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  • FIRST POST
    • Frugaldom
    • By Frugaldom 1st Jan 10, 8:12 AM
    • 6,147Posts
    • 54,340Thanks
    Frugaldom
    FRUGAL LIVING CHALLENGE 2010, part 1. (Living on 4,000 a year)
    • #1
    • 1st Jan 10, 8:12 AM
    FRUGAL LIVING CHALLENGE 2010, part 1. (Living on 4,000 a year) 1st Jan 10 at 8:12 AM
    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 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.

    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

    ====================================
    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; 31-03-2010 at 9:29 PM. Reason: Updating links
    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 2
    • shaz_mum_of _2
    • By shaz_mum_of _2 1st Jan 10, 10:28 AM
    • 2,014 Posts
    • 15,314 Thanks
    shaz_mum_of _2
    Happy new year and good luck with the years challenges

    Shaz
    *****
    Shaz
    *****
    • ifonlyitwaseasier
    • By ifonlyitwaseasier 1st Jan 10, 10:32 AM
    • 2,787 Posts
    • 20,347 Thanks
    ifonlyitwaseasier
    Good morning frunchkins
    Originally posted by sophiesmum

    lol i like frunchkins!!

    morning all, got very lost trying to keep up with the intro so i am setting aside time each day to catch up here

    DH and i are going back to the gym (have been sick for 2 months!!) and it'll help with my plan of losing 2 stone this year (if i lose more that's good too!)
    my main aim now is to keep our spends down and get a job. said job's salary would then be able to be used for overpayments of debt and possibly the odd treat.

    take care

    ioiwe
    Nonny mouse and Proud!!
    Never argue with an idiot. They drag you down to their level then beat you with experience
    !!
    Debtfightingdivaextraordinaire!!!!
    Amor et metus. Lac? Sugar? Quisque massa vel duo? (stolen from a lovely forumite!)

    • sparrer
    • By sparrer 1st Jan 10, 10:35 AM
    • 6,784 Posts
    • 53,686 Thanks
    sparrer
    Should auld lang syne...

    Happy New Year to everyone, as soon as my visitors have gone I'll seriously be looking at my budget. Not sure where I can cut back atm but it's always surprising when one sees things on paper, where the waste is etc..as soon as I've done that I'll be able to set my challenge..

    Lots of MS and OS good luck everyone
    Sparrer
    • newlifeahead
    • By newlifeahead 1st Jan 10, 10:36 AM
    • 646 Posts
    • 1,541 Thanks
    newlifeahead
    Please add me
    Hi all and a happy new year.

    Hi Nykmedia please could you add me to the list. NEWLIFEAHEAD I hope I haven't missed out I was really looking forward to it.

    From my other post on the other thread
    There is just me, DS1 and DS2. I am trying to clear my debts as quickly as possible and to cut down on the unneccessary purchases. Trying not to get back into bad habbits.

    My budget will be for 6000 which does not include mortgage, council tax, TV licence and water as I cannot change any of these. I thing anything less may be too hard for my first go.

    I am hoping to save the rest from my wage after all bills to clear my debts and have some savings.

    I am looking forward to starting this challenge and hopefully having a great year this year.
    • cw18
    • By cw18 1st Jan 10, 10:55 AM
    • 8,071 Posts
    • 86,054 Thanks
    cw18
    Good morning all (or it was when I started typing this post :rolleyes2 )

    and a Happy New (and Frugal) Year to everyone

    Closed down my 2009 accounting spreadsheet last night, and cast a last eye over my 2010 categories. Decided to increase the budget for some of the categories slightly, as I don't want to be rejigging them right through the year

    2009 saw a LOT of rejigging, but in my defence a substantial amount of this was down to unexpected vets bills (just over 655 ) that had to be clawed back from somewhere - and to that end I've got a new 'Contingency Fund' category for 2010.

    My starting budget for 2009 was 8k, and my closing balance was 7941.53 - meaning I came in 58.47 under budget overall

    As the 2009 thread has been closed, I'd like to say a huuuuuuge "Thankyou" here to all who posted on there - without them spurring me on I think I'd have given up once the emergencies arose !!!!


    Anyway, if I deduct the unexpected vets bills, this means I could have made the year on around 7285 - so I've allocated as close to 7,500 to my categories as I can (while keeping rounded monthly figures), and put the remaining part of my 8k budget (which comes to 499) into my Contingency Fund. If I end the year with this pot totally untouched I'll be delighted, but at least I now have a 'buffer' in case something goes pear-shaped towards the end of 2010

    The totals page of my spreadsheet (my version is more complex than the one I send out on request - which, incidentally, I've now sent out over 60 copies of) now looks like this......




