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Live on £4000 for a Year, 2009 Challenge, part 2
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Hey everyone...i'm back on page 79 but not sure if'll get another chance t post before the forum goes read-only at the weekend....
Ok on the house front....the bank eventually got back to me - 24days after i applied for the mortgage (so much for their 48 hour turn around:rolleyes:)
They wouldnt lend me the full amount requested so now i have to find an extra £6000 on top of my £12,500 deposit to go ahead with the purchase.
I have decided that in two months i should be able to get most of the £6000 gathered up through my overdraft and maybe stoozing for a while - any other ideas and thoughts would be appreciated!
I'm off to study for my last exam tomorrw.... trying not to get excited about the house in case it all falls through.....
p.s. i still have £100 left out of this months budget!£4000 a year challenge member
House Deposit fund - 78% (5th September 2009)0 -
lol whitewing at pilots landing and what 's on offer...
sft - you'll be wondering in my OH's territry; he works around there. Alfriston is so lovely too: we tend to go to the badger tea rooms. I trust you will walk the 7 sisters:D. We planning to go to the Birling gap end possibly this weekend as OH has found quite a few orchids that he wants to map better/explore further.
Talking of long timers/dreams coming true etc, next week, 1st July will mark my one year of joining this forum (and I still feel a newbie LOL) Spend the 1st 6 months in training and sorting my accounts out and started properly in Jan. My life is definitely loads better this time a year on. This forum has significantly helped me work out what I want for my life and has given me a sense of community (along with the other thread I'm a member of) that I had long felt was missing in my life but I didn't know how to fill that gaping hole. I realise a year on, that it has been significantly filled.
I know for sure now that I don't yearn for a place in the country & to be self sufficient, but that I love my life here. I do very much want to make my small income stretch as far as posible to enrich my life, with life, not things and you are all enabling me to do that. I also live in a great place to have a good supply of great lodgers which brings in half my income.
I have got in touch with my creative side and people reaction to the things I've made had taken me by suprise and made me re evaluate how I see myself and perhaps I'm more talented than I thought and I am now at the begining of seeing if I can develope that a little, and maybe make a small if irregular income from that. I'm busy making my creative space at this very moment. The 101 list is taking me further in the process of doing and living now.
I think regularly reading and being in touch with others who are in to simplifying their life and decluttering have helped me focus on that too.
Looking forward to my 2nd year with you all.
Thanks.
Nyk - growing up with a father in the aviation business and 2 older bro's and near the amous Farnborough air show, I too rush out to see any unusal plane. Used to live in concorde flight path and loved it - windows rattled away but it was always so beautiful we never tired of it. I'm always spotting gliders/bi planes and what ever when we are out before my OH. And I love the throb of a chinook (worked on an army base for 4 years).I try to take one day at a time, but sometimes several days attack me at once0 -
Good luck, Ram! Could you borrow from family & friends?
BB - I have been to Alfriston, so for once, I know where someone is talking about 'down south' that isn't in Suffolk.I also went to Herstmonceaux (sp?) castle, I think, plus walked along the dows so I could peer over Beachy Head and take photos.
I reserve the right not to spend.
The less I spend, the more I can afford.
Frugal living challenge - living on little in 2025 while frugalling towards retirement.0 -
Like you, I have already started collecting my pine cones and I think my paper logs should be dry soon, so I can make some more tomorrow, if it's sunny, and get them out to dry.
Nyk-Keen to start making the paper logs now. Need to save newspapers (what else can be used?) This could be more cost effecient. What do you think?
Watching the homeless programme on the telly. Shocking isn't it and very thought provoking.
sft:cool: Frugal Living 2010 member MFW by 2014 Was 88,000 now £46,877.90 Grocery Budget for Dec-April=£173.72/£244 (Groc Budget 2010 from Ebay/Voucher savings/Quidco -If we can do it will save our £980 GC budget) Now living the dream -in our tiny country cottage-all thanks to MS forums. x 39 2 go
Stockpile Savings: £89.72 Voucher savings £80 -
savingfortravel wrote: »Nyk-Keen to start making the paper logs now. Need to save newspapers (what else can be used?) This could be more cost effecient. What do you think?
Paper, leaves, twigs, wood chips, anything that can be soaked, squashed and can be deemed to be non-explosive and safe to burn.I don't buy papers, so I only make the logs when someone donates old newspapers - mum saves, SM brought me some and a few other ideal sources are from the free newspapers & property papers. These get used for lining birds' cage first, though. :rotfl:
I reserve the right not to spend.
The less I spend, the more I can afford.
Frugal living challenge - living on little in 2025 while frugalling towards retirement.0 -
Brighton_belle wrote: »lol whitewing at pilots landing and what 's on offer...
sft - you'll be wondering in my OH's territry; he works around there. Alfriston is so lovely too: we tend to go to the badger tea rooms. I trust you will walk the 7 sisters:D. We planning to go to the Birling gap end possibly this weekend as OH has found quite a few orchids that he wants to map better/explore further.
Love the badger tea rooms..go there for my birthday breakfast each year!
What kind of orchids? Are we talking about wildflowers here? x
sft:cool: Frugal Living 2010 member MFW by 2014 Was 88,000 now £46,877.90 Grocery Budget for Dec-April=£173.72/£244 (Groc Budget 2010 from Ebay/Voucher savings/Quidco -If we can do it will save our £980 GC budget) Now living the dream -in our tiny country cottage-all thanks to MS forums. x 39 2 go
Stockpile Savings: £89.72 Voucher savings £80 -
Hi frunchkins
Been mooching about in the garden area tonight, harvested the first lot of rhubarb, gooseberries,blackcurrants and whitecurrants from my little plot.Not a lot - but enough to make something when added to the 2kg of reduced plums I picked up this lunch time for 20p at Mr A's:j Also picked my first few strawberries but they got eaten in the garden:o
Hopefully tomorrow this little lot will be a few jars of jam
It's lovely to hear everyones thoughts of what they have got out of the thread and the community here
BB - I love the mosaics,mirror and clocks you have shown us and especially the curviness of the stuff and the colours you use :T I think you would be able to sell lots of your stuff, but it would have to be worth while for the time you must put into the pieces.I'm happy that you have found your creative outlet BB.
Bails -Loving all your recent posts and the energy and zest for life that is coming through in them. In a way though they have made me a bit sad as I can now really appreciate how devastating your illness was on your lifestyle when it was at it's most debilitating, I'm really happy that you are getting your health back on track.
sft - Your forever house is gorgeous, hope you enjoy every minute
Nyk - chainsaw proficiency is one of the things on my 101 list(showing my age too I used to love the bauhaus bella lugosi's dead song:o)
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So, I've just spent the evening with this gorgeous puppy!
I'm in love!Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
Personal Finance Blogger + YouTuber / In pursuit of FIRE
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sophiesmum, i bet that'll be lovely jam!
xx
Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
Personal Finance Blogger + YouTuber / In pursuit of FIRE
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