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Champagne Lifestyle on a Lemonade Budget.

edited 11 November 2018 at 12:35PM in Old Style MoneySaving
2.8K replies 512.5K views
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Replies

  • Sun_AddictSun_Addict Forumite
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    Happy New Year folks :)

    I love the fresh start feel of new year.

    I love your word for the year lesson learned. Didn't there used to be a perfume called Panache back in the 70s or early 80s? Those were the days when hardly anyone wore designer perfume.

    Sadly for me I'm back at work tomorrow, although I love my job so not really complaining.
    Virtual Sealed Pot 2020 £600
    Emergency Fund £5000/£10,000
    October NSD:
  • candygirlcandygirl Forumite
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    Sun_Addict wrote: »
    Happy New Year folks :)

    I love the fresh start feel of new year.

    I love your word for the year lesson learned. Didn't there used to be a perfume called Panache back in the 70s or early 80s? Those were the days when hardly anyone wore designer perfume.

    Sadly for me I'm back at work tomorrow, although I love my job so not really complaining.

    Yep I remember Panache, n Blase :rotfl:
    "You can't stop the waves, but you can learn to surf"

    (Kabat-Zinn 2004):D:D:D
  • lessonlearnedlessonlearned Forumite
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    I've been Money Tipped!
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    Just googled them....apparently they are still in production. :rotfl:
  • candygirlcandygirl Forumite
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    Just googled them....apparently they are still in production. :rotfl:

    Omg no way!!! :eek::rotfl:
    "You can't stop the waves, but you can learn to surf"

    (Kabat-Zinn 2004):D:D:D
  • lessonlearnedlessonlearned Forumite
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    Yes way, lol.

    Anyway festive fun and frolics over its time to get down to business. Reviewed the budget again and need to make some changes. I also need to get cracking and try and make some extra income.

    I am fortunate in that I have no debt but I do have a small mortgage and ideally would like to make some overpayments, as well as replenishing the house renovation budget which took a battering with the overspend on the new bathroom. All the while, of course, trying to live it large on nowt. :rotfl:

    Anyway today will be another no spend day as I'm going to Take down the decorations and have a good tidy up in readiness to start the big declutter at the weekend.

    This time I'm going to be ruthless. I have far too much stuff.

    Tomorrow I shall be a lady wot lunches. Going to visit a local marina where there are lots of nice quirky little shops and some great restaurants.
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • edited 2 January 2019 at 8:36AM
    moneyistooshorttomentionmoneyistooshorttomention
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    edited 2 January 2019 at 8:36AM
    I guess it depends on our commitments and outgoings. We are all different.

    I was thinking - well I've got a bit more income, but that extra "bit" all goes on Home Visits at intervals at a cost of hundreds of £s each time (as where I live isn't where I came from - so I have to visit for parents/best friend/clothes-shopping/catching up on the "eating out" facilities I'm used to) and social life costs me noticeably more (as there aren't any free social events here v. the rather a lot of free social events I've been used to).

    So it evens out for many of us...more money, but the extra expenses of "living in the country".
  • humptydumptybitshumptydumptybits Forumite
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    Yes way, lol.

    Anyway festive fun and frolics over its time to get down to business. Reviewed the budget again and need to make some changes. I also need to get cracking and try and make some extra income.

    I am fortunate in that I have no debt but I do have a small mortgage and ideally would like to make some overpayments, as well as replenishing the house renovation budget which took a battering with the overspend on the new bathroom. All the while, of course, trying to live it large on nowt. :rotfl:

    Anyway today will be another no spend day as I'm going to Take down the decorations and have a good tidy up in readiness to start the big declutter at the weekend.

    This time I'm going to be ruthless. I have far too much stuff.

    Tomorrow I shall be a lady wot lunches. Going to visit a local marina where there are lots of nice quirky little shops and some great restaurants.


    I'm having a no spend day courtesy of a stinking cold that means I'm not going out. Good for the budget but I wouldn't really recommend it :rotfl:
  • SiebrieSiebrie Forumite
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    We have about €1,300 left per month after the mortgage is paid, now that I no longer work. Surely that should be enough for a family of four. We are trying to save for either a large renovation or a move, and want to go on vacation to either West Africa (where husband is from) or the Alps (I want to show my family the beauty) this year. Otherwise, we are set.

    Visits to hometown, where parents, family and friends live, are done with busband's company car, and we stay at parents' or sis in law's place. Plenty of free or cheap activities there. None here :(

    We have filled up the car with hometown shopping :D produce and groceries are way cheaper in hometown, and c&a had a 'buy three pay one' deal, so husband bought work clothes for the next year.
    Wombabeluba 2020! € 124,28 = £ 61.09
    2019's wi-wa-wombles € 2.244,20 = £ 1,909.46
    Wombling to wealth 2018 € 972,97 = £ 879.54
    Still a womble 2017 #25 € 7.116,68 = £ 6,309.50
    Wombling Free 2016 #2 € 3.483,31 = £ 2,969.05
  • humptydumptybitshumptydumptybits Forumite
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    Siebrie wrote: »
    We have about €1,300 left per month after the mortgage is paid, now that I no longer work. Surely that should be enough for a family of four. We are trying to save for either a large renovation or a move, and want to go on vacation to either West Africa (where husband is from) or the Alps (I want to show my family the beauty) this year. Otherwise, we are set.

    Visits to hometown, where parents, family and friends live, are done with busband's company car, and we stay at parents' or sis in law's place. Plenty of free or cheap activities there. None here :(

    We have filled up the car with hometown shopping :D produce and groceries are way cheaper in hometown, and c&a had a 'buy three pay one' deal, so husband bought work clothes for the next year.


    My cold is definitely affecting my brain. I read that as you had £1.30 to last the month and was a bit :eek: at the idea of it feeding a family of 4. I think I need a lie down.
  • caronccaronc Forumite
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    Good morning everyone,
    Lots of "champagne moments" over the past couple of weeks:).

    2019 and budget is more or less finalised, after a year of working with allocating specific amounts for irregular spends into "virtual pots" I've a better idea of how accurate my original forecast was I also need to tweak for the cost of fuel for my stove.
    Broadly my income is divided up as follows - 45% is spent of my mortgage, council tax and bills, 35% gets saved into my various pots and 20% covers my food, taxi fares and socialising. It worked well for me last year and hopefully will during 2019.
    My "champagne moment" for today will be some me time tonight in a tidy house:). There is a glass or so of wine needing used up, it would be a shame to waste it;)

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