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  • FIRST POST
    • Frugaldom
    • By Frugaldom 17th Dec 08, 2:32 PM
    • 6,136Posts
    • 54,178Thanks
    Frugaldom
    Live on 4000 for a Year, 2009 Challenge, part 1
    • #1
    • 17th Dec 08, 2:32 PM
    Live on 4000 for a Year, 2009 Challenge, part 1 17th Dec 08 at 2:32 PM
    Live on 4,000 for a Year - 2009 Challenge
    Part 1, January 2009

    Part 2 of 2009 challenge is now here

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

    ====================================
    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 pay debts and save for wants. It runs from 1st January to 31st December 2009. The links will give you an idea of how the 2008 challenge went.

    To help work out your personal budget amount, you can try the following method:

    1. Add up entire annual income, all sources
    2. Deduct entire year's rent or mortgage payments
    3. Deduct the entire year's Council Tax & water
    4. Deduct essential annual property insurance and maintenance fees if relevant,
    5. Deduct ALL costs associated with work (travel, childcare, lunches)
    6. Deduct ALL regular debt repayments
    7. Deduct annual essential health-related costs

    The amount you have left should be your disposable income to cover the cost of living plus all other extras & savings. The following is my 4,000 budget for 2009. Please note that slight alterations are made according to inflation and price fluctuations, such as energy prices.

    Groceries - 1,200 (includes toiletries, cleaning & laundry products for 3 adults)
    • Toiletries 65
    • Laundry & cleaning 25
    • Groceries (1 per person per day) 1,095
    • Miscellaneous 15
    Electricity - 1,200
    Coal - 125
    Logs - 125
    Internet - 240
    Mobiles - 30
    Telephone - 160
    TV - 145
    Clothing & Footwear - 75
    Essential travel - 120
    Insurance - 47.50
    Everything else - 532.50 (gifts, pets, hobbies, entertainment, days out etc)

    Total = 4,000

    The above are all my basics plus things I choose to include within my 4,000 budget. Some people may choose not to have TV, telephones or Internet at home, as they are not essential. Gifts, pets, entertainment, gardening & other hobbies are things I WANT, so I try to budget wisely and allow for these within my 4,000. How you prepare your 2009 budget is up to you. Whatever you include in this challenge, the choice is yours. 2009 will be my 3rd year on a budget of 4,000 and I have no intentions of heading back down the road to frivolity and mounting debts. Feel free to join us all here on our frugal adventures, where every little really does help.

    There have been many different variations introduced by different people according to their individual lifestyles, so I will not be including individual challenge amounts in the 2009 list.

    Anyone is welcome to join in at any time as this challenge is mainly about household budgets with regards to the cost of living. Frugality is our watchword.

    HANDY LINKS
    I am not endorsing or recommending any of the links provided here, I 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
    Complete (MSE) cooking collection - Loads and loads and loads of recipes
    Electricity & Gas savings - monitor your electricity & gas with the MoneySaving Carbon Club
    Free crafts ideas - how to make papier mache banks etc
    Freecycle (UK) - don't bin it, rehome it.
    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
    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.
    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
    Soapnuts - The frugal, eco-friendly alternative to soap powder or detergents
    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
    Will Power & Billy Can - part 1, part 2, part 3

    This post will be updated regularly
    Last edited by Frugaldom; 30-03-2009 at 9:20 AM. Reason: Updating the post
    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
    • Frugaldom
    • By Frugaldom 17th Dec 08, 2:34 PM
    • 6,136 Posts
    • 54,178 Thanks
    Frugaldom
    • #2
    • 17th Dec 08, 2:34 PM
    Challenger List For 2009
    • #2
    • 17th Dec 08, 2:34 PM
    NYK'S CHALLENGER LIST FOR 2009

