2008 - Live on £4000 for a full year.

Frugaldom

The following is copied from post 1 - please let me know via private message if your name is missing, miss-spelled or if you have made any adjustments to your target amounts. Thank you

2008 CHALLENGER LIST

001. Nykmedia - £4000
002. Whitetigeress333 - £3920
003. Notanothergreyhair - £4000
004. Mini_huny_money - £4000
005. Penny2myname - £4000
006. Hypno06 - £4000
007. Impomdasp - £5000
008. Whitewing - £5300
009. LoadedIWish - £4000
010. Tigerseye - £4000
011. Oliveoyl - £4000
012. Funbrum - £4000
013. Tryingtodobetter - £5000
014. 87p - £4000
015. Cranky40 - £5000
016. Bluesteel705 - £4000
017. Chewits - £4000
018. Prudent - £5500
019. Shell37 - £4000
020. Juliejay - £5000
021. Azjh77 - £4650
022. Nicola1982 - £4000
023. Rachyp - £4000
024. Kiki - £5300
025. McSaver - £3000
026. Pollydaydream - £4000
027. Maverickangel - £4000
028. Loadedlaura - £4000
029. Kayharcombe - £4000
030. Buffythedebtslayer - £4560
031. Flowerofthewest - £4000
032. Mollymop5 - £4000 + Child Benefit
033. DdraigGoch - £4000
034. Shazrobo - £5000
035. 1274 - £4000
036. Always_amazed - £4000
037. Protogenia - £4500
038. Georgiasmum - £5200
039. Chaddee - £4000
040. Chriz1000 - £4000
041. Bigbullyweedave - £6000
042. Affordmylife - £5000
043. Liuhut - £6000
044. Cumbrianmum - £4000
045. Che75 - £4000
046. Sweetpea03 - £4900
047. Scorpio04 - £4000
048. Broke mum of three - £4000
049. Artnoble - £4000
050. Barole - £4000
051. Ephemera - £4000
052. Liloandstitch - £4000
053. LyndaSharp - £3500
054. Sassamac - £4000 + Child Benefit
055. Sue09 - £6000
056. Don't want to be in debt - £6760
057. Princess Leia - £6200
058. Saverram - £4000
059. Sashacat - £4000
060. Whiskylizzie - £4000
061. Slackster - £4000
062. Jamiedodger - £4000
063. Whitevanwoman - £4000
064. Skintwellie - £5000
065. Fairywings - £5000
066. Sos999 - £4000
067. JacksXXX - £10000
068. Keren29 - £3800
069. OldMcDonald - £4000 + Child Benefit
070. Mah_Jong - £3500
071. Hardup Hester - £4000
072. Miss_Pink - £4000
073. Grunnie - £4000
074. Rafiki - £4000
075. Catzine - £5000
076. Andromache - £2750 (student)
077. Doom_and_Gloom - £3000
078. Tracey04 - £4000
079. Wherediditallgo - £4000
080. Sallyrsm - £4000
081. Wornoutmumoftwo - £4000 + Child Benefit
082. Lexxi - £4000
083. NEGirl - £5000
084. Mumzyof2 - £4000
085. Truthseeker - £1500 (a teenage budget - I am most impressed!)
086. FrankieM - £4000 + Child Benefit
087. JustKeepSwimming - £5200
088. RedMel1621 - £5200
089. Blackfairykitten - £5000
090. Funkyfunkymonkey - £4000
091. Carlsberg - £4000
092. Nate123 - £4000
093. DJenks - £4000 + Child Benefit
094. Miss Empty Piggy - £4000
095. Micron - £4000
096. Hopeless_Spendthrift - £4000
097. The_Cat - £5800 inc Child Benefit
098. Fallen Angel Shelley - £4000
099. Carolinabirichina - £5000
100. Bails - £4000
101. Debrag - £3000
102. LittleMissClimsy - £5000
103. Gem2509 - £4000
104. LMac - £4000
105. LollopyBear - £4000
106. Slowlyfading - £4000
107. IHateDebt - £4000
108. Frugal Fox - £4000
109. Looby-Loo - £4000 + Child Benefit
110. LingoJingo - £5000 inc Child Benefit
111. Fizzel81 - £4000 + Child Benefit
112. Summertea - £4000
113. Jammiejen - £4000
114. Jay1 - £4000
115. Yoshimi2306 - £5720
116. Janey51 - £4000
117. Freyaluck - £4000
118. DJJoJoJuice - £4000 (£3836.07 from start date 15/01/08)
119. Frugalmum - £4000 (£3836.07 from start date 15/01/08)
120. Lysasparkles - £3,500 (from 16/01/08)
121. Shelovestobuystuff - £3,700
122. Angelofthenorth - £4000 (from 17/01/08)
123. Mama67 - £3661 (from 01/02/08)
124. BigEars - £3661 (from 01/02/08)
125. Paul Varjak - £3661 plus disabled vehicle expenses (from 01/02/08)
126. Stefejb - £3661 (from 01/02/08)

