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  • FIRST POST
    • Frugaldom
    • By Frugaldom 30th Jun 09, 10:40 PM
    • 6,138Posts
    • 54,188Thanks
    Frugaldom
    Live on 4,000 for a year - 2009, Part 3
    • #1
    • 30th Jun 09, 10:40 PM
    Live on 4,000 for a year - 2009, Part 3 30th Jun 09 at 10:40 PM
    Live on 4,000 for a Year - 2009 Challenge
    Part 3, July - September 2009

    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


    ====================================
    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 - 1,130.00 (for household of 3 adults)
    Toiletries - 50.00
    Cleaning - 20.00
    Electricity - 1,200.00
    Coal & lighters etc - 160.00
    Logs - 200.00
    Internet - 240.00
    Mobiles - 30.00
    Telephone - 150.00
    TV - 50.00 (split among 3 of us)
    Clothing & Footwear - 100.00
    Gifts - 450.00
    Extras - 20.00
    Travel - 100.00
    Insurances - 47.50
    Misc - 52.50
    TOTAL - 4,000.00

    The above are all 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. 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 debt. 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. Welcome to Frugaldom.

    HANDY LINKS
    I am not endorsing or recommending any of the links provided here, I have simply found them to contain helpful information.

    1000 in 100 days - the current challenge thread where we're trying to earn a few pounds extra, hopefully 1000.

