Enjoying the Sunshine whilst Saving for the Rainy Day

debtfreewannabe321

slm6002 wrote: »

sorry to hear you were and still are poorly - hope it completely goes soon. My hoover gave up to and i have replaced it with the argos value upright hoover which is fantastic - so much better than my previous 2 - would def recommend

They do a value range of hoovers?? :eek: well I did not know this! Bit late now as mine has been dispatched :cool: I paid 99 for this one, supposedly good for allergy sufferers and half price so it had better be good now. I also chose it as it is teeny compared with the old one and is light. I would often put off hoovering upstairs before as the other one would put my back out lol so read hundreds of reviews before plunging for it

debtfreewannabe321

G'morning!

I've decided not to join the frugal living challenge, purely because the thread moves so quick and I just know I will have trouble keeping up and then drift away from it . But I have set my own budgets so I am sort of still doing it :beer:. Not sure if it counts as frugal though :rotfl: but we are working within our wages, income etc so as long as we stick to it I think it will be ok. We've agreed on no holiday again this year but I think we might need a break away somewhere so might have to re-jig figures a little. It's also a very quick calculation based on money the same each month but I know this won't happen especially during August, but I'm going to try and make up for shortfalls in the other months....:cool:

Here is my break down of projected spends this year:

Groceries -dog, food for my family of 5 plus 3 kids, 4 days a week, we buy locally where we can with meat & veg & fruit and shop wherever we have discounts for or ald1, all toiletries & makeup - £5856.
Entertainment- Mobiles x2 (plus insurances), virgin, house phone, t.v license, internet, pocket money for son & myself, - £3689.44.
Car- insurance, petrol, tax, Mot & servicing costs (petrol guzzling 2.5l engine!)- £2680
Clothing & shoes for 5 -no money in there for January as I knew everyone had enough things, money went towards hoover instead-£1100
Kids- School trips I know about already, savings funds, youth clubs & dance school- £910
Utilities- £973

Total spends- £15208.44

Projected Savings-

ISA -for a house deposit-£7200
Emergency Fund- £1800
Christmas- £1080
Rental Fund- £720

Total Savings- £10800

please-let-me-be-lucky

So organised! Well done. Scary to see annual spend figure written down like that though!! No wonder we all have no money!! Xx

pennywisepoundstupid

Morning DFW, so sorry to hear you have been feeling Ill over Christmas, I hope your back to feeling your old self very soon.

I agree with plmbl, it makes scary reading when you see annual figures in black and white.

Take care pwps.x.

debtfreewannabe321

please-let-me-be-lucky wrote: »

So organised! Well done. Scary to see annual spend figure written down like that though!! No wonder we all have no money!! Xx

I know :eek: I double checked a few calculations even though the spreadsheet had done it for me :rotfl: but nope it was right and it's shocking how much we spend. But then if we only had half the income we just wouldn't save and we'd cut back to the basics (as we've done before) so I know it can be cut back but after 3 years of struggling i'm happy (i think) with the budget atm

grannyx2

You sound as though you are feeling better today. Sorry to hear you were unwell over Christmas. You seem super organised with your plans for savings this year.

Agree, quite scary to see the figures written as an annual figure, perhaps I'll do the same as it may help to do a revised dmp.

Granny x

debtfreewannabe321

pennywisepoundstupid wrote: »

Morning DFW, so sorry to hear you have been feeling Ill over Christmas, I hope your back to feeling your old self very soon.

I agree with plmbl, it makes scary reading when you see annual figures in black and white.

Take care pwps.x.

It is scary and i feel oddly guilty of posting up my budget when it feels very extravagant to many on here. Or perhaps it's because ours was so cut back too for so long?!

debtfreewannabe321

grannyx2 wrote: »

You sound as though you are feeling better today. Sorry to hear you were unwell over Christmas. You seem super organised with your plans for savings this year.

Agree, quite scary to see the figures written as an annual figure, perhaps I'll do the same as it may help to do a revised dmp.

Granny x

I am determined to get out of this hell hole I have a window of around 15-18 months to save as much as we can before DS1 leaves his current school (end of gcses) so we can move in the summer of 2015 before he starts his a-levels.....ready set go....:p

I saw someone else do an annual budget last year (sorry can't remember who) and I thought it was a good idea :T

debtfreewannabe321

I'm awaiting forms in the post so that I can raise my request of the deposit to a single claim. I have to now find a solicitors to sign the forms for me, it says on the dps site that it should cost £5 or thereabouts so we'll see what i'm quoted. So annoyed, but not surprised at (ex)tenant. She's ignored all communications so far.

Letting agents have emailed me asking me to drop price as there is little to no interest. Perhaps it's just the time of year though? Who wants to move in the few weeks over xmas and new year? I agreed anyway so that's done and hopefully we'll have interest very soon *fingers crossed for me please!*

The sooner it's let out the quicker I can reach my savings targets really and maybe even surpass them (wouldn't that be grand eh!)

LAM2011

Sorry to hear you were ill - hope you are feeling better now.
I like the idea of the annual figures - not sure if I am brave enough to try mine lol. Hope you manage to sell soon x