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  • FIRST POST
    • cw18
    • By cw18 1st Apr 11, 6:31 AM
    • 8,071Posts
    • 86,054Thanks
    cw18
    Frugal Living Challenge 2011 - part 2
    • #1
    • 1st Apr 11, 6:31 AM
    Frugal Living Challenge 2011 - part 2 1st Apr 11 at 6:31 AM
    The following has been lifted from the first thread of the 2010 challenge - I felt that what Frugaldom (the originator of this challenge) had said covered everything I needed to cover as the current caretaker of the challenge


    The following links will take you to all the previous challenge threads

    Part 1 - January to March 2011

    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...

    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
    Complete (MSE) cooking collection - Loads and loads and loads of recipes
    Crafting for Christmas - homemade presents
    Eggs, eggs, eggs - Frugaldom's '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 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
    My FREE spreadsheet (aka the SoW / Spreadsheet of Wonder) - where to download from
    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 2011. The links will give you an idea of how previous challenges have gone.
    Last edited by cw18; 02-04-2011 at 7:11 AM.
    Cheryl
Page 3
    • miss empty piggy
    • By miss empty piggy 2nd Apr 11, 7:22 AM
    • 645 Posts
    • 6,668 Thanks
    miss empty piggy
    Wow, page 2 already. First three months already gone - so quickly it scares me a little.

    Today I am going to an auction with my sister, to try to get some cr***y old furniture to paint and decopage for DDs bedroom. Don't know if I'll manage to stick it out as although fun they can be a little boring. Then off for lunch. It is my sisters birthday tomorrow as well as mothers day so have 2 presents to buy today but they are both worth it.

    Have a wonderful day today (I almost daren't leave the site as goodness knows what page number we'll be on by the time I get back!!!!) but how great that we're all in this together. I feel all renewed and refocused now. (PS I gave up with the Eat Pray Love). x
    DFW Nerd No: 600
  • HowlinWolf
    I am really struggling to catch up with the thread after a couple of weeks of not being able to read everyday so please excuse me if I've missed anything important but I'm going to give up trying to catch up and jump back in here. Hope everyone is well. Needless to say my accounting in my little black book of wonder has also fallen by the wayside and I need to get that back under control too.
    Sealed pot member 735
    Frugal Living Challenge 2011
    GC 2011 404.92/2400
  • LauraM65
    Thank you Apple Mint! I've downloaded the spreadsheet of wonder, and it is indeed wonderous ! Will sit down with DH and the bank statements this evening and have a better look at it and try to complete it retrospectively for March and hopefully that will give me an idea of where we are along with areas for improvement in April.

    I've always considered us to be a fairly frugal household but having read through a lot of the links today I can see we have lots to learn. DH might take a bit of convincing on some things, but at the end of the day he has two choices, especially with our income taking such a massive battering!
    Originally posted by Winnie in Pooh
    Hi Where can I download the spreadsheet of wonder from, did make my own up yesterday but would like to have a look at this one. Thanks
  • LauraM65
    A shiny new thread, yay

    Hello to all our newly joined 'frugalistas'

    Have decided to do a bit of a grocery challenge and decided on 70 a week for 5 adults and an ickle doggie.
    It was just for groceries but think I'll add sundries/toiletries to that too. Will update sig. everytime I have a spend on these.

    Laura M65 I sympathise with the chest infection. I'm prone to those too and they can be pretty scary when it feels tight. Hope it improves soon.

    franticflyerSue56 sorry to hear of your job loss. It's the same at our local library, which is always very busy too. Hope it stays open, I love going there. On a positive note you'll get lots of support on here with masses of ideas and tips.
    Good luck on your new journey.

    Spiral was it you I did the yo yo link for but it didn't work? They are also called 'suffolk puffs' and made of round material. Traditionally sewn together for making blankets. Was a bit naughty and ordered the extra large and jumbo size yo yo makers today. But who knows I might start a blanket project going.

    Hope everyone is having a good day.