    Please note that there are NO challenger numbers for 2009, any numbers that may appear here are for the purposes of counting how many people we have participating. The list will be kept in alphabetical order to make it quicker for finding names.
    1. *Mari*
    2. 1274
    3. 1st Time Mum
    4. 2ndTimeRounder
    5. 87p
    6. Affordmylife
    7. All_hours
    8. Alli_Baba2
    9. Always_amazed
    10. Andan
    11. Andromache
    12. AngelatGraceland
    13. Angelofthenorth
    14. Angelwings
    15. Angie_baby
    16. Ani*fan
    17. Annie021063
    18. Artnoble
    19. Azjh77
    20. Bails
    21. Barefootlinzi
    22. Barole
    23. Bigbullyweedave
    24. BigEars
    25. BigSpender2
    26. Blackfairykitten
    27. Blairweech
    28. Bleufleur
    29. Blissfullydebtfreewannabe
    30. BlondeMuppet
    31. Bluesteel705
    32. Bonaventure Babes
    33. Boomdocker
    34. Boring Beige
    35. Brighton Belle
    36. Broke mum of three
    37. Buffythedebtslayer
    38. Candygirl
    39. CannyClaire
    40. Carlsberg
    41. CarolBee
    42. Carolinabirichina
    43. Catzine
    44. Cha97Michelle
    45. Chaddee
    46. CharlieDavis
    47. Charlies Angel
    48. Che75
    49. Chewits
    50. Chika (from 23/02/09)
    51. Chriz1000
    52. Cornishinfens
    53. Cranky40
    54. Cumbrianmum
    55. CW18
    56. DdraigGoch
    57. Debrag
    58. DFW844
    59. Djenks
    60. DJJoJoJuice
    61. DND
    62. Don't want to be in debt
    63. Doom_and_Gloom
    64. EagerLearner
    65. Eilo1007
    66. Elantan
    67. Enjoyfinancialchallenges
    68. Ephemera
    69. Esthomizzy
    70. Fairywings
    71. Fallen Angel Shelley
    72. Findingmyfeet
    73. Fireangel
    74. Fizzel81
    75. Flowerofthewest
    76. FrankieM
    77. Freyaluck
    78. Frugal Fox
    79. Frugalmum
    80. Funbrum
    81. Funkyfunkymonkey
    82. Gem2509
    83. GemGems
    84. Georgiasmum
    85. Gillst
    86. GlendaM
    87. Grandma247
    88. Grunnie
    89. Guesty6
    90. Hansolo81
    91. Hardup Hester
    92. Headofsteam
    93. HH62
    94. Hopeless_Spendthrift
    95. Hypno06
    96. IGiveUp
    97. IhateDebt
    98. Ilovetea
    99. Impomdasp
    100. In Search of Me
    101. InTheRed
    102. Jamiedodger
    103. Jammiejen
    104. Janey51
    105. January20
    106. Jay1
    107. JennyBee
    108. JennyShrew
    109. JTB2412
    110. Juliejay
    111. Jumble-Bee
    112. Junglegirl
    113. JustKeepSwimming
    114. Kayharcombe
    115. Kayleighj
    116. Kbarty
    117. Keren29
    118. Kerron7
    119. Kiki
    120. KittieJ
    121. Kittikins
    122. KiwiGirl
    123. Kizzie01
    124. Ladymoon
    125. LadyRoughneck
    126. Lalaladybird
    127. Laurabelle
    128. Lexxi
    129. Lilac_Lady
    130. Liloandstitch
    131. LilyBee
    132. LingoJingo
    133. Little_Miss_Moneysaver
    134. LittleMissClimsy
    135. Liuhut
    136. Lmac
    137. LoadedIWish
    138. Loadedlaura
    139. LollopyBear
    140. Looby-Loo
    141. Loopylou21
    142. Loveday69
    143. LyndaSharp
    144. Lysasparkles
    145. Macwah97
    146. Mah_Jong
    147. Mama67
    148. Marru
    149. Masomnia
    150. Maverickangel
    151. Mbaz
    152. McSaver
    153. Micron
    154. Milliemonster
    155. Mini_huny_money
    156. Miss Empty Piggy
    157. Miss_Pink
    158. Miss R
    159. MK Wotsit
    160. Mollymop5
    161. MrDT
    162. MSHAWX
    163. Mumzyof2
    164. Naomim
    165. Nate123
    166. NEGirl
    167. Nickynoo08
    168. Nicola1982
    169. Nimbo
    170. Nodebtdiva
    171. Nonstepfordwife
    172. Notanothergreyhair
    173. Nykmedia
    174. OldMcDonald
    175. Oliveoyl
    176. OptimisticPair
    177. Paul Varjak
    178. Paulgonnabedebtfree
    179. Penny2myname
    180. Penny54
    181. PetitePeche
    182. Pip's Mum
    183. Pollydaydream
    184. Princess Leia
    185. Protogenia
    186. Prudent
    187. Purple_Sparkles
    188. Purplevamp
    189. Puss14
    190. Queen_B
    191. Rachyp
    192. Rafiki
    193. Ram_murdock
    194. Raychee
    195. RebekahR
    196. Redglass
    197. RedMel1621
    198. Sallyrsm
    199. Sam79
    200. Sammey90
    201. Sarah147
    202. SarahB123
    203. Sashacat
    204. Sassamac
    205. Save-a-holic
    206. Saverram
    207. Savingfortravel
    208. Scorpio04
    209. Scrooge2008
    210. Sewbocushions
    211. Shaz_mum_of_2
    212. Shazrobo
    213. Shell37
    214. Shelovestobuystuff
    215. Shorelines
    216. SiannieLaz
    217. Silkbeast
    218. Sillylittlejill
    219. SixteenthofJune
    220. Skint Lynne
    221. Skint_Chick
    222. Skintwellie
    223. Slackster
    224. Slowlyfading
    225. Smart21
    226. SmlSave
    227. Snow White
    228. SophiesMum
    229. Sorting Out
    230. Sos999
    231. Stefejb
    232. Sue09
    233. Sukielou75
    234. Summertea
    235. Sweetpea03
    236. Taka
    237. The_Cat
    238. ThriftyLass
    239. ThriftyScotsLass
    240. Tigerseye
    241. Tigwell
    242. Tracey04
    243. Trex170104
    244. Truthseeker
    245. Tryingtodobetter
    246. Twinkle_Star
    247. Wendyw1947
    248. Wendywitch
    249. Wherediditallgo
    250. Whiskylizzie
    251. Whitetigeress333
    252. Whitevanwoman
    253. Whitewing
    254. Whowants2brich
    255. Wornoutmumoftwo
    256. XNatalie81X
    257. Yoshimi2306
    258. Zelie
    Last edited by Frugaldom; 23-02-2009 at 12:18 PM. Reason: Updating list
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
    • Boomdocker
    • By Boomdocker 17th Dec 08, 2:38 PM
    • 1,187 Posts
    • 2,348 Thanks
    Boomdocker
    • #3
    • 17th Dec 08, 2:38 PM
    • #3
    • 17th Dec 08, 2:38 PM
    Thanks Nyk, gosh a new year already!! I'm an active lurker and love this thread and the friendly banter and advise. Good luck to all in 2009.
    Boots Card - 17.53, Nectar Points - 15.06 - *Saving for Chrimbo*
    2015 Savings Fund - 2575.00
  • MRSMCAWBER
    • #4
    • 17th Dec 08, 2:42 PM
    • #4
    • 17th Dec 08, 2:42 PM
    Happy new year

