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  • FIRST POST
    • Frugaldom
    • By Frugaldom 30th Sep 08, 11:49 AM
    • 6,136Posts
    • 54,178Thanks
    Frugaldom
    Live on 4000 for a year - part 4 (Oct - Dec 2008)
    • #1
    • 30th Sep 08, 11:49 AM
    Live on 4000 for a year - part 4 (Oct - Dec 2008) 30th Sep 08 at 11:49 AM
    Welcome to Part 4 of 'Living on 4000 for a Year'.
    (The fourth quarter of 2008)

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

    Join us in 2009 - The new challenge thread is now linked HERE

    The links above will give you an idea of how, where, when, and what this challenge is all about and provide you with plenty of reading material on the subject of frugal living, whilst getting to know the others taking part. This entire challenge has been an emotional rollercoaster ride for many and I feel honoured to have become part of something that means so much to so many. Thank you to all who are participating.

    Edited in: For anyone who hasn't had the time to read much of this forum, the 4,000 budget is about the cost of living - if you can survive without it, technically it shouldn't be counted. However, there have been many, many variations introduced by many, many people, according to their individual lifestyles, so I will not be including the amounts in the 2009 challenger list, we'll just be recording total spends periodically throughout 2009. For me, my personal challenge budget for the cost of living (running a household of 3 adults) is 4,000.

    Now we are entering the final quarter of 2008 and, hopefully, the months ahead will treat us kindly.

    From now until 31st December 2008, all those participating in this challenge with 4000 SHOULD have around 1000 left, but that may not be the case. Don't worry, we always have time to play catch-up. We now have until the end of December to further hone our frugal living skills and prepare for our next big adventure in 2009.
    Here's to Frugaldom and online frugal friendships
    CHALLENGER LIST