    The '09 bud' figures are what my category budgets were set to for the start of 2009, and don't include any of the jiggling I did.

    The '09 spend' should be self-explanatory

    The 'Budget' figures are what I've set myself for 2010

    Most categories are the same in terms of what they cover, but I have a few new ones (and one I've dropped).

    Compared to my 2009 spends.......

    Council Tax looks like I've given it a hefty increase, but part of this is due to the fact my Jan 09 payment was low (had effectively overpaid the first 8 months of the payment year)

    Water (which is metered) I've dropped, but not to the level of 12x my current Direct Debit. At my annual review (August) I was in credit, so they dropped the payments to use up that as well as in-line with lower useage since Nov 08. So I expect it to go up in August, as I'm using more now (washing work uniform means at least one - and often 2 - extra wash loads a week) and I'll no longer have the credit to cover part of the annual bill

    Gas/Electricity I've dropped, but again not to 12x my current Direct Debit. I got them to do a 'forced' annual review in Sep/Oct, and I was heavily in credit (again due to one less person using things - particularly as I've not needed the heating on as much for medical reasons).

    C/H cover I've increased. The cost goes up every year, and this was lower than it should have been in 2009 due to the temporary reduction in VAT.

    Bldgs/Cont Ins I've increased. Let's be honest, these things go up every year - and very unpredictably too

    Phone & B/Band I've increased, as I know the base costs are about to go up. I signed up for an 18 month contract last January, which had a discount for the first 12 months - so that's due to go. Plus we now have the 50p/month increase that the government announced, which they claim will be used to roll out reliable internet access to remote places

    TV Licence I've allowed for a never-ending annual increase that I can't do a thing about (apart from get rid of the TVs, and I'm not doing that until it's a choice of TV or food :rolleyes2 )

    Mobile Phone shows a very hefty decrease. This is due to an expensive contract (which was the right thing for me when I took it out) coming to an end in August 2009

    Endowment shows an increase, but this is purely so I can do my accounting with rounded figures

    Windows has an increase to allow for the chaps putting up the prices again in 2010. I've made an assumption that it will be about the same rise in terms of date and amount as in 2009

    Dog Expenses shows a hefty increase, which is 100% due to the specialist food I now have to get for the Dalmatian (started in October 09)

    Vets bills is a funny one. It looks as if I've applied a decrease, but - if I actually deduct the emergency bills (655) off what I spent - I've actually applied an increase against what I spent. This includes annual boosters, sedatives for the Dalmatian (for 5th Nov), worming tablets & flea treatment (the last 2 being bought on the Internet as they're much cheaper that way)

    Presents I've increased, although I've dropped a couple of people from my 'must buy for' list - but I'm hoping this one will come in well under budget, as I want to get organised enough to make presents for several of the people on my list. In 2009 I'd forgotten to take into account younger DS turned 18 (so had extra spent, though I still managed to stay under budget) - but I've not reduced my 2010 budget against my 2009 spend as this year sees elder DS turn 21

    Car Insurance shows an increase. Looks higher than needed, but I want to try not including cashback this year (got 20 in 2009), and instead use cashback to make something I wouldn't have otherwise bought/done 'money neutral'.

    Breakdown cover shows an increase, but like my Endowment this is only for rounding purposes. I've already had my renewal, which say the cost is actually staying the same

    Road Tax again shows an increase I can do nothing about, but has also been over-budgetted for rounding purposes

    MOT is a wild guess, but I've allowed for an increase on 2009

    Service - ditto MOT

    Petrol is a bit of guesstimate. I've worked out how much fuel I used in 2009 (323.16 litres), and at the price I paid yesterday that would be 339. But fuel costs increased by 22p/litre in the last 12 months (according to my records), so it's a total guess as to what I'm going to have to pay over the year - hence budget set slightly higher than that. But I'm also doing less mileage on a standard basis now (used to do a 7.5 mile round trip every school day until mid-Oct, but now only do it twice a week), so hopefully this will also help things balance out :confused:

    Gutter Cleaning I've totally dropped for 2010. Moved in here (new build) in 2002, and it was 2007 before we considered getting them done (couldn't afford) and 2009 before they were done. On that basis I don't expect to look at including this again until 2012 or 2013.