    Sorry - couldn't resist...
    right off to finish listing all my stored supplies and work out what extras I need to top up on ready for the on slaught of 2009

    Can't wait to make a start..good luck everyone
    -6 -8 -3 -1.5 -2.5 -3 -1.5-3.5
    • cw18
    • By cw18 17th Dec 08, 2:51 PM
    • 8,037 Posts
    • 85,938 Thanks
    cw18
    • #5
    • 17th Dec 08, 2:51 PM
    • #5
    • 17th Dec 08, 2:51 PM
    Here's my "all-in" budget for 2009 As and when I realise some of the figures are way off track, I will be back to adjust it - whilst aiming to keep the bottom line at the same 8k......


    Council Tax : 1000 977.14
    I’ve included the actual payment for January, and 9 out of 10 payments from April (the ones that fall in 2009) after allowing for an increase of just over 5% on last years full figure. This is after my 25% single person discount
    Bill received 24/3, so now reflects actuals due

    Water (metered) : 300
    this is based on the assumption my Direct Debit doesn't go up in 2009.
    having received the first bill of the year, it's actually looking hopeful I can stick to this
    Gas and Electricity : 720
    budget set at payment level negotiated in Nov due to no longer needed the heating on for as long/at such a high temperature (and being substantially in credit)
    Central Heating cover : 210
    this allows for a small increase against 2008. due for renewal in May
    Buildings & Contents insurance : 350
    based on 342 renewal in Dec 2008, when I didn’t have time or energy to shop around
    Phone line rental, calls & Broadband : 155.99
    255 261
    final charges on old package, special deal for first 12 months on new package, plus 29.99 set up fee
    Phone calls : 60
    based on 12 months to end of October.
    TV Licence : 145 140.44
    part of the year is paying for the 2009-10 licence and part for 2010-2011
    Mobile phone : 352.64
    on contract until 11/08/2009, thereafter PAYG at 10 every three months. I think/hope I’ve calculated this right, but have a funny feeling one of my contract discounts expires after January – so I may have a shortfall on this one !!!!
    Unit Trust savings plan : 240
    I’ve decided to run this for a further 10 years! I’m now keeping my fingers crossed the economy (and the unit price) recovers in that timeframe!!!

