2008 - Live on £4000 for a full year.

Frugaldom

mumzyof2 wrote: »

nyk when does the week end for this challenge iam confused, is it tuesday new start of the week or tomo? i hope tomo i need to go shopping hahahaha

Hi Mumzy,

You can run your weeks any way you like so long as you budget for the entire year. If starting on a Monday is easiest for you then tomorrow is the first day of your week 2.

For anyone else who may be unsure, the challenge covers all your spending between 1st January and 31st December 2008, so spend however and whenever suits your budget but make sure you have budgeted enough to last the full year.

I have a desk diary for marking up all my expenses plus I have now registered to use www.spendingdiary.com so I can track my savings as well.

princess_leia_3

nykmedia wrote: »

Catz, I hope all goes well with your daughter and good luck with the new job

www.spendingdiary.com is BRILLIANT! I hadn't even heard of it until reading about it on here, thank you to all who have made mention of it. Makes life so much easier now

Ditto, just signed up and its great

mumzyof2

nyk thanks. guna try and go tomo night when my oh gets home from sorting his debt out at bank grr they put 200 charges on his unplanned overdraft (he know longer uses the bank) in one month..we rang them today as they charging us £20 a day..and we want to pay £70 a month back but we explained that if they kept charging us £20 a day and we paid £70 a month then we would never get rid of the debt..we asked for them to stop the charges and we would pay as much as we can £70plus and she said no. and to go into the branch tomo so he is doing tomo
anyone got any advice?????

liuhut

Catz hope you DD is OK.

I've been doing a bit of Matched betting today and am £65 up now!! Am going to leave the money on the various bookie sites to start with and then put it straight into my savings!

princess_leia_3

mumzyof2 wrote: »

nyk thanks. guna try and go tomo night when my oh gets home from sorting his debt out at bank grr they put 200 charges on his unplanned overdraft (he know longer uses the bank) in one month..we rang them today as they charging us £20 a day..and we want to pay £70 a month back but we explained that if they kept charging us £20 a day and we paid £70 a month then we would never get rid of the debt..we asked for them to stop the charges and we would pay as much as we can £70plus and she said no. and to go into the branch tomo so he is doing tomo
anyone got any advice?????

What a nightmare! Its not the Halifax is it My only suggestion would be to open a new current accoun with overdraft on it and use that OD to pay the old one off to stop the charges then pay that off with the £70 per month!
Good luck

mumzyof2

LLoyds it is..dont think they will give my oh a overdraft as he is unemployed at mo

princess_leia_3

Oh, no they prob won't! Maybe face to face will help in this situation and hopefully they will stop the charges for you even if he suggests for the next 6 months or so????

FunBrum

Jacks_xxx wrote: »

:wave: I need to have a proper catch up with everybody later, but for now I'll just update and run.

Bought £49.09 worth of my staples.

PLUS

Replaced some Herbs, spices, worcester sauce, soya sauce and stock cubes etc to the tune of £7.21

Bought Braising Steak for the goulash I want to learn to cook this week £3.69 (Anybody got a favourite Goulash recipe they’d like to share?)

Bought what I hope is at least 6 months worth of shower gel for £9.92 (500ml Sanex on BOGOF at Tesco)

Bought 24 condoms cos they were BOGOF too! £7.98

Bought a new tap, £16.99 (now we have slightly odd taps but hey ho! The old tap is 50 years old and I don’t have the time or the money to trawl through reclamation yards to find its identical twin. )

Bought a new immersion heater £16.99

and a tool to fit it with £2.99

£114.96.

Not bad for Day Four!

£9885.14 left - 361 days to go!

Love Jacks xxx

Condoms!!! LOL :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: enjoy!!!

mumzyof2

FunBrum wrote: »

Condoms!!! LOL :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: enjoy!!!

aint they cheaper from your docs? family planning? THERE FREE

kayharcombe

Mumzy, I read on another thread that banks cannot deduct charges from benefit money, as its supposed to be the minimum you have to live on. Maybe if no joy you can go to citizens advice, or try the benefits agency who deals with your OH. My local council has a benefits advice line and a law centre run by the council, so you could try locally on your councils website if theres an advice centre.

Hope you get sorted soon, must be worrying for you both, They do like to turn screws and wind people up, I think youre making a more than reasonable offer as he`s on benefits. If they went to court they would get £2 a week.

Kay