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  • FIRST POST
    • Frugaldom
    • By Frugaldom 1st Jan 10, 8:12 AM
    • 6,136Posts
    • 54,178Thanks
    Frugaldom
    FRUGAL LIVING CHALLENGE 2010, part 1. (Living on 4,000 a year)
    • #1
    • 1st Jan 10, 8:12 AM
    FRUGAL LIVING CHALLENGE 2010, part 1. (Living on 4,000 a year) 1st Jan 10 at 8:12 AM
    This is the follow up thread to the 'Living on 4,000 for a Year' challenge. It has been renamed and adapted to allow a more diverse range of budgets, depending on individual circumstances. The following links will take you to all the previous challenge threads.

    Introduction to 2010 Frugal Living Challenge
    Part 1 - January to March 2010
    Part 2 - April to June 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

    IMPORTANT.
    Please respect others' lifestyles and beliefs. We are not here to judge, we are here to support. Thank you

    The challenge is about living a frugal lifestyle - establishing your true cost of living, sticking to your budget, clearing any debts and making savings wherever and however you can to enable you to live the life you really want.

    Frugal living isn't for everyone, but everyone is welcome to join us. Methods employed by our merry band of frugalers include batch cooking, stockpiling, preserving, foraging, mending, shopping in charity shops, reducing, reusing, recycling, Local Exchange Trading Schemes (LETS), Vegetable & fruit growing, allotments, keeping hens, using cashback sites and earning whatever it takes to become self sufficient in managing the cost of living without incurring debt. For some it is initially about clearing debt, for others it's about increasing savings, buying property, becoming stay at home mums or paying off the mortgage early. Some choose the lifestyle on ethical grounds. Above all, this is a fun and supportive way to manage your budget so you have control of your own cost of living. It's about NEEDS and not WANTS.

    Living on a budget = living within our means.
    Frugal = thrifty, living without waste

    Ideas to help you achieve and/or maintain debt free living
    Spend within your means
    Set a proper budget
    Houseshare
    Get a lodger
    Shop via cashback sites but always price compare,
    Buy reduced items in stores only if you need them,
    Stockpile & bulk buy
    Batch cooking,
    Make the most of charity shops,
    Join Freecycle or other similar waste awareness and recycling associations,
    LETS trading - become active members of trading & exchange groups
    bartering
    Grow your own herbs, fruit & veg,
    Preserving & winemaking
    Card & gift making
    Order splitting for better discounts & shared postal costs,
    Landsharing, allotments & frugal garden systems
    Free scratchcards,
    Matched betting,
    Free online bingo,
    eBid and eBay trading
    etc, etc, etc...

    Sample Budget
    Groceries 900.00
    Toiletries 35.00
    Heat & power 900.00
    Internet 216.00
    Mobiles 20.00
    Telephone 140.00
    Clothing & footwear 40.00
    Travel 240.00
    Household Insurance 42.50
    Council Tax 935.00
    TOTAL 3,468.50
    Monitoring and revising the budget is part of frugal living plan. Gifts & cards could all to be homemade, livestock needs to pay its own keep, anything else needs to be cash neutral.

    HANDY LINKS:
    (I am neither endorsing nor recommending any of the links provided here, members of our extended frugal community 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 (ideal for regular travellers)
    Budgetbrain - MSE's free to use budget analysis tool - BRILLIANT!
    Carrot recipes - loads of ways to use up those carrots
    CASHBACK - The official MSE list of sites offering the best cashback deals
    Cheryl's FREE spreadsheet - how to download & use it free
    Complete (MSE) cooking collection - Loads and loads and loads of recipes
    Cookingbynumbers - using up food you have in stock, free to use
    Crafting for Christmas - homemade presents
    Eggs, eggs, eggs - My '100 things to do with eggs' list
    Electricity & Gas savings - monitor your electricity & gas with the MoneySaving Carbon Club
    Flannel Cake making - unusual gifts
    Food Bargains - Discounted food, short dated and past 'BBE' dates.
    Foraging & Preserving - free foods, when, where, what to do with them
    Free 2010 OS MSE calendar - download and print
    Free crafts ideas - how to make papier mache banks etc
    Freecycle - don't bin it, rehome it.
    Freegle - Originally Freecycle in UK
    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
    Laundry Gloop and loads of other frugal cleaning related 'recipes'
    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 (free samples)
    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
    Veg Planner - free printable vegetable planting guide/calendar from the RHS
    Weezl74's 50p per person per day eating healthily thread
    Weezl74's frugal recipe testing thread - Phase 1
    Will Power & Billy Can - part 1, part 2, part 3
    The bits we need to include to make this work