    Endowment policy : 345.60

    this is the one I took out on my first property, and matures in March 2012
    Window Cleaner : 104 200
    have costed at 4 a time. I’m currently paying 3.80, but they’ve not raised the cost on me since early 2007 so I need to anticipate an increase.
    have lifted this from 104 to 200, so I can ask them to do the gutters and eaves this year - was quoted 80ish in 2007, but couldn't afford to go ahead. Now in desperate need of doing.

    Dog Food : 440 400
    have based this on having to put the larger dog back onto the dearer foods as we had some “issues” with him which just may have been down to having taken him of a hypo-allergenic diet in an attempt to save money
    note: he appears to have settled down on the new food, so have started to decrease this part of my budget as others are having to increase!
    Boosters / Drontal / Frontline : 140
    this is a couple of quid up on what I’ve paid in 2008, but I still anticipate it coming in slightly above this!!!
    Presents : 400 405
    GDs : Birthday*2 + Xmas*2 @ 20 each = 80.
    My “kids” : Birthday*3 + Christmas*3 @ 30 each = 180.
    BIL & SIL : Birthday*2 + Christmas*2 @ 5 each = 20.
    Parents : Birthday*2 + Xmas*2 @ 20 each = 80.
    Brother & SIL : Birthday*2 + Xmas*2 @ 5 each = 20.
    Nephews : Birthday*2 + Xmas*2 @ 5 each = 20.
    This breaks down as : Mar 35/Apr 20/May 25/Jun 10/Jul 35/Aug 20/Sep 5/Dec 50+200 for Christmas presents
    plus Easter Eggs for my 3 plus 2 grand-daughters : 5 @ 1 each = 5

    Total for this section : 5059.23 4823.24 4818.68
    4795.82 4801.82

    Groceries (food only for myself and younger DS) : 1314
    have decided to budget this at 70p/head for the cooked meal, 60p/head for the snack meal (we eat a lot of cold meat or cheese sandwiches), and 50p each a day for breakfast, drinks and snacks – making for 1.80/day each for myself and younger DS. should be able to make a saving here as younger DS uses his EMA to cover a couple of snack meals a week during term time
    Groceries (food only for meals provided for GDs) : 84.10 65.70
    term time only until the start of the Summer holidays. 21 cooked lunches for younger GD (Mon only), 68 snack teas for younger GD (Mon-Wed), and 116 snack teas for elder GD (Mon-Fri). Calculated at 50p/main meal and 40p 30p/snack meal
    Groceries (food only for visits home by elder DS) : 50.40 75.60 151.20
    no idea how much annual leave he’s likely to spend at home, but am making assumptions on 4 6 12 weeks during 2009. Daily figures calculated as per those for myself and younger DS
    Cleaning & Personal Hygiene products : 73.00 109.50
    initially set to 10/month. adjusted to 20p/day30p/day

    Total for this section : 1583.20 1640.40
    Total so far : 6642.43 6463.64 6459.08
    6436.22 6442.22

    Car Insurance (2009-10) : 275
    closest I care to “guesstimate” based on 260 for current policy, as not due until August 1st
    Breakdown Cover : 69.50
    confirmed as my renewal cost in January 2009
    Road Tax : 120
    as best I can tell this will be my renewal cost in January 2009
    MOT : 50
    last MOT cost 45, so I’ve allowed a bit extra on this
    Servicing : 125
    cost of last service in July was 117.50, so I’ve allowed a bit extra on this
    Petrol : 500
    based on 1 per litre, doing 4,000 miles a year at 8 miles/litre. (Hoping to make a saving of around 60-70 on this over the year, based on current figures being 90p/litre for 3,500 miles at 8.5 miles/litre)

