2008 - Live on £4000 for a full year.

System

oh no, i am so going to be over budget this month.... i blame the evil backlogged gas bill, too many birthdays, and too many bargains for smuggins, not enough billy worship...

it will all even out though (i hope) cos i was under budget in jan

whitewing

Don't forget wifeswap is on now! (I love watching it but would never be a swapped wife myself - I'd look like a dragon!)

System

whitewing wrote: »

Don't forget wifeswap is on now! (I love watching it but would never be a swapped wife myself - I'd look like a dragon!)

did you hear that? household expenditure of £10,000-12,000 A MONTH!!!

Penny2myName

Think I need to do CA's food budget, DD has just told me she wants to go to Cambridge and do a veterinary course. Still having half attack after printing this coming years costs off, god knows what it will be in 5 yrs time. Doing all the searching now so she knows what options she has to chose next year. They estimate £6-8k livings costs per year, its a 6 yr degree course:eek:

slowlyfading

Jumble-Bee wrote: »

did you hear that? household expenditure of £10,000-12,000 A MONTH!!!

I know, how MAD is that?! :eek::eek::eek:

funkyfunkymonkey

whitewing wrote: »

Don't forget wifeswap is on now! (I love watching it but would never be a swapped wife myself - I'd look like a dragon!)

Thank you for posting a reminder, I would have missed it.

Rather enlightening. I wouldn't live in a camper van, but dumpster diving ... hmmm ....

FFM

Penny2myName

I've know someone who used to do that when he was homeless in London. anyhow the shop where he and others where doing, started ripping things open and contaminating the food with bleach and stuff to curb it. Thing is this is how a lot of homeless people survive

funkyfunkymonkey

Penny2myName wrote: »

I've know someone who used to do that when he was homeless in London. anyhow the shop where he and others where doing, started ripping things open and contaminating the food with bleach and stuff to curb it. Thing is this is how a lot of homeless people survive

That's really mean, no one chooses to be homeless and once in that sort of rut it must be so hard to get out of.

Based on what I saw in Wife Swap the amount of waste in supermarket bins is not 'right'/'ethical' (not sure what word I mean here). I don't see why it can't be free to those that want it like the homeless, however, we can't all be Freegans - you need the front door shoppers to fund the waste that goes out of the back door.

The programme was really thought provoking and I missed quite a bit as my DD and DS had so many questions/comments - this thread has already got us looking at the amount we waste and we have already improved on things.

My heart went out to Danny as it was difficult for him to build relationships at school because that would mean inviting friends home - it was nice to see his parents consider his lifestyle in their future plans.