    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
    Crafting for Christmas
    Electricity & Gas savings - monitor your electricity & gas with the MoneySaving Carbon Club
    Flannel Cake making - unusual frugal gifts
    Foraging & Preserving - free foods, when, where, what to do with them
    Free crafts ideas - how to make papier mache banks etc
    Freecycle (UK) - don't bin it, rehome it.
    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
    LETS - Local Exchange Trading Schemes and alternative currencies within communities
    Martin's mad moneysaver ads - a surprising new addition to the site - advertising offers!
    Martin's current offers & discount codes - updated daily
    Menu Planning - hundreds of options and suggestions
    Nutrition and diet info, an excellent thread - thanks to Weezl74
    Old Style indexed collection - Indexed collection of links, hints and tips for anything old style, moneysaving and frugal.
    Preparing for winter the frugal way
    Recipes part 1 - thanks to Rosieben on the Grocery Challenge
    Recipes part 2 - thanks, again, to Rosieben
    Remoska discussion - everything you need to know about Remoska ovens
    Rural Moneysaving Hunt - official MSE discussion
    Selling on eBid - decluttering and recycling for cash with no listing fees
    Snowman Soup - always a favourite with frugallers during the festive season
    Soapnuts - The frugal, eco-friendly alternative to soap powder or detergents
    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; 30-09-2009 at 3:58 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
    • Frugaldom
    • By Frugaldom 30th Jun 09, 10:40 PM
    • 6,138 Posts
    • 54,188 Thanks
    Frugaldom
    • #2
    • 30th Jun 09, 10:40 PM
    Challenger list
    • #2
    • 30th Jun 09, 10:40 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. Feel free to join in at any time.
    1. *Mari*
    2. 1274
    3. 1st Time Mum
    4. 2ndTimeRounder
    5. 87p
    6. Aeb
    7. Affordmylife
    8. All_hours
    9. Alli_Baba2
    10. Always_amazed
    11. Andan
    12. Andromache
    13. AngelatGraceland
    14. Angelofthenorth
    15. Angelwings
    16. Angie_baby
    17. Ani*fan
    18. Annie021063
    19. Artnoble
    20. Azjh77
    21. Bails
    22. Barefootlinzi
    23. Barole
    24. Bigbullyweedave
    25. BigEars
    26. BigSpender2
    27. Blackfairykitten
    28. Blairweech
    29. Bleufleur
    30. Blissfullydebtfreewannabe
    31. BlondeMuppet
    32. Blueberrypie
    33. Bluesteel705
    34. Bonaventure Babes
    35. Boomdocker
    36. Boring Beige
    37. Brighton Belle
    38. Broke mum of three
    39. Buffythedebtslayer
    40. Bunny too
    41. Candygirl
    42. CannyClaire
    43. Carlsberg
    44. CarolBee
    45. Carolinabirichina
    46. Catzine
    47. Cha97Michelle
    48. Chaddee
    49. CharlieDavis
    50. Charlies Angel
    51. Che75
    52. Cheerfullness4
    53. Chewits
    54. Chika (from 23/02/09)
    55. Chriz1000
    56. Cornishinfens
    57. Cranky40
    58. Cumbrianmum
    59. CW18
    60. DdraigGoch
    61. Debrag
    62. DFW844
    63. Djenks
    64. DJJoJoJuice
    65. DND
    66. Don't want to be in debt
    67. Doom_and_Gloom
    68. EagerLearner
    69. Eilo1007
    70. Elantan
    71. Enjoyfinancialchallenges
    72. Ephemera
    73. Esthomizzy
    74. Fairywings
    75. Fallen Angel Shelley
    76. Findingmyfeet
    77. Fireangel
    78. Fizzel81
    79. Flowerofthewest
    80. FrankieM
    81. Freyaluck
    82. Frugal Fox
    83. Frugalmum
    84. Funbrum
    85. Funkyfunkymonkey
    86. Gem2509
    87. GemGems
    88. Georgiasmum
    89. Gillst
    90. GlendaM
    91. Grandma247
    92. Grunnie
    93. Guesty6
    94. Hansolo81
    95. Hardup Hester
    96. Headofsteam
    97. HH62
    98. Hopeless_Spendthrift
    99. Hypno06
    100. IGiveUp
    101. IhateDebt
    102. Ilovetea
    103. Impomdasp
    104. In Search of Me
    105. InTheRed
    106. Jamiedodger
    107. Jammiejen
    108. Janey51
    109. January20
    110. Jay1
    111. JennyBee
    112. JennyShrew
    113. JTB2412
    114. Juliejay
    115. Jumble-Bee
    116. Junglegirl
    117. JustKeepSwimming
    118. Kayharcombe
    119. Kayleighj
    120. Kbarty
    121. Keren29
    122. Kerron7
    123. Kiki
    124. KittieJ
    125. Kittikins
    126. KiwiGirl
    127. Kizzie01
    128. Ladymoon
    129. LadyRoughneck
    130. Lalaladybird
    131. Laurabelle
    132. Lexxi
    133. Lilac_Lady
    134. Liloandstitch
    135. LilyBee
    136. LingoJingo
    137. Little_Miss_Moneysaver
    138. LittleMissClimsy
    139. Liuhut
    140. Lmac
    141. LoadedIWish
    142. Loadedlaura
    143. LollopyBear
    144. Looby-Loo
    145. Loopylou21
    146. Loveday69
    147. LyndaSharp
    148. Lysasparkles
    149. Macwah97
    150. Mah_Jong
    151. Mama67
    152. Marru
    153. Masomnia
    154. Maverickangel
    155. Mbaz
    156. McSaver
    157. Micron
    158. Milliemonster
    159. Mini_huny_money
    160. Miss Empty Piggy
    161. Miss_Pink
    162. Miss R
    163. Missal
    164. MK Wotsit
    165. Mollymop5
    166. MrDT
    167. MSHAWX
    168. Mumzyof2
    169. Naomim
    170. Nate123
    171. NEGirl
    172. Nickynoo08
    173. Nicola1982
    174. Nimbo
    175. Nodebtdiva
    176. Nonstepfordwife
    177. Notanothergreyhair
    178. Nykmedia
    179. OldMcDonald
    180. Oliveoyl
    181. OptimisticPair
    182. Paul Varjak
    183. Paulgonnabedebtfree
    184. Pauper1
    185. Penny2myname
    186. Penny54
    187. PetitePeche
    188. Pip's Mum
    189. Pollydaydream
    190. Princess Leia
    191. Protogenia
    192. Prudent
    193. Purple_Sparkles
    194. Purplevamp
    195. Puss14
    196. Queen_B
    197. Rachyp
    198. Rafiki
    199. Ram_murdock
    200. Raychee
    201. RebekahR
    202. Redglass
    203. RedMel1621
    204. Sallyrsm
    205. Sam79
    206. Sammey90
    207. Sarah147
    208. SarahB123
    209. Sashacat
    210. Sassamac
    211. Save-a-holic
    212. Saverram
    213. Savingfortravel
    214. Scorpio04
    215. Scrooge2008
    216. Sewbocushions
    217. Shaz_mum_of_2
    218. Shazrobo
    219. Shell37
    220. Shelovestobuystuff
    221. Shorelines
    222. SiannieLaz
    223. Silkbeast
    224. Sillylittlejill
    225. SixteenthofJune
    226. Skint Lynne
    227. Skint_Chick
    228. Skintwellie
    229. Slackster
    230. Slowlyfading
    231. Smart21
    232. SmlSave
    233. Snow White
    234. SophiesMum
    235. Sorting Out
    236. Sos999
    237. Stefejb
    238. Sue09
    239. Sukielou75
    240. Summertea
    241. Sweetpea03
    242. Taka
    243. The_Cat
    244. ThriftyLass
    245. ThriftyScotsLass
    246. Tigerseye
    247. Tigwell
    248. Tracey04
    249. Trex170104
    250. Truthseeker
    251. Tryingtodobetter
    252. Twinkle_Star
    253. Vixstar
    254. Wendyw1947
    255. Wendywitch
    256. Wherediditallgo
    257. Whiskylizzie
    258. Whitetigeress333
    259. Whitevanwoman
    260. Whitewing
    261. Whowants2brich
    262. Wornoutmumoftwo
    263. XNatalie81X
    264. Yoshimi2306
    265. Zelie
    266. Zoe260373
    Last edited by Frugaldom; 24-09-2009 at 8:10 AM. Reason: Updating the challenger 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!
    • Frugaldom
    • By Frugaldom 30th Jun 09, 10:52 PM
    • 6,138 Posts
    • 54,188 Thanks
    Frugaldom
    • #3
    • 30th Jun 09, 10:52 PM
    The story so far...
    • #3
    • 30th Jun 09, 10:52 PM
    We are now 50% of the way through the 4,000 challenge. If your budget was the 4,000 and you started with that amount of cash 'up front', then you should have around 2,000 remaining to pay for the next 6 months.