    001. Nykmedia - 4000 for 3
    002. Whitetigeress333 - 3920
    003. Notanothergreyhair - 4000
    004. Mini_huny_money - 4000
    005. Penny2myname - 4000 + child benefit
    006. Hypno06 - 4000
    007. Impomdasp - 5000
    008. Whitewing - 5300
    009. LoadedIWish - 4000
    010. Tigerseye - 4000
    011. Oliveoyl - 4000
    012. Funbrum - 4000
    013. Tryingtodobetter - 5000
    014. 87p - 4000
    015. Cranky40 - 5000
    016. Bluesteel705 - 4000
    017. Chewits - 4000
    018. Prudent - 5500
    019. Shell37 - 4000
    020. Juliejay - 5000
    021. Azjh77 - 4650
    022. Nicola1982 - 4000
    023. Rachyp - 4000
    024. Kiki - 5300
    025. McSaver - 3000
    026. Pollydaydream - 4000
    027. Maverickangel - 4000
    028. Loadedlaura - 4000
    029. Kayharcombe - 4000
    030. Buffythedebtslayer - 4560
    031. Flowerofthewest - 4000
    032. Mollymop5 - 4000 + Child Benefit
    033. DdraigGoch - 4000
    034. Shazrobo - 5000
    035. 1274 - 4000
    036. Always_amazed - 4000
    037. Protogenia - 4500
    038. Georgiasmum - 5200
    039. Chaddee - 4000
    040. Chriz1000 - 4000
    041. Bigbullyweedave - 6000
    042. Affordmylife - 5000
    043. Liuhut - 6000
    044. Cumbrianmum - 4000
    045. Che75 - 4000
    046. Sweetpea03 - 4900
    047. Scorpio04 - 4000
    048. Broke mum of three - 5200
    049. Artnoble - 4000
    050. Barole - 4000
    051. Ephemera - 4000
    052. Liloandstitch - 4000
    053. LyndaSharp - 3500
    054. Sassamac - 4000 + Child Benefit
    055. Sue09 - 6000
    056. Don't want to be in debt - 6760
    057. Princess Leia - 6200
    058. Saverram - 4000
    059. Sashacat - 4000
    060. Whiskylizzie - 4000
    061. Slackster - 4000
    062. Jamiedodger - 4000
    063. Whitevanwoman - 4000
    064. Skintwellie - 5000
    065. Fairywings - 5000
    066. Sos999 - 4000
    067. Mumzyof2 - practicing for 2009
    068. Keren29 - 4000
    069. OldMcDonald - 4000 + Child Benefit
    070. Mah_Jong - 3500
    071. Hardup Hester - 4000
    072. Miss_Pink - 4000
    073. Grunnie - 4000
    074. Rafiki - 4000
    075. Catzine - 5000
    076. Andromache - 2700 (student)
    077. Doom_and_Gloom - 3000
    078. Tracey04 - 4000
    079. Wherediditallgo - 4000
    080. Sallyrsm - 4000
    081. Wornoutmumoftwo - 4000 + Child Benefit
    082. Lexxi - 4000
    083. NEGirl - 5000
    084. Wendyw1947 - 4000
    085. Truthseeker - 1500 (a teenage budget - I am most impressed!)
    086. FrankieM - 4000 + Child Benefit
    087. JustKeepSwimming - 4000 + Child Benefit
    088. RedMel1621 - 5200
    089. Blackfairykitten - 5000
    090. Funkyfunkymonkey - 4000
    091. Carlsberg - 4000
    092. Nate123 - 4000
    093. DJenks - 4000 + Child Benefit
    094. Miss Empty Piggy - 4000
    095. Micron - 4000
    096. Hopeless_Spendthrift - 4000
    097. The_Cat - 5800 inc Child Benefit
    098. LilyBee - 3000 from 01/04/08
    099. Carolinabirichina - 5000
    100. Bails - 4000
    101. Debrag - 3000
    102. LittleMissClimsy - 5000
    103. Gem2509 - 4000
    104. LMac - 4000
    105. LollopyBear - 4000
    106. Slowlyfading - 4000
    107. IHateDebt - 4000
    108. Frugal Fox - 4000
    109. Looby-Loo - 4000 + Child Benefit
    110. LingoJingo - 5000 inc Child Benefit
    111. Fizzel81 - 4000 + Child Benefit
    112. Summertea - 4000
    113. Jammiejen - 4000
    114. Jay1 - 4000
    115. Yoshimi2306 - 5720
    116. Janey51 - 4000
    117. Freyaluck - 4000
    118. DJJoJoJuice - 4000 (3836.07 from start date 15/01/08)
    119. Frugalmum - 4000 (3836.07 from start date 15/01/08)
    120. Lysasparkles - 3,500 (from 16/01/08)
    121. Shelovestobuystuff - 3,700
    122. Angelofthenorth - 4000 (from 17/01/08)
    123. Mama67 - 3661 + child benefit (from 01/02/08)
    124. BigEars - 3661 (from 01/02/08)
    125. Paul Varjak - 3661 plus disabled vehicle expenses (from 01/02/08)
    126. Stefejb - 3661 (from 01/02/08)
    127. Laurabelle - 4000 (from 20/01/08)
    128. MSHAWX - 3661 (from 01/02/08)
    129. Hansolo81 - 3661 (from 01/02/08)
    130. Jumble-Bee - 1600 (FRUNCHKIN POWER!)
    131. Nimbo - 3661 (from 01/02/08)
    132. GemGems - 3661 (from 01/02/08)
    133. DFW844 - 4000
    134. Elantan - 80/week (from 08/02/08)
    135. Marru - 3345 + nursery fees (starting 1/3/08)
    136. Alli_Baba2 - 3388 (from 25/02/08)
    137. SophiesMum - 3388 + child Benefit (from 25/02/08)
    138. Charlies Angel - Living on under 1000 a year
    139. Tigwell - 3333 (from 25/02/08)
    140. Headofsteam - 2983.50 (from 01/04/08)
    141. Bleufleur - 3158 (from 17/03/08)
    142. All_hours - 80 per week
    143. Kittikins - 3000 from 01/04/08
    144. Taka - 3000 from 01/04/08
    145. MrDT - 3000 from 01/04/08
    146. Sukielou75 - 2678 from 01/05/08
    147. Whowants2brich - 2513.66 from 15/05/08
    148. Wendywitch - 2000 from 01/07/08
    149. Barefootlinzi - 2000 + child benefit from 01/07/08
    150. The_Cat - 2900 from 01/07/08
    151. InTheRed - 3300 from 01/07/08
    152. Ani*fan - awaiting confirmation
    153. Smart21 - awaiting confirmation
    154. Brighton Belle - 2000 from 01/07/08
    155. Milliemonster - Average 76.50 per week from 10/07/08 - 31/12/08
    156. EagerLearner - 3100 for 2
    157. KBarty - 1850 from 01/09/08
    158. OptimisticPair - 3000/yr
    159. Skint Lynne - practicing for 2009
    160. Trex170104 - practicing for 2009
    161. CW18 - practicing for 2009
    162. SiannieLaz - practicing for 2009
    163. Cha97Michelle - practicing for 2009
    164. ThriftyLass - practicing for 2009
    165. RebekahR - practicing for 2009
    166. Paulgonnabedebtfree - practicing for 2009
    167. Purplevamp - practicing for 2009
    168. Cornishinfens - practicing for 2009
    169. Little_Miss_Moneysaver - practicing for 2009
    170. Loopylou21 - practicing for 2009
    171. Twinkle_Star - practicing for 2009
    172. IGiveUp - practicing for 2009
    173. CarolBee - practicing for 2009
    174. Savingfortravel - preparing for 2009
    175. Kayleighj - preparing for 2009
    176. Sam79 - preparing for 2009
    177. Blissfullydebtfreewannabe - preparing for 2009
    178. Candygirl - preparing for 2009
    179. SmlSave - preparing for 2009
    180. Blairweech - preparing for 2009
    181. Macwah97 - preparing for 2009
    182. Lilac_Lady - preparing for 2009
    183. Findingmyfeet - preparing for 2009
    184. Junglegirl - preparing for 2009
    185. Mrsmcawber - preparing for 2009
    186. Shaz_mum_of_2 - preparing for 2009
    187. Zelie - preparing for 2009
    188. JennyBee - preparing for 2009
    189. MK Wotsit - preparing for 2009