    ====================================
    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 live debt free and save for wants. It runs from 1st January to 31st December 2010. The links will give you an idea of how previous challenges have gone.
    Last edited by Frugaldom; 31-03-2010 at 9:29 PM. Reason: Updating 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!
Page 1
    • Frugaldom
    • By Frugaldom 1st Jan 10, 8:15 AM
    • 6,136 Posts
    • 54,178 Thanks
    Frugaldom
    • #2
    • 1st Jan 10, 8:15 AM
    Challenger list
    • #2
    • 1st Jan 10, 8:15 AM
    FRUGAL LIVING CHALLENGE 2010
    1. *Jellie*
    2. 2ndtimerounder
    3. 98Sidney
    4. Aeb
    5. Afiendforlife
    6. AJP233
    7. Always
    8. Andan
    9. AndrinaPerry
    10. Andromache
    11. Annie123
    12. Ansoff
    13. Aril
    14. AZJH77
    15. Babyboysmommy
    16. Bails
    17. Bay_tree_cottage
    18. BigMummaF
    19. Blairweech
    20. Bored of being at home
    21. Boring beige
    22. Brighton Belle
    23. Budgeteer
    24. Buffythedebtslayer
    25. Bunnytoo
    26. Butterfly72
    27. Cake_21
    28. Candygirl
    29. Cardiffmatch
    30. Castafiore41
    31. Catznine
    32. Cha97Michelle
    33. Charlhrdy
    34. CharlieE
    35. Ches
    36. Chika
    37. Chinatea
    38. Craftdaft
    39. CranborneKat
    40. Cuddlymarm
    41. CW18
    42. DaisySteiner
    43. Danielley
    44. Debtfree Dreamer
    45. Debtmess
    46. Doom_and_gloom
    47. Dorastar
    48. Ddraiggoch
    49. Eco
    50. Edaniels1983
    51. Educateandsave
    52. Eggybread
    53. Elaine373
    54. Ellemm
    55. Enjoyfinancialchallenges
    56. Erme
    57. FayJMcK
    58. Findingmyfeet
    59. Fishcake_Random
    60. Flippin36
    61. Flying_Fresian
    62. FrankieM
    63. Frugaldom
    64. Gilligansyle
    65. Gizmomum
    66. Glad
    67. Glendam
    68. Glitter_sunflower
    69. Grandma247
    70. Grannynise
    71. Happymrsh
    72. Hardup Hester
    73. HC2703
    74. Heather2409
    75. Homegrown_Life
    76. Homemade
    77. Huston_kw
    78. Ifonlyitwaseasier
    79. Iheart2poundcoins
    80. ILoveTea
    81. In Spired2
    82. Intergalactic Floozie
    83. JackieO
    84. Jamiedodger
    85. Jane Manby
    86. Janiebaby
    87. Jat1
    88. Jay11
    89. Jayjay14
    90. JayneC
    91. Jfdi
    92. JTB2412
    93. Jules
    94. Julimk
    95. Justkeepswimming
    96. Kalojac
    97. Karmacat
    98. KarrieBee
    99. Katholicos
    100. KayHarcombe
    101. KazLA
    102. KCSunshine
    103. Keeley_P
    104. Kellylee
    105. Kerfuffle
    106. Kerry Woman
    107. Kez12
    108. Kezlou
    109. Kittiej
    110. Kittikins
    111. Kiwisaver
    112. Knithappens
    113. La Diva
    114. Lady1973
    115. Lady Tara
    116. Larmy16
    117. Lilac Pixie
    118. Lillibet_dripping
    119. Liloandstitch
    120. Lily_the_legend
    121. LindaDykes
    122. Lingojingo
    123. Linkypie2009
    124. Lismarlilmia
    125. Little_miss_moneysaver
    126. Liz33
    127. Lizzyshep
