • Kerry Woman
    • By Kerry Woman 28th Dec 16, 5:07 PM
    • 2,067 Posts
    • 19,577 Thanks
    Kerry Woman
    • #3
    • 28th Dec 16, 5:07 PM
    • #3
    • 28th Dec 16, 5:07 PM
    Definitely going to be doing this in 2017. Going to do the budget in the next few days.
    Frugal Living Challenge 2017
    Mortgage free as of 1st August 2013
    NST December: Debt Destruction December NSD 5/15 Food/household budget £32.55/£150
    • Frugaldom
    • By Frugaldom 28th Dec 16, 5:15 PM
    • 5,829 Posts
    • 50,051 Thanks
    Frugaldom
    • #4
    • 28th Dec 16, 5:15 PM
    • #4
    • 28th Dec 16, 5:15 PM
    No need to submit your username to take part, you are free to come and go as you please, contribute however and whenever you can, pursue your dream (or maintain your realised dream) of debt freedom and for our absolute beginners, welcome to a new way of life.

    Once you have achieved your debt free day, frugal living becomes is a lifestyle choice. My choice was to continue pursuing it and ploughing everything I saved from living this way into making life much more interesting and, hopefully, create an actual Frugaldom experience. Without the virtual support of fellow challengers and actual support of those pursuing a similar lifestyle around me, my journey would probably have ended several years ago, but here I am - still frugaling, still pursuing financial self-sustainability and forever creeping closer to my ultimate goals.

    Thank you to all who have taken part, followed, supported, contributed, helped and even scorned or hindered, for without you all, what has been achieved this far may not have been possible.

    Welcome to another year of Frugaldom - let's get together and make 2017 great.
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Frugal Living Rocks!
    • Captain Bluebear
    • By Captain Bluebear 28th Dec 16, 5:49 PM
    • 194 Posts
    • 689 Thanks
    Captain Bluebear
    • #5
    • 28th Dec 16, 5:49 PM
    • #5
    • 28th Dec 16, 5:49 PM
    Hi there
    I've always loved the look of this challenge but have always stumbled upon it well into a new year. Please may I join you all this year?!

    Thank you!
    Captain Bluebear.
    • parsniphead
    • By parsniphead 28th Dec 16, 6:30 PM
    • 2,244 Posts
    • 14,283 Thanks
    parsniphead
    • #6
    • 28th Dec 16, 6:30 PM
    • #6
    • 28th Dec 16, 6:30 PM
    Hi Frugaldom

    After last years troubles I intend to change things this year. Thank you for the link.

    I use everyd0llar and have done a basic budget for the coming year. I'm just in the process of looking at each month and tweaking it.

    Tomorrow I'm planning a fridge/freezer inventory to see where i can cut back on the first shopping trip of the year in January. I'm planning to make this year a zero waste year for food. Lots more planning needed.

    I also need to look at garden plans. It has been very productive in past years and I need to get back to the same if not better amount of fruit and veg produced. I want to eat as much as possible from the garden. I would also like chickens but this may be a while off. I've been saying that for fourteen years though, perhaps I just need to get the coop sorted by converting one of the three sheds. There isn't much in them to sort so it's not a big job. Oh and I need to replace glass in the greenhouse.

    If I can start bringing in the same amount from my self employment as I do in wages I should be debt free this year and start building a safety nets with the extra.

    I look forward to stealing, I mean taking on board everyone's ideas of how to cut costs.

    Good luck for the coming year.