    Please let me know if your details need updated on the above list, thank you.

    HANDY LINKS

    Hundreds of recipes - thanks to Rosieben.
    Nutrition and diet info, an excellent thread - thanks to Weezl74.
    Remoska discussion - everything you need to know about Remoska ovens
    Electricity savings & the MoneySaving Carbon Club
    Start a cottage industry - the official MSE discussion
    Free crafts ideas - papier mache banks etc
    Selling on eBid - decluttering and recycling for cash with no listing fees
    Spending Diary - excellent free resource for recording your spends
    Approved Foods - amazing bargains if you don't mind short dates

    During the last quarter of 2008 we are also doing a challenge to raise/save an extra 1000 so we can get ahead of the game in 2009. To avoid confusion, this has been split into a seperate challenge and can be found here - Make 1000 in 100 Days before 2009. We also have an Interest Beater challenge.
    Last edited by Frugaldom; 17-12-2008 at 2:36 PM. Reason: Updating
    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 1
  • Price Charles
    • #2
    • 30th Sep 08, 11:57 AM
    • #2
    • 30th Sep 08, 11:57 AM
    I hereby declare this thread OPEN!
    Charlie Milly
    4 eva
  • lilac_lady
    • #3
    • 30th Sep 08, 11:57 AM
    • #3
    • 30th Sep 08, 11:57 AM
    Thank you so much for continuing with your "crusade". Although I didn't join, it helped me keep focused on what's important. Every time I read the posts I feel renewed and happy that there's a lot of like-minded people out there.
    " The greatest wealth is to live content with little."

    Plato


    • Skint Lynne
    • By Skint Lynne 30th Sep 08, 12:14 PM
    • 1,357 Posts
    • 11,182 Thanks
    Skint Lynne
    • #4
    • 30th Sep 08, 12:14 PM
    • #4
    • 30th Sep 08, 12:14 PM
    Thanks Nyk,

    As you know, I am still in training and will start with my 4000 amount on 1st January. I am a keen observer for now.