    128. Lottle_lou_pink
    129. Looby-loo
    130. Loopychriss
    131. Loopylou21
    132. Luxor4t
    133. Lyndasharp
    134. Lynzpower
    135. Mah_jong
    136. Mama67
    137. Mambury
    138. Mardatha
    139. Maz1964
    140. Meg72
    141. Merle
    142. Minjara
    143. Mollymop5
    144. Mommyof4
    145. Monaebrook
    146. Moneybag
    147. Moneyfritter
    148. Moneymission
    149. MoneyQueen
    150. Moo2moo
    151. Mooloo
    152. Mumoffour77
    153. Mumtoomany
    154. MushyPeas
    155. Nessa56
    156. NewLifeAhead
    157. Nikki20022008
    158. Nikkiev27
    159. NualaBuala
    160. OldMcdonald
    161. OptimisticPair
    162. Pagangirl
    163. Pammyj74
    164. Patentgirl
    165. Paulgonnabedebtfree
    166. Pencekeeper
    167. Pink_numbers
    168. Philsbird
    169. Phoenix_dragon
    170. Plumduff55
    171. Poorbutrich
    172. Poppycat1
    173. PrincessDawnie21
    174. Prudent
    175. Puddleglum
    176. Purple_angel
    177. Queen.Bess
    178. Rachel021967
    179. Rachelet
    180. RedTop
    181. Rictus
    182. Robbm
    183. Rozeepozee
    184. Sabs10
    185. Sallyknits
    186. Salnew
    187. Sammylds30
    188. Savingfortravel
    189. Savvy Student
    190. Shaz_mum_of_2
    191. Signs of recovery
    192. Silkbeast
    193. Skint_chick
    194. Skintbint
    195. Skint in Skirt
    196. Skint Jenny
    197. Skint Lynne
    198. Slm6002
    199. SLScarborough
    200. Slowlyfading
    201. Smlsave
    202. Snoppydog
    203. Sophiesmum
    204. Sparrer
    205. Spookycat
    206. Stay Calm Keep Knitting
    207. StitchingWitch
    208. Summertea
    209. SuzyWuzy
    210. Taka
    211. Tatu-rach
    212. Tesco Points Addict
    213. The_cat
    214. Thriftkitten
    215. Thriftylass
    216. Tiddles
    217. Top_Drawer
    218. Totaldespair
    219. Trex170104
    220. Trinny
    221. Trishamggirl
    222. Tryingtodobetter
    223. Twinkles08
    224. VickyA
    225. Viv0147
    226. Vivw
    227. Vixstar
    228. Warney27
    229. Watchthisspace
    230. Whitewing
    231. Winterfrost
    232. Wit40iwtwan
    233. Wornoutmumoftwo
    234. Xnataliex
    235. XSpender
    236. YoungAgedPensioner
    237. Ziggy2407
    This list will no longer be updated but please feel free to take part, lurk, post or just practice small steps at pursuing a frugal lifestyle. The current list is in alphabetical order, numbers will remain unchanged from now until this year's challenge ends.
    Last edited by Frugaldom; 27-02-2010 at 10:40 AM. Reason: List completed
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
    • knithappens
    • By knithappens 1st Jan 10, 8:24 AM
    • 1,785 Posts
    • 9,558 Thanks
    knithappens
    • #3
    • 1st Jan 10, 8:24 AM
    • #3
    • 1st Jan 10, 8:24 AM
    Here's to a great new year of frugal living
    • mama67
    • By mama67 1st Jan 10, 8:30 AM
    • 1,318 Posts
    • 16,230 Thanks
    mama67
    • #4
    • 1st Jan 10, 8:30 AM
    • #4
    • 1st Jan 10, 8:30 AM
    HAPPY NEW YEAR to all