    Living on a strict budget means frugal living. Frugal living can include sharing, buying secondhand, trading, swapping, exchanging, making, cooking from scratch, bargain hunting, only buying what is really essential, home baking, veggie growing, hen keeping, old style housekeeping and, even, a degree of self-sufficiency may be the ultimate goal. Whatever reason you have chosen to live on a strict budget, the end result should leave you feeling satisfied, debt free and with money saved for a rainy day. Some of us have already achieved some of our goals, but then we set ourselves some more and challenge ourselves to succeed in attaining those, as well.

    With or without current debts, we all wannabe debt free FOREVER.
    Last edited by Frugaldom; 30-06-2009 at 11:12 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!
  • sophiesmum
    • #4
    • 30th Jun 09, 11:50 PM
    • #4
    • 30th Jun 09, 11:50 PM
    Good evening frunchkins it's turned 12:00am so officially in 3rd quarter of this year's challenge.making my first post

    General aims to continue with on the challenge:
    • stockpile/storecupboard for food, toiletries, gifts
    • batch cooking, menu planning,
    • preserving (jams, marmalades, curds, chutneys, dehydrating etc)
    • growing own fruit and veggies
    • reducing, reusing,recycling as much as possible
    • energy efficiency
    • stockpile paper logs for supplementing winter fuel
    • monitoring spending
    • neutralising extra spending
    • making use of points,vouchers,cashback etc to offset costs of gifts etc
    • swap plants, produce etc with frugal neighbour
    Have been slacking in the increasing income department so have challenged myself to earn 350 for an item I would like for the cottage. Just had my e mail from quidco to say 20.64 is on it's way to my account so I am off the starting block, I think there is still a little matched betting cash lurking in some of OH's accounts too so will find time to have a trawl around those and see what I can dig up
    Reduce,re-use, recycle.






    • JAMIEDODGER
    • By JAMIEDODGER 1st Jul 09, 5:05 AM
    • 4,271 Posts
    • 18,694 Thanks
    JAMIEDODGER
    • #5
    • 1st Jul 09, 5:05 AM
    • #5
    • 1st Jul 09, 5:05 AM
    Morning! Still haven't fixed laptop so am coping with mobile to access web instead. Have everything in place for starting challenge as of today.