    P x
    Nothing gets better until you get better.
    • amber03
    • By amber03 28th Dec 16, 6:39 PM
    • 798 Posts
    • 4,716 Thanks
    amber03
    • #7
    • 28th Dec 16, 6:39 PM
    • #7
    • 28th Dec 16, 6:39 PM
    Definitely doing this this year. More determined not to waste money, to enjoy the simple things in life that don't cost a fortune. Enjoy reading fellow frugal followers ideas and tips.xx
    Debtfree and and staying that way.
    £1000 Emergency fund No.112 £310
    • Merle
    • By Merle 28th Dec 16, 7:22 PM
    • 17 Posts
    • 250 Thanks
    Merle
    • #8
    • 28th Dec 16, 7:22 PM
    • #8
    • 28th Dec 16, 7:22 PM
    Hi Everyone
    I'm definitely in for 2017.
    Thanks parsniphead
    'Tomorrow I'm planning a fridge/freezer inventory to see where i can cut back on the first shopping trip of the year in January. I'm planning to make this year a zero waste year for food'.
    You've inspired me to do the same. I will have a look in my fridge and freezer tonight !
    Best wishes for 2017
    • nannygladys
    • By nannygladys 28th Dec 16, 8:07 PM
    • 1,101 Posts
    • 11,797 Thanks
    nannygladys
    • #9
    • 28th Dec 16, 8:07 PM
    • #9
    • 28th Dec 16, 8:07 PM
    Hi everyone

    Been following for a couple of years, but although I have plenty of good intentions I always fall back into old ways and I could definitely do better.

    I now have an allotment so I grew loads of veggies this year and I do try to follow the frugal way but I do need to organize time and food better, so here's to a new year's challenge and much better organization.

    Nannyg
    Mortgage free and debt free at last, but still frugal as retired. Time to enjoy life on a state pension!!!
    • Allotrope
    • By Allotrope 28th Dec 16, 8:19 PM
    • 155 Posts
    • 404 Thanks
    Allotrope
    I'd love to sign up to a frugal year! Not done this before but need lots of tips to keep me debt free!

    I made a start today by switching internet provider and cutting the bill by £10 a month (as well as doubling the speed...)

    I also plan to review my energy provider, reduce waste, sell on eBay and do Swagbucks / surveys online to help!

    I'm starting with "no frills January" - limiting myself to essential spending only in the first 31 days of the year, and will go from there.
    • haybel19
    • By haybel19 28th Dec 16, 9:04 PM
    • 1,219 Posts
    • 7,892 Thanks
    haybel19
    I would like to join in too if you will have me... I have realised that we are letting water trickle through our fingers like water and whilst we only have a mortgage and no other debt- we could certainly be using money much more wisely - allowing us a few little niceties and a healthy level of savings which we don't currently have.

    I did start growing some of my own vegs in pots last year- our garden is medium sized but with a young child and a dog the lawn is required for play- and as I have rheumatoid arthritis digging is out of the question therefore growing in lots of planters and troughs seemed a good solution... keen to make the most of what I can grown using fresh, drying and preserving, making jams chutneys etc. So definitely going to be growing again- really enjoy it.

    Keen to learn lots of other ways to be less wasteful and make the best use of what we have.
    Make £10 a day challenge November £125.60/310
    December 100.30/310
    • ramblehan
    • By ramblehan 28th Dec 16, 9:24 PM
    • 400 Posts
    • 924 Thanks
    ramblehan
    I'm in! our debt situation is ridiculous and currently getting worse not better for various reasons (including a house move, and finishing the one we are in to sell) Looking forward to being inspired!

    I've been saying I will do a freezer inventory for ages, but haven't - so tomorrow is also the day - pretty essential given we are moving in 4 weeks and freezer needs to be empty!
    • wit40iwtwan
    • By wit40iwtwan 28th Dec 16, 9:30 PM
    • 356 Posts
    • 3,205 Thanks
    wit40iwtwan
    Yes please... I'd like to join!
    • hickles69
    • By hickles69 28th Dec 16, 9:57 PM
    • 752 Posts
    • 4,407 Thanks
    hickles69
    visited my mum at Christmas she bought herself a sealed pot..... she reckons she will save more than me! I have accepted the challenge. she may have to.pot something other than coppers and silver.

    my darling child will receive 10% of my total - he did pot his begging proceeds after all. ha ha

    hope everyone had a lovely Christmas
    SPC#364 - 7-£666.54, 8-£489, 9-£264 10-£376
    SPC 11 - target £200

    Swaggers - 2015/£285, 2016/£270 2017 - target £300 (total so far £355 17/11/2017)
    • Queenofcolouringandtea
    • By Queenofcolouringandtea 28th Dec 16, 10:17 PM
    • 6 Posts
    • 60 Thanks
    Queenofcolouringandtea
    I would love to do this challenge. I think I would like to aim for the original 4000 pounds.

