Meet the frugal's, 365 day challenge of buying nothing.

TurnaroundSue

Mortgagefreeforme wrote: »

Jet I think this is the pphone no for Love film that you were looking for :08000911514

Lauren, can I ask where you reckon your biggest saving has been so far? We have a very small budget, but since reading your thread I have found inspiration to cut back and save even more. I find I am missing papers the most, what are you finding it hardest not to buy?

You can read papers on line - so can still have your daily fix but at no cost :j

Mortgagefreeforme

Thankyou TurnaroundSue, I know what I'll be doing tonight!

lauren_1

Thank you gordon brown for upping child benefit and tax credits but i have lost my 10% tax bracket but still better off by about 300

pigpen

I've not heard anything about the tax credits yet but get an extra £1 or so on the child benefit.. plus hubby has a small payrise which the tax credits people aren't taking into account as it is so small.. so we are ok for another year.. these here debts will fly away pretty quick!

Every penny helps!!

lauren_1

http://tax.kpmg.co.uk/KPMGBudgetcalculator.htm

Try this the 2007 budget calculator.

pigpen

according to that we will be £135.11 a month worse off.. blooming typical!!

That doesn't take into account the fact I'll have another £1 a week council tax + an extra £120 water this year + £15.50 a week to pay on school meals from September as another moves up to high school... I may be enforcing packed lunches!.. £41 a week is way too much to pay on dinners and I could feed us all for that!. Not giving much away are they??

Best get ebaying more junk lol

lauren_1

Ok after our brilliant month OH and I ploughed our new found savings together and paid a huge chunk off of our debts, i didnt realise how much OH has been stashing away:j We paid £300 off my sonycard, and extra £25 off his overdraft (finally got lloyds to up his payments to a flexible amount as they wanted to keep him at a fixed £25 per month and start interest charges:mad:) paid a bit off more off his loan he has finally come back to me with an actual figure and that will be the main debt to focus on with the car boot money as it's 17.9% apr :eek:

I must point out it was his ex wife that advised him to take out the loan and not me and she was supposed to be a finance assistant:rotfl: .......:eek:

pigpen

Excellent chunk off there!! Well done OH and his squirreling!!

That is another reason why she is the EX wife not the current one lol.. scary to think what kinds of mess she has helped other people get INTO with her advice!!

lauren_1

Lol i think the getting herself bankrupt for £5k then trying to sue us for £128k might give you an insight in to how stupid this bint actually is!

pigpen

lol.. oh yes that kind of illustrates it!! .. bet OH doesn't know what hit him going from that to frugal you!! lol