2012 mfw

LavenderBees

Hope you've all had a merry Christmas.:beer:
I've been doing some calculations(again) as I suddenly thought my target of £11750 is nearly £1000 a month...Now, as I expect the absolute maximum I can save in any month is £800, (and that will be rare), with a fair wind behind me and nothing unexpected jumping out of the woodwork to bite me on the bum, I can only think that I thought 2012 would have more than the standard 12 months in it. WHAT WAS I THINKING??

Hmmm...to change the target or not to change? that is the question. Do I start the year with a guaranteed failure or do I challenge myself, my ingenuity, my piggy bank (pennies only) and put the cats on starvation rations (as well as myself).....??

Do I start by NOT visiting the sales tomorrow....?? Gulp! :eek: What actually do I NEED?? Perhaps I start by losing some weight so I can fit into the practically brand new clothes I already have hanging in the wardrobe?

I can't see how, even living more frugally than I do, I can save £11750, but I've decided to give it a whirl. If I fail, so what?...I'll aim to get closer to that than the £8200 that seems to be achievable on paper anyway.

So, after much cogitation, and even some thinking...I'll keep my target at £11,750. It will be interesting (to me anyway) to see how far I get...

Thanks for reading...all frugal suggestions welcomed! I'm already scanning the OS boards and in the grocery challenge etc etc, but if there's a way to use my neighbour's electrickery, and if anyone can teach me how to syphon diesel from car tanks under cover of darkness, I'll be very grateful :rotfl:

Tilly_MFW_in_6_YRS

Evening LavenderBees, I would definitely stick with the higher target. This will almost certainly focus the mind more on not spending. Not sure about leccy and car fuel, but if my Dad had still been alive, he would have laughed. Best wishes Tilly

madeupname1

skint_spice wrote: »

Can I join too please? I will aim for £4000.

Hello and welcome new 2012 MFW no 96! :jYou have been added to the list and we look forward to seeing your updates throughout the year

ulstertiger

I want to join this one. I Have about £113000 still to pay and my rate is 4.9% but the period is up in august and should drop my montly payment by £100. I will keep the payments the same and that will mean I should overpay atleast £400 this year and £1200 everyyear without noticing it!

Just need to get started! i'll have to read all the diaries and get organised

gallygirl

LavenderBees wrote: »

if there's a way to use my neighbour's electrickery, and if anyone can teach me how to syphon diesel from car tanks under cover of darkness, I'll be very grateful :rotfl:

I'll PM you :rotfl:;):rotfl:

madeupname1

LavenderBees wrote: »

... but I've decided to give it a whirl. If I fail, so what?...

I admire your spirit and something tells me your gonna do it (even without syphoning off the neighbour's electricity / diesel)!!

LavenderBees

gallygirl wrote: »

I'll PM you :rotfl:;):rotfl:

Ah, my dear! Just spluttered cheap red wine over my laptop!:rotfl::T

Give me a lol warning next time.:rotfl::rotfl::rotfl:

madeupname1

ohhh dear - I missed a couple. Welcome to elantan (2012 MFW no 97) and ulstertiger (2012 MFW no 98). Great to see all the new activity. All welcome, right up to 31 December 2012 (but it would be nice to see you before then) !!!:)

Tilly_MFW_in_6_YRS

Just two more to go then........come on any lurkers, join and let's see what we can achieve in 2012.

Best wishes Tilly

madeupname1

Tilly_MFW_in_6_YRS wrote: »

Just two more to go then........come on any lurkers, join and let's see what we can achieve in 2012.

Best wishes Tilly

Actually, the wilsons are already at no. 99 so the next 2012 MFW will get the coveted number 100 spot!!