    Luv Dizzy x
    Originally posted by dizzy lizzie
    Thanks Dizzy, have to say feel a little better today with my chest. Getting a lot of sorting done storecupboard and freezer and also done a spreadsheet to see if I can start saving in April. All being well if my budget goes to plan will save at least 500, would be nice wouldn't it but I expect I will overspend.
    • mooomin
    • By mooomin 2nd Apr 11, 9:09 AM
    • 13,655 Posts
    • 134,514 Thanks
    mooomin
    Hi Where can I download the spreadsheet of wonder from, did make my own up yesterday but would like to have a look at this one. Thanks
    Originally posted by LauraM65
    If you look in the first post in this thread it's about halfway down "My Free Spreadsheet"

    If you get stuck with it, Cheryl is always willing and able to help with it!
    Comping again


    Wins this year: - two night trip to Belgium, 100 Gett taxi credit, tickets to Newcastle game, FIFA 2016 for PS4, stitch markers, Cumberstitching book
    • jayII
    • By jayII 2nd Apr 11, 9:29 AM
    • 38,158 Posts
    • 107,076 Thanks
    jayII
    Morning everyone, I hope all the colds, flus and other ailments are soon on the mend. That cold is horrible, I'm so glad mine is coming to an end.

    I didn't manage a storecupboard inventory yesterday, but I planned the next few meals out, so should have a few NSDs.

    Thanks Laura for asking about this.

    If you look in the first post in this thread it's about halfway down "My Free Spreadsheet"

    If you get stuck with it, Cheryl is always willing and able to help with it!
    Originally posted by flying_fresian
    Thanks flying_fresian, I've just downloaded it and it does indeed look wondrous!
    Fighting the biggest battle of my life. Started 30th January 2018.
    • SandraScarlett
    • By SandraScarlett 2nd Apr 11, 10:30 AM
    • 3,960 Posts
    • 28,818 Thanks
    SandraScarlett
    I had a great night out, and including a tip, I spent 20, but well worth it for the fun and laughs we had. The restaurant was in Brentwood, next door to the Sugar Hut, where a lot of "The Only Way Is Essex" is filmed, and we had a window table, so we had a first class view of all the Sugar Hutters arriving in their pink stretch limos!!!

    I was telling them about this site, and managed to get another 5 converts, and they were discussing their spending patterns. One lady had 3 take-away coffees every day, and was shocked that she was spending 1,500 a year on coffee! Another bought several glossy magazines each week, and a third never ever has her shoes repaired - preferring to throw them in a bin!

    Someone's boots cost 200 () and she also regularly bought new Radley handbags - but didn't know why! But what shocked me most was ..... nobody kept a note of their spends!!! They were all dismayed when their credit card statements arrived, as they "forgot" they'd bought the listed items. And one lady couldn't understand why her balance kept rising - and she only paid the minimum each month!

    Credit cards used to be my downfall, but I now use an A5 envelope, and put all my receipts in that, and keep an approximate total on the front, updated weekly. That way, I have a rough idea whether I'm going to be asked for 200 or if it's likely to be nearer 1200!! Happy to say it's been nearer 400 a month for some time now. All my mates have solemnly promised to use envelopes from now on, and, if possible, to pay their bills in full!!

    xx
    • Marvel1
    • By Marvel1 2nd Apr 11, 11:06 AM
    • 4,251 Posts
    • 4,767 Thanks
    Marvel1
    Hi, I would like to join this, I hope I have/doing this right.

    After updating my monthly spreadsheet, I have 258.22 to spend for April (more this month as I didn't use much Gas and Electric) and this is what I call personal spending, as this is after food etc as I put money away each month for it.

    On April 22nd I will be spending 50 for the car MOT, I have now started to put 5 away for this for next year.

    My food budget for a month is 100, after tweaking it better, I went over In November 2010 and January 2011 BUT over the last 5 months it averages 73.53 per month, s not bad.

    Just looked at the spreadsheet of wonder and I never thought about doing an itemized food one - thanks for the great idea Cheryl.
    Last edited by Marvel1; 02-04-2011 at 11:26 AM.
    • slowlyfading
    • By slowlyfading 2nd Apr 11, 11:22 AM
    • 13,035 Posts
    • 75,221 Thanks
    slowlyfading
    New thread

    Will catch up properly tomorrow x
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    Personal Finance Blogger / June NSD - 2 / In pursuit of FIRE
    • redglass
    • By redglass 2nd Apr 11, 2:09 PM
    • 771 Posts
    • 8,839 Thanks
    redglass
    All my mates have solemnly promised to use envelopes from now on, and, if possible, to pay their bills in full!! xx
    Originally posted by SandraScarlett


    I did laugh reading this. You're amazing, Sandra, and possibly the only thing standing between those ladies and bankruptcy!