    Npower have increased my electric direct debit so I have had to redo figures but hopefully I can make this balance by spending slightly less on food.

    Until laptop is fixed I will only be updating figures once in a while, but will check in when I can. Good luck everyone!
  • savingfortravel
    • #6
    • 1st Jul 09, 5:49 AM
    • #6
    • 1st Jul 09, 5:49 AM
    Finally able to sort out our current money situation last night.
    Hopefully able to set some kind of budget for rest of year.

    Keep up the good work everyone!

    sft
    Frugal Living 2010 member MFW by 2014 Was 88,000 now 46,877.90 Grocery Budget for Dec-April=173.72/244 (Groc Budget 2010 from Ebay/Voucher savings/Quidco -If we can do it will save our 980 GC budget) Now living the dream -in our tiny country cottage-all thanks to MS forums. x 39 2 go
    Stockpile Savings: 89.72 Voucher savings 8
    • cw18
    • By cw18 1st Jul 09, 6:32 AM
    • 8,037 Posts
    • 85,940 Thanks
    cw18
    • #7
    • 1st Jul 09, 6:32 AM
    • #7
    • 1st Jul 09, 6:32 AM
    Morning everyone - and happy part 3 Here's to us all having successes over the next 3 months, 6 months and longer


    Having re-read my 'accounts' post from yesterday, I'm keeping my fingers firmly crossed that I can retain most of the underspend to date as an underspend. However, I think this mainly hinges on four things.....

    1. How much work the car needs at service/MOT time, which I'll know by the end of this month.

    2. How much my car insurance goes up by! I really do need to figure out a more precise estimate of expected mileage in the next couple of weeks, as I shaved a lot off the premium last year by changing from an 'unlimited' to 'fixed' policy. However, I'm not sure I'm as confident I can stick to the same fixed mileage for next year :confused: Again, I'll know this by the end of July as my renewal date is 1st August.

    3. How much I spend on DS's birthday - when I set my present budget I forgot that this year (actually this month) is his 18th He's muttered about driving lessons a couple of times, but my Dad paid for these for DD (not that she passed a test) and would have for elder DS had the army not done so instead. So I don't yet know whether I'll have to find the money for these or whether I'm going to have to sort something else out for him (must phone my Dad this week and ask!). If I end up paying, then I'll have to keep it out of the challenge - which I can afford to do this year, due to my budget being less than my income.

    4. What my buildings and contents insurance comes in at this year - and being due early December, this could catch me out at the last minute. When I called them last year to take DH off the policy they tried increasing my premium by over 10% When I queried how come it put the price up, they said it was actually 'cos DS was over 16 - and they'd failed to flag it to the system for my renewal quote at the end of 2007 or 2008 I had quite a heated conversation with them - pointing out he was still a student, and still a dependant child for whom I received Child Benefit, at which they relented. However, especially with him turning 18 this month, I can see there being a larger increase than I've allowed for which I will have to try fighting again !!! Unfortunately I can't get the contents cover I need with any other company (or not without paying at least twice as much)
    Cheryl
    • whitewing
    • By whitewing 1st Jul 09, 7:21 AM
    • 11,540 Posts
    • 48,331 Thanks
    whitewing
    • #8
    • 1st Jul 09, 7:21 AM
    • #8
    • 1st Jul 09, 7:21 AM
    Hello. I'm here.

    May pop out later to buy a pregnancy test.
    When you find people who not only tolerate your quirks but celebrate them with glad cries of "Me too!" be sure to cherish them. Because these weirdos are your true family.
    • Frugaldom
    • By Frugaldom 1st Jul 09, 7:24 AM
    • 6,138 Posts
    • 54,188 Thanks
    Frugaldom
    • #9
    • 1st Jul 09, 7:24 AM
    Good Morning everyone :)
    • #9
    • 1st Jul 09, 7:24 AM
    Heatwave is continuing here but it has been so humid overnight that last night's watering is still evident both in the greenhouse and out in the garden, so that's saved me an hour this morning already.