    I shall go off and work out some budgets.

    thank you, very interesting post
    “Being happy doesn’t mean that everything is perfect. it means that you’ve decided to look beyond the imperfections.” – Unknown
    • sugar23
    • By sugar23 28th Dec 16, 10:39 PM
    • 91 Posts
    • 277 Thanks
    sugar23
    I don't have a budget ATM. But I'm following with interest
    Debt free before Xmas 17 #69
    Cc 3500 / 200
    Cat 1040 / 40
    Car 2592 / 217
    Total 7132 / 457 + taxcredits 81.14p/ 30
    • lynnejk
    • By lynnejk 28th Dec 16, 11:53 PM
    • 5,040 Posts
    • 52,414 Thanks
    lynnejk
    Evening folks

    Thanks frugaldom for the new thread for 2017.

    I am definitely here for another year. Haven't done final accounts for the year yet, but hoping to come in on or under budget.

    I shall be going through all the yearly budgets to see where we can 'trim an inch' and adjusting as necessary.

    Good luck everyone and lets hope we can all find ways to be more frugal in the year to come.
    Lx
    £10day..2014=3213..2015=3421..2016=3238..2017=2370....DEC=80.15/310
    GrocC..2014=2162..2015=2083..2016=2181..2017=1800....DEC=89.24/200
    Bulk buy.......DEC=101.44
    GC.NSD....2015=216....2016=213....2017=191....DEC=2/15
    SPC130x60...2014=1178...2015=1287...2016=4616...2017=3843.51
    OS WL= -4/8 ......CC =00......Savings = £10,250
    • Frugaldom
    • By Frugaldom 29th Dec 16, 10:48 AM
    • 5,829 Posts
    • 50,051 Thanks
    Frugaldom
    Welcome to frugaldom
    It's lovely to see so many new names, as well as 'old' ones getting ready for frugal life in 2017.

    Everyone is welcome to join us here, we've been around long enough to know how best to get started, so as usual, PRIORITISE. Calculate that all-important figure and find your absolute bottom line. Get your lists done to include all the essential payments needed for sustaining life itself, list any debt repayments, work-associated costs (travel, clothing, footwear, lunches, coffee breaks, whip-round gifts, vanity products) and as soon as you think you have included everything you spend each year, add on extra (10% is a good starting point) for the things you have overlooked.

    Most important number = expenditure
    Next important number = income

    It's best not to mix these two up as it is far easier to control your own expenditure than it is to quickly and reliably increase your income if the household & lifestyle accounts don't balance.

    Number 1 priority - MAKE IT FUN NO MATTER WHAT!
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Frugal Living Rocks!
    • ramblehan
    • By ramblehan 29th Dec 16, 11:37 AM
    • 400 Posts
    • 924 Thanks
    ramblehan
    Freezer inventory done ;-) enough meat and things to last the month and so much stock!! I will need to buy some veggies and make soups for lunch.

    For those of you that keep an annual budget - how does this help? By heading to an overall end of year target does it help you stay on track better?

    Thanks Ramble
    • parsniphead
    • By parsniphead 29th Dec 16, 1:03 PM
    • 2,244 Posts
    • 14,283 Thanks
    parsniphead
    Freezer inventory done ;-) enough meat and things to last the month and so much stock!! I will need to buy some veggies and make soups for lunch.

    For those of you that keep an annual budget - how does this help? By heading to an overall end of year target does it help you stay on track better?

    Thanks Ramble
    Originally posted by ramblehan
    Ive been out for a walk in the lickey hills this morning so no inventory yet. I'm going to get it done this afternoon while cooking a roast. It would be nice to cover most of January's meals.

    This mornings entertainment was free though except for petrol.
    Nothing gets better until you get better.
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