    SL x
    • Frugaldom
    • By Frugaldom 30th Sep 08, 12:38 PM
    • 6,136 Posts
    • 54,178 Thanks
    Frugaldom
    • #5
    • 30th Sep 08, 12:38 PM
    • #5
    • 30th Sep 08, 12:38 PM
    Hi Skint Lynne, I added your name to the challenger list so it's all there for the start of 2009 but I'll be starting a new list then as well, as there appears to be quite a few have disappeared over the months. But I'm delighted by how many are still here and still going strong, despite the number of life-altering events that have taken place since we first began our financial adventure.

    Lilac_Lady, I'm glad you enjoy being a part of this and hope there's plenty more to come that can help benefit anyone who chooses to follow our 'crusade' - love that term! Hadn't thought of this as a crusade before you mentioned it, thanks

    The final run-in to 2009 will be the last chance we all have to assess our overall spending habits. I'm hoping that by the start of the 2009 challenge that we'll all have a good idea of what our own strengths and weaknesses are, as far as spending habits go. I know my weaknesses are trying to do too many things and ending up not getting any of them done, and obsessing about unneccessary spending, even when it isn't mine!

    Even if you have not managed to stay within your initial budget, if you can make it to 2009 with slightly less debt than you began the year, then it is a start in the right direction. If you have managed to clear any debts, that is great, if you have managed to obliterate debt, that is brilliant and if you have already managed to start saving and the only debt left is a mortgage then stick with the 'programme' as my ultimate longterm goal is debt free / mortgage free / rent free living and balancing my own books as self-sufficiently as possible. I have the advantage as I practiced this challenge for a couple of years before starting it here. I had to first practice what I preached and produce evidence that it can be done and that it does work when give the chance
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
    • Skint Lynne
    • By Skint Lynne 30th Sep 08, 12:44 PM
    • 1,357 Posts
    • 11,182 Thanks
    Skint Lynne
    • #6
    • 30th Sep 08, 12:44 PM
    • #6
    • 30th Sep 08, 12:44 PM
    Hi Skint Lynne, I added your name to the challenger list so it's all there for the start of 2009 but I'll be starting a new list then as well, as there appears to be quite a few have disappeared over the months. But I'm delighted by how many are still here and still going strong, despite the number of life-altering events that have taken place since we first began our financial adventure.
    Originally posted by nykmedia
    Thanks Nyk,

    I was thrilled to see my name up there all the same, because it makes me feel as if i 'belong' to the group. i'm looking forward to the challenge starting. I can defo see the weather changing so it won't be long until winter is here and the new year starts.

    SL x
    • trex170104
    • By trex170104 30th Sep 08, 1:10 PM
    • 123 Posts
    • 1,031 Thanks
    trex170104
    • #7
    • 30th Sep 08, 1:10 PM
    Can I please join for the last quarter?
    • #7
    • 30th Sep 08, 1:10 PM
    Hiya
    Would it be possibel for me to be a practicing member for the last quarter of 2008 and then I will start properly in 2009?
  • mumzyof2
    • #8
    • 30th Sep 08, 1:17 PM
    • #8
    • 30th Sep 08, 1:17 PM
    Hiya
    Would it be possibel for me to be a practicing member for the last quarter of 2008 and then I will start properly in 2009?
    Originally posted by trex170104
    Could i do the same? So i can practice again for 2009
    Sealed Pot dec 08 - dec 09 so far 27.67, Live off 4k Spent 330.20 GC 1,200 for 2009 Spent 50.78 PaD so far 650.07
    Debts: L/woods 154.00 C/One PAID O/D 649.90 Next 299.95 O/D PAID Gas 72.60 Electric 155.73 Mum 640.00 Orange 490.32
    • cw18
    • By cw18 30th Sep 08, 2:24 PM
    • 8,036 Posts
    • 85,938 Thanks
    cw18
    • #9
    • 30th Sep 08, 2:24 PM
    • #9
    • 30th Sep 08, 2:24 PM
    I'm self monitoring until the end of the year..... partly 'cos our major changes kick in late November, so I'm juggling money around as much as possible until then without specific budgets (pay everything I have to, blow saving for annual bills, throw as much as possible at the c/cards!)
    Cheryl
    • Skint Lynne
    • By Skint Lynne 30th Sep 08, 2:26 PM
    • 1,357 Posts
    • 11,182 Thanks
    Skint Lynne
    Useful Things I Have Done Since Joining This Thread
    1. Working out what I need to survive every month.
    2. Reading through old threads.
    3. Switching off all electrical appliances when not in use.
    4. Starting to declutter my house.
    5. Really watching what I am spending.
    6. Beginning to think about next year already.
    7. Beginning to look at what I pay for things.