    CW18 - I got my DS his driving lessons for his 17th and I was able to get a decent discount via B$M, plus they accept Te$co Deal$ as payment - worth thinking about if you save them. At that point (just over 3 years ago) it cost about 100 for 6 lessons and we supplemented his driving hours by letting him practice on the old airfield near us. When I was learning to drive, we used the farmyard and driveway or Dad took me to what used to be the show ground. Most others used the huge industrial estate a few miles from where I grew up.) They reckon 40 hours of good driving experience is enough to pass a test, so get him the 'L' plates ASAP and encourage him to save to buy his own car. Just my take on things, you never know where you might end up living and a car may be the only mode of transport available.

    SM, I need to add another general aim to your list - becoming a member of the local LETS group.

    On a completely different note, it's 1st July, summer is upon us and the summer sales have begun! Anyone else get the email about the boxset sale at HM\/? I almost went straight there, only stopping to log in via cashback and have now got DGD's birthday, part of DS's & DGS's Christmas, plus Christmas pressie for one of my niece's. I also indulged myself in a 2.99 gift for me! So, that was 3 individual films and 5 box sets for a grand total of 30.93 and there was FREE DELIVERY!

    Edited in: WHITEWING - Good luck!
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
    • whitewing
    • By whitewing 1st Jul 09, 7:39 AM
    • 11,540 Posts
    • 48,331 Thanks
    whitewing
    Lol, don't get too excited. My 'symptoms' are that my period may be late (but I'm not too good at writing it on the calendar, and I never remember when I had it), and that the front and back of my knees have been killing me over the past few days (only Peppermint Cooling Gel works on it) and that I have been exceptionally tired and exceptionally grumpy.

    On our way home last night I wanted to buy a test in our local supermarket. But DH followed me in so I ended up buying red wine, paracetemol and sanitary items instead! Safe to say, he has no idea. (I want to announce it properly if I am, as it's the only one he'll be getting, lol). But I was so grumpy about my unnecessary spends last night - all 6.01 of it.

    Had a much better sleep last night so am happier and less headachey today.
    When you find people who not only tolerate your quirks but celebrate them with glad cries of "Me too!" be sure to cherish them. Because these weirdos are your true family.
    • shaz_mum_of _2
    • By shaz_mum_of _2 1st Jul 09, 7:54 AM
    • 2,014 Posts
    • 15,314 Thanks
    shaz_mum_of _2
    Lol, don't get too excited. My 'symptoms' are that my period may be late (but I'm not too good at writing it on the calendar, and I never remember when I had it), and that the front and back of my knees have been killing me over the past few days (only Peppermint Cooling Gel works on it) and that I have been exceptionally tired and exceptionally grumpy.

    On our way home last night I wanted to buy a test in our local supermarket. But DH followed me in so I ended up buying red wine, paracetemol and sanitary items instead! Safe to say, he has no idea. (I want to announce it properly if I am, as it's the only one he'll be getting, lol). But I was so grumpy about my unnecessary spends last night - all 6.01 of it.

    Had a much better sleep last night so am happier and less headachey today.
    Originally posted by whitewing

    Hope it's good news Whitewing
    *****
    Shaz
    *****
  • bails
    Morning everyone and thanks for the new thread Nyk! Lovely to see the heartfelt posts at the end of the last thread - this community is very special indeed.

    Thanks for the HMV heads up Nyk, we've just ordered Series 5 of The Wire via Quidc0 We've just finished Series 4 (the first box set we've ever bought) and are going to sell it on

    Good luck to everyone at the start of Part 3
    My aim for today is to make a menu plan to use up as much of the food we have as possible before we go (we have lots ).

    Fingers crossed for you Whitewing.
    The 1,000 Day Challenge:
    Feb 16, 2016

    500/30,000
    1.67%
    • cha97michelle
    • By cha97michelle 1st Jul 09, 8:59 AM
    • 5,618 Posts
    • 67,611 Thanks
    cha97michelle
    Hi everyone

    I am still not up to date with my figures for June. I really lost it there for a while, but i am back with it now and aiming to live as cheaply as possible to see if it really is an option for me to not work for a while and still be able to pay off the mortgage earlier at the same time and have a nice time with the kids.