    Total for this section : 1139.50

    Total so far : 7781.93 7603.14 7498.58 7475.72 7481.72

    Anything else : 375.77 458.07 396.86 401.42
    424.28 418.28
    this has to cover final payments on existing landline rental and broadband packages, car parking fees, bus fares (often cheaper to use the bus than pay for petrol and parking), dental costs (minimum of 33 for two check-ups), prescriptions, optician, clothes and shoes for me and DS (though he’ll probably buy most for college from his EMA -- as he’s good and sees that as what it’s intended for, along with his bus fares, stationery and “eats” when at college), and any postage costs related to anything in my budget (eg. posting presents), and any house or car repairs and extra vet bills

    So my overall total / budget is 8,000

    As my “anything else” category looks to be my ‘Achilles Heel’ (especially given the shoes I’ve just replaced lasted 8 months and the replacements cost me 85 ), I’ve decided that anything I earn from websites -- such as free scratch-cards, no-spend cash-back or survey payouts -- or receive in the form of loyalty card vouchers will be added to this budget. If I use vouchers for something from a different category (eg. C00p “share of the profit” vouchers will be used for groceries), then I'll move the equivalent amount over into the “anything else”. I did consider using this “income” to make presents money neutral, but somehow I can’t see me managing that while sticking to the “anything else” budget – so I decided to admit defeat before I started

    Any money I can save on presents (probably by making some) will be added to the fund available for my kids for Christmas, as I like to get them some novelty “bits” but the 30 budget is pretty restrictive compared to past years. (Though I seem to have just about managed to stick to it in 2008)

    The only thing I haven’t included (which I feel should be included to make this a true “all in” budget) is mortgage payments, as I have no control over these (other than using capital to repay the balance and bring the payments down to zero).

    HOWEVER : These figures are all subject to change around August / September. I’m currently giving serious consideration to becoming a registered child-minder (need to knuckle down and get the house sorted), at which point a number of these are going to increase (groceries / gas / electric / water and quite possibly house and car insurances. At that point I’ll need to figure out if/how I’m going to split the bills between personal essentials and work related overheads !!!!!
    In light of this “change of occupation”, I‘m also not accounting for some work needed round the house – a few carpets need replacing, some decorating is needed, and the back garden needs sorting out -- mostly as I could live without any of them being done if I decide against becoming a child-minder, but they’ll be essential in order to pass inspections if I go ahead. Nor am I including the cost of a new lawn-mower as it’s a toss-up between this or paying a gardener to do it on a fortnightly basis – and if I register as a child minder I have a feeling it will need doing more regularly than that, hence making it a business expense of sorts......
    If I don’t register as a child-minder, then I’ll either be looking for a job outside the home, enrolling on a college course of some sort, or staying at home looking after my GDs “for free” for a bit longer. Each of these will impact the budget in a different way, so it’s all change in the summer for me :rolleyes2
    Last edited by cw18; 29-03-2009 at 10:11 AM. Reason: 17/12/08 new comms package. 31/1 rem savings plan. 15/3 groc changes. 19/3 act TV. 24/3 Act CT 29/3 incr in phone line rental
    Cheryl
    • dND
    • By dND 17th Dec 08, 2:53 PM
    • 482 Posts
    • 6,957 Thanks
    dND
    • #6
    • 17th Dec 08, 2:53 PM
    • #6
    • 17th Dec 08, 2:53 PM
    Now the thread is up I really must get the budget cracked

    • candygirl
    • By candygirl 17th Dec 08, 3:06 PM
    • 27,362 Posts
    • 116,314 Thanks
    candygirl
    • #7
    • 17th Dec 08, 3:06 PM
    • #7
    • 17th Dec 08, 3:06 PM
    I'm in but posted my budget on the old thread last nighttrust me:rolleyes:
    Gas n leccy= 780
    House ins=270 (building and contents, I got 50 cashback via Quidco)
    Phones n net, includes landline, mobiles n net 648
    Life ins= 132
    Food, groceries and dog food=1560
    tv licence 150 (can't recall exactly how much they are )
    Birthday pressies n xmas 350
    Nights out=120 (prob grossly underestimated, but I wont be able to go out much whilst on benefits)
    clothes n shoes 300
    hair dye n cuts 120
    total =4230
    I also have a car, and all the expense this entails, but as it's not a necessity am not including it
    Last edited by candygirl; 17-12-2008 at 3:08 PM.
    "You can't stop the waves, but you can learn to surf"

    (Kabat-Zinn 2004)
    • the_cat
    • By the_cat 17th Dec 08, 3:10 PM
    • 2,075 Posts
    • 11,317 Thanks
    the_cat
    • #8
    • 17th Dec 08, 3:10 PM
    • #8
    • 17th Dec 08, 3:10 PM
    Woohoo! Brand new thread

    Have already posted breakdown of budget in old thread so won't bore you all again. Is it wrong to be this excited about NOT spending money
  • jtb2412
    • #9
    • 17th Dec 08, 3:24 PM
    • #9
    • 17th Dec 08, 3:24 PM
    Hi everyone !