    I expect many of us can remember when we didn't really think about our spending at all. I was brought up in a poor household and Mum managed very well, squirreling away a sixpence here and there, and was never in debt. But even she didn't set a full budget since she'd never been taught to. When I was a student I thought I was very frugal because I bought second-hand clothes (and to be fair to myself I was never in much financial trouble either) but I had NO idea of all the many different things you can do to save. Then I went into employment. I bought a bit of this and a bit of that, all impulse, no long-term strategy, and I hadn't the foggiest what I spent per month....except that I never managed to save anything. Now i know the full terrible truth and it can be frustrating at times when I know I've let myself down, but knowledge is always better than ignorance. So long live the Sandras of this world!

    PS Welcome to our newbies.
    'Whatever you dream you can do, begin it. Boldness has genius, power and magic in it. Begin now.' Goethe



  • enjoyfinancialchallenges

    Credit cards used to be my downfall, but I now use an A5 envelope, and put all my receipts in that, and keep an approximate total on the front, updated weekly. That way, I have a rough idea whether I'm going to be asked for 200 or if it's likely to be nearer 1200!! Happy to say it's been nearer 400 a month for some time now. All my mates have solemnly promised to use envelopes from now on, and, if possible, to pay their bills in full!!

    xx
    Originally posted by SandraScarlett
    SS I prefer to use my credit card because I can keep a check on my expenses easily. I have an envelope system similar to the one you use. It consists of 4 imaginary columns, first the date then a name as some form of identification for me to see who I paid. Then I have an imaginary column for amount spent and the final column is to show the running total. I save all till receipts and after using my C/C and recording it I put it inside and file the whole envelope in an old bank statement folder. I always write the date on top together with the allocated amount and make up a new one every month. This works for me and has done so for about twenty years or more and this way I can find any receipt I want and the money gets paid in full each month. Some months I go over the amount but still pay it off, that forces me to be careful the following month. I put all my C/C expenses on it whether for food, gardening or whatever and because I live alone have to sometimes just stop spending and make do and I know thats easier for me than for those of you with others to consider.
    Last edited by enjoyfinancialchallenges; 02-04-2011 at 3:19 PM.
    Keep to 400 a month on C/C.
    • miss empty piggy
    • By miss empty piggy 2nd Apr 11, 2:50 PM
    • 645 Posts
    • 6,668 Thanks
    miss empty piggy
    Got outbid at the auction this morning for the chest of drawers I wanted for DD1. Never mind. They weren't worth 60 so I didn't buy anything from there.

    Bought sister a planted thing she wanted for 10 and mum a plant she wanted for 3.99 (plus am going to make her some scotch eggs as she loves them, especially with the eggs from my chickens!)

    DD2 has a birthday party tomorrow but am about to delve into the cupboard under the stairs where I keep all wrapped-up-ready presents for such occasions and I know there is one "girl" present in there. Phew!! So not too bad.

    Best Friend's birthday is in a week but she says she doesn't want anything (but will do something nice for her) and she also said to not bother with easter eggs for our children as "they are ungrateful brats that don't deserve them anyway" (her words), I think she was including my kids in that statement also, and to a certain extent she's got a point!! So another saving!!

    Need to clean out the chickens, hang out the washing and then mark forever. Life is good.
    DFW Nerd No: 600
    • Puddleglum
    • By Puddleglum 2nd Apr 11, 3:29 PM
    • 676 Posts
    • 5,149 Thanks
    Puddleglum
    Hi Everyone on this nice, new, squeaky clean thread.

    I have yet to properly update my spreadsheet but am bang on the nose with the petrol expenditure and about 30 over on the groceries as I put in an extra order to AF when they had some nut roast mixes.

    I am frantically searching for a missing library book. It is an excellent book, The Harvest Pantry by Barbara (Somebody). I have taken it out of the library many times over the past three years and have copied many recipes, so initially was not too worried when it was mislaid thinking that I would replace it and then if I found the original that would be ok. BUT. On Amazon a used copy of the book is 44 and new it is 107. This book must be found! The bloodpressure is going up as I type.

