2012 Frugal Living Challenge (Part 1)

rictus123

Get me signed up please, i am working on budgets today and getting my final maximum spends for 2012 and getting a projected income aswel.

rictus123

Right budget done....even though i live at home and pay £100 a month for food,electic and all bills etc....total cost for the year is £6,408. That is bearing in mind i do not touch my 9-5 wage. I need to take in enough from overtime to pay for the following :

• Spends in Florida for April - Looking at £1,500?
• Car Insurance...being 20 and having a 225bhp car...looking at around £1,700
• I WANT a new laptop, my one is on last legs,will be a 21st present to myself once i get overtime money to pay for it...looking at £1,000. I know can get what i need for cheaper but its a long term investment and this one will have lasted 6 years so £1000/6years/12months = £13 a month for something i use at least 2 hours a day. Bargain :rotfl:
• Any other weekends away i have....£1,000 should cover them.

So ALL my expenses = £6,408
My WANTS (from overtime money) = £5,200!

Double the cost to live as i want so much. If i stick to all this though....should have a £20k+ surplus to save. :money:

silaren

Spent £5.68 on groceries today so that takes me to £8.70/£4000. Most of my week has been filled with NSDs. Focusing mainly on food and gifts this month. The gifts will mostly come out of my voucher stash from doing surveys. Food, I'm paying in cash. Have £36.30 left until Christmas.

Erme

rictus123 wrote: »

Right budget done....even though i live at home and pay £100 a month for food,electic and all bills etc....total cost for the year is £6,408. That is bearing in mind i do not touch my 9-5 wage. I need to take in enough from overtime to pay for the following :

• Spends in Florida for April - Looking at £1,500?
• Car Insurance...being 20 and having a 225bhp car...looking at around £1,700
• I WANT a new laptop, my one is on last legs,will be a 21st present to myself once i get overtime money to pay for it...looking at £1,000. I know can get what i need for cheaper but its a long term investment and this one will have lasted 6 years so £1000/6years/12months = £13 a month for something i use at least 2 hours a day. Bargain :rotfl:
• Any other weekends away i have....£1,000 should cover them.

So ALL my expenses = £6,408
My WANTS (from overtime money) = £5,200!

Double the cost to live as i want so much. If i stick to all this though....should have a £20k+ surplus to save. :money:

So what were you thinking of getting? a macbook? I love my macbook (whoopsie paranoid spend last year..should dv be paid off by 29/12) and so many good cheap apps and free apps from the likes of fink and macports and what not :T

E

slowlyfading

I've got a macbook too (which is currently at the computer doctos ) and I love it!

rictus123

Yep I think it will be a macbook folks! Where do o buy from?

slowlyfading

I got mine from the apple website, but I got a student discount at the time so it worked out to be a good deal

alisean221

Can i join please. Been a lurker for a long time but I am very interested in keeping a close eye on our finances so that we can save some money over the year as our eldest son is at college and hoping to go to Uni and I would like to be able to help him out.

Both myself and my husband work but with the costs of elec, gas, food and clothes going up we seem to be struggling so this will be an excellent time to look at our finances and see were we can save the money

davidjmclare

Please sign me up Just joined the forums to help make 2012 a better year for my wallet so this is right up my street My problem is 'living within your means'!

Hiddenidenity

Can I join please?

My budget has been done this week and it looks something like this

Yearly totals
Rent £1080 (HB pay towards this)
Water £400
Elec & Gas £500
Tv License £145
Baby Formula £416 :eek:
Groceries £780 (inc nappies toiletries cleaning etc)

Total is £3321

So I'm going to set £3350 for my budget