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  • FIRST POST
    • Frugaldom
    • By Frugaldom 31st Mar 10, 9:09 PM
    • 6,147Posts
    • 54,340Thanks
    Frugaldom
    FRUGAL LIVING CHALLENGE 2010, part 2, April - June.
    • #1
    • 31st Mar 10, 9:09 PM
    FRUGAL LIVING CHALLENGE 2010, part 2, April - June. 31st Mar 10 at 9:09 PM
    This is the follow up thread to the 'Living on £4,000 for a Year' challenge. It has been renamed and adapted to allow a more diverse range of budgets, depending on individual circumstances. The following links will take you to all the previous challenge threads.

    Introduction to 2010 Frugal Living Challenge
    Part 1 - January to March 2010
    Part 2 - April to June 2010
    Part 3 - July to September 2010

    Part 1 - January to March 2009
    Part 2 - April to June 2009
    Part 3 - July to September 2009
    Part 4 - October to December 2009

    Part 1 - January to March 2008
    Part 2 - April to June 2008
    Part 3 - July to September 2008
    Part 4 - October to December 2008

    IMPORTANT.
    Please respect others' lifestyles and beliefs. We are not here to judge, we are here to support. Thank you

    The challenge is about living a frugal lifestyle - establishing your true cost of living, sticking to your budget, clearing any debts and making savings wherever and however you can to enable you to live the life you really want.

    Frugal living isn't for everyone, but everyone is welcome to join us. Methods employed by our merry band of frugalers include batch cooking, stockpiling, preserving, foraging, mending, shopping in charity shops, reducing, reusing, recycling, Local Exchange Trading Schemes (LETS), Vegetable & fruit growing, allotments, keeping hens, using cashback sites and earning whatever it takes to become self sufficient in managing the cost of living without incurring debt. For some it is initially about clearing debt, for others it's about increasing savings, buying property, becoming stay at home mums or paying off the mortgage early. Some choose the lifestyle on ethical grounds. Above all, this is a fun and supportive way to manage your budget so you have control of your own cost of living. It's about NEEDS and not WANTS.

    Living on a budget = living within our means.
    Frugal = thrifty, living without waste

    Ideas to help you achieve and/or maintain debt free living
    Spend within your means
    Set a proper budget
    Houseshare
    Get a lodger
    Shop via cashback sites but always price compare,
    Buy reduced items in stores only if you need them,
    Stockpile & bulk buy
    Batch cooking,
    Make the most of charity shops,
    Join Freecycle or other similar waste awareness and recycling associations,
    LETS trading - become active members of trading & exchange groups
    bartering
    Grow your own herbs, fruit & veg,
    Preserving & winemaking
    Card & gift making
    Order splitting for better discounts & shared postal costs,
    Landsharing, allotments & frugal garden systems
    Free scratchcards,
    Matched betting,
    Free online bingo,
    eBid and eBay trading
    etc, etc, etc...

    Sample Budget
    Groceries £900.00
    Toiletries £35.00
    Heat & power £900.00
    Internet £216.00
    Mobiles £20.00
    Telephone £140.00
    Clothing & footwear £40.00
    Travel £240.00
    Household Insurance £42.50
    Council Tax £935.00
    TOTAL £3,468.50
    Monitoring and revising the budget is part of frugal living plan. Gifts & cards could all to be homemade, livestock needs to pay its own keep, anything else needs to be cash neutral.


    Quote:
    HANDY LINKS:
    (I am neither endorsing nor recommending any of the links provided here, members of our extended frugal community have simply found them to contain helpful information.)