    This is all useful and will help me shift my debts. I am very excited at the prospect that one day, I will have some savings and not just think about debt all the time. This is defo work in progress and I'll continue to post and try out new ideas.

    Speak to you later,

    SL x
    • cw18
    • By cw18 30th Sep 08, 2:32 PM
    • 8,036 Posts
    • 85,938 Thanks
    cw18
    1. done (ish)
    2. work in progress
    3. getting better -- just need to convince hubby it's worth turning the TV off instead of using standby.... and that's when he goes out as well as just when he changes to reading a book for a while
    4. something I need to do (and loft, and garage, and parents garage.....)
    5. yep! kept a complete spreadsheet for September of every single little penny that I was responsible for leaving our house/bank
    6. Hmmm.... sort of. If only to figure out how I can cut back to reduce how much we spend from capital over and above what the benefits office say we should be doing!
    7. the number of things I now look at and visibly react to the price of, I'd say this is deffo being done
    Cheryl
  • dfw844
    Yay I'm on the first page!!

    I haven't totalled up September yet (still too many hours and temptations left until the end of the day!), but I think I'm doing OK. Definitely had a better month than last month. I'll update later in the week.

    Hi to everyone, and good luck for the final quarter of our challenge (can you believe how the time has flown?)

    xx
    Debt at highest Nov '06 17,822.98
    Debt at LBM Nov '07 14,231.63

    DEBT FREE as of 01/01/09 now I have savings!!
    • Frugaldom
    • By Frugaldom 30th Sep 08, 3:12 PM
    • 6,136 Posts
    • 54,178 Thanks
    Frugaldom
    I've completed my budget/spending diary right up to date and it is looking quite good for today. That's until tomorrow, 1st of the month, and I have the electricity bill coming off the account, our NTS membership dd and the start of October's grocery budget. Eugh! Then mid month, I'll have the debit for the dehumidifier, so that should put paid to anything I had remaining of my 'everything else' fund. Still haven't touched the contingency fund, thank goodness!

    I've just finished chopping up all the tomatoes and they are now in the slow cooker so I can stew them and then strain & freeze them for bolognese sauce. I didn't try the green tomato chutney as I didn't feel confident that it was saving me any money, as we don't eat much chutney, besides, the tomtoes all went red whilst sitting on the windowsill. I had forgotten how much better homegrown tomatoes tasted when compared to supermarket bought ones; yum, I think I must have eaten 2 or 3 of them whilst chopping! Now I need to try to get the next lot of potatoes boiled & mashed plus there's ANOTHER bucket of apples to stew and freeze! If I need to move house soon I'm going to HAVE to borrow another freezer as I'll never get mine emptied, defrosted and moved in time to refill 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!
  • bails
    Woo hoo, Part 4 of the challenge, I've been looking forward to this
    Aah Lilaclady, your comment gave me a warm glow, thanks! It's been so wonderful to 'meet' so many great friends on here and to know people will be around supporting each other next year too is fantastic! I for one find it hard to cope when I think of my longterm future and coming on here is a wonderful tonic to reinspire me and remind me that I can still be in control of the financial side of my life to a large extent.
    My hope is that I can keep track of all spends for this final 3 months and then work out an overall yearly spend from those figures and the months I've managed to keep all totals. I'm still pondering the best way to do my target for 2009 but all in good time
    CW and SkintLynne, you're both doing really well already

    I thought it might be nice to remind ourselves (and others) of why we're doing this challenge and what we hope to achieve...

