2008 - Live on £4000 for a full year.

LollopyBear

nykmedia wrote: »

We closed the doors on entry to this extremely, exclusive, completely wacky challenge at New Year. However, you did say, 'please' and you have put a picture in my mind of a lollopy teddy bear that looks fun to have around, so I shall go and squeeze you into the challengers' list on the agreement that you promose to live a frugal life, pay bills before savings and behave like a lunatic in the company of fellow online 4k challengers Welcome to OUR world - where every penny counts, even if you find it on the pavement :rotfl:

Has everyone checked post one to make sure their names and targets are listed?

NYK WACKY HINTS & TIPS - Don't think of what you spent, focus on what there is left and budget it to last a year.
Tick, tock... only time will tell how well you have budgeted :T

Thank you very much. I promise faithfully to live a very frugal life this year Cross my heart. *goes off to create sig*

Jan 1st was a total non-spend day.
Today my direct debit for Healthy Pets club (pay £7.99 a month to vets and it covers all flea and worm treatment, vaccinations, weight checks etc. for free throughout the year. Works out a bit cheaper and it isn't a sudden big bill) and TV license at £11.61 left my account.

Total: £19.60

Also milk at 92p, Cling film at 69p and posted a card to USA so a stamp of 78p.

Total: £2.39
Grand total: £21.99

Not too bad, but I should be having another no spend day tomorrow!

liloandstitch

Hi, great to read how positive everyone is being - I have 2 questions if I may

The first is to the person with the oyster card - We have them, but have never used them. We will be in London this month to visit IVF clinic and need to do the journey by bus - can I load the card before hand and if so how?

The second is how do people deal with kids birthday presents for parties - We are attending one in January, obviously arranged by hardened MSE people - 3 of them have clubbed together for one party!! So, 3 presents for 1 party - now call me mean...but this is going to cost me quite a bit - I bought the presents today, even buying sale gifts it cost me £13.97 - I dont feel I can be too mean - what do other people think?

I cant update my spends yet, as I rashly agreed to this challenge without working out my figures, although I know they are there or there about, I havent worked it exact yet
Lilo

Frugaldom

I'm one of those 'grab a bargain when it's available' people, so would normally rake to see what I had already. This is an obsession that has come about as a result of being in the, 'why are there always bargains when I have no cash' club for so long LOL Anyway, my 4k budget allows for £500 of gift shopping throughout the year (including Christmas) so I'd just deduct it from my overall total and readjust my weekly allowance accordingly.

I can't comment on Oyster as I hadn't heard about it before today

Have a good time in London and good luck at the IVF clinic!

OK, g'night all, I'm off to take the late meter reading then go watch some free entertainment on TV

NYK WACKY HINTS & TIPS - Never turn down a freebie, no matter how ludicrous it sounds, your gift horse might just turn out to be a winner. At worst, you can [STRIKE]give it away[/STRIKE] sell it if it's useless

debrag

does scotland not get English news or is it that england don't get london news lol

debrag

liloandstitch wrote: »

The first is to the person with the oyster card - We have them, but have never used them. We will be in London this month to visit IVF clinic and need to do the journey by bus - can I load the card before hand and if so how?

these can be loaded at:
At most Tube station ticket offices
At over 2,200 Oyster Ticket Stops across London
At London Overground station ticket offices
At some National Rail ticket offices

mini_huny_money

nykmedia wrote: »

What's 'Oyster'? Please don't tell me it's a shellfish, cos I already know that Was just wondering what cost £10 n being nosy, really :rotfl:

was wondering too.......I thought debrag had spent ten quid on an Oyster.......was wondering if I was on the ......

live on 4K a MONTH challenge..... :rotfl:

a no actual spend day for me except for most of the DD's coming out,Wish they all came out on the 1st of the month, but still trickling away till the 5th

(edited) also took my first gas reading, means zilch, the last figure is a 7....nyk yours looks so easy to read, have got a power reading in my spreadsheet, cant see the leccy one, too awkward ....will have to wait for daylight

Had a great birthday.....OH ( as well as buying me one of Martins books at chrissie) gave me the thrifty ways for modern days book :money:

lunch at Spanish Tapas restaurant in Glasgow, spotted a celebrity....well I didnt but OH did.

DS gave me wine and choccies and 20 quid in a card....

have made up my lunch for tomorrow........back to auld claes and porridge!!!!!. cubes of the cheese left over from the cheeseboard selection, grapes, black olives and garlic mayo.

Downside of havin a birthday on the 2nd is thats it!!!!! All celebrating and get given lots of goodies is over for this year

mini_huny_money

just redeemed a ten pounds voucher from lightspeed (online surveys)for Arcadia Group ( Dorothy Perkins, Top Shop etc)....has anyone redeemed from lightspeed before.

My pigsback voucher came 3 days after redeeming it. First time Ive redeemed from |Lightspeed though. Was gonnae go for the Boots voucher but I rarely buy from Boots....much prefer Bodycare and Savers. I reckon I;ll keep the voucher for spring, when I know i;ll need...sorry WANT to buy clothes

Rafiki_2

Just a real quickie...

I looked at www.spendingdiary.com a while ago and dismissed it - considering it too simplistic for my (ego) complicated life.

Oh, the lessons we learn.

However I have just signed up to use it for the sole purpose of tracking my expenditure whilst I am at work. I work in the City and it is frightening how one can just pop out and voila, £15 is suddenly gone. :eek:

However, now I am running it, it's fun!! :j

Day to day; week to week; month to month, I can see what I am costing myself whilst I am at work - brilliant!

Talking of work, I'm there now so signature / spend updates will need to be updated later - must dash!

princess_leia_3

Morning all, got to pay Catalogue bill today so I will add that to my sig once I have worked out how little I can get away with
Hopefully the rest of the day should be spend free again

Burlesque_Babe

£5.00 for me today. Registered and deposited the minimum with Foxy bingo. It means though I get 2000 piggy points with Pgisback which means I can get £20 of Boots vouchers to spend on a few presents throughout the year.