2008 - Live on £4000 for a full year.

Prudent

nykmedia wrote: »

I'm having problems keeping up with the posts :rotfl:

I found that with starting the comping challenge last year. Overall it calms down after a few months and then there are spurts of busy activity, especially if it gets a mention in the email tips.

Tracey04

does car loan, tax, petrol, mot etc included in £4000
is money banked reguallary included

and how do I make a paper mache pig !!!
thanks

sallyrsm

£76 a week. Got no mortgage any more.... won't count childcare costs as they are a given if I need to work..... we'll be eating more vegetarian.... bring it on!!!

Prudent

sallyrsm wrote: »

£76 a week. Got no mortgage any more.... won't count childcare costs as they are a given if I need to work..... we'll be eating more vegetarian.... bring it on!!!

I am sure vegetarian is cheaper. DD and I have been eating for £90 a month over the past two years (although I am expecting this to go up with rising food prices and am budgeting £120 this year as I want to have friends round for meals more).We are vegetarian. Over the past few days I have had a stream of people round for meals and found the meat prices add so much to the shopping bill. All visitors will have to eat vegetarian with us

Prudent

To my absolute shame I have realised that even with the growing list of people I still have the highest budget. How can I call myself Prudent

Just off to get the calculator to look more closely at the figures and will post a re -done budget with an aim of making a lower total.

JAMIEDODGER

Tracey04 wrote: »

does car loan, tax, petrol, mot etc included in £4000
is money banked reguallary included

and how do I make a paper mache pig !!!
thanks

i would assume that car loan isnt counted but tax, petrol and mot are included i may be wrong though

Prudent

Ok here goes:

Essentials not included:

Council tax £113
Commuting costs £100 (this is an average as some months lower and some months higher)
DD commuting £70
DD music exams, educations essentials £30
Savings plan for dd for college £25 (costs round dd are agreed with her dad and he helps pay them, so not strictly all my personal outgoings)
Union £12

Subtotal: £350 :eek: Annual £4200

Challenge outgoings:


Internet £9.99
Gas/Elec £62 (this needs to go up as not meeting current bills or better still I need to reduce it).
BT £11
TV £11
Insurances £40
Food £120
Petrol (perosnal not commuting) £30
Mobile £10
Cats £25
Car tax £10
Haircuts £10
18866 £2
Clothes £30
Car maintenence £25

Other outgoings like household items/ going out/ postage £50

I am hoping to win holidays as last year, but if not will look at cheapest options.


Subtotal: £446 x 12 =£5352 . Therefore I am going to drop £500 to £5500.:T


NYK - please can you update, thanks

Prudent

Just wondering how you all monitor your outgoings?

I do mine by taking the figure in the bank account at the start of the month (which I do payday to payday), add incomings and then subtract the amount left at the end of the month. Any surplus I then transfer to savings

Looking at my post above my average monthly figure (essential plus inessential) shouldn't exceed £796). I will post the amount every month when I total it and work out the average and grand total at the end of the year

Any comments welcome

Burlesque_Babe

I started having a casual mooch around the house and I won't need any shower gel, bleach, loo roll, toilet cleaner,general cleaning stuff (like Stardrops) washing up liquid or toothpaste until at least the beginning of February. I have a huge box full of various toiletries so I'm going to try to use as much of that stuff as possible.

OH's food contribution will be coming 3 Jan, so I'm hoping for a positive first few weeks.

I need an interview suit for a job I'm going for so I'd better buy it today or tomorrow!!!!

I was sat thinking last night about it and imagining myself checking my bank balance each day (which I already do) and updating my 'amount spent'.

I'm suddenly looking forward to the challenge!!!

Tracey04

Prudent wrote: »

Ok here goes:

Essentials not included:

Council tax £113
Commuting costs £100 (this is an average as some months lower and some months higher)
DD commuting £70
DD music exams, educations essentials £30
Savings plan for dd for college £25 (costs round dd are agreed with her dad and he helps pay them, so not strictly all my personal outgoings)
Union £12

Subtotal: £350 :eek: Annual £4200

Challenge outgoings:


Internet £9.99
Gas/Elec £62 (this needs to go up as not meeting current bills or better still I need to reduce it).
BT £11
TV £11
Insurances £40
Food £120
Petrol (perosnal not commuting) £30
Mobile £10
Cats £25
Car tax £10
Haircuts £10
18866 £2
Clothes £30
Car maintenence £25

Other outgoings like household items/ going out/ postage £50

I am hoping to win holidays as last year, but if not will look at cheapest options.


Subtotal: £446 x 12 =£5352 . Therefore I am going to drop £500 to £5500.:T


NYK - please can you update, thanks

just being nosey who is your internet with my costs £17.99 per month and how is BT phone so low - im just trying to cut corners of my figs. Ta T