    Work Related is a new one, as I was out of work from late Nov 08 to early Nov 09. I did actually spend 72-ish on this during 2009 (two pairs of trousers, a pair of shoes, and a new iron!), but rather than split that all out I've ust included those purchases in my 'Anything Else'

    Groceries shows a reduction, but compared to my final budget figure for 2009 it's actually an increase on a "per person per day" basis. This is one budget I kept trimming back on during 2009, but want to relax my eye on it a bit in 2010. I'm also feeding less people, as at the start of 2009 I was providing one main meal and 3 snacks a week for a younger GD and 5 snacks a week for my elder GD (school term-time). This changed in September to 5 snacks each, then dropped in October to 2 snacks each, then stopped altogether when I started work.

    Toiletries/Cleaning I've allowed for an increase. 2009 was a totally wild guess, as I've never watched the pennies on this one before. But I've stocked up on a lot of items that haven't yet been opened, so hopefully 2010 won't be far off the mark

    Anything Else has a decrease, as this includes my 'impulse spending' which is the one area I'm still working on curbing. But as this included 72 of work related expenses in 2009 it's not as big a drop as it look at first glance. This includes bits for the house (included some baking tins and silicon sheets in 2009), CDS and DVDs (bought more than I needed!), clothes (though won't include work related ones), shoes, eating out (once only in 2009, and that was on elder GDs birthday - and I only paid for me ) and bus fares (one only in 2009, when my car let me down on a morning I was due to take GDs to school). It also included 55 on a new car battery (which woudl come out of my contingency fund in 2010) -- so the reduction (after discounting that and works expenses) isn't all that noticable, as it only amounts to about 18

    Contingency is a new one, and will hopefully cover (or at least offer a buffer zone for) any unexpected expenses such as additional vets bills or car repairs (or excess on an insurance policy should I need to make a claim).


    The two I skipped are Groc Stock Pile Fund and T&C Stock Pile Fund

    As I have sooooo much lying around the house that fall into these categories, I'm currently working on doing an inventory - although it's going to take weeks if not months. (I'm marking stuff as I add it to the spreadsheet, which means I know exactly where I'm at if I need to use something in the meantime). As I use something from these stockpiles my spreadsheet will deduct the cost (what I paid for if I know, or a replacement value if I don't) from the relevant category budget, and add it to the relevant Stock Pile Fund. These I'll then use if I get the chance to bulk-buy something during the year (eg. I bought frozen chicken breasts, and tins of chopped tomatoes and baked beans in Jan 2009, and still have some of all of them left!), but actually intend to try and leave alone until right towards the end of the year. By then I hope to have depeleted my stock-piles such that I can se what I have, and easily get to what I want - and this will allow me to see what I'm short of going into 2011, so I can then use these funds to get set up for that year.
    (Makes sense to me, but I know it's totally lost some people when I've tried explaining it in person )

    Effectively this means I could end 2010 with a lot of money in these categories that hasn't been spent, but when setting my budgets for 2011 I need to take into account what I've used that hasn't been logged as a "new" spend (in order to set category budgets as accurately as possible) - so this should allow me to do that with ease :confused:
    Cheryl
  • sophiesmum
    Whew, Cheryl I'm exhausted just reading that huge post looks like you have everything well under control

    Loaf in breadmaker and nana cake in the oven so something accomplished at least today
    Reduce,re-use, recycle.






    • Frugaldom
    • By Frugaldom 1st Jan 10, 11:08 AM
    • 6,147 Posts
    • 54,340 Thanks
    Frugaldom
    Frugal Living challenge 2010
    Hello fellow frugalites

    Just waiting for the shortbread to bake and them I'll pop next door for that promised coffee with the neighbour. (SM, I hope you realise there's a 'wee half' to be had before the coffee! ).

    Today is one of those mega-special festive feasting days, this is probably the biggest holiday of the year in Scotland, although we don't see much of the celebrations way down here in our corner of the country. So, the clootie dumpling is already boiling away in the pan, the shortbread is almost baked (I made some into donkey shapes with my novelty eBid bargain purchase cookie cutters ), the beef broth is ready, the steak pie is ready to go into the oven and I just need to prep the veggies. I also have my little bowl of prawns defrosted. I love prawn cocktail, whereas, the others hate it. Dawn breakfast was a slice of whoopsied melon and then mid morning, when HS surfaced, we had our usual porridge.

    I've just sent HS out to the garage to retrieve a bottle of the homemade champagne, hopefully it isn't frozen solid!

