The Road to Rio......... :)

beanielou

Blimmey Buffy you spend a LOT on your rent.
Even if it icludes some food & the car insurance.

Buffythedebtslayer

pretty cheap for round here, plus I can have pets here! most rentals won't allow it

it is my biggest expense tho.

beanielou

Pity you dident live near me.
You could be my lodger for half the price & have pets too.

Gemmzie

Rent? This it at your mums or if you move out?

Buffythedebtslayer

Gemmzie wrote: »

Rent? This it at your mums or if you move out?

At Mums,

I wouldn't want to sponge so I do pay the going rate - sort of, I have no leccy or gas bills nor council taxes and it does include car insurance.

Buffythedebtslayer

I could definitely cut down the food bill. and when I was massively in debt I didn't have a "beauty" budget - Mum cut my hair!

xx

Buffythedebtslayer

Trying to make cutbacks.......................................

Rent = 750 not going to change

Phone = 30 is normally 20/25.......

Food = 40 x4 = 160 this could be cheaper - some weeks not others. I could batch cook. work out nice lunches instead of buying the meal deals.

Petrol = 30 X 4= 120 this was conservative to start with.

Beauty (!) = 50 I don't know. I should do without really but my skin has improved hugely.

Car = 50

nights out/ weekends away? = £200? this could be cut or come out of my second wage.

Travel = 20 (oyster) don't aways use this. not a monthly cost more an as and when.

pets = 100 (vet savings and 1/2 insurance for the dogs, it might be more tho) this is difficult currently the dogs are not insured.

that makes = £1480

Debts = 221

Hmmm not may cuts to be made really. Not regularly.

I think each month I should be able to
save maybe 50 quid - like not going out, spending less in sainsburys....

I would have 480 left for my wages, 221+480 = 701 (that one pound is going to bug me!) for the loan.

I have a variable wage from my second job which I would use for gifts, union fees, savings.

There are probably gaps. And I have no idea how I would manage this budget. spending diary I guess.............

ugh.

xxx

Buffythedebtslayer

I have been thinking a lot tonight.

And sighing a lot too! I grant you this is partly because my friend's Mum has died and that makes you think about your whole life a little differently.

Also been reading the Frugal Challenge.

Every so often I get to wondering what is really possible in life. It is all possible I guess - one of my rules? a core belief I guess is that if you want something badly enough you will get it. And that whole thing not all of us notice - we actually do get what we put work into. For example I have a wide ranging knowledge of TV - why? I watch it every day! Most of my closest friends are online - why? I don't go and see my friends in real life - essentially they have kids and are busy and I work too much. I do see one or two work friends but my oldest friends....not so much.

I feel my enthusiaum for the debt free life is like the tide, sometimes in and sometimes out. In fact in the thick of term I don't even think about it. And that is a continual problem. sucked into work my life, health and money stuff either ticks over (ahem no) or goes to !!!! !

I so need to get my !!!! together.

I suppose there are positive changes, more friends - men - a good development and much better skin. Passed another bit of the MA. Not sure what is happening there.

And I am mostly out of trouble at work - well for now

And I am off for another weekend next weekend hopefully. :rotfl: (can't believe this is me doing this but it is SO much fun!)

so sleepy now. cocoa but do feel a bit sick still. I like cocoa.

(this is the level of my thought processes right now folks!)

NorthernLas

Happy Christmas Buffy ... have a good one!

rising_from_the_ashes

Gemmzie wrote: »

Rent? This it at your mums or if you move out?

Buffythedebtslayer wrote: »

At Mums,

I wouldn't want to sponge so I do pay the going rate - sort of, I have no leccy or gas bills nor council taxes and it does include car insurance.

Beeping beep :eek: *sits down and feels faint* - that's more than my mortgage & all household bills:eek::eek:

I'm all for paying a fair amount but is this really it?

If you weren't there, would your mum rent the room to someone else for the same / more than this?