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  • FIRST POST
    • Frugaldom
    • By Frugaldom 30th Sep 09, 3:50 PM
    • 6,136Posts
    • 54,178Thanks
    Frugaldom
    Live on 4,000 for a year - 2009, Part 4
    • #1
    • 30th Sep 09, 3:50 PM
    Live on 4,000 for a year - 2009, Part 4 30th Sep 09 at 3:50 PM
    Live on 4,000 for a Year - 2009 Challenge
    Part 4, October - December 2009

    Intro - Introduction to the Cost of Living / Frugal Living Challenge 2010

    Part 1 - January - March 2010

    Part 1 - January to March 2009
    Part 2 - April to June 2009
    Part 3 - July to September 2009
    Part 4 - October to December 2009

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

    ====================================
    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 off debts and save for wants. It runs from 1st January to 31st December 2009. The links will give you an idea of how previous challenges have gone.

    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 (car, 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. The following is for a household of 3 adults.

    Food - 1,200.00 (for household of 3 adults)
    Toiletries - 50.00
    Cleaning - 20.00
    Electricity - 1,200.00 (we have no central heating, only electric storage heaters)
    Coal - 160.00
    Logs - 200.00
    Internet - 240.00
    Mobiles - 30.00
    Telephone - 150.00
    Clothing & Footwear - 100.00
    Gifts - 400.00
    Extras - 50.00
    Travel - 100.00
    Insurance - 47.50
    Misc - 52.50
    TOTAL - 4,000.00

    The above are things I choose to include within my 4,000 budget. Some people choose to have TV, telephones and/or Internet at home, even although these are not essential. How you prepare your budget is up to you. Whatever you include in this challenge, the choice is yours. 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 budgets in the challenger 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.

