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Live on £4000 for a Year, 2009 Challenge, part 1

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  • Buffythedebtslayer
    Buffythedebtslayer Posts: 18,924 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    JAMIEDODGER wrote: »
    morning all. have had another rejig of the budget this morning and its shaping up nicely! hoping to create enough income through cashback sites and ebaying to cover the cost of a bigger henhouse in 2009!

    I have put a request for paving slabs on freecycle this morning, i will only need a max of ten for inside and just outside the greenhouse, fingers crossed i will get some kind person who wants rid of some!!!

    my dad bought me some privet for the front garden earlier in the year and I have about 14 large black pots from that which will be just perfect for the tomatoes!!

    inspired by mumoffour's (??) on the greenfingers board growing plans I will be spending some of the xmas holidays happily planning what to grow and where this coming year!!!

    Its all very exciting preparing for the coming years challenge!


    ooo I am doing that too! - using Mum of fours plans well sort of and did you get your black pots from Morrisions? ex cut-flower pots? handy aren't they?

    its all planning here!!
    Nevertheless she persisted.
  • carolbee
    carolbee Posts: 1,808 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi all,

    This is my first budget for 2009- to be continually refined/reduced of course!

    House/contents
    insurance £235
    Internet £180
    Birthdays £150 – plan to make presents/be money neutral on this
    Xmas £150 – as above
    BT/18866 £360 – estimate, both kids live abroad, we use ‘call carriers’ to keep cost down
    Pet food/vet £240 - estimate
    Contact lens £120 – will shop around when I need them next
    Fuel £1600 – based on current DD, annual review due on this April, am keeping weekly note of usage, and will change level of monthly DD so they don’t have the use of our money, thanks Martin
    Food/toiletries £3000 – this must be seriously reduced
    Leisure £600 to include hair cuts
    Anything else £365

    TOTAL £7000


    I plan to go back to keeping a daily record of exactly where each penny goes from 1 January. As insurance, internet provider etc come due for renewal, I plan to shop around for best deal/cashback etc

    Not including: Mortgage, council tax, water bills, car expenses, TV licence, boiler maintenance. Clothing and things like spectacles, large household expenses come out of separate amount budgeted for every month

    As we tend to budget monthly, and some things are estimates, anything we don’t spend (and I don’t intend spending it all) will be swept into a separate savings account in case of need. I find I budget better being ‘given’ a bit more, and being able to shave sums off – each to their own!

    Just ordered loads of veg seeds via our local allotment society, you don’t need to have allotment to join, good quality and reduced prices for seeds, sometimes even freebies!

    anyone from Kent on here?
    Carolbee
  • fizzel81
    fizzel81 Posts: 1,623 Forumite
    morning all

    carolbee im from west kent.

    so little to do today, have to face town (well the bank) and really do not want to and then my dad is comeing down to go shopping (he drives 30mins to go to asda!)

    catch you all later
    DFW nerd club number 039 :p 'Proud To Be Dealing With My Debts' :money: i will be debt free aug 2010

    2008 live on 4k +cb £6,247.98/£6282.80 :T
    sealed pot 2670g
    2009 target £4k + cb £643.89:eek: /£6412.80
  • shaz_mum_of__2
    shaz_mum_of__2 Posts: 2,010 Forumite
    I live in North lincs but would love to live in Doset we love the countryside near charmouth and lime regis

    In fact this pic of lime regis harbour......my friends don't believe it was taken in the UK
    da995c52.jpg

    Shaz
    *****
    Shaz
    *****
  • notanothergreyhair
    notanothergreyhair Posts: 2,010 Forumite
    I have enjoyed the challenge this year so I'll be doing it again next year, albeit with a revised target. I think you already have me on the list.

    I am going to come in at just under £4000 for 2008 but I reckon I could have spent less...so I'll go for £3500 for 2009.

    Best of luck everyone.
    :p I'm the only gay in this forum :p
    *Everybody wants prosthetic foreheads on their real heads*
  • lyndasharp
    lyndasharp Posts: 649 Forumite
    500 Posts
    In the SW count, I'm in Swindon, which I think just about comes under south west!
    Live on £11k in 2011 :D
  • penny54
    penny54 Posts: 2 Newbie
    nykmedia wrote: »
    NYK'S CHALLENGER LIST FOR 2009

    Please note that there are NO challenger numbers for 2009, any numbers that may appear here are for the purposes of counting how many people we have participating. The list will be kept in alphabetical order to make it quicker for finding names.
    1. [FONT=Verdana, sans-serif]*Mari*[/FONT]
    2. [FONT=Verdana, sans-serif]1274[/FONT]
    3. 2ndTimeRounder
    4. [FONT=Verdana, sans-serif]87p[/FONT]
    5. [FONT=Verdana, sans-serif]Affordmylife[/FONT]
    6. [FONT=Verdana, sans-serif]All_hours[/FONT]
    7. [FONT=Verdana, sans-serif]Alli_Baba2[/FONT]
    8. [FONT=Verdana, sans-serif]Always_amazed[/FONT]
    9. Andan
    10. [FONT=Verdana, sans-serif]Andromache[/FONT]
    11. AngelatGraceland
    12. [FONT=Verdana, sans-serif]Angelofthenorth[/FONT]
    13. [FONT=Verdana, sans-serif]Angie_baby[/FONT]
    14. [FONT=Verdana, sans-serif]Ani*fan[/FONT]
    15. [FONT=Verdana, sans-serif]Artnoble[/FONT]
    16. [FONT=Verdana, sans-serif]Azjh77[/FONT]
    17. [FONT=Verdana, sans-serif]Bails[/FONT]
    18. [FONT=Verdana, sans-serif]Barefootlinzi[/FONT]
    19. [FONT=Verdana, sans-serif]Barole[/FONT]
    20. [FONT=Verdana, sans-serif]Bigbullyweedave[/FONT]
    21. [FONT=Verdana, sans-serif]BigEars[/FONT]
    22. [FONT=Verdana, sans-serif]Blackfairykitten[/FONT]
    23. [FONT=Verdana, sans-serif]Blairweech[/FONT]
    24. [FONT=Verdana, sans-serif]Bleufleur[/FONT]
    25. [FONT=Verdana, sans-serif]Blissfullydebtfreewannabe[/FONT]
    26. BlondeMuppet
    27. [FONT=Verdana, sans-serif]Bluesteel705[/FONT]
    28. [FONT=Verdana, sans-serif]Brighton Belle[/FONT]
    29. [FONT=Verdana, sans-serif]Broke mum of three[/FONT]
    30. [FONT=Verdana, sans-serif]Buffythedebtslayer[/FONT]
    31. [FONT=Verdana, sans-serif]Candygirl[/FONT]
    32. [FONT=Verdana, sans-serif]Carlsberg[/FONT]
    33. [FONT=Verdana, sans-serif]CarolBee[/FONT]
    34. [FONT=Verdana, sans-serif]Carolinabirichina[/FONT]
    35. [FONT=Verdana, sans-serif]Catzine[/FONT]
    36. [FONT=Verdana, sans-serif]Cha97Michelle[/FONT]
    37. [FONT=Verdana, sans-serif]Chaddee[/FONT]
    38. [FONT=Verdana, sans-serif]Charlies Angel[/FONT]
    39. [FONT=Verdana, sans-serif]Che75[/FONT]
    40. [FONT=Verdana, sans-serif]Chewits[/FONT]
    41. [FONT=Verdana, sans-serif]Chriz1000[/FONT]
    42. [FONT=Verdana, sans-serif]Cornishinfens[/FONT]
    43. [FONT=Verdana, sans-serif]Cranky40[/FONT]
    44. [FONT=Verdana, sans-serif]Cumbrianmum[/FONT]
    45. [FONT=Verdana, sans-serif]CW18[/FONT]
    46. [FONT=Verdana, sans-serif]DdraigGoch[/FONT]
    47. [FONT=Verdana, sans-serif]Debrag[/FONT]
    48. [FONT=Verdana, sans-serif]DFW844[/FONT]
    49. [FONT=Verdana, sans-serif]Djenks[/FONT]
    50. [FONT=Verdana, sans-serif]DJJoJoJuice[/FONT]
    51. [FONT=Verdana, sans-serif]DND[/FONT]
    52. [FONT=Verdana, sans-serif]Don't want to be in debt[/FONT]
    53. [FONT=Verdana, sans-serif]Doom_and_Gloom[/FONT]
    54. [FONT=Verdana, sans-serif]EagerLearner[/FONT]
    55. [FONT=Verdana, sans-serif]Elantan[/FONT]
    56. [FONT=Verdana, sans-serif]Ephemera[/FONT]
    57. [FONT=Verdana, sans-serif]Fairywings[/FONT]
    58. [FONT=Verdana, sans-serif]Findingmyfeet[/FONT]
    59. [FONT=Verdana, sans-serif]Fizzel81[/FONT]
    60. [FONT=Verdana, sans-serif]Flowerofthewest[/FONT]
    61. [FONT=Verdana, sans-serif]FrankieM[/FONT]
    62. [FONT=Verdana, sans-serif]Freyaluck[/FONT]
    63. [FONT=Verdana, sans-serif]Frugal Fox[/FONT]
    64. [FONT=Verdana, sans-serif]Frugalmum[/FONT]
    65. [FONT=Verdana, sans-serif]Funbrum[/FONT]
    66. [FONT=Verdana, sans-serif]Funkyfunkymonkey[/FONT]
    67. [FONT=Verdana, sans-serif]Gem2509[/FONT]
    68. [FONT=Verdana, sans-serif]GemGems[/FONT]
    69. [FONT=Verdana, sans-serif]Georgiasmum[/FONT]
    70. [FONT=Verdana, sans-serif]GlendaM[/FONT]
    71. [FONT=Verdana, sans-serif]Grandma247[/FONT]
    72. [FONT=Verdana, sans-serif]Grunnie[/FONT]
    73. [FONT=Verdana, sans-serif]Hansolo81[/FONT]
    74. [FONT=Verdana, sans-serif]Hardup Hester[/FONT]
    75. [FONT=Verdana, sans-serif]Headofsteam[/FONT]
    76. [FONT=Verdana, sans-serif]HH62[/FONT]
    77. [FONT=Verdana, sans-serif]Hopeless_Spendthrift[/FONT]
    78. [FONT=Verdana, sans-serif]Hypno06[/FONT]
    79. [FONT=Verdana, sans-serif]IGiveUp[/FONT]
    80. [FONT=Verdana, sans-serif]IhateDebt[/FONT]
    81. [FONT=Verdana, sans-serif]Ilovetea[/FONT]
    82. [FONT=Verdana, sans-serif]Impomdasp[/FONT]
    83. [FONT=Verdana, sans-serif]InTheRed[/FONT]
    84. [FONT=Verdana, sans-serif]Jamiedodger[/FONT]
    85. [FONT=Verdana, sans-serif]Jammiejen[/FONT]
    86. [FONT=Verdana, sans-serif]Janey51[/FONT]
    87. [FONT=Verdana, sans-serif]Jay1[/FONT]
    88. [FONT=Verdana, sans-serif]JennyBee[/FONT]
    89. JTB2412
    90. [FONT=Verdana, sans-serif]Juliejay[/FONT]
    91. [FONT=Verdana, sans-serif]Jumble-Bee[/FONT]
    92. [FONT=Verdana, sans-serif]Junglegirl[/FONT]
    93. [FONT=Verdana, sans-serif]JustKeepSwimming[/FONT]
    94. [FONT=Verdana, sans-serif]Kayharcombe[/FONT]
    95. [FONT=Verdana, sans-serif]Kayleighj[/FONT]
    96. [FONT=Verdana, sans-serif]Kbarty[/FONT]
    97. [FONT=Verdana, sans-serif]Keren29[/FONT]
    98. [FONT=Verdana, sans-serif]Kerron7[/FONT]
    99. [FONT=Verdana, sans-serif]Kiki[/FONT]
    100. KittieJ
    101. [FONT=Verdana, sans-serif]Kittikins[/FONT]
    102. KiwiGirl
    103. Kizzie01
    104. LadyRoughneck
    105. Lalaladybird
    106. [FONT=Verdana, sans-serif]Laurabelle[/FONT]
    107. [FONT=Verdana, sans-serif]Lexxi[/FONT]
    108. [FONT=Verdana, sans-serif]Lilac_Lady[/FONT]
    109. [FONT=Verdana, sans-serif]Liloandstitch[/FONT]
    110. [FONT=Verdana, sans-serif]LilyBee[/FONT]
    111. [FONT=Verdana, sans-serif]LingoJingo[/FONT]
    112. [FONT=Verdana, sans-serif]Little_Miss_Moneysaver[/FONT]
    113. [FONT=Verdana, sans-serif]LittleMissClimsy[/FONT]
    114. [FONT=Verdana, sans-serif]Liuhut[/FONT]
    115. [FONT=Verdana, sans-serif]Lmac[/FONT]
    116. [FONT=Verdana, sans-serif]LoadedIWish[/FONT]
    117. [FONT=Verdana, sans-serif]Loadedlaura[/FONT]
    118. [FONT=Verdana, sans-serif]LollopyBear[/FONT]
    119. [FONT=Verdana, sans-serif]Looby-Loo[/FONT]
    120. [FONT=Verdana, sans-serif]Deleted_User[/FONT]
    121. [FONT=Verdana, sans-serif]LyndaSharp[/FONT]
    122. [FONT=Verdana, sans-serif]Lysasparkles[/FONT]
    123. [FONT=Verdana, sans-serif]Macwah97[/FONT]
    124. [FONT=Verdana, sans-serif]Mah_Jong[/FONT]
    125. [FONT=Verdana, sans-serif]Mama67[/FONT]
    126. [FONT=Verdana, sans-serif]Marru[/FONT]
    127. [FONT=Verdana, sans-serif]Masomnia[/FONT]
    128. [FONT=Verdana, sans-serif]Maverickangel[/FONT]
    129. Mbaz
    130. [FONT=Verdana, sans-serif]McSaver[/FONT]
    131. [FONT=Verdana, sans-serif]Micron[/FONT]
    132. [FONT=Verdana, sans-serif]Milliemonster[/FONT]
    133. [FONT=Verdana, sans-serif]Mini_huny_money[/FONT]
    134. [FONT=Verdana, sans-serif]Miss Empty Piggy[/FONT]
    135. [FONT=Verdana, sans-serif]Miss_Pink[/FONT]
    136. [FONT=Verdana, sans-serif]MK Wotsit[/FONT]
    137. [FONT=Verdana, sans-serif]Mollymop5[/FONT]
    138. [FONT=Verdana, sans-serif]MrDT[/FONT]
    139. [FONT=Verdana, sans-serif]Mrsmcawber[/FONT]
    140. [FONT=Verdana, sans-serif]MSHAWX[/FONT]
    141. [FONT=Verdana, sans-serif]Mumzyof2[/FONT]
    142. [FONT=Verdana, sans-serif]Nate123[/FONT]
    143. [FONT=Verdana, sans-serif]NEGirl[/FONT]
    144. [FONT=Verdana, sans-serif]Nicola1982[/FONT]
    145. [FONT=Verdana, sans-serif]Nimbo[/FONT]
    146. Nodebtdiva
    147. [FONT=Verdana, sans-serif]Notanothergreyhair[/FONT]
    148. [FONT=Verdana, sans-serif]Nykmedia[/FONT]
    149. [FONT=Verdana, sans-serif]OldMcDonald[/FONT]
    150. [FONT=Verdana, sans-serif]Oliveoyl[/FONT]
    151. [FONT=Verdana, sans-serif]OptimisticPair[/FONT]
    152. [FONT=Verdana, sans-serif]Paul Varjak[/FONT]
    153. [FONT=Verdana, sans-serif]Paulgonnabedebtfree[/FONT]
    154. [FONT=Verdana, sans-serif]Penny2myname[/FONT]
    155. Pip's Mum
    156. [FONT=Verdana, sans-serif]Pollydaydream[/FONT]
    157. [FONT=Verdana, sans-serif]Princess Leia[/FONT]
    158. [FONT=Verdana, sans-serif]Protogenia[/FONT]
    159. [FONT=Verdana, sans-serif]Prudent[/FONT]
    160. [FONT=Verdana, sans-serif]Purplevamp[/FONT]
    161. [FONT=Verdana, sans-serif]Rachyp[/FONT]
    162. [FONT=Verdana, sans-serif]Rafiki[/FONT]
    163. [FONT=Verdana, sans-serif]Raychee[/FONT]
    164. [FONT=Verdana, sans-serif]RebekahR[/FONT]
    165. [FONT=Verdana, sans-serif]Redglass[/FONT]
    166. [FONT=Verdana, sans-serif]RedMel1621[/FONT]
    167. [FONT=Verdana, sans-serif]Sallyrsm[/FONT]
    168. [FONT=Verdana, sans-serif]Sam79[/FONT]
    169. [FONT=Verdana, sans-serif]Sashacat[/FONT]
    170. [FONT=Verdana, sans-serif]Sassamac[/FONT]
    171. [FONT=Verdana, sans-serif]Saverram[/FONT]
    172. [FONT=Verdana, sans-serif]Savingfortravel[/FONT]
    173. [FONT=Verdana, sans-serif]Scorpio04[/FONT]
    174. Sewbocushions
    175. [FONT=Verdana, sans-serif]Shaz_mum_of_2[/FONT]
    176. [FONT=Verdana, sans-serif]Shazrobo[/FONT]
    177. [FONT=Verdana, sans-serif]Shell37[/FONT]
    178. [FONT=Verdana, sans-serif]Shelovestobuystuff[/FONT]
    179. [FONT=Verdana, sans-serif]Shorelines[/FONT]
    180. [FONT=Verdana, sans-serif]SiannieLaz[/FONT]
    181. SixteenthofJune
    182. [FONT=Verdana, sans-serif]Skint Lynne[/FONT]
    183. [FONT=Verdana, sans-serif]Skint_Chick[/FONT]
    184. [FONT=Verdana, sans-serif]Skintwellie[/FONT]
    185. [FONT=Verdana, sans-serif]Slackster[/FONT]
    186. [FONT=Verdana, sans-serif]Slowlyfading[/FONT]
    187. [FONT=Verdana, sans-serif]Smart21[/FONT]
    188. [FONT=Verdana, sans-serif]SmlSave[/FONT]
    189. Snow White
    190. [FONT=Verdana, sans-serif]SophiesMum[/FONT]
    191. [FONT=Verdana, sans-serif]Sos999[/FONT]
    192. [FONT=Verdana, sans-serif]Stefejb[/FONT]
    193. [FONT=Verdana, sans-serif]Sue09[/FONT]
    194. [FONT=Verdana, sans-serif]Sukielou75[/FONT]
    195. [FONT=Verdana, sans-serif]Summertea[/FONT]
    196. [FONT=Verdana, sans-serif]Sweetpea03[/FONT]
    197. [FONT=Verdana, sans-serif]Taka[/FONT]
    198. [FONT=Verdana, sans-serif]The_Cat[/FONT]
    199. [FONT=Verdana, sans-serif]ThriftyLass[/FONT]
    200. ThriftyScotsLass
    201. [FONT=Verdana, sans-serif]Tigerseye[/FONT]
    202. [FONT=Verdana, sans-serif]Tigwell[/FONT]
    203. [FONT=Verdana, sans-serif]Tracey04[/FONT]
    204. [FONT=Verdana, sans-serif]Trex170104[/FONT]
    205. [FONT=Verdana, sans-serif]Truthseeker[/FONT]
    206. [FONT=Verdana, sans-serif]Tryingtodobetter[/FONT]
    207. [FONT=Verdana, sans-serif]Twinkle_Star[/FONT]
    208. [FONT=Verdana, sans-serif]Wendyw1947[/FONT]
    209. [FONT=Verdana, sans-serif]Wendywitch[/FONT]
    210. [FONT=Verdana, sans-serif]Wherediditallgo[/FONT]
    211. [FONT=Verdana, sans-serif]Whiskylizzie[/FONT]
    212. [FONT=Verdana, sans-serif]Whitetigeress333[/FONT]
    213. [FONT=Verdana, sans-serif]Whitevanwoman[/FONT]
    214. [FONT=Verdana, sans-serif]Whitewing[/FONT]
    215. [FONT=Verdana, sans-serif]Whowants2brich[/FONT]
    216. [FONT=Verdana, sans-serif]Wornoutmumoftwo[/FONT]
    217. [FONT=Verdana, sans-serif]Yoshimi2306[/FONT]
    218. [FONT=Verdana, sans-serif]Zelie[/FONT]
    :jPlease can I join in the £4000 a year challange.
  • penny54
    penny54 Posts: 2 Newbie
    :jPlease can I join the £4000 a year challange. This is my first post, I am a novice money saver but keen to learn
  • SiannieLaz
    SiannieLaz Posts: 275 Forumite
    :T Afternoon Folks,
    Hope everyone is not too stressed considering there's only a few days left b4 the big day! Managed to get all my xmas shopping done on Saturday, went to Kingston on thames along with most of the people in the country!! Please with myself for getting all my presents for at least 50% less than I had originally budgeted! Will be buying next year's in January sales.