    I signed up after losing a well-paid job through ill health (with OH a student) and wanted to eek out my money as long as possible to give myself the time and space to recover as fully as I can. I thought I would have been forced back into work a long time ago but I am constantly amazed at how elastic my money is What I didn't anticipate is the superb group of friends and support network we have built along the way; I can't tell you how much this thread has improved my quality of life and saved me from going doolally stuck under the duvet, so THANKYOU everyone
    The 1,000 Day Challenge:
    Feb 16, 2016

    500/30,000
    1.67%
    • Optimisticpair
    • By Optimisticpair 30th Sep 08, 4:12 PM
    • 630 Posts
    • 1,854 Thanks
    Optimisticpair
    3. getting better -- just need to convince hubby it's worth turning the TV off instead of using standby.... and that's when he goes out as well as just when he changes to reading a book for a while
    Originally posted by cw18
    Hi Cw18,


    I think a way to get family more on board the MS train is to be able to show how much all the small spends or savings add up to and that added together they aren’t chicken feed. I know if it came out of my pocket as a lump sum I would think “WHAT?" followed by " HOW MUCH!”. Possibly one of those energy monitors will be much more accurate but if you enter figures on here can give you a calculation of running costs of say a medium size tv.
    .

    http://www.ukpower.co.uk/running-costs-elec.asp


    Hope this is of some use to you. Will look for the other uk one
    Last edited by Optimisticpair; 30-09-2008 at 6:44 PM. Reason: to make link work and remove a wrong one given
    No longer half of Optimisticpair


  • lyndasharp
    Congratulations to everyone who has made it this far into the challenge, and welcome to the new people

    Hope everyone has a fantastic final 3 months of the year.

    Thanks to a mega underspend in September my budget is now back on track, though that is partly due to not getting a veg box bill (didn't get many boxes delivered in Aug as I was away a lot) and not visiting family (adds on about £40 for petrol).
    Live on 11k in 2011
    • cw18
    • By cw18 30th Sep 08, 5:18 PM
    • 8,036 Posts
    • 85,938 Thanks
    cw18
    Have no fear -- I'm working on the standby issue. I was buying the Daily Mail for the 1980's CDs (I know - not very MSE, but gave hubby a paper and me a CD for 50p/day). But at the same time they had vouchers for an energy monitor -- and if you're a BG customer they were also offering an extension socket that when you turn the TV onto standby turns everything off (tv / dvd / freeview / VCR). As my daughter is a BG customer she's sending off for them for us
    Last edited by cw18; 30-09-2008 at 5:21 PM.
    Cheryl
  • bails
    My Pledge
    I've decided to sign up to my local Letts scheme in order to 'earn' some more cash. I've already signed up to a couple but they aren't very good so, as I can't find it online , I'm going into town tomorrow to get the contact number. This means I can home tutor in exchange for car servicing, house improvements etc that I would normally need to pay for How exciting, I hope it works!
    The 1,000 Day Challenge:
    Feb 16, 2016

    500/30,000
    1.67%
  • Marru
    (put the pen down Marru)
    Originally posted by bails
    Moi! Use pens? No way when email is free.

    I have not got a reply for my enrollment on the correspondence course and if I can pay in installments and also I sent an enquiry to take weekend course and decided to spend what I have put into ISA for that as it is more important when it comes to my future earning ability.

    Got my tooth sorted today. Thank you so much everybody giving me the "kick bottom". I had been putting it off as I thought I can't afford it and in the end I got it sorted for free. So on that note it was NSD today. Now just keeping fingers crossed that I have enough petrol to get me to the petrol station tomorrow morning that I know has the cheapest petrol in the area.

    I am trying to get DD to bed so that I can go and have my Tuesday evening bath. I got thoroughly soaked while walking the dogs so hot bath is just the thing.

    Bails - good luck on your pledge!!

    Have a great evening.

    Marru
    "Everything will be alright in the end. If it's not alright, it's not the end."


    • cw18
    • By cw18 30th Sep 08, 6:42 PM
    • 8,036 Posts
    • 85,938 Thanks
    cw18
    Glad to hear your tooth is sorted Marru
    Cheryl
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