2022 Frugal Living Challenge

mumof3.12kindebt

Good evening / morning all. 

I've done my budget for next year. My main 3 financial goals are to cash fund everything build a 3 month emergency fund and overpay the mortgage I'd love to get the mortgage into 5 figures by the end of next year. 

I'm a little shocked at our predicted outgoings but I know from cash budgeting and noting down all spends since Sept what we are spending on average and we haven't been buying anything extra we really have been trying our best to be as frugal as we can be 

willow_loulou

I can’t bring myself to think about next years budget yet. This years went out of the window so many times I just tried to be as frugal as possible. 

My main aim was paying of my loan which I did so that gives me more wriggle room next year. 

I hope thats the last of the rain for a while, my garden is awash. 

I have made the tough decision that my current chicken will be my last. When she had passed I’ll get rid of anything poultry related, it’s just so upsetting seeing her stressed being shut in even with toys and things to occupy her. 

Elisheba

I've done a draft of next year's budget, but its hard as although my pay-rise has now been approved I don't know how much it will be after tax, NI, student loan, pension etc. I probably won't know that until the end of January tbh, as I'll get the back pay at the end of December so that'll confuse all the figures.  I'm also not sure how the government's upcoming budget will affect things, and if the NI decrease will stay or not. So very much up in the air, but at least I can decide how much I'll need to put aside for various things, and to pay off debt/save a deposit etc.  Everything after that can be updated as and when I can.

sweetpea26

My plan for the new year is to log everything we spend and trim everything down to the minimum.  We'd like to put in new shower unit and toilet so that's our first major goal.
We.have guttering that needs attention as well so we need play it tight.

Lots of support and focus on this thread. Thank you

-taff

willow_loulou said:

I can’t bring myself to think about next years budget yet. This years went out of the window so many times I just tried to be as frugal as possible. 

My main aim was paying of my loan which I did so that gives me more wriggle room next year. 

I hope thats the last of the rain for a while, my garden is awash. 

I have made the tough decision that my current chicken will be my last. When she had passed I’ll get rid of anything poultry related, it’s just so upsetting seeing her stressed being shut in even with toys and things to occupy her. 

Or get another one to keep her company? Or an egg to pretend brood over?

DawnW

willow_loulou said:

I can’t bring myself to think about next years budget yet. This years went out of the window so many times I just tried to be as frugal as possible. 

My main aim was paying of my loan which I did so that gives me more wriggle room next year. 

I hope thats the last of the rain for a while, my garden is awash. 

I have made the tough decision that my current chicken will be my last. When she had passed I’ll get rid of anything poultry related, it’s just so upsetting seeing her stressed being shut in even with toys and things to occupy her. 

I kept chickens and other poultry for over 30 years. I made the difficult decision to rehome the last two a few years ago, because I felt I couldn't give them the space I would like to in our smaller garden after we moved. I miss them, and would love to have them again, but would not do so under the current conditions where they have to be shut up for months on end

I assume free range eggs will become a thing of the past too?

Primrose

Not sure whether this is the right pace for an observation but after two or three years  of not buying it we thought a jar of Horlicks  would be a useful comfort hot drink for warming up chilly winter evenings.
Bought a jar yesterday and have just made ourselves some..
What a bitter disappointment!
The flavour seems to have been completely re-engineered and it tastes nothing like the old formula I remember .
Defi itely won,t be buying this product again.   Manufacturers mess with well known brands at their peril in my view!

bear14

Heya folks, just caught up on the entire posts. You are all very inspiring people. I would love to join in if you will have me. 

otb666

i have a street light on outside my lounge window which lights up my lounge, i live in a quiet cul da sac But for some reason the council i live in deem it necessary and same council have turned off main street lighting along main streets but kept the cul de sac ones on.  Handy for me.  I am still trying to wash less but as its going to be mild and no rain next few days will do my big washes.  Opening oven door after use to heat room also. No ironing My hair has gone really nice since stopped washing it so often. Tried cooking a pie when roast was in but the pie was not very nice re heated next day so wont be doing that again. Drink water rather than have tea or coffee. I am feeling alot better since giving up smoking and coffee which is a plus no more migraines

Bluegreen143

I think it does help if they have chicken pals, my three definitely prefer to have the run of the garden but they seem OK in their run too together. But they have a very big run to scratch about in and we’ve got bits and bobs in their for them.