    My big aims this quarter are:
    • sort the garden - make sure we learn from this years mistakes and are prepared best we can for next year - use as much grey water as we can for watering now the water butts are empty as costs would soon build up on the water meter.
    • try to make every penny we do have work as hard as possible for us
    • read the tightwad gazette to see what else i can try
    • get fitter not fatter otherwise i will need to buy more clothes, and i might not find the heat so unbearbable (about a stone and a half would be fab)
    • get back into meal planning better - a few things have been chucked out in the last few weeks and it really irks me to do it. sloppy buying and sloppy planning.

    whitewing i am keeping my fingers crossed for you. It might be worth buying some cheap pregnancy tests from e.bay. They sell just the sticks you wee on, and they are about 3 for 5 or probably cheaper if you look around. Provide your own pot and it makes it cheaper. That would be fab news to start the quarter with.

    sf hope that hand is healing nicely.
    • Mollymop5
    • By Mollymop5 1st Jul 09, 9:23 AM
    • 2,089 Posts
    • 6,791 Thanks
    Mollymop5
    Morning everyone.I'm still about though don't get to post very often.I read everyday though and love hearing about how yous are getting on.Good luck whitewing.fingers crossed
    lost my way but now I'm back ! roll on 2013
    spc member 72

  • HH62
    First off thanks to everyone who's involved in this challenge Nykmedia and everyone else for all your hard work over the last 6 months helping everyone to stay on track!

    I'm in again (keep saying this on the first of the month but this second half of 2009 I really must pull the reins in).
    Yesterday and today are very expensive days for me - car tax, car insurance both due, and car had its first MOT and a service on Monday. My total spend since Monday has been 914. I've considered getting rid of my car but it's not feasible - I live in a village and there's no reliable taxi service. We do have a rail station but it's a very limited service. I can't manage without my car. So the car stays, despite the expense this week it's cheap to run and I would just lose too much independence if I didn't have it.

    Today, 1st of the month, a lot of my DD's go out.
    I'm still trying to get some sort of spreadsheet together (I don't know how to do it) and in the meantime will use Spending Diary.
    Monthly budget to cover everything (not mortgage/rent) is 600. Living in a one person household.

    On a positive note, I know where I spend too much - food, gas in the winter (I hate being cold), chocolates, sweets, cakes (I don't count those as food), and random/impulse spending on things like make up and I'm obssessed with buying brand new pads and pens (dont ask!!) I'm just not very good at cutting back, especially on my food.

    My challenge till the end of the year

    1) Stay within 600 monthly budget.

    2) Drastically cut back on consumption of sweets/chocolate/biscuits etc. I need to lose weight so this will help finances and figure!

    3) Really look at food spending and find ways to cut back, and do a lot more cooking myself.

    Good luck to everyone for this next half of 2009.
    • cw18
    • By cw18 1st Jul 09, 10:13 AM
    • 8,037 Posts
    • 85,940 Thanks
    cw18
    CW18 - I got my DS his driving lessons for his 17th and I was able to get a decent discount via B$M, plus they accept Te$co Deal$ as payment - worth thinking about if you save them.
    Originally posted by nykmedia
    I don't save my Deal$ for swapping - only time I've not used them directly against a grocery shop was a couple of weeks ago when I exchanged 10 worth so I could spend 20 in the clothes dept (which included 7 of school tights for GDs, which I've had back from DD). I have the sum total of 4.50 worth in my purse :rolleyes2

    Wouldn't touch B$M with a barge-pole either. They were the bunch my Dad paid for DDs lessons, and the instructors she had were useless (and local to us). I took her out a couple of times in my car (when I had a diesel estate) and she said she felt she learned more with me than them - purely 'cos I only snapped instructions at her if she was doing something wrong, while they were still talking her through every move after 12 months of lessons She gave up shortly after, and I don't have the patience to teach her properly - nor the money for the extra on the car insurance.......