    Thanks Nyk for sorting this out.
    2 adults, 2 boys ( sportsmad-big eaters) (21 & 18)
    My mother always served up leftovers we never knew what the original meal was. - Tracey Ulman
  • kittiej
    • #5
    • 1st Jan 10, 8:36 AM
    • #5
    • 1st Jan 10, 8:36 AM
    Happy New Year All.

    I've just subscribed to this thread so I know where to find it lol

    I've decided that my challenge will be to keep on top of spending for food, diesel, and gas/electric again.

    I won't be including anything else because they are things that I have no control over eg water, c tax, mortgage, debt payments etc.

    So my budget this year is 3000.

    To help myself I've made a fortnightly meal plan so I know exactly what I have to buy and then make.

    I have started to make a real effort to drive as carefully as possible to make the most of my diesel, and my car is empty in the boot to cut down on any extra weight.

    Lastly my central heating packed up before christmas so I have just been using the gas fire in the living room, and an electric blanket on my bed, a heater in DS1 ( but there's no rad in there anyway) and DS2 likes his hottie bottie and the amount of gas I would normally use has dropped loads. Tbh I have no inclination to get CH fixed, instead I want to save up for a new, more efficient, boiler cos I think this one's about 30 years old lol.
    Last edited by kittiej; 01-01-2010 at 8:55 AM.
    Sealed pot challenge member number 18
    Karma - the consequences of ones acts.
    "It's OK to falter otherwise how will you know what success feels like?"
    1 debt v 100 days 2000
  • signs of recovery
    • #6
    • 1st Jan 10, 8:57 AM
    • #6
    • 1st Jan 10, 8:57 AM
    Good Morining, and Happy New Year. Thank you NYKMEDIA for the challenge and the thread!
    I think I'm going to keep a desk diary this year so I can try to see everything in the one place. I've come to the conclusion that I need something in front of my nose to remind me I'm meant to be frugal!!! (Got a nice pink one out of the pound shop the other week) I'm also going to use excel spreadsheets for menu planning and keeping track of spending, so hopefully I will have the organisation stuff covered!!! Now on to the spending.....
    We have 6 people in the house at the moment as our eldest daughter is back from uni on placement until May. So we're four adults, two children and a hungry labrador for the time being.
    I'm still sorting out the budget though. Will post back soon.
    Last edited by signs of recovery; 01-01-2010 at 9:55 AM.
    NWCC 2800 2600 Marbles 498.18 Egg 1,022.28 o/d1800 1400
    Cap1 250
    student grant 20001900 C.tax 2312.91 301.64 live frugally,think sensibly, stop impulse buying,look at the bigger picture,relax,remember to budget,say no to the bairns. NSDs 6/10 GC 300/200
    FL 0/200
    • mooomin
    • By mooomin 1st Jan 10, 9:08 AM
    • 13,655 Posts
    • 134,514 Thanks
    mooomin
    • #7
    • 1st Jan 10, 9:08 AM
    • #7
    • 1st Jan 10, 9:08 AM
    Morning all!

    Hope everyone had a nice New Year. We had two of our friends round to visit and I made dinner for them instead of phoning for a takeaway - start as you mean to go on! Doing the washing up and tidying today should keep me warm enough not to put the heating on for a while either
    Comping again


    Wins this year: - two night trip to Belgium, 100 Gett taxi credit, tickets to Newcastle game, FIFA 2016 for PS4, stitch markers, Cumberstitching book
    • mommyof4
    • By mommyof4 1st Jan 10, 9:13 AM
    • 176 Posts
    • 2,271 Thanks
    mommyof4
    • #8
    • 1st Jan 10, 9:13 AM
    • #8
    • 1st Jan 10, 9:13 AM
    Please count me in mommyof4 not sure of budget as yet need to do a bit more tweaking. Also got big car expense soon (old Toyota 8 seater needing new gear box yikes!)
    (vegetarian & vegan family: me, DH, DS11 & DS 7, 3 dogs and 3 cats (not veggie )
    Sealed pot challenge No 020
    challenge 5: [part 2] 426.09!!
    challenge 6: 272.14
    challenge 7: (target 500)
    Dont forget the birds - feed them your scraps
  • ceridwen
    • #9
    • 1st Jan 10, 9:16 AM
    • #9
    • 1st Jan 10, 9:16 AM
    HAPPY NEW YEAR ALL

    Starting out on a firm foot here I am - just writing into my household Year Diary what expenses there will be this year. Got the estimated bills spend in there anyway and am now adding discretionary spending I intend to do and savings. Wishing I had done this last year - so I could see how much progress I made. Just know that this time last year I had debt (4 figure I think) and now I have a 4 figure amount of savings.

    Being somewhat of a pessimist/realist - I've even written down what money I would be due if the job vanishes and how much the DWP would deduct from benefit because I'd then have savings over 6,000:rolleyes:
    All that just in case - as well as my worked-out figures of what I need to live on on the one hand as a bare minimum - and the (somewhat lower) figure I would actually get if it came to it - so as to see what the shortfall between incomings/outgoings would be.

    Well - i thought I'd better be thorough and take all possible eventualities into account I'm not even going to try and be half as meticulous as cw18 - my mind goes blank at the thought of it....yikes...but I feel more in control being able to see clearly whats what.
    • rozeepozee
    • By rozeepozee 1st Jan 10, 9:25 AM
    • 1,969 Posts
    • 16,696 Thanks
    rozeepozee
    I do like your thoreau quote, Ceridwen.

    RP x
    • Fishcake_Random
    • By Fishcake_Random 1st Jan 10, 9:28 AM
    • 1,144 Posts
    • 6,166 Thanks
    Fishcake_Random
    Happy New Year to one and all!!!!!

    Baby has let me have my first lovely lie in for a long time so I'm starting this one bright eyed and bushy tailed.

    Todays plans;

    OH and friends having a kick about in the park, need to make some drinks so he doesnt buy them!!!

    Cook a lovely mac cheese and use up all our odds and ends of ham etc

    Check Freegle for some goodies

    Take down the decs while OH and my brother are around, