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

kittiej

Merry Christmas everyone.

Hope all goes well :beer:

boring_beige

I hope that 2009 is a much better year for you, Janey51

Frugaldom

Happy Boxing Day, I hope everyone had a great Christmas!

Janey, Here's to 2009 being a much better year for you! Have a great time, will hear all about it in person when you get back. :beer:

Catch up soon, folks, garden's calling.

sophiesmum_2

Think I will have an hour in garden later Nyk, still have some tubs to clear out and a bit of cleaning up in greenhouse too. Need to start prepring for next years crops. Getting fed up waiting for chap to clear his stuff from allottment may tell him to forget it and just stick with my little corner, especially as he has recently stuck a load of paving flags and rubble on there too from a job he was doing

JAMIEDODGER

hi all, back from a lovely christmas day with all my family, got some lovely presents and cant wait to try out the recipes in my new Jamie Oliver book:D

will be making up a soup later today using the bone from the ham and maybe also a pie.

looking forward to the challenge starting, i cant believe its starting in only a few days!!!

2NDTIMEROUNDER

Hello hello _party_ to everyone! I hope you all had a smashing time
with your family and friends, enjoyed the festive menu and you are all
nursing a huge stomach like myself...:o :rotfl:

Monday and work is approaching fast but I am not complaining, as many people are out of job this time of year._pale_ My thoughts are with you guys and girls and wish you all the best for the New Year. Dont lose your strength and faith.

candygirl

Happy Boxing Day everyone:)
Am full of cold so am having a few Baileys to ward it off:D Then HM veggie curry, poppadums, and dips for tea:p
Am glad to be doing nowt today. as pinning on the smile made my face ache yesterday:rotfl: :rotfl: :rotfl:

taka

:rudolf: Happy Boxing Day! :rudolf:

((((Hugs Janey)))) and everyone else who needs or wants one.

cat_lady_4

hello, going to give this a try!
I am excluding mortgage, council tax, car expenses, cost of petrol to work, water, gas and electric (as i have worked really hard to get these down and think its def. essential use only), tv licence and minimal card repayments.

So my £4000 will be broke down as such

BT £180 pa
mobile £300
sky £216 (no aerial on house, fitting one costs the same as a this anyway)
travel to friends and family £520
groceries inc cat £1040 (£20 a week)
OU £1300
going out £444 (£8 a week- will be my downfall!)

This leaves me £4086 pa for paying back my credit cards (currently around the six mark. So, maybe by christmas 09 i will be able to tell you i'm debt free!

some strategies i shall use
- getting work petrol once a week from asda rather than topping up on motorways etc
-cooking in bulk, bargain hunting
-enjoying what i have in life
-withdrawing grocery money each week

eilo1007

Please sign me up to the challenge.
I just had a look at my finances. I am always skint. But once I sat down and worked out all my essentials, I realise that there is no reason for me to be struggling to pay off debt and I need to get my life in order. In fact, by following this plan, I end up with £7000 extra a year to pay off my debt :eek:

All I need now is the willpower :rolleyes:

Eileen