    Quick question for you - what are 'Stardrops'? I've seen them mentioned a few times and just wondered what they were?

    Cheers All
    xxxx
    Debt as at Feb 14: £2272.40
    DFW Nerd no. 1024
    June Overhaul #26
  • angelatgraceland
    angelatgraceland Posts: 3,342 Forumite
    carolbee wrote: »
    Hi all,

    This is my first budget for 2009- to be continually refined/reduced of course!

    House/contents
    insurance £235
    Internet £180
    Birthdays £150 – plan to make presents/be money neutral on this
    Xmas £150 – as above
    BT/18866 £360 – estimate, both kids live abroad, we use ‘call carriers’ to keep cost down
    Pet food/vet £240 - estimate
    Contact lens £120 – will shop around when I need them next
    Fuel £1600 – based on current DD, annual review due on this April, am keeping weekly note of usage, and will change level of monthly DD so they don’t have the use of our money, thanks Martin
    Food/toiletries £3000 – this must be seriously reduced
    Leisure £600 to include hair cuts
    Anything else £365

    TOTAL £7000


    I plan to go back to keeping a daily record of exactly where each penny goes from 1 January. As insurance, internet provider etc come due for renewal, I plan to shop around for best deal/cashback etc

    Not including: Mortgage, council tax, water bills, car expenses, TV licence, boiler maintenance. Clothing and things like spectacles, large household expenses come out of separate amount budgeted for every month

    Have you checked internet/phone packages? Some include calls abroad as free calls. Mine with Tiscali does! I usually spend a total of approx £25 per month for all net and phone with them and its a good speed connection and unlimited. I dont have BT line rental any more-this figure is fully inclusive. Not sure if that will save you money aor not?

    By my sums I should think it could save you £250 per year.

    Someone on Freecycle has offered me a pressure cooker so I can now take it off of my shopping list! Enjoyed the happy chick for lunch-DH says it is worth the extra. Now doing a veggy curry with the blackeyed beans and split peas I soaked last night-plus lots of other stuff. That will cost very little!
    Annual Grocery budget 2018 is £1500 pa £125 calendar month £28.84 pw for 3 adults
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