Frugal Living 2011 - the preparation stage

Lily_The_Legend

knitwit67 wrote: »

Also we use tesco vouchers for meals out, films, m.o.t and RAC.

Good idea Knitwit! We get points on what we pay for electricty/gas, so tend to get the odd voucher. Would be good to use them on cinema, meals out, or even put them towards food or fuel. :T

cake21

cw18 wrote: »

I'd include them in my 2010 spends, as they've been paid for from income in this year (hopefully). I've already booked my place on a few races for next year, but the entry fees have come out of my 2010 'get fit' fund (which was excluded from this challenge). Any 2012 races I book a place for during 2011 will be charged to my 2011 'get fit' category which is now included in the challenge.

Thanks cw18. Funnily that's exactly what I've done with my 2011 race entry fees and didn't think anything of it.

kazire

hi all i would like/need to join - my OH and I have just broken up and now i havta start all again on my own so would be great to get some support from you guys to keep me on track! i also need to keep saving in order to own my own property he was the one who always paied the bills so its going to be a HUGE learning curve for me and will be looking for any good advice i will be working out my must need budget!

thought i would say to knitwit and seriouslyfrugal i am also in hampshire but the east and we have show and its not going anywhere will havta take my shovel to the car as i need to get to work in the morning!!

cw18

welcome aboard

any questions you need answering (or problems you could use advice on) feel free to ask - I'm sure there'll always be someone around to help, even if it's only to give pointers to where you may some more appropriate help

kazire

cw18 wrote: »

welcome aboard

any questions you need answering (or problems you could use advice on) feel free to ask - I'm sure there'll always be someone around to help, even if it's only to give pointers to where you may some more appropriate help

thank you! its a bit of a crazy time at the moment as you could imagine i moved up here for uni and stayed up here because of the relationship now i have a job up here all my family live in cornwall so even though i have there support there not up here so not the best time at the mo anyway im really wanting to suceed at living by my self!

lily288

Hi everyone,
Id like to join this year please, have followed you all on and off for the 2010 thread, I really want to get rid of our debts this year so I thought more action is needed instead of just lurking.
Ill post my amounts tommorow when I have had a better look.

NualaBuala

Kazire ... sorry to hear about your break up. But hopefull you will get a great feeling of satisfaction from getting your budget sorted and making a new start.

Good luck to all the other new joiners too!

Cheryl - your spreadsheet shows very impressive trends. I love how there is no more TV licence but you now have a fitness category. :T

I want to find a way of recording all the little bits of extra money that come my way from selling things, finding coins on the ground, surveys etc. I think Frugaldom called it EEK (everything else kitty) or is that something else? Any ideas how to work that into my spreadsheet?

cw18

NualaBuala wrote: »

I want to find a way of recording all the little bits of extra money that come my way from selling things, finding coins on the ground, surveys etc. I think Frugaldom called it EEK (everything else kitty) or is that something else? Any ideas how to work that into my spreadsheet?

Assuming this income would be used to fund things you'd go without if you didn't have the money coming in, then I'd run a couple more worksheets within my spreadsheet for this. On one I'd record the money in (date, where from and amount) and on the other I'd record money out (date, where spent, what on and amount)

NualaBuala

cw18 wrote: »

Assuming this income would be used to fund things you'd go without if you didn't have the money coming in, then I'd run a couple more worksheets within my spreadsheet for this. On one I'd record the money in (date, where from and amount) and on the other I'd record money out (date, where spent, what on and amount)

Yes that's it exactly - for treats and things that I wouldn't be getting otherwise.

That's a good idea, will add a couple of new worksheets. Thanks Cheryl! :beer:

jess444_2

Hi,

I have put together a 'starter' budget which is a combination of what I am currently spending (on utilities / insurance ) and what I plan to spend (on food / haircuts ) IYSWIM? Looking at it, there is still an awful lot I need to cut down on - particularly petrol, telephone / BB. Any advice would be welcomed.

Mortgage 696
Life Insurance 516
Bulding / Contents 187
Food / Toiletries 2400
Haircuts 180
Road Tax 1140
Car Insurance 1327
MOT 1 / repairs 160
Petrol 11200
Road Tax 2140
Car Insurance 2249
MOT 2 / repairs 160
Petrol 2 1200
Council Tax 1370
Water Rates 440
TV Licence 145T
V / Phone / BB 720
Mobile Phone 60
Gas / Electric 1030
Allotment 50
Crafts 500
Gym 400
Entertainment 120
Union 180

Total 12570