    Been a complete and utter lurker on this (last year's thread) but thought I ought to say hello !

    I don't think we will be joining you next year as we have a whole house to decorate and although we've been cutting down on spending across the board, we're not quite ready for the 4K challenge ..... yet ! We're very fortunate in that we don't have any debt but that doesn't mean that we don't watch every penny !

    We'll be trying very hard to save money next year (even after the decorating !) so we'll be watching very closely and taking lots of notes ! If we can finish the house next year then we'll be more than ready to join you in 2010

    We wish you all the very best and look forward to reading how you're all doing !
    Weight loss to date 1st 11.5lb
    • angie_baby
    • By angie_baby 17th Dec 08, 3:28 PM
    • 1,597 Posts
    • 1,381 Thanks
    angie_baby
    HI

    Loved the thread for 08, can i please join this year? Need to work out figures, etc, but could really help me to clear some debt next year.

    Angie
    • FrankieM
    • By FrankieM 17th Dec 08, 3:32 PM
    • 2,231 Posts
    • 20,576 Thanks
    FrankieM
    Hi everyone...

    I wasn't expecting this to start till tomorrow!

    I have added the challenge to my signature in anticipation. I haven't got a budget breakdown, I'm just going to try not to spend more than my total
  • Janey51
    Here we are again
    As I end the year on a minus note I cannot really do any worse can I

    I think I will re-do my budget in it's entirety having got some good pointers from other people's....especially CW ..respect

    I have realised where I can make savings and where I cannot possibly stick to certain figures without having roasted moggie to eke out the rations

    Nyk weather permitting my little car will be wending it's way to your door early in the year.
    • ilovetea
    • By ilovetea 17th Dec 08, 3:36 PM
    • 905 Posts
    • 7,125 Thanks
    ilovetea
    Can I please join in? Will try and sort some figures out over the next couple of days.
    ilovetea
    #17 Make 2019 in 2019. 1,538.03.
    • Frugaldom
    • By Frugaldom 17th Dec 08, 3:41 PM
    • 6,136 Posts
    • 54,178 Thanks
    Frugaldom
    Hi fruguys and frugals!

    Anything relevant to the 2008 challenge should still go on the old thread as it isn't really 'the old thread' until 2009 kicks in , this one is up and running with 2 weeks of a countdown just to make sure everyone is ready and understands the concept of this challenge: to become frugal budget control freaks who want to live a debt free lifestyle (possibly on planet Fruga, speaking frugalian, socialising with other frugalites and frunchkins) and enjoying the resulting perks! You need to be a little bit mad eccentric to make the most of frugalling.

    Welcome Angie_baby and Ilovetea, I'll add your names to the list before you have the chance to reconsider.

    Janey, looking forward to seeing you. I may will even have a cooker by then, electrician's coming out tomorrow morning to wire it in and see about fixing a timer to the water heater.

    We made it to 200 for 2009!
    Last edited by Frugaldom; 17-12-2008 at 3:53 PM.
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
    • Masomnia
    • By Masomnia 17th Dec 08, 3:54 PM
    • 17,857 Posts
    • 39,800 Thanks
    Masomnia
    Can't wait to get going, thanks everyone!

    My budget is 3000 for everything except rent. So that's all bills, holidays, food, clothes, nights out etc. etc. Hoping to come in under that as it should be mroe than enough for a student.

    I can't give accurate figures for income until later in the year, but I've worked out my rent for the year to be 2445.96, plus 3,600 for my ISA leaves me with around 3k after an approximate income of around 9,500 maybe 10k if I do well.