    However, if a major cashectomy is in the offing, I have got an interview for a promotion at work. If successful the groceries budget will imediately go up from 30pw to 40. The way food prices are rising, it is getting too difficult to stay inside the limits. In Mr A last week a 500g tub of Stork had gone up from 75p to 1. Fortunately, it was only 80p in MrS but even that is an above inflation price hike.

    Best wishes and hopes for a good second quarter.

    Puddleglum
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    April 2019 - pick myself up, dust myself down and give myself a stern talking to.
    Grocery spend 5814/80
    • rubytuesday
    • By rubytuesday 2nd Apr 11, 3:41 PM
    • 21,528 Posts
    • 71,147 Thanks
    rubytuesday
    Well a great start to April for me!

    I received my credit card statement yesterday and instead of it being over three hundred pounds it was only seventy three! I always pay it off in full but that just shows how much I have reduced my spending!
    Here dead we lie because we did not choose
    To live and shame the land from which we sprung.
    Life, to be sure, is nothing much to lose,
    But young men think it is,
    And we were young.
    A E Housman
    • silvasava
    • By silvasava 2nd Apr 11, 5:45 PM
    • 4,233 Posts
    • 67,416 Thanks
    silvasava
    Got outbid at the auction this morning for the chest of drawers I wanted for DD1. Never mind. They weren't worth 60 so I didn't buy anything from there.
    Originally posted by miss empty piggy
    I dont know about where you live - but where I am there are loads of Charity Furniture shops & they are well worth the browse as you can get some super stuff there at very reasonable prices. Also you could put a 'Wanted' ad on Freecycle its amazing what people get rid of - as they say one mans junk is another mans treasure

    My debit card has been used so much it won't work any more I've ordered a new one but until it arrives I have to take DH with me - a trip to Mr M for flowers for my cousin in hospital & a jar of coffee ccost a bag of brazils, a bag of cashews and a bag of figs & a bottle of Southern Comfort He did say the SC was reduced - he's on freezer pickings this week
    Last edited by silvasava; 02-04-2011 at 5:47 PM. Reason: checked location!
    Small victories - sometimes they are all you can hope for but sometimes they are all you need - be kinder than necessary, for everyone you meet is fighting some kind of battle
    • mooomin
    • By mooomin 2nd Apr 11, 6:16 PM
    • 13,655 Posts
    • 134,514 Thanks
    mooomin
    Evening ladies (and any lurking gents!)

    I've had a spendy/save-ey day today.

    2.09 in Morrisons on afternoon tea - pot of tea, sandwich and massive scone. Had a nice catch-up with my friend though and got lunch for less than the cost of a posh coffee.

    3.84 on stamps before the price of them goes up on Monday. Since I began cardmaking I send more "just because" cards than I used to so it's good to stock up. I might even get more tomorrow if I go to town because I believe Superdrug are doing 5% off.

    25.19 in Morrisons on my weekly shopping. I got most of the things on my list for a reasonable price and plan on doing a mini storecupboard challenge for a couple of weeks to try and store up some money for the next Costco trip. I was a little sad that they didn't have the chopped tomatoes that they had last week as they were only 30p a tin and really yummy. I didn't need tomatoes though so didn't have to buy expensive ones. I have a couple of other things to get, but am going to go to Aldi for them tomorrow. I saw on the forums that they have 6 rashers of bacon for 99p so plan to stock up!

    Going to go and make my dinner now - bolognaise from last weekend's batch cooking adventures. Yum!
    Comping again


    Wins this year: - two night trip to Belgium, 100 Gett taxi credit, tickets to Newcastle game, FIFA 2016 for PS4, stitch markers, Cumberstitching book
    • hollysmum22
    • By hollysmum22 2nd Apr 11, 6:17 PM
    • 144 Posts
    • 970 Thanks
    hollysmum22
    hi all popping back in for part 2 the first 3 months for me have been horrid i am no where near being on budget as i have had everything hit me at once hopefully the next few months will be better
    princess moo born 25/11/2009
    Sealed Pot Challenge # 1895 20p Savers Club 2013 # 60
    Save 5k in 2013' challenge 0/5000 #047
    Baby Fund Challenge 0/1.500


  • LauraM65
    If you look in the first post in this thread it's about halfway down "My Free Spreadsheet"

