Frugal Living Challenge 2011 - Part 3.

mooomin

Oh natnat that's really lovely, well done! :T

wishfullthinking

Hi all was hoping to join in been pretty rubbish last 39years at saving and being frugal but faced upto finances.

New Year coming and 40 in the middle of it I need to grow up so ive done the following so far

SOA
Budget shifting
Joined grocery challenge Jan 2012
Snowballing

Debt just faced upto £19000

Help much needed

cw18

wishfullthinking wrote: »

Help much needed

Climb aboard, and keep chatting to us all through the year. We're all here to help one another - as well as ourselves - and will offer advice if you ask and we feel we can

rubytuesday

Hello everyone.

NSD for me today.

Feeling a bit better but not great.

Do hope I can have my swim tomorrow - really missed it!

COOLTRIKERCHICK

thanks for the heads up about the lidl offers..

I allways use Lurpak..( sorry just cant buy anything else cheaper) It is on offer in lidl's so will stock up and freeze.

A few weeks ago the big 1kg ones were only £3. but could only buy 2 at the time..

I am going to try and have a go at a spreadsheet:eek: I have had some sent to me in the past, but they just confused me:rotfl:

I know its cheeky, but have anyone set up a new spreadsheet for 2012, but i might be able to have a copy of please:beer:

I have allways been a book and a pencil sort of gal... ( or a back of a used envelope:D)

I have been really good this week, hardly spent anything... just bought bread, milk, reduced priced cream, reduced cooked chickens (2) from the deli counter, and reduced 3 batons of garlic bread..

so will strip one of the cooked chickens, and we will have either chicken curry or sweet n sour with rice and garlic bread for tea/supper tonight..

watched the good life last ninght the christmas one...:rotfl: I love that programme......doesnt seem dated at all....

cw18

COOLTRIKERCHICK wrote: »

I am going to try and have a go at a spreadsheet:eek: I have had some sent to me in the past, but they just confused me:rotfl:

I know its cheeky, but have anyone set up a new spreadsheet for 2012, but i might be able to have a copy of please:beer:

My full-blown spreadsheet can be used for any year - just needs the formula changing in one cell of the totals page, but there should be instructions on what to do on the info page.

However, I'm guessing it's probably mine that left you confuddled

If you know what you want to get out of a spreadsheet / what level you want to record things at / how you want to break up your records in terms of which categories you want detailed (or not) I'd be more than happy to knock something together for you - and if the first attempt isn't quite what you expected I'd be happy to tweak until it is. I used to work in IT (as a programmer), so am quite used to a piece of software bouncing backwards and forwards between the development team (me) and end user (you) a few times until it was 'just right'.

But I won't have chance to get stuck in until Monday as I have company tonight/tomorrow.

seriouslyfrugal

wishfullthinking wrote: »

Hi all was hoping to join in been pretty rubbish last 39years at saving and being frugal but faced upto finances.

New Year coming and 40 in the middle of it I need to grow up so ive done the following so far

SOA
Budget shifting
Joined grocery challenge Jan 2012
Snowballing

Debt just faced upto £19000

Help much needed

welcome your find plenty of advice / support here - don't forget to sign up for 2012 challenge - link below

https://forums.moneysavingexpert.com/discussion/3612005

Good Luck

wishfullthinking

Morning to all Saturday and Sunday NSD's not going out got friends coming to night plenty in so no spending needed.

Baking today (feel sorry for OH and kids) everyone in my family can bake so figure it must be in me somewhere:D this will save some money on sweet party food as I have loads of eggs to use.

Changed a few things on Budget Sheet
Life Cover changed from £78 to £19 saving of per month £59
PPI cancelled saving of per month £63
Mobile provider only knock of £5 per month £5
Internet phone etc saving of per month £10
Change in dog food saving of per month £60
Shopping budget lowered saving of per month £60 (this would probably be the dog food so cant really count this)
TOTAL SAVING PER MONTH £197

Would like to increase saving think I may be a convert

WHAT DOESNT KILL YOU MAKES YOU STRONGER:j

HAPPY NEW YEAR TO ALL :beer:

slowlyfading

LOVE that bunting!

Hope everyone has a good new year and I'll see you on the new thread!

dizzy_lizzie

Natnat the bunting looks fantastic. Well done :T
Ruby. Glad you're feeling a little better. I've finished my antibiotics but my throat
is still so painful. Still going out tonight though as I've hardly been out since getting it!
Slowlyfading All the best to you too in 2012. A big year for you
and hope everyone on here has a wonderful 2012.
You're all just wonderful :A
Will catch up with you all on the new thread...
x