FFM

justme111

So here is some math.
I assume council tax/ professional expenses/electricity/gas/phone(s)/internet are in essentials and are not included in £4000, am I right?
1. Childcare. Ok there are people with no children, some with grown up ones, some have it to major extent paid by state. I personally pay £400+ per month ( working part time!). £30/day. 8 hors working day, 1 hour comuting time, £3/hour, the chaepest rate. 400x12= £4800, no money left for anything else:D and £800 over the budget. Let's put childcare into essentials as well then?
2. Car. £200 insurance + £180 tax ( ok, I could use smaller car but using bigger one saves me money sometimes - like buyjing second-hand furniture , if I had smaller car I could not collect it and would incur costs in either buying a new one from the store or paying for delivery van etc-, allows me to share the car with another family sometimes, saves money on dIY relocating etc) + £40 MOT + £100 ( actually I spend more but let's assume the one is very clever and lucky with a car)+ petrol, £1080 + the car has to bought and paid for, buying the one at £2000, selling it after 5 years at £1000 still leaves £200/year, = £1800
Or the one does not need a car?
3.personal care .gym/swimming pool subscription £600. , haircuts £100 (once every 3 monthx£25), child's dancing classes £200, toothpastes/toothbrushes £10, shampoos £12, cosmetics £110( 1day+1 night cream £5 each lasting for 3 month + 2 items of decent decorative cosmetics per year - very economical:D , no perfume, baby oil for hands), scissors to cut nails, emery boards, tweezers to plunk unwanted hair, razors and other miscellaneous £50, 2 dental checks and 2 cleanings £100 + 1 filling £80 , food supplements like glutamine/vitamines etc £ 6xmonth=£72, vet for vaccine and pet insurance £110,tampax £30, = £1472
4. shoes/clothes/household items/furniture/ electric appliances.
I think everyone agree "we need" one pair of shoes for each season per year( winter/midseason/summer), I think Clark's quality is decent and not splash at a time, searching for bargins -£25x3= £75.
Underwear - 2 bras and 6 knickers £70 (yeas the bras not per£5, I believe the reasons for it are known . Electrical/electronical things: tv, camera, pc, fridge, washing mashine, tumble dryer, vacuum cleaner, music center. Let's assume the lifespam of each are 4 years. I have allocated a price of £1300 for all these items, it does meen £225 per year expense. There are minor items as well - kettles, tosters, fans, microwaves, blenders, juicers, phones, extension leeds, they do not cost much but they are not free either, £20per year.
consumables - washing powder £20, washing liquid£10, water filtres £50, car wash/wax £10, bin bags£5, paper or cotton kitchen towels £15, toilet paper £20, toilet "ducks" 2xmonth £24 =£150
Furniture - living set ( £250 used one in good condotion), 2 beds (£70x2 =£140, the same , 2 mattresses ( simple ones, new £200), 2 wadrobes ( simple ones, new or used ones good condition £120), 1 table ( £40), 2 chests of drawers( £40) , 6 chairs £50 - no exscesses. , £840 in total. Let us assume each item will last 5 years. it gives us £170/year expense on furniture.,

Clothes, 1 item per month for 2 persons ALL on car boot sales £4x2x12=£96

£800 in total

So on issues 2-4 we have spent already more than £4000, that is not even starting to eat. , not having a session of massage or manicure or facials or waxing ever, buying ALL the clothes exclusively on carboot sales, no toys for a child at all, no presents at all, not a single drop of vine/bear in a whole year etc etc.

Or yes, and the one is lucky not to have any disputes ever, not need any visas, lawyers ( no conveyancing or divorce or appeals of any kind) , has free parking, does not have medical insurance and pays nothing to his/her pension.

No hardship whatsoever then

LollopyBear

justme111 wrote: »

So here is some math.
I assume council tax/ professional expenses/electricity/gas/phone(s)/internet are in essentials and are not included in £4000, am I right? You are right, I do not count these apart from professional expenses.
1. Childcare. Ok there are people with no children, some with grown up ones, some have it to major extent paid by state. I personally pay £400+ per month ( working part time!). £30/day. 8 hors working day, 1 hour comuting time, £3/hour, the chaepest rate. 400x12= £4800, no money left for anything else:D and £800 over the budget. Let's put childcare into essentials as well then? No children for me so £0 so far.

2. Car. £200 insurance + £180 tax ( ok, I could use smaller car but using bigger one saves me money sometimes - like buyjing second-hand furniture , if I had smaller car I could not collect it and would incur costs in either buying a new one from the store or paying for delivery van etc-, allows me to share the car with another family sometimes, saves money on dIY relocating etc) + £40 MOT + £100 ( actually I spend more but let's assume the one is very clever and lucky with a car)+ petrol, £1080 + the car has to bought and paid for, buying the one at £2000, selling it after 5 years at £1000 still leaves £200/year, = £1800 I don't drive or have a car, however I spend about £30 a week on public transport - £30 x 45 (including the holidays I don't work and can use my young persons railcard to get a discount after 10am) = £1350
Or the one does not need a car? No, I use the train or bus.