    Good luck everyone!
    I could see that, if not actually disgruntled, he was far from being gruntled. - P.G. Wodehouse
  • sophiesmum
    Provisional starting budget figures for 2009 challenge

    4000.00 budget

    TV licence - (paid until end Oct 2009 from this budget so 2 months at new rates next year) 24.17
    Food /cleaning/toiletries 800 ( starting with stockpile of everything built up from this years budget )
    Car Tax (my car only ) 120 due 1st Jan
    Car Insurance ( just paid one year up front starting Dec 30th from this years budget)
    MOT and service 150
    Life insurance 168
    Mobile payg approx 20 - hardly use
    Gym membership - 384.00 (my hobby)
    House insurance contents only (Paid up to Oct 09 - 57 with 50 cashback )
    All inclusive broadband,ALL cable channels, V+ and second box, and telephone including all calls(except to mobiles)- 984 (OH's hobby!)
    Electricity/Gas 0
    Gifts 0 (aiming for 100% money neutral again )
    Total 2650.17
    Everything else including entertainment,clothes,shoes,household purchases, days out,charities, and any shortfalls from the above 1349.83 - any extra income earned from cashback etc not used for gifts to be added to this total.

    Starting 2009 in a very strong position, stockpiles built up this year, several items pre paid well into challenge, lots of veggie growing planned, and aiming for money neutral on all gifts/cards and any surplus generated income adding into pot for the "everything else" budget - aiming to be showing a credit at the end of 2009. I will need to buy birthday and xmas gifts for 14 close friends and family and a few token gifts for other friends, as well as the usual easter, mothers day, etc.Have decided to concentrate my efforts on this and wind up my 100 day and interest beater challenges to simplify things.Tht money now earmarked for holiday spends
    I'm also not bothering with clicks and free bingo etc as they are too time consuming and I can get better returns cash wise by stockpiling /gardening/batch cooking/baking/gift making etc. I suppose it's a case of prioritising what works best in your own situation.

    Budget is for three adults and one part time adult DS, no pets.

    Not adding child benefit to challenge totals - instead will be giving DD the child benefit and she will once again be using that for anything she needs - clothes/college stuff/etc. So in effect removing it from budget.
    Also not including petrol costs as mostly use car for work purposes and receive expenses for mileage which generally cover my small amount of other use so no actual cost to me.
    Good luck everyone


    Strategies I will be using;

    stockpiling
    menu planning
    making more vegetarian based meals
    reducing portion sizes
    making use of leftovers
    batch cooking
    bulk buying
    breadmaking
    baking
    preserving
    growing own fruit and veg
    foraging for fruit etc - eg blackberries
    using "free" money to make gifts throughout the year money neutral
    handmade gifts
    reducing, reusing and recycling
    keeping spending diary and spreadsheets
    sealed pot savings
    2 coin savings - holiday spends
    Interest beater challenge - holiday spends
    1000 in 100 days challenge - holiday spends

    Phew that lot should keep me busy
    Last edited by sophiesmum; 17-12-2008 at 4:02 PM.
    Reduce,re-use, recycle.






    • Penny2myName
    • By Penny2myName 17th Dec 08, 3:55 PM
    • 1,599 Posts
    • 4,556 Thanks
    Penny2myName
    I have decided to use my A&L account for the purpose of this challenge. I already have all my utilities coming out of it.

    135.15 Balance 1st January
    100.00 Maintenance 1st
    185.60 Child Benefit 6th
    421.75
    Normal monthly income is
    100.00 Maintenance
    185.60 Child Benefit
    285.60 Total
    22.09 from initial balance for first 6 months

    Each month I have

    Utility DD's 1962.08/176.25
    Household Insurance - 142.08/11.84
    Internet access - 221.00/17.00
    TV License - 141.00/11.61
    Telephone - 154.00/25.00 (6months left in contract to BT)
    Gas - 534.00/45.00
    Electricity - 365/32.00
    Water - 405/33.80

    Leaving 2037.92 for
    Animals - 222.00
    Groceries - 1000.00
    Delivery/P+P - 80.00
    Everything else - 26.32
    Travel - 431.60 (to visit mum once a week/deliver Avon)
    Wildlife Membership - 48.00
    Mobile phone - 50.00
    Cleaning - 60.00
    Avon- 0 Money neutral
    Gifts - 33.40 Money neutral
    Toiletries-120.00/108.96

    4000.00

    Any savings made from travel/groceries will go into the everything else pot.