    If you get stuck with it, Cheryl is always willing and able to help with it!
    Originally posted by flying_fresian
    Thanks will take a look now and let you now if I need help with it. Spent too much money today on shoping for mothers day presents and supposed essential items that we needed 160.00 need to deduct this now off my monthly shopping total and will have to be more savy for the rest of the month.
    • minnie2
    • By minnie2 2nd Apr 11, 7:20 PM
    • 513 Posts
    • 8,701 Thanks
    minnie2
    Quote:
    Originally Posted by 23rdspiral
    wow minnie! you're doing amazingly. health issues and a broken foot but still working so much! paying off debts, working overtime to do so. i'm so very impressed with your efforts and attitude. thank you for the inspiration.


    thanks for the heads up. i'll go look in co-op when i can. also for the idea of putting loo roll in the attic, the new house's upstairs showerroom thing is very small and i wondered where on earth to keep such things. we havent braved the attic yet but fingers crossed it's dry!


    woop! woop! bravo on keeping your OD below your target!! good luck with hopefully keeping it there and lowering it as you can.



    Hi Laura, welcome to the thread. you've certainly been putting being ill to good use! good luck with your personal challenge, it sounds like you're heading in the right direction to make the changes you want to make.
    ~ i pride myself in getting all the meat off the chicken, even bits it didnt know it had! personally, i add these little bits after i've blitzed the soup as i prefer the texture that way, and so my OH knows there is at least a bit of meat in there!

    Quote:
    Originally Posted by ceridwen
    MINNIE

    You make me feel positively exhausted just looking at your timetable - but you deserve a medal for putting in so much - and with health problems to contend with too.

    Re NMW (ie National Minimum Wage) you might find it useful to have a read of this:

    http://www.direct.gov.uk/en/Employme...ge/DG_10027201


    Well sometimes I have trouble keeping track!!!! Had a review and the specialist is very pleased with my progress and the drugs are obviously working their magic on the tumour - so positive there.Nice to have a clearer head!! With all my brains I was surprised there was enough room for a tumour in there in the first place!!! hehe!!

    Just hoping all the work will be worth it!!!! it nice to now see progress and our money changing!! what i still struggle with is not to spend money when we have it!!! its ok whe we are short and get paid late as then we are frugal but we both get paid for main job at same time which is not good - i struggle to remmber that that money has already been spent on bills when its sitting there!!

    Hey ho!!! i am currently working on ways to get round this - such as not carrying cards and just having a set amount of cash etc.I dont know it seems to be my big downfall - its affecting us this month as weve had money and i cant spend it but i have eek!!!
    Frugal living challenge - need to revisit its been.a while !! Need to reduce our debts!!
  • dizzy lizzie
    Well a great start to April for me!

    I received my credit card statement yesterday and instead of it being over three hundred pounds it was only seventy three! I always pay it off in full but that just shows how much I have reduced my spending!
    Originally posted by rubytuesday
    That is brilliant rubytuesday well done

    hi all popping back in for part 2 the first 3 months for me have been horrid i am no where near being on budget as i have had everything hit me at once hopefully the next few months will be better
    Originally posted by hollysmum22
    Just put it behind you and carry on. Don't give up even though you've had a set back. I'm sure as you say hollysmum it'll get better for you. Sometimes it all happens at once doesn't it? Good luck and hope you've turned a corner

    Hi Everyone on this nice, new, squeaky clean thread.
    I am frantically searching for a missing library book. It is an excellent book, The Harvest Pantry by Barbara (Somebody). I have taken it out of the library many times over the past three years and have copied many recipes, so initially was not too worried when it was mislaid thinking that I would replace it and then if I found the original that would be ok. BUT. On Amazon a used copy of the book is 44 and new it is 107. This book must be found! The bloodpressure is going up as I type. Puddleglum
    Originally posted by Puddleglum
    Would they charge the full price of the book Puddlegum or would it be a nominal charge? Crikey I hope you find it. I know sometimes I've sworn I've put my library books in the bookcase and they've been either beside my bed or in the kitchen.
    Have you been taking notes from it, could it be near or around the places were you might have done that?
    Good luck finding it.

    LauraM56 glad to hear your chest is getting better

    Oh and welcome to those recently joined


    Luv Dizzy x
    Official DFW Nerd Club Member no:219
    In the Court Of The Crimson King
    I don't believe in the concept of hell, but if I did I would think of it as filled with people who were cruel to animals.
    Gary Larson
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