3.personal care .gym No/swimming pool subscription £600.no , haircuts £100 (once every 3 monthx£25) Husband trims my hair every few months. Not been to hairdresser since 1989., child's dancing classes £200, No toothpastes/toothbrushes £10,Is this per month or per year? It is about right for what I spend a year. shampoos £12 This is an accurate yearly cost., cosmetics £110 I don't buy cosmetics-I'm normally overrun with them as Christmas/birthday presents.( 1day+1 night cream £5 each lasting for 3 month + 2 items of decent decorative cosmetics per year - very economical:D , no perfume, baby oil for hands), scissors to cut nails, emery boards, tweezers to plunk unwanted hair, razors and other miscellaneous £50Again, I have so many nail sets as Christmas presents., 2 dental checks and 2 cleanings £100 + 1 filling £80 ,I have good teeth so this is about £30 per year food supplements like glutamine/vitamines etc £ 6xmonth=£72, Don't need these as I have a good diet. vet for vaccine and pet insurance £110 Including flea/worm treatment, vaccinations, pet insurance: £169.68,tampax £30 About accurate., = £1472 £251.68

4. shoes/clothes/household items/furniture/ electric appliances.
I think everyone agree "we need" one pair of shoes for each season per year( winter/midseason/summer), I think Clark's quality is decent and not splash at a time, searching for bargins -£25x3= £75. I buy about one new pair of shoes or boots a year, though normally they are a birthday present from my parents. Approx £40 per year.
Underwear - 2 bras and 6 knickers £70 (yeas the bras not per£5, I believe the reasons for it are known . I have literally hundreds of knickers and bras! There is no way I need to buy any for at least 3 years so £0 in context of this year's challenge. Electrical/electronical things: tv, camera, pc, fridge, washing mashine, tumble dryer, vacuum cleaner, music center. Let's assume the lifespam of each are 4 years. I have allocated a price of £1300 for all these items, it does meen £225 per year expense. There are minor items as well - kettles, tosters, fans, microwaves, blenders, juicers, phones, extension leeds, they do not cost much but they are not free either, £20per year. We got married last year and do not need any electrical items and they are all still in their first year of life so all under guarantee. This section £0.
consumables - washing powder £20 About right, washing liquid£10 About right, water filtres £50 Don't use, car wash/wax £10 N/A, bin bags£5 We only use the free ones that come each week as we don't have much waste, paper or cotton kitchen towels £15 About £5 per year, toilet paper £20 About right, toilet "ducks" 2xmonth £24 =£150 Loo cleaner costs us about £7 per year.
Furniture - living set ( £250 used one in good condotion), Our living room is a big pile of rubble so N/A 2 beds We have one bedroom and need no new matresses/bedding etc. for years.(£70x2 =£140, the same , 2 mattresses ( simple ones, new £200), 2 wadrobes ( simple ones, new or used ones good condition £120)Don't need any more., 1 table ( £40), 2 chests of drawers( £40) , 6 chairs £50 - no exscesses.Don't need any of this - we don't have enough stuff. , £840 in total. Let us assume each item will last 5 years. it gives us £170/year expense on furniture.,

Clothes, 1 item per month for 2 persons ALL on car boot sales £4x2x12=£96 I spend about £40 per year on clothes.

£800 in total Total: £142

Grand total above: £1743.68

So on issues 2-4 we have spent already more than £4000, £1743.68 is my score that is not even starting to eat. , I have plenty of money left over to eat using your calculations not having a session of massage or manicure or facials or waxing ever, I give myself a nice manicure, don't have many stray hairs and hubby gives a very good massage. buying ALL the clothes exclusively on carboot sales, I have never bought clothes at a car boot sale. I wear my clothes for years and years with maybe one or two new items a year to update a bit. no toys for a child at all, no presents at all, I buy presents for all my family and cards. I love giving presents. not a single drop of vine/bear in a whole year etc etc. I normally go out once a week to the pub (my husband does not drink), and every other week is quite a big bender.

Or yes, and the one is lucky not to have any disputes ever, not need any visas, lawyers ( no conveyancing or divorce or appeals of any kind) , Never needed a lawyer has free parking, My town is completely free parking but it still is N/A as I don't drive does not have medical insurance Nope and pays nothing to his/her pension Not yet, will do next year once my training is finished..

On top of this I play polo at a cost of £636 a year

No hardship whatsoever then Nope. There is nothing that I want to do that I am incapable of doing on this. The money I save is going towards doing the house up and go on holidays.

Well, that was fun! What numbers game are we playing next?