    Already been deducted from 4k and covers 5x 22.09 for last 5 months is the toiletries spends. Just need to make a profit of 23 from Avon to bring my total income for A&L to 4k for overall year balance (including the 108.96 already spent)
    No clothes/footwear are being added as I am doing a challenge not to buy any new for 365days in 2009

    Have included an extra category to my list Delivery/P+P, as I do have a lot of things delivered and thought it may be a good idea to see what this is actually coming to.
    Last edited by Penny2myName; 18-12-2008 at 9:16 AM.
    19th March 2007 LBM5,969.63 1st January 2018 5960.18, 1st January 2019 11,032.00
    Student Loan 22244.00 From 2009-12
    Challenges: To learn to stop spending..
  • SiannieLaz
    Afternoon All,
    Really looking forward to starting this in a few weeks! Never thought I'd actually be getting excited about not spending money!

    Anyhoo, budget starting with the following:

    Groceries 1040 pa
    Cat food 343 pa
    Lecky 420 pa
    Broadband 240 pa
    TV Licence 140 pa
    Mobile 360 pa (going to switch to payg when contract up)
    Open Uni 750 pa

    total of 3293 which gives me a good buffer for emergencies. I have decided to put whatever is left over each month (confident eh!!) into a saving account where I am shoving as much money as poss to enable me to offer a lump sum to get rid of my debt/DMP.

    Good luck all
    ---------------------------------------------------------------------
    Debt as at Feb 14: 2272.40
    DFW Nerd no. 1024
    June Overhaul #26
    • shaz_mum_of _2
    • By shaz_mum_of _2 17th Dec 08, 4:58 PM
    • 2,014 Posts
    • 15,314 Thanks
    shaz_mum_of _2
    Hi everyone here's my 2009 Budget

    Groceries (inc cleaning toiletries and alcohol ) 2500
    Gifts 300
    Household maintainence and garden 100
    House and contents inurance 180
    Broadband 180
    TV licence 140
    Telephone 300
    Gas 500
    Electric 400
    Clothing 100
    Leisure (lotto,RSPB,eat out,hobbies) 300

    Total 5000

    Thats for Me , hubby and 7yr old DS (and 17 yr old DS 2 weekends a month)


    I home cook most meals ,bake bread, grow veg, make jams and chutneys and I stockpile too

    I made a few prezzies too this year and will be doing more this year.

    I have just started doing the free scratchcards and still have 9 months befor re jigging the 8k i have stoozed in 2008 i use a cashback site for online purchases and always ask for student discount in stores.


    I plan to start a cottage industry but as yet undecided on what

    can't wait to get started

    Shaz
    *****
    Shaz
    *****
  • Marru
    Woohoo! New Thread!!

    Here are my plans for the 2009:

    Exclude:
    - Rent
    - Ctax (shouldn't need to pay as full time student)
    - Cleaner
    - Water
    - Car
    - Nursery
    - Business costs (NI+broadband+landline)
    - Debt payments
    - Extra courses and college stuff that not reimbursed

    Include:
    - Everything else

    Budget: 3,650.- i.e. 10.- day

    Money neutral: I have put 60.- into my savings account to cover utilities for January (gas, electricity + mobile) and then in January I need to earn 60 toward February utilities plus 15 towards tv license and put this money aside before I can spend any money for anything else that comes under this challenge.

    Budget for not included: My deficit for not included is 1,996.73, this will reduce by the money I have left in the bank+cash on 1st of January, also I know I have over estimated my child care and petrol costs and also I am hoping to get tax rebate to help with this deficit.

    Budget for additional courses: I need to sell my possessions to get the money to do this, I've got DVD's, CD's, knitting stuff, soft furnishing stuff, DD's buggies etc to sell. Also if I can sort out the deficit from "the others" budget and have something left over, it will come here.

    Vouchers are not counted as income and when they are used they are not counted as expenditure. I have 80 worth of MnS vouchers so this should be more than enough for my clothes for the year.

    This budget is for one adult, 1 four year old (that eats 15 meals per week in the nursery 48 weeks per year up to September when I start to provide breakfast and packed lunch, she still will have tea at nursery), 1 dog, 2 rats and 5 guinea pigs. My main methods are going to be: cooking in SC on Sundays for the week, making sandwiches into freezer to take for lunches to college and "if I ain't got the money, I can't have it" -mentality.

    I think this is it and yes I have my spreadsheets all set up and I can't wait to be able to start using them.

    Bring it on!!!
    Last edited by Marru; 17-12-2008 at 6:34 PM.
    "Everything will be alright in the end. If it's not alright, it's not the end."


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