Frugaldom

Janey51 wrote: »

I am going to be £180 a month better off than I thought :j I got this month's out of the bank and paid £80 into my Post Office Instant Saver and £100 into my Visa Electron to transfer to my Yorkshire Savings Account.:j

Janey, this is FANTASTIC news! Well done! I can see you heading towards fulltime frugaling already! Aaaaaaaah the NYK broody hen effect - another of my little chicks making me so proud :T

BigEars_2

Hello! I'm off out now to do some tutoring but just wanted to say hi and thanks for letting me join in
Will be back in a few hours with (I'm sure) tons of questions plus my plans for the year....I'm looking forward to the challenge!
BE x

Janey51

Need advice about 2 dilemmas really.

1. Thinking about joining "Sealed Pot Challenge" as I already have lots of little "unsealed" pots but what about the lost interest that could be earned by salting this money away at the end of each month?

2. Nights are getting lighter, ergo, lights need to be on less but, the quickest way to warm our living room up (old house) is to close the shutters and then I need the light on to see. So, warmth or light

Should add we have a log burner and only use the central heating (oil) when our fingers turn blue.
We're tough north of the border:D

BigEars_2

Janey, do you have energy saving lightbulbs? This could be a compromise as they use less electricity....
Other than I have no idea but just to give you lots of sympathy - we used to have no central heating, man it was cold cold cold!!
BE x

georgiasmum

Just wanted to share that on a very positive note, due to doing this mad challenge and the grocery challenge I have managed to pay £915 off my debts. They are small debts but I wanted to be rid of them within 18 months but will now be free in 9 months due to my madness/economising....
On a very depressing note my DH has rejected my economical ways despite his initial enthusiasm. He has returned to his old vice of gambling and I feel very sad. He is remorseful and I have confiscated his debit card. I am grateful that our finances are separate and that we have no joint loans and that the house is mine (I bought it before we met) but I am terribly sad that I am a married woman and it has to be this way.

It's a bit pathetic posting on a chat forum but I cannot talk to ayone about this. He is very tricky to talk to about it as well and he gets defensive and a bit 'nasty' if I press him to much or talk about getting help. The sums involved are comparatively small but he doesn't earn a lot and his squandering makes me resentful because I am left to shoulder all the household bills alone. The situation is complicated by the fact that he has a chronic illness and spends a fair amount of time in hospital. On the plus side his employer is supportive of him and his illness and I can manage if I am careful but I am lonely feel that I am struggling to do this 'frugal' challenge without a bit of encouragement.

Sorry to moan but I was feeling a bit tearful and I thought writing it down would really help. Everyone is doing really well and I am amazed by what you all manage!

BigEars_2

Georgia's mum, I know it feels weird posting to a lot of strangers but I think it really helps so don't feel pathetic - you're getting it off your chest without rowing with the hubby and that's got to be good
You've done so well and even if he went back to his old ways, at least you got him thinking about it. Is there anyone he looks up to or respects that you could have a very confidential chat with, like a relative or something who might step in? It doesn't seem fair that you've got a partnership where one person does everything and shoulders all the burdens....
Chin up though, you're certainly in the right place and starting to tackle your debts :T - your OH will have his light bulb moment one day I'm sure and then you'll have loads of tips for him!
BE x

Ellidee

Aww georgiasmum don't know what to say but sending you a dodgy hug. :grouphug: Sometimes just 'venting' on here can help. X

liuhut

Georgiasmum - to have paid £915 off your debts is a fantastic acheivement....sorry have got no usefull things to say to deal with your OH but dont worry about coming on here to vent and its def better out than in!!!

Mollymop5

Hi everyone does anyone know much about credit checks? I posted on dfw board for some advice but noones answering as yet.If anyone has looked at their own report and can help will you takea look at my post pleaseas i don't want to hijack ths thread.Thanks Mollymop