    Approved Food - amazing bargains if you don't mind short dates or past sell by – save a fortune whilst saving it from landfill!
    Bite Card - 20% off food at train stations (ideal for regular travellers)
    Budgetbrain - MSE's free to use budget analysis tool - BRILLIANT!
    Carrot recipes - loads of ways to use up those carrots
    CASHBACK - The official MSE list of sites offering the best cashback deals
    Cheryl's FREE spreadsheet - how to download & use it free
    Complete (MSE) cooking collection - Loads and loads and loads of recipes
    Cookingbynumbers - using up food you have in stock, free to use
    Crafting for Christmas - homemade presents
    Eggs, eggs, eggs - My '100 things to do with eggs' list
    Electricity & Gas savings - monitor your electricity & gas with the MoneySaving Carbon Club
    Flannel Cake making - unusual gifts
    Food Bargains - Discounted food, short dated and past 'BBE' dates.
    Foraging & Preserving - free foods, when, where, what to do with them
    Free 2010 OS MSE calendar - download and print
    Free crafts ideas - how to make papier mache banks etc
    Freecycle - don't bin it, rehome it.
    Freegle - Originally Freecycle in UK
    Gift Baskets & Hampers - an index to the MSE relevant threads
    Gifts in a jar - you don't need a canner for these
    Greenfingered money saving - Gardening & growing your own food
    Grocery bargains - Supermarket price reduction times
    Hunger Site - Charity site where every click counts
    i-Measure - log your meter readings and try to reduce your carbon footprint
    Laundry Gloop and loads of other frugal cleaning related 'recipes'
    Leftovers - don't bin them, get creative, make another meal.
    LETS - Local Exchange Trading Schemes and alternative currencies within communities
    Martin's mad moneysaver ads - a surprising new addition to the site - advertising offers!
    Martin's current offers & discount codes - updated daily
    Menu Planning - hundreds of options and suggestions
    Nutrition and diet info, an excellent thread - thanks to Weezl74
    Old Style indexed collection - Indexed collection of links, hints and tips for anything old style, moneysaving and frugal.
    Preparing for winter the frugal way
    Recipes part 1 - thanks to Rosieben on the Grocery Challenge
    Recipes part 2 - thanks, again, to Rosieben
    Remoska discussion - everything you need to know about Remoska ovens
    Rural Moneysaving Hunt - official MSE discussion
    Selling on eBid - decluttering and recycling for cash with no listing fees
    Snowman Soup - always a favourite with frugallers during the festive season
    Soapnuts - The frugal, eco-friendly alternative to soap powder or detergents (free samples)
    Soapnuts thread on MSE - discuss, ask questions here
    Spending Diary - excellent free resource for recording your spends
    Start a cottage industry - the official MSE discussion
    Veg Planner - free printable vegetable planting guide/calendar from the RHS
    Weezl74's 50p per person per day eating healthily thread
    Weezl74's frugal recipe testing thread - Phase 1
    Will Power & Billy Can - part 1, part 2, part 3
    The bits we need to include to make this work

    ===========================================

    THERE IS NO CHALLENGER LIST, JUST JOIN IN AND ENJOY
    ===========================================
    Please read the MSE forum rules and help us to keep this challenge on track, thank you.
    If you have any questions about this challenge, feel free to PM me.
    The following is taken from the official MSE forum rules section:

    KEEPING THREADS ON-TOPIC

    Please try not to take threads off-topic. This can be confusing for new users and makes it especially difficult for people ... Where requests from Board Guides for threads to be brought back on track have not been followed off-topic posts may be removed. We encourage community, but not thread derailment.

    Please bear in mind the main purpose of the site is to save money. The forum team has therefore been instructed to prioritise its time on the MoneySaving forums.

    KEEPING TOPICS RELEVANT TO THE BOARD

    There are two boards provided for off-topic chat and discussion. The MoneySavers Arms has been set up for fun, more lighter-hearted chat (although do still remember this is a family forum – keep it clean please). Discussion Time is for discussion of current issues (read Martin’s description).

    If you post a topic that does not relate to the board it’s posted on it will be moved to a more relevant MoneySaving board or to Discussion Time/The MoneySavers Arms.
    ===================================

    This challenge is about paying for needs so we can afford to live debt free and save for wants. It runs from 1st January to 31st December 2010. The links will give you an idea of how previous challenges have gone.
    Last edited by Frugaldom; 01-07-2010 at 5:46 PM.
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
Page 44
    • grandma247
    • By grandma247 1st Jul 10, 9:51 PM
    • 2,391 Posts
    • 33,223 Thanks
    grandma247
    I have a good lump sum remaining which I immediately paid into the bank against my mortgage yesterday.

    I of course tried out all the supermarkets and was in seventh heaven but often bewildered and overwhelmed by the choices and sheer numbers of people.

    Anyway back to reality, work and the mundane; the budget is looking exceptionally good at this half way stage and as anticipated I'm hoping to relax a little on the hard core regime of the first half year. Six months budget of $7,500.00 and I have 'only' spent $6,265.91 (£2506)

    I had a tough savings target to meet and on reflection feel that at times over the past year that I have been too hard on myself and unnecessarily deprived myself of some recreation, niceties and quite basic needs. So second half of this year I am going to revisit my priorities and see if I can put some plans in place to be kinder to myself, slack off a tad, inject a few more comforts (such as putting the heating on if I am cold ) and getting out and about a bit more. Starting as I mean to carry on, I treated myself to a bottle of duty free Pimms at the airport, so that's me sorted for Christmas!
    Originally posted by Kiwisaver
    Welcome back kiwisaver.
    Well done on paying the extra into the mortgage,thats a bit nearer to finishing it.

    My Aussie friend was suprised at the variety of food we have in our supermarkets but they live in WA so the population is smaller than the other side.

    relaxing a little on the saving sounds like a good plan. At least you know you can do it again if you need to.
    • Frugaldom
    • By Frugaldom 2nd Jul 10, 9:18 AM
    • 6,147 Posts
    • 54,340 Thanks
    Frugaldom
    part 3 of this challenge is here

    please use the new thread for any further posts, thank you. :d

    well done to all who have succeeded this far.
    Originally posted by frugaldom
    please do not post in this thread, use new one. This thread will be closing
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
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