Live on £4,000 for a year - 2009, Part 4

XSpender

Nyk - Please include XSpender in the list for the 2010 challenge. We will complete our first year on IVA at the start of 2010 which has gone really well, but with a baby due in May I want the security of a nice wodge of savings behind us.

((((Hugs)))) to Mooloo and Frankie. Your daughter's behaviour reminded me of what a cow I was to my own Mother 20 years ago, although I never spent the night outside :eek: I would have been too scared. Need a guilty faced smilie to insert here for my teenage behaviour.:o

BB - Congratulations on seeing your hard work with your OH finally bear fruit. My DH is kind of the other way in that he encourages me to deal with all our financial stuff as I work in finance and will ask before he spends any money. Sometimes I wish he would be more involved to take the pressure off me. I have told him about this challenge and that we will need to sit down and agree budgets for the year as I find it very difficult to say no to him if he wants something (like a weekend away or a night out we can't really afford) as he works hard for his money and I feel like a nagging wife.:o

Looking like I will achieve my 2nd NSD today. :T

Have a good day all

XS x

thriftylass

XSpender wrote: »

...I find it very difficult to say no to him if he wants something (like a weekend away or a night out we can't really afford) as he works hard for his money and I feel like a nagging wife.:o

Sounds so like us . One of BF's mottos is "work hard play hard". Like tonight we're going to this really nice place with friends for tea and stay a night. It's on a deal and I'm really looking forward to it, but it was an unplanned spend .

Frugaldom

Next update in the recruitment drive for participants in the 2010 Cost of Living challenge


Here's my little list as it stands right now. (I'll keep it alphabetical)

1. Bails
2. Brighton Belle
3. CW18
4. FrankieM
5. Glendam
6. Liloandstitch
7. Deleted_User
8. Mama67
9. Nykmedia
10. Snoppydog
11. The_cat
12. Thriftylass
13. Whitewing
14. XSpender

I need to SEE THOSE NAMES, people - Bails, I got yours in your absence LOL

xnatalie81x

After a fantastic year ( my first one with you!!!) i now have a better idea of my spending and i actually managed to save quite a large amount of money for the first time ever

I AM IN AGAIN

homegrown_life

Hi there can I join in please for next year? homegrown_life

been reading for past week but not commented as on oh's iPhone and it's not as easy as on the laptop. Should have proper Internet back tomorrow but been enjoying the feel of the thread, seems nice and friendly.

Ok hope this posts ok!

xnatalie81x

I have been adding up some of the totals and having a look and although my year started 'live on 8k' i really was just using paper and guess work. It then went up to 9k and so on lol and the final figure for the year is looking to be about 13,500. This is for a family of 2 adults, 3 children, a dog and 3 hens!

I am not too unhappy about this as i also managed to save and so out of our 16 632 non essential income (not rent, water, childcare or debt payments) we have spent 13 500. 2010 is looking to be a better yr finacially so rather than spending more i want to get it down to 13k and save the rest for any full and finals i may be able to take up.

Will post the full 2010 budget on the new post when up and running - i am so glad to have found this challenge as all the past yrs i have lived well beyond my means and run up massive debts and this year has shown me how stupid i was and rather than not being able to afford to live i have MORE than enough to live on AND i can save as well!!!!!

Ches

Please may I join..CHES. :T

Frugaldom

Hi Natalie, how are your hens doing?

Welcome Homegrown_Life, hope you, and everyone else trying this for their first year, have a fab, fun time saving money and living the frugal life.

I'll just keep copying and pasting the list to make sure everyone sees it and posts their MSE name in BIG BOLD COLOURFUL LETTERS so I don't miss them


Here's my little list as it stands right now. (I'll keep it alphabetical)

1. Bails
2. Brighton Belle
3. Ches
4. CW18
5. FrankieM
6. Glendam
7. Homegrown_Life
8. Liloandstitch
9. Deleted_User
10. Mama67
11. Nykmedia
12. Snoppydog
13. The_cat
14. Thriftylass
15. Whitewing
16. Xnataliex
17. XSpender

I need to SEE THOSE NAMES, people, 2010 is only 35 days from now.

SmlSave

Don't forget me...................SMLSAVE Nyk

Am thinking that I'll be a little over budget this year though

xnatalie81x

nykmedia - they only blinkin all started laying again lol - i had got used to having only 1 a day then BAM all start again so am having a mega egg usage day lol - 12 cupcakes, a chocolate cake and a sultana cake. Omlette for 3 for lunch and egg mayo frozen in sarnies for the eldest lol. I do love my girls tho

I have so enjoyed my first year. This time last year if you had told me (or my H2B) that i would have 3 hens and an allotment i would have laughed myself to death lol