FRUGAL LIVING CHALLENGE 2010, part 1. (Living on £4,000 a year)

FrankieM

spookycat wrote: »

do we have a percentage budget per head?
Is the £4000 for say 2 adults? How much does that translate for 2 adults and 4 children, or is it irrelevant and amounts are just according to personal needs?

Its completely up to you. We are a family of 2 adults and 4 children and I'm working towards a budget of £12k. That includes everything except mortgage, regular giving, a loan we have and savings.

spookycat_2

Exactly!!

Dh doesn't understand where the money goes and tbh neither do I really. We are keeping a diary of all spending starting this year.

So far this year I have had 3 NSD, which is rather good for me. I might keep a track of them actually....

knithappens

jtb2412 wrote: »

Hi everyone

Well .......... I did it :j :j :j!!! From 28th January I'll be an offical SAHM :j :j :j. Thanks to everyone who wished me well for today xxx


TTFN xx

oh wow congrats, i would love to be a SAHM, but need to pay the bills, thats one of the main reasons for doing these challenges is so that i can reduce debt/outgoings so i am not living to work, i have reduced to 3 days per week start back at feb half term when my mat leave is up, i am dreading going back

knithappens

spookycat wrote: »

Exactly!!

Dh doesn't understand where the money goes and tbh neither do I really. We are keeping a diary of all spending starting this year.

So far this year I have had 3 NSD, which is rather good for me. I might keep a track of them actually....

thats brill, this will be my 2nd NSD, it gets easier as you go on.

spookycat_2

Blimey! £12000, so that's for food and utilities etc?

£1000 per month!!! I'm in awe =O

knithappens

weezl74 wrote: »

a combination of using costco for milk and watering down makes our milk 16.1p per pint

how much do you water down by, is it half and half

redglass_2

I've been battling with myself since New Year's Eve: do I join again? In the end I've decided not to, because the stuff on here is just too addictive and I need to be able to lurk and not get caught up in it. So I won't be one of the challengers but I'll be cheering you all on from the sidelines.

The thread is growing so fast I can't keep up, but I've been skimming and Cheryl, I'm really sorry about your dog. :sad: I hope she recovers.

FrankieM

spookycat wrote: »

Blimey! £12000, so that's for food and utilities etc?

£1000 per month!!! I'm in awe =O

Thats the plan. No idea if I'll manage it but its good to aim for something!

the_cat

Just a quick note re watering down milk. For some strange scientific reason semi skimmed and skimmed milk has less fat but not less calcium and other goodness to full fat milk

By watering down full fat milk you will also dilute it's goodness. As long as you are getting enough goodness from the rest of your diet, no probs. Perhaps needs to be done in moderation for young children though?

mumoffour77

Morning all

NSD yesterday.........WooHoo!!
But I spent £9.00 this am on milk, bread, and mince for dinner!!

Kids are back to school on wednesday! So im just waiting it out until then to "DO" and inventory of the freezer and cupboards:) and take the xmas decorations down!

Dad has to be in the hospital for 6.30am on wednesday morning!
Thanks to all who wished us luck ect I really appreciate it,
I love reading this thread, CW I hope the medication works for your dog:) Im still loving the spreadsheet!

OH good news, Bt sent me out my bill and said that im in credit so im not going to have another DD come out of the bank until April....and its for £19 p/m

But NIE have said they are upping my DD to £155 p/m until I get my arrears paid!! But its a bill that needs to be paid!!

Catch up later:D