    Our next-door neighbour is a self-employed instructor, and has promised us a 'neighbours discount'. DS isn't convinced about using someone who lives so close, but seems to me that it's ideal - if we get them kick-started soon, then if he gets a cancellation we're only round the corner for him to bump in an extra lesson for DS (or see if he can change DSs lesson from a different time to fill in the gap)

    Unfortunately we don't have any private land around here to take him for a practise - would need insurance in place even to use the supermarket car parks after hours (used F0cus for DDs first try in my car with their permission, having proven to the manager she was on my insurance)



    Whitewing - fingers crossed here
    Cheryl
    • redglass
    • By redglass 1st Jul 09, 10:13 AM
    • 771 Posts
    • 8,839 Thanks
    redglass
    Haven't been able to do more than the occasional lurk for ages now - just as well since I'm considerably over target (but still loads more frugal than I used to be). Hello to you all and (((hugs)))) and for all of you who need/deserve them!

    I've just had to cancel a National Coaches return ticket that I bought as 'amendable'. I now discover that the cost of amending the journey, done in a few minutes by phone, would make it much more expensive than just throwing away the old ticket and buying a new one online, so in effect I can't amend it. I can't give it away, either: it's 'non-transferable' (why? It's a bus ticket, not a prescribed medicine). This is a shameless rip-off and I think Martin should have a campaign about it. Is there any way moneysavers can contact him directly and make suggestions about future campaigns?
    'Whatever you dream you can do, begin it. Boldness has genius, power and magic in it. Begin now.' Goethe



    • slowlyfading
    • By slowlyfading 1st Jul 09, 10:26 AM
    • 13,025 Posts
    • 75,108 Thanks
    slowlyfading
    sf hope that hand is healing nicely.
    Originally posted by cha97michelle
    Thanks, its slowly becoming less painful hope you're okay xx

    whitewing, hope the news is good xx
    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 / May NSD - 3 / In pursuit of FIRE
    • Frugaldom
    • By Frugaldom 1st Jul 09, 10:44 AM
    • 6,138 Posts
    • 54,188 Thanks
    Frugaldom
    Is there any way moneysavers can contact him directly and make suggestions about future campaigns?
    Originally posted by redglass
    Could you go onto one of his threads and then PM him or ask in the thread where best to post the question? It's ridiculous for something to be sold as capable of being amended but forget to add that it will cost extra and there's a non-transferrable clause. Are you sure it doesn't mean non-transferable to a different route rather than different person? I've never known any driver ask for ID.

    Right now, it is RAINING here! It just started all of a sudden, no warning, no heavy clouds rolling in, nothing - just a shower of rain from nowhere to water the grass and gardens It isn't heavy enough to chase the poultry indoors but it's enough to give the veggies a drink

    Ddraig says to say hello to you all, she's a bit snowed under with stuff at the moment and will pop in soon

    HH, does your 600+ include all debt payments, bills and general cost of living or is that just the cost of living part? Are you part of the grocery challenge?

    Hi Redglass

    Just readjusting my totals after spending a ridiculous 2.99 this morning on a 12L plastic bucket for making the champagne. HS got it when doing the post office run, so that's more spending without even leaving the house. :rolleyes: Still, if I can make 10 litres of champagne for less that 50p per litre, then that suits me just fine. And I'll still have the bucket for reusing, so each subsequent batch becomes cheaper. Now I just need to get as many bottles gathered together as possible and make space in the garage for storing it all.
    Last edited by Frugaldom; 01-07-2009 at 11:00 AM.
    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 1st Jul 09, 10:51 AM
    • 1,357 Posts
    • 11,182 Thanks
    Skint Lynne
    Good morning all,

    A new thread and onto the second half of the year. I have a new notebook at the ready, waiting to record my spends. The first frugal thing that I have done is have a look at my broken shower. It's one of these where you pull the cord, DH pulls the cord too readily and breaks it all the time. It was 60 the last time I had it fixed, so I have decided to try it myself.

    I have unscrewed it and it looks as if it would be as easy as changing a plug. I'll go along to the DIY place and try and get another one. Will see how much it costs and if I succeed in repairing it myself.

    DH promised to look at it, but as I have been waiting for 5 1/2 years for him to put up 2 curtain poles, I don't hold out much hope.:rolleyes:

    I'm off to continue with my cleaning expedition, so will check in later. xx
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