    NB: 2010 challenge will start with a new challenger list to avoid too many names being included who are no longer participating.
    Last edited by Frugaldom; 31-12-2009 at 7:28 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!
Page 1
    • Frugaldom
    • By Frugaldom 30th Sep 09, 3:51 PM
    • 6,136 Posts
    • 54,178 Thanks
    Frugaldom
    • #2
    • 30th Sep 09, 3:51 PM
    Challenger list
    • #2
    • 30th Sep 09, 3:51 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. Ansoff
    20. Artnoble
    21. Azjh77
    22. Bails
    23. Barefootlinzi
    24. Barole
    25. Bigbullyweedave
    26. BigEars
    27. BigSpender2
    28. Blackfairykitten
    29. Blairweech
    30. Bleufleur
    31. Blissfullydebtfreewannabe
    32. BlondeMuppet
    33. Blueberrypie
    34. Bluesteel705
    35. Bonaventure Babes
    36. Boomdocker
    37. Boring Beige
    38. Brighton Belle
    39. Broke mum of three
    40. Buffythedebtslayer
    41. Bunny too
    42. Candygirl
    43. CannyClaire
    44. Carlsberg
    45. CarolBee
    46. Carolinabirichina
    47. Catzine
    48. Cha97Michelle
    49. Chaddee
    50. CharlieDavis
    51. Charlies Angel
    52. Che75
    53. Cheerfullness4
    54. Chewits
    55. Chika (from 23/02/09)
    56. Chriz1000
    57. Cornishinfens
    58. Cranky40
    59. Cumbrianmum
    60. CW18
    61. Darnit
    62. DdraigGoch
    63. Debrag
    64. DFW844
    65. Djenks
    66. DJJoJoJuice
    67. DND
    68. Don't want to be in debt
    69. Doom_and_Gloom
    70. EagerLearner
    71. EDaniels1983
    72. Eilo1007
    73. Elantan
    74. Enjoyfinancialchallenges
    75. Ephemera
    76. Esthomizzy
    77. Fairywings
    78. Fallen Angel Shelley
    79. Findingmyfeet
    80. Fireangel
    81. Fizzel81
    82. Flowerofthewest
    83. FrankieM
    84. Freyaluck
    85. Frugal Fox
    86. Frugalmum
    87. Funbrum
    88. Funkyfunkymonkey
    89. Gem2509
    90. GemGems
    91. Georgiasmum
    92. Gillst
    93. GlendaM
    94. Grandma247
    95. Grunnie
    96. Guesty6
    97. Hansolo81
    98. Hardup Hester
    99. Headofsteam
    100. HH62
    101. Hopeless_Spendthrift
    102. Hypno06
    103. IGiveUp
    104. IhateDebt
    105. Ilovetea
    106. Impomdasp
    107. In Search of Me
    108. InTheRed
    109. Jamiedodger
    110. Jammiejen
    111. Janey51
    112. January20
    113. Jay1
    114. JennyBee
    115. JennyShrew
    116. JTB2412
    117. Juliejay
    118. Jumble-Bee
    119. Junglegirl
    120. JustKeepSwimming
    121. Kayharcombe
    122. Kayleighj
    123. Kbarty
    124. Keren29
    125. Kerron7
    126. Kiki
    127. KittieJ
    128. Kittikins
    129. KiwiGirl
    130. Kizzie01
    131. Ladymoon
    132. LadyRoughneck
    133. Lalaladybird
    134. Laurabelle
    135. Lexxi
    136. Lilac_Lady
    137. Liloandstitch
    138. LilyBee
    139. LingoJingo
    140. Little_Miss_Moneysaver
    141. LittleMissClimsy
    142. Liuhut
    143. Lmac
    144. LoadedIWish
    145. Loadedlaura
    146. LollopyBear
    147. Looby-Loo
    148. Loopylou21
    149. Loveday69
    150. LyndaSharp
    151. Lysasparkles
    152. Macwah97
    153. Mah_Jong
    154. Mama67
    155. Marru
    156. Masomnia
    157. Maverickangel
    158. Mbaz
    159. McSaver
    160. Micron
    161. Milliemonster
    162. Mini_huny_money
    163. Miss Empty Piggy
    164. Miss_Pink
    165. Miss R
    166. Missal
    167. MK Wotsit
    168. Mollymop5
    169. MrDT
    170. MSHAWX
    171. Mumzyof2
    172. Naomim
    173. Nate123
    174. NEGirl
    175. Nickynoo08
    176. Nicola1982
    177. Nimbo
    178. Nodebtdiva
    179. Nonstepfordwife
    180. Notanothergreyhair
    181. Nykmedia - 4,000
    182. OldMcDonald
    183. Oliveoyl
    184. OptimisticPair
    185. Paul Varjak
    186. Paulgonnabedebtfree
    187. Pauper1
    188. Penny2myname
    189. Penny54
    190. PetitePeche
    191. Pip's Mum
    192. Pollydaydream
    193. Princess Leia
    194. Protogenia
    195. Prudent
    196. Purple_Sparkles
    197. Purplevamp
    198. Puss14
    199. Queen_B
    200. Rachyp
    201. Rafiki
    202. Ram_murdock
    203. Raychee
    204. RebekahR
    205. Redglass
    206. RedMel1621
    207. Sallyrsm
    208. Sam79
    209. Sammey90
    210. Sarah147
    211. SarahB123
    212. Sashacat
    213. Sassamac
    214. Save-a-holic
    215. Saverram
    216. Savingfortravel
    217. Scorpio04
    218. Scrooge2008
    219. Sewbocushions
    220. Shaz_mum_of_2
    221. Shazrobo
    222. Shell37
    223. Shelovestobuystuff
    224. Shorelines
    225. SiannieLaz
    226. Silkbeast
    227. Sillylittlejill
    228. SixteenthofJune
    229. Skint Lynne
    230. Skint_Chick
    231. Skintwellie
    232. Slackster
    233. Slowlyfading
    234. Smart21
    235. SmlSave
    236. Snow White
    237. SophiesMum
    238. Sorting Out
    239. Sos999
    240. Stefejb
    241. Sue09
    242. Sukielou75
    243. Summertea
    244. Sweetpea03
    245. Taka
    246. The_Cat
    247. ThriftyLass
    248. ThriftyScotsLass
    249. Tigerseye
    250. Tigwell
    251. Tracey04
    252. Trex170104
    253. Truthseeker
    254. Tryingtodobetter
    255. Twinkle_Star
    256. Vixstar
    257. Wendyw1947
    258. Wendywitch
    259. Wherediditallgo
    260. Whiskylizzie
    261. Whitetigeress333
    262. Whitevanwoman
    263. Whitewing
    264. Whowants2brich
    265. Wornoutmumoftwo
    266. XNatalie81X
    267. Yoshimi2306
    268. Zelie
    269. Zoe260373
    If you would like to take part in our frugal living challenge, please PM me your username so I can update the challenger list.
    Last edited by Frugaldom; 08-11-2009 at 9:54 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!
    • Frugaldom
    • By Frugaldom 30th Sep 09, 3:52 PM
    • 6,136 Posts
    • 54,178 Thanks
    Frugaldom
    • #3
    • 30th Sep 09, 3:52 PM
    Handy links for frugal living
    • #3
    • 30th Sep 09, 3:52 PM
    Living on a budget = living within our means.
    If you only have 50 per week then that's all you can spend without incurring debt. The 4k challenge allows for approximately 76 per week. Many of us supplement our incomes and cut our costs in various ways such as:
    housesharing
    getting a lodger
    shopping via cashback sites,
    buying reduced items in stores,
    batch cooking,
    making the most of charity shops,
    joining Freecycle or other similar waste awareness and recycling associations,
    becoming active members of trading & exchange groups such as LETS,
    growing our own fruit & veg,
    preserving & winemaking
    card & gift making
    order splitting for better discounts,
    landsharing,
    free scratchcards,
    matched betting,
    free online bingo,
    eBid and eBay trading
    etc, etc, etc...

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

    1000 in 100 days - our 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 (ideal for regular travellers)
    Complete (MSE) cooking collection - Loads and loads and loads of recipes
    Crafting for Christmas - homemade presents
    Electricity & Gas savings - monitor your electricity & gas with the MoneySaving Carbon Club
    Flannel Cake making - unusual 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
    Leftovers - don't bin them, get creative, make another meal.
    LETS - Local Exchange Trading Schemes and alternative currencies within communities
    Martin's mad moneysaver ads - a surprising new addition to the site - advertising offers!
    Martin's current offers & discount codes - updated daily
    Menu Planning - hundreds of options and suggestions
    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
    Weezl74's 50p per day eating healthily thread
    Will Power & Billy Can - part 1, part 2, part 3

    This post will be updated regularly
    Last edited by Frugaldom; 23-12-2009 at 10:42 AM. Reason: Adding in links
    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 Sep 09, 4:03 PM
    • 6,136 Posts
    • 54,178 Thanks
    Frugaldom
    • #4
    • 30th Sep 09, 4:03 PM
    Welcome to part 4 of the 4k challenge
    • #4
    • 30th Sep 09, 4:03 PM
    Welcome to part 4!

    The final quarter of our challenge runs from 1st October to 31st December 2009. I'd like to take the opportunity to welcome all our new challengers who are carrying out trial runs for the final stage in preparation for joining us here in the 2010 challenge. I'm not sure how many hundreds of pages we could fill with all our posts starting from 2007 but it amounts to a great deal of helpful information, that's for sure! I've been living the frugal life for several years now and it never ceases to amaze me the number of new 'tricks' I am still learning from fellow frugalites.

    Keep up the good work, budget for your needs, shift those debts, build up those savings and you'll soon be reaping the rewards.

    STILL LOVING THIS CHALLENGE THANKS TO YOU GUYS!
    Last edited by Frugaldom; 30-09-2009 at 4:15 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!
    • whitewing
    • By whitewing 30th Sep 09, 4:04 PM
    • 11,540 Posts
    • 48,331 Thanks
    whitewing
    • #5
    • 30th Sep 09, 4:04 PM
    • #5
    • 30th Sep 09, 4:04 PM
    Good luck everyone in the run up to Christmas and New Year!
    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.
    • slowlyfading
    • By slowlyfading 30th Sep 09, 4:14 PM
    • 13,024 Posts
    • 75,105 Thanks
    slowlyfading
    • #6
    • 30th Sep 09, 4:14 PM
    • #6
    • 30th Sep 09, 4:14 PM
    Yay, new thread

    I think today is going to be a NSD, but I won't declare it just yet
    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
    • Mooloo
    • By Mooloo 30th Sep 09, 4:33 PM
    • 10,538 Posts
    • 54,147 Thanks
    Mooloo
    • #7
    • 30th Sep 09, 4:33 PM
    • #7
    • 30th Sep 09, 4:33 PM
    Oh dear, I have blown all reconition of the budget for me. Today I spent 200!! Eek. After DS lost his mobile phone last week, its been difficult sorting him out. Then with the mad woman from "kingsheath", and her death threats, I have bought myself a new phone (Could have just got a sim card, but the back of phone has been long gone, the battery hardly lasts a day, and some other bits are falling off of it, so I got a new phone too), and two new sims for the twins, so that we can all remain on a family pack, where we can all be intouch. I dont want the afore mentioned person sending malicious mail to the twins either. She told twin1 she would "burn her in her own house", meaning me. Not a nice thing to send, and not something that someone with learning difficulties can put aside easily.
    DS also needed some new boots for going on the Bike, (he only had a pair of trainers). And 13.66 of that went in the 99p shop, buying the washingup liquid, shampoo, soap and the things that DS needed, so he is less smelly!!

    So if I dont manage this frugal life this time round I will be introuble.
    I still havent managed to work out what is going to be coming in, or not. DS hasnt got his EMA or expenses through, and my petrol is still about 60 a week!. So I have a problem.
    Back to the drawing board. Back to basics, and I have got to stop procrastinating, and buying on impulse again!. And in June/July I was doing so well. (Well I thought I was).
    This is my last chance to practise if I want to join in properly next year.!
    My motivational skills need to be dragged back. So I am off to re read the beginning of the links etc. To inspire me again, and hope that I wont be so naughty with my spending, and can drag myself back in line!.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • slowlyfading
    • By slowlyfading 30th Sep 09, 5:47 PM
    • 13,024 Posts
    • 75,105 Thanks
    slowlyfading
    • #8
    • 30th Sep 09, 5:47 PM
    • #8
    • 30th Sep 09, 5:47 PM
    Mooloo, you can do this just think about what you really need, and see if you can do without. Easier said than done, I know. Chin up xx


    Today is NSD no 21 for me - that's 8 more than I had as my aim for september. SO pleased with this!
    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
  • sophiesmum
    • #9
    • 30th Sep 09, 5:57 PM
    • #9
    • 30th Sep 09, 5:57 PM
    well done sf I'm on 3 out of 3 so far this week

    Nyk - I have the chartered Instiute of environmental health food hygiene thingy and we are expected to sit it every third year to keep up with changes in legislation. When I worked in the restaurant we did it every 12 months.
    Last edited by sophiesmum; 30-09-2009 at 6:01 PM.
    Reduce,re-use, recycle.






    • ilovetea
    • By ilovetea 30th Sep 09, 6:19 PM
    • 905 Posts
    • 7,125 Thanks
    ilovetea
    Hi. Will admit I completely lost track last month.I had money left over and my bank balance is better than usual (mainly because of the tips and ideas on MSE)so something must be right.
    Reckon I have 750 left,to last until January.
    November might be hard as I'm going down south for my DDs graduation and to the Good Food Show. Tickets for the train and the show are already bought,but have a sneeky feeling I might need/want to buy something.Seems a shame not to after going all that way.
    Trying to get some room in the freezer.It's full of bits and pieces that seem to fall out,so need using before I have broken toes.
    Off to watch Bill Grainger doing things with leftovers,
    ilovetea x
    #17 Make 2019 in 2019. 1,538.03.
    • Vixstar
    • By Vixstar 30th Sep 09, 6:35 PM
    • 966 Posts
    • 2,837 Thanks
    Vixstar
    Yay new thread!!
    • thriftylass
    • By thriftylass 30th Sep 09, 7:26 PM
    • 3,488 Posts
    • 29,016 Thanks
    thriftylass
    Mooloo, you can do it. I hope that mad person leaves you in peace soon and then your motivation and focus should be back in no time.
    Nyk, well done on passing your exam.

    Woohoo new thread, last quarter of the year already.

    This month I was expecting some backpay (half years worth of pay increment) form two years ago that they missed giving me. But I forgot to sent off the acceptance letter, doh. So hopefully will get it next month.

    Not done too bad this month, stayed within my 500 limit that I set to make my total budget of 7K. Here are my numbers:

    Total 483
    leccy 30
    Food and HH 130
    other 283 (wedding, crafts, dentist going out, clothes etc.) :rolleyes:
    mobile and other bills 37
    NST Feb 19
    SFD4/20spends 66/380
    Exercise 0/20
    Debt - all 0% 1000 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 99356 (01/19) OP 680
    • Frugaldom
    • By Frugaldom 1st Oct 09, 7:18 AM
    • 6,136 Posts
    • 54,178 Thanks
    Frugaldom
    Good morning frugal friends and welcome to OCTOBER!

    Fine day here, so the washing is on and last night's foraging haul is now simmering in the pan to make my final lot of hedgerow jelly for this year. Slim pickings, but we got enough for a couple of large jars, I hope.

    Temperature in here is 14 degrees, all the windows are condensated despite the dehumidifier being on and relative humidity is at 78%, so I'm hoping there'll be a breeze outside to help dry the washing.

    This is also the first day of my monitoring what I eat against how many hours I spend sitting at a desk! I've joined the diet thread and want to shift the 2 stone I have gained since quitting smoking almost 2 years ago. I do still indulge in the habit at special celebrations and get togethers but I have been very insistent in saving my 1.35 per day since January 1st 2008.



    Main aims for final quarter of 2009:
    1. Succeed in this challenge
    2. Get my passport
    3. Lose some weight
    4. Go visit family for a few days
    5. Get back out running (ankle seems fine after jogging last night)
    Mooloo, if frugalising is something that you really want to do then the penny will drop one day, it just takes time to sift through all your needs and wants, get them into the right order and then stick with the budget. However, once things do fall into place, you'll be amazed at how simple life can be and wonder at your own ability to have got into any financial difficulties in the first place. That's how I feel anout it, anyway. Hindsight isn't so useless when it can be used to help others, so take a few more baby steps before getting into the full swing of frugal living. Perhaps your DDs' budgets need sorting out more than yours at the moment, as it seems to be those family-associated costs like the car/travel that are scuppering your own plans. As for the death-threat woman, I hope you reported her to the police. I'm guessing she was a friend with a serious problem, as she had all your mobile numbers in the first place, but I wouldn't let that stop me reporting her.

    Re the environmental health food safety Level 2 certificate - I wouldn't really class it as an exam, it was more of a half hour multi-choice that looked almost impossible for anyone to fail. It took a couple of hours in total to read all the notes, do the practice questions, take the test and find out my score. To be hinest, I thought I was still on the practice run and only realised I wasn't when I ticked a wrong box and tried to go back to correct it! :rolleyes: You can even get 5 cashback if you pay for it online. My last employer paid for my Health and Safety certificate, this Food Hygiene one cost me 25 + VAT, which came from my quit smoking savings. SM, I opted for the Manufacturing one rather than the Catering one but I'll bet they are both pretty much the sane despite the option being there to do both.
    Last edited by Frugaldom; 01-10-2009 at 7:24 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!
    • cw18
    • By cw18 1st Oct 09, 7:37 AM
    • 8,037 Posts
    • 85,938 Thanks
    cw18
    Morning all.....

    Won't be around much at the weekend, as I'm off to a 24 hour scrap-booking get-together (crop) from Saturday morning..... it's a fund-raiser for Breast Cancer Awareness month.

    Still need to get ready for it, which starts with doing a food shop today (so DS has a pizza in for Saturday, and I have everything I need until at least Monday. Actually plan to try and get all the frozen stuff I need for the month from Mr T, but will have to spend an hour or so re-jigging my freezers before going to see if I actually have enough space :rolleyes2

    I got several 4 off 40 spend with my last Clubc@rd statement - but haven't managed to use any yet (despite them expiring) as I've just not needed/wanted/been able to afford anything. Have made a list for today (which includes 5.90 of stuff for DD), and I'm still only at 29.92 even if I make room for everything - so it looks like I won't manage to use ANY of them as I really can't think of another 11+ of stuff I actually need in the next 6-8 weeks (Other than Novembers frozen stuff that is, which I don't have space for!!)
    Cheryl
    • Frugaldom
    • By Frugaldom 1st Oct 09, 8:01 AM
    • 6,136 Posts
    • 54,178 Thanks
    Frugaldom
    CW, you could always join me in a 'don't buy anything except milk and direst essentials' in a bid to use up what's in stock. Yesterday, I made HS and I 'pizza' from thick slices of homemade bread. I mixed some tomato puree with a sachet of spicy tomato and herb sauce (bulk bought from App F00d a while back) then spread it over the bread, added some chicken (defrosted from freezer) and then grated cheese - popped in oven/under grill and it was delicious. I really surprised myself more than anyone and will certainly be making it again. Who needs pizza bases? Have fun this weekend.
    Last edited by Frugaldom; 01-10-2009 at 8:04 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!
  • lyndasharp
    Mooloo, I hope everything gets sorted out soon xx

    Having done my finance updates, I should have 3000 for the rest of the year, but I actually have 3600, so doing OK at the moment. Things like heating bills etc will be a bit higher in winter, and my car insurance is due in December, so I'm still going to be keeping a very close watch on the budgeting! I'm just debating whether to get a shed with the surplus money, it looks like I can get a small one for 100 or so....
    Live on 11k in 2011
  • MrDT
    Hello!

    Been a long time missing from the challenge thread, but I've still been recording my figures and trying to keep spends down. I've been a bit busy recently and haven't got the time read back over the past 3 months sorry, I'll try to keep up better for this final stretch, try to read a little bit every day!

    I'm not counting rent, council tax, water, or car costs in my challenge. So far this year I've spent 3,115.55 on stuff that does count. Having reviewed my budget, 4,000 just won't be enough to cover everything, especially as Christmas is yet to come!

    I've made 932.75 so far this year in extra earnings, so that will more than offset the difference between 4,000 and my new budget of 4,400.

    I have actually made a fair bit more than 932.75 extra earnings as I get paid a decent milage allowance when travelling by car for work, but I'm not counting this 'profit' here as I think it would be a bit unfair to do so - I don't count car related 'costs' in the challenge, so don't think I should count car related 'bonuses' either. I do hope to cover enough work milage to offset the cost of my car insurance and tax for the year, in addition to the fuel used on these journeys, but that has nothing to do with this challenge really.

    Anyway, three months to go, hope you're all doing well and I look forward to stumbling across some familiar faces (well, err, avatars) even if you've all forgotten me

    • Mooloo
    • By Mooloo 1st Oct 09, 11:52 AM
    • 10,538 Posts
    • 54,147 Thanks
    Mooloo
    I havent heard any more from the "mad" woman, or the police. I did go to the police, as it was such a bombardment. She had my number because one of the twins had once run out of credit and rang me from her phone.! But she is very devious that when I changed twin1's chip on Monday, she had got the number off of twin2 before I could get amessage across to her not to.
    I have bought us all new sim cards, and a new family package, so DS, both twins and I can be intouch for 7 a month. They can call each other or me, as much as they like. Its all in that package. I just need to set up my new phone, as my phone is falling apart., so as mentioned earlier, I had bought a cheap phone.
    (before realising that the Child benefit, and the CSA had stopped being paid).
    I am feeling a little calmer, as Child benefit are going to sort it out. Lets hope that it is sooner rather then later.
    Anyway, I am going to try and enter everything on the Microsoft Money programme that my Dad had loaded onto the laptop when I first got it. 2 years ago or so.
    Thanks everyone for the motivational help.
    I am going to sit back, have my lunch now, and revamp the menu plan for the next few weeks. Then I will have to go and get DS from College.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • shaz_mum_of _2
    • By shaz_mum_of _2 1st Oct 09, 12:40 PM
    • 2,014 Posts
    • 15,314 Thanks
    shaz_mum_of _2
    Hiya all

    Nyk i will join you in the buy nothing but essentials challenge as i need to make space in the freezer for the lamb and pork at the end of the month

    Made a start already had whoopsied quiche last night and today it's liver and sausage in the slowcooker bought whoopsied(well the sausages were) and frozen

    might get a cake made too later........... a nice award winning fruit cake

    Not doing any more Uni reading cos my brain hurts off to knit instead while i cogitate!
    *****
    Shaz
    *****
    • cw18
    • By cw18 1st Oct 09, 1:40 PM
    • 8,037 Posts
    • 85,938 Thanks
    cw18
    Not sure I can join the 'buy only essentials' thing, as I managed to make the 40 spend this morning...... but only by bulk buying things I'll need both this month and later in the year !!!

    Total came to 40.30, so I scraped in to use the voucher. Thought it would be more than that, and on arriving home and keying everything into my spreadsheet have realised the spuds were 9p cheaper than shelf ticket - on offer on their website - and that she managed to miss scanning 2 x 42p packs of cooked ham

    After deducting the 4 voucher, my share of the bill was 30.40

    I also picked up a loaf of bread and some wholemeal bread rolls from Mr M on the way back (both on half price or less offers). And some dried Cranberries from Q/Save (went there for freezer bags which I also picked up), so I want to try making some Cranberry Muffins next week.......

    I still need to pick up some milk later (A1di), and while getting that will check if the cheap Neopolitan ice-cream is in stock (DS finished the last lot a couple of days ago!)


    Sorted my freezers before going shopping (took me 2 hours!), so the drawers are now organised such that I have one for veg, 1 for meal portions, 1 for soups and pies, 1 for bread & pastry products, 1 for pasta and pasta sauces, 2 for meat and fish and 2 that are still a bit of a jumble !!! I also have a fast freeze section with ice cream, ice lollies, chicken and stock, and todays freezer purchases (the latter can then move into the correct drawer as soon as I have space). Seriously hoping this makes it easier (and quicker!) to locate things I want out on a daily basis Up until now most drawers have been a jumble of everything, as I've just shoved things in wherever there was space and never sorted it out when I've defrosted/done a stock take
    Cheryl
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