    Have a great day and I will be back later to catch up (and fully read CW's mega post - sorry, not had time, so just skimmed through it).
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
  • signs of recovery
    Ok, I've just given myself a huge fright.
    In spite of thinking I was organised... (I am in a monthly routine of bunging about 250 into the bill paying account and then spending the rest on living expenses, and shoving any extra towards overpaying debts) I've put it all down on a spreadsheet and horrified myself! No wonder I end up running to the credit card at the end of the month to make ends meet.
    So: our income is 308 a week after tax (1335.65 pm or 16027 pa)
    Expenditure (weekly, monthly, yearly)
    mobile phone 9.23 40.00 480.00
    home phone 10.85 47.00 564.00
    car fuel 50.00 200.00 2,500.00
    car tax 4.81 19.24 250.00
    car insurance 4.07 17.62 211.44
    regular debt payments 61.15 265.00 3,180.00
    Totals weekly 140.10 monthly 588.86 yearly 7,185.44

    we are in the position of having electricity/rent/council tax and tv licence taken off my husbands income before it reaches us as we live in a tied house. We don't really have any control over these at all.
    So after the payments above, I have 167.00 ish a week "disposable income" for grocery shopping, clothing etc though how I've been disposing of it so far has been really ditzy.
    The contract on the mobile phone runs out in September. I need to look into PAYG or some way to make things less, as I don't use it enough to justify the expenditure on that.
    The car fuel is quite high, but this is because I'm undergoing treatment for a skin condition three times a week so I drive to the hospital. This should not be an issue in a month or so.
    I would like to hesitatingly propose a grocery budget of 50 per week for 6 adults and a labrador.
    I also think it would be sensible to put 10 a week aside for vague and various expenses such as clothing, (although, thank goodness, we seem to be pretty clothed up just now!) and random car/vet/dentist bills. I'm also going to buy any garden seeds etc out of the grocery budget. (I also need to persuade myself into the mentality that certain things, ie wine, chocolate, and books should be treated like treats rather than things I buy as necessities!)
    So that would give me figures of :
    expenses above + groceries of 50pw +10 =
    Total family spend on everything of 200 pw (866.66 pm 10400pa)
    All remaining money to be spent on overpaying the debts.
    Have I done this correctly? :confused:
    Last edited by signs of recovery; 01-01-2010 at 11:12 AM.
    NWCC 2800 2600 Marbles 498.18 Egg 1,022.28 o/d1800 1400
    Cap1 250
    student grant 20001900 C.tax 2312.91 301.64 live frugally,think sensibly, stop impulse buying,look at the bigger picture,relax,remember to budget,say no to the bairns. NSDs 6/10 GC 300/200
    FL 0/200
    • cw18
    • By cw18 1st Jan 10, 11:13 AM
    • 8,071 Posts
    • 86,054 Thanks
    cw18
    .......and I will be back later to catch up (and fully read CW's mega post - sorry, not had time, so just skimmed through it).
    Originally posted by nykmedia
    I expect most people to do just that, but it means I have it somewhere to refer back to at the end of the year - even if my laptop becomes one of the things to eat into my contingency fund :rolleyes2
    Cheryl
  • skintjenny
    hooray hooray happy new year everyone!
    as people were saying in the intro thread (sorry no memory for names!) 2009 was a pretty rubbish year for me, but 2010 is now here to thrive! bring it!
    Ive worked out my budget based on the DD's i have currently, but over the course of the year most of these will hopefully shrink as contracts end and I do lots of switching!

    My figure is 4250 excluding rent and council tax but including everything else. This is for me, my beautiful rescue greyhound Penny and Maggie the 11 yr old Micra (who takes up a sizable chunk of budget! Im toying with the idea of going car less and may take the plunge later this year... of the 4250 Maggie is costing me 1084!! Thats a quarter of my budget on a car! Not including any other unexpected travel costs!

    Good luck to everyone this year! Lets do it!

    • cw18
    • By cw18 1st Jan 10, 11:19 AM
    • 8,071 Posts
    • 86,054 Thanks
    cw18
    Total family spend on everything of 200 pw (866.66 pm 10400pa)
    All remaining money to be spent on overpaying the debts.
    Have I done this correctly? :confused:
    Originally posted by signs of recovery
    Looks good to me

    And it always gives me a fright to see it written down too (even after a full year of doing this) - so you're not alone there
    Cheryl
  • signs of recovery
    Hi Cheryl,
    I wondered if you could let me know, how you managed to copy/paste your budget into your post? When I tried to do that, (using excel) all the formatting went skewiffey!
    NWCC 2800 2600 Marbles 498.18 Egg 1,022.28 o/d1800 1400
    Cap1 250
    student grant 20001900 C.tax 2312.91 301.64 live frugally,think sensibly, stop impulse buying,look at the bigger picture,relax,remember to budget,say no to the bairns. NSDs 6/10 GC 300/200
    FL 0/200
    • Fishcake_Random
    • By Fishcake_Random 1st Jan 10, 11:40 AM
    • 1,144 Posts
    • 6,166 Thanks
    Fishcake_Random
    I've added this months bills to my months total I'm going to try and do this on the 1st of each month so I know what I actually have left. So although today is a no spend day I have 267.99 accounted for lol.

