Live on £4000 for a year - Part 3

shaz_mum_of__2

Hi everyone

saw a timber house a few pages back we would love one

check this site out

http://www.minihomes.co.uk/index.php?option=com_frontpage&Itemid=1


caravans but not as you know em

i like this but too small for our family



oh i wish we could buy a couple acres of land

Shaz

whowants2brich

It's useless but it's all I can come up with (and you should've seen my previous attempts )

When
Happiness
Occurs,
We
All
Need
To
Smile
Thoughtfully,
Before
Returning
Into
Chaotic
Hell

Frugaldom

wendywitch wrote: »

Differently a NSD for me, some b******d has cloned my bank card and stolen all my money . . . again! :eek: :mad:

Your bank should replace the money fairly quickly, make sure you report the crime to the police and get an incident number, make sure your bank is aware that you want it recorded as a fraud and try your best to remember all the places you have used your card. Could you also check your bank details for unauthorised direct debits, just in case it's a similar situation to what happened to us last month? The money was removed from mine by debit straight from bank, no card details required. :mad: Fortunately, bank refunded the money within a few hours of my alerting them, the police and the relevant fraud departments but it's no guarantee they won't try same thing again. Money doesn't even seem to be safe in the bank any more!

WWTBR - Excellent!

Shaz - nice chalets and well worth thinking about if there's no planning permission needed. Now, if I owned a small house with a big garden, DS could sleep in the [strike]shed[/strike] garden house.......... hmm.... moves off to look out the window at the garden shed...:rotfl:

bails

Well done WWTBR!
Like some of those houses Shaz, no land though... My 'sis in law' bought a plot of land for £500 last year, if only eh?!

Okay, so as you've probably noticed my sig hasn't changed for AGES I have kept records for most of that time but there are some hazy patches and cant swear I've got everything down, sigh. So I'm thinking, rather than give myself massive brainache trying to rectify the impossible, I might just use the figures I've got for the first 4 months and the ones for the last 5months of the year, giving me 9 months in total and then add on a quarter to give me the yearly figure. Not exactly ideal but I figure the 3 months I've missed are possibly the cheapest 3, and at least I'll have a ballpark figure to undercut next year, rather than giving up. I also need to have a thorough look back at the whole year as I've been including things that aren't essentials so by the end of the year I can have a true reflection of the cost of each area of my life (cost of living; health; holidays etc). As I've said before I think frugalising is an evolving skill and Rome wasn't built in a day. I've made a great start this year and I can continue to build on that next year, knowing what MS tasks are most cost-effective for me, both financially and energywise, and focus on them. For example, if I could find a doctor willing to prescribe some of my meds, that would be far better for me than playing free bingo *shudders*
With all that in mind, and now that we're not able to go away this weekend, I might dedicate tomorrow to reviewing my spending diary and MS strategies (the clothes will still get done Marru ).

slowlyfading

bails wrote: »

Ha ha, loving the anagrams! Still waiting for Slowlyfading and Whowantstoberich...:rotfl:

I'm rubbish at things like this! Care to think of one for me? lol

Frugaldom

What with my own (and 11 others I know of, to date) having had unauthorised funds debited from our accounts plus Wendywitch's current money crisis, I can't help but wonder how safe money really is whilst in the bank. I now have different accounts for everything and only one that gets used for bills, but even that one isn't 100% protected because it has a Visa debit card attached to it. It's becoming clearer and clearer that we aren't safe carrying all our eggs in one basket and yet when we DO have savings, the banks expect us to be happy accepting some ridiculous £6 per £100 per year for GIVING THEM OUR MONEY! That's like being paid 50p per month (per £100) NOT to spend it but to let them do as they please with it, even if they are millions in debt. It just doesn't make sense. I guess that's why I started the mini interest beater challenge for my tax free savings but even those savings have to live in a bank, so there's no way round about it! :rotfl:

Maybe my giant pink papier mache piggy bank parked outside the door is a better idea than I previously thought! Did I tell you that I got those extra large balloons? My guess is that they'll hold about £1000 each if I can make the papier mache strong enough to withstand the weight of all that spare change. :rotfl:

But where would my money be safest? Wouldn't it be great to have several thousand pounds spare to park £1000 in each of several different places and find out what attracted the most interest? I already followed another year long challenge for similar last year but not on that scale... got me wondering, though. Everyone is doing their best to eat healthily, stay within budget and get their 5-a-day by growing veggies. Perhap I should invest in the stock market - fresh orange juice producers and toilet roll manufacturers, here I come. :rotfl:

bails

Spending lots of wonga loses your faculties and deems intelligence not great...

wendywitch

nykmedia wrote: »

Your bank should replace the money fairly quickly, make sure you report the crime to the police and get an incident number, make sure your bank is aware that you want it recorded as a fraud and try your best to remember all the places you have used your card. Could you also check your bank details for unauthorised direct debits, just in case it's a similar situation to what happened to us last month? The money was removed from mine by debit straight from bank, no card details required. :mad: Fortunately, bank refunded the money within a few hours of my alerting them, the police and the relevant fraud departments but it's no guarantee they won't try same thing again. Money doesn't even seem to be safe in the bank any more!

Woman on help line said no need to tell the police. She said I should get the money back quite quickly, DD1's friend's mum had it done to her the other week and was told 4 weeks 'til she gets hers back. I'll check the Direct Debits when I go to my branch tomorrow.

slowlyfading

bails wrote: »

Spending lots of wonga loses your faculties and deems intelligence not great...

Lol thanks! :rotfl:

whowants2brich

s l o w l y f a d i n g
special
life
occasions
will
leave
you
forgetting
all,
despite
infrequent
nice
gestures