Frugal Living 2011 - the preparation stage

sparkle76

Hi 71bagpuss if you search for EagerLearner I think they have one on their signature to download straight away for budgeting

cw18

I have a s/sheet a lot of people snagged a copy of for 2010. Wouldn't take me long to do the tweak needed to use it for 2011......

If you want a copy PM me your email addy, and let me know what s/ware you use for s/sheets (and which version if Excel)

NualaBuala

Hi,

Cheryl did up a fancy spreadsheet that she shared here.

Just in case some of the new folk haven't seen it, here's a link to an old thread where Frugaldom collated tips and handy links (including stuff about laundry gloop and soapnuts).

HTH

NualaBuala

cw18 wrote: »

I have a s/sheet a lot of people snagged a copy of for 2010. Wouldn't take me long to do the tweak needed to use it for 2011......

If you want a copy PM me your email addy, and let me know what s/ware you use for s/sheets (and which version if Excel)

Oops, crossposted!

elly68

can i join please i spend way too much money on food ,so would like to do this i'm never less than £100 for 2 adults and 2 children on the weekly shop going to stop paying by card and start using housekeeping from now on the £100 will include dinner money for kids which is £1.55 each per day x 2 our shopping is expensive as i have one gluten free and 1 dairy free however i recently started baking and making food from scratch again so lets see

sparkle76

Welcome elly68 - hopefully in the new year we can all save some money!

savingcaz

Just had a shock then remembered most people don't count the mortgage!! I was shocked, ours is almost 8,600 a year! going to factor it in so i know roughly how much we should be spending in a year but won't put it in my challenge budget if that makes sense?

Just had a quick look through and 'have to spend' is just over 12k not including mortgage!! This includes minimum payments on credit cards which we actually spend more on each month to get them paid quicker! having looked at this now i'm in shock! i need to do some serious shopping around tomorrow for better deals on insurance etc!! effectively speaking though even though this total don't include presents etc and holiday funds (both parents are taking us away in 2011 so we will have 1 full week with my husbands parents and a few midweek breaks with my mum.) They pay the most of it we just have to find some spends! but even so just on H's wage we should still have around 6k a year that we aren't spending!

Need to get serious in 2011!!

1 cc should be clear by Feb time, hopefully another by end of summer, and then fingers crossed the other one and overdrafts could be done by xmas depending on how well i stick to the challenge lol!!!!

grandma247

Savingcaz at least you know now. It might be worth putting some of the excess into an easy to get at savings account so it can build up and be there for emergencies or to pay off a debt at the end of the year.

Lily_The_Legend

Hiya! :hello:

Can I join you please?

I signed up last year, but never really did anything about it. But I'm determined to this time!

I need to look at all the bills etc, so will come back with a budget.

Aril

Please can I join too? It's been an expensive year and I've taken my eye off the ball.
We have just paid out for solar panels eek and we will finish paying off our mortage in November so should hopefully see a little more capital released. However, my job is government funded so with all the cuts who knows- therefore, it is important to keep our spending firmly reined in.
Thank you:j
Aril