    Rent; 130.00
    Council Tax; 10.00
    Water; 33.33
    Gas; 6.66
    Electric; 20.00
    Media; 30.00 (phone,tv and internet)
    Medical insurance; 8.00
    car insurance; 25.00
    DD to OH's mum; 5.00

    Leaves me with just under 6 a day to live on.
    x x x x
    Happily married mother of 4 x x

    Wins so far - 4
    July wins - Cetafil goodies
    • cw18
    • By cw18 1st Jan 10, 11:43 AM
    • 8,071 Posts
    • 86,054 Thanks
    cw18
    I use a piece of screen capture software (King King Capture, which is free)

    While on the screen I want to 'catch', I press <Ctrl>K and my cursor changes from a line or arrow to 'cross-hairs'

    I then position this in one corner of what I want to catch, and hold down the left mouse button while moving the cursor to the opposite corner (to select the area)

    When I let go of the mouse button, what I've selected pops up in a new (King Kong) window. Then it's a case of saving it out (as a jpg) by clicking on the first icon on the top bar of that window (looks like floppy discs), then deciding where to save it on my computer and what name to give it

    I then log in to my Photobucket account (that's my personal choice of image hosting sites), and upload the file

    My account there is then set up to give me the code I need to post the image on here (starts [IMG] and ends [/IMG] )
    Cheryl
  • signs of recovery
    Hi Cheryl,
    Thank you for that. What a useful bit of information. Off to investigate.
    NWCC 2800 2600 Marbles 498.18 Egg 1,022.28 o/d1800 1400
    Cap1 250
    student grant 20001900 C.tax 2312.91 301.64 live frugally,think sensibly, stop impulse buying,look at the bigger picture,relax,remember to budget,say no to the bairns. NSDs 6/10 GC 300/200
    FL 0/200
    • oldMcDonald
    • By oldMcDonald 1st Jan 10, 11:53 AM
    • 1,897 Posts
    • 6,875 Thanks
    oldMcDonald
    Happy New Year, all

    I'm really excited about getting started on this. I spent some time yesterday afternoon putting my budget into Cheryls spreadsheet (Thanks again, fantastic spreadsheet - it is really going to be so helpful), and I can see a couple of areas where I may still be able to trim some pennies off - I will sit down this afternoon and get my final challenge amount sorted.

    Goodluck with the challenge, everyone




    • rozeepozee
    • By rozeepozee 1st Jan 10, 12:10 PM
    • 1,969 Posts
    • 16,696 Thanks
    rozeepozee
    Hi Cheryl,
    Thank you for that. What a useful bit of information. Off to investigate.
    Originally posted by signs of recovery
    I'm still "in process" trying to work myself up to trying those instructions out
    • BigMummaF
    • By BigMummaF 1st Jan 10, 12:14 PM
    • 4,269 Posts
    • 32,002 Thanks
    BigMummaF
    Hello Everyone & hope all revellers had a good time

    I have a little spend today for a set of newspapers. I began buying them around 15 years ago I think, to build up a reference library of sorts for the Offspring to share with their families when they eventually decide to procreate Three [mid-range] papers on 1 Jan every year & any notable--usually British--event is about my limit these days unless there is something exceptionally note-worthy to catch my eye.
    In my post about dried herbs & spices yesterday, it says they were 1 a kilo last time I was in that shop but please substitute 10 because the '0' didn't register Hope it means we need to change the batteries & not a new keyboard...

    Good Luck with the 2010 Challenge & I'm glad you're all here to share the Journey to Frugaldonia.

    Full time Carer for Mum; harassed mother of three;
    loving & loved by two 4-legged babies.

    • trex170104
    • By trex170104 1st Jan 10, 12:31 PM
    • 123 Posts
    • 1,031 Thanks
    trex170104
    Quote NYKMedia: CONGRATULATIONS TREX! I promise I'll try not to think of lard or dinosaurs this year, and will try to remind myself T Rex is of the musical variety. Hope everything goes well for you and the next frugalteeny TRex.

    Ha ha you've made me laugh with this one espe seeing as I will probably feeling very lardy as my little frugalteeny grows hee hee!!
    • cw18
    • By cw18 1st Jan 10, 12:34 PM
    • 8,071 Posts
    • 86,054 Thanks
    cw18
    It's funny how we read names, 'cos I always read it as a 'different spelling' of "trecks" (as in walking journey) - probably 'cos DH was a keen hill walker
    Cheryl
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