2018 Frugal Living Challenge

DawnW · 18 June 2018 at 8:26PM

Frugaldom wrote: »

I plan on doing a mid-year accounts 'survey' at the end of the month so I can assess the situation and plan ahead for the second half of the year.

I think this is a great idea, and I am going to do it too! It won't be pretty :eek: but I am gonna do it!

spudsmum · 20 June 2018 at 11:58PM

Yes great idea - i may be brave and do it too!

Tiny milestone today - realised when DH gets paid on Friday his account will be in the black for the first time this year! Only by a few pounds but normally his wage isnt quite enough to clear his overdraft so we're always in negative figures. I've been paying the OD down by a few pounds every week but it was quite high at one point so i'm really happy with this. Onwards and downwards!

indigowarrior · 21 June 2018 at 12:29AM

Back on the wagon. Only have two targets as need to save a lot.
Food: £200 (This will cover meeting my friend for coffee once a week as well as weekly food.)
Transport: £20

Tanya12345 · 21 June 2018 at 8:48AM

Well done Spudsmum, me too Indigo ! Feel I've got far away from the frugal wagon train !! Am steeling myself for the 1/2 year survey........ Gulp x
Went out last night, financial disaster - why does it always seem such a good idea at the time ????

Frugaldom · 21 June 2018 at 9:37AM

Spudsmum, well done with the overdraft situation, here's hoping that in another few months there won't be one needed at all.

I still have the facility on my account 'just in case', but I have never needed to use it nor have I cancelled it.

Welcome back, Indigo, hope you enjoy your weekly get togethers with friend for chat and cuppa. It's always something to look forward to as a little treat when the world is conspiring against you. I've been doing similar here, altough it's more a case of friends coming here. I did manage to get away for an overnight last weekend, visiting friends for catch-up and then a night visiting family, so that made a lovely change, even if I had to brave the traffic and drive there.

Financial disasters seem to go hand-in-hand with socialising, I think it is the near complete loss of control of finances (or faculties, depending on the type of social occasion :-D)

Kerry_Woman · 21 June 2018 at 10:01AM

Frugaldom - Great idea about mid-year accounts survey. I will do this as well. Thanks for the idea. It will help me to plan ahead towards my goals.

GlendaSugarbean · 23 June 2018 at 9:59AM

New to the forums and sneaking in so I can subscribe to the thread. May try for a 6 month budget from July

mizmir · 23 June 2018 at 6:09PM

Another sneaking in to start in July. I became debt free a few months ago and am looking to keep it that way. Ive been using YNAB for my budget since November which has made a huge difference but it is also highlighting where the money goes. Groceries is huge - averages over £250 a month and there is just me! That includes household stuff not just food but still...

So that is my first target - to get that down and stick within a fixed budget. Will start at £200 a month and go from there.

jscarlise · 23 June 2018 at 11:57PM

Is it to late to join? I would like to start in July.

Frugaldom · 24 June 2018 at 12:41AM

Welcome on board GlendaSugarBean, Mizmir and Jscarlisle, it's never too late to join in with our frugaling fun. I'll get your names added to the challenger list while you get acquainted with the place.

Final week of June, final week of the second quarter, final week of the first half...

Savings here have been going not too badly although, as always, they could be better. The frugal breaks caravan has been rented out regularly since Easter, so that all helps to keep on top of site fees, insurance and utilities. I advertised a last minute weekend on Facebook and someone was able to make the most of that. Next week sees the start of summer holidays so I need to try really hard to make everything financially self-sustainable.

Managed to make a raised planter for my strawberry runners and herbs so I just need a bag of compost to top that up and transplant more of the plants that are sitting about the greenhouse and then I can transplant the tomatoes and cucumbers we received from neighbours.

Last weekend's garden centre bargains are all doing well, even the 29p ones.

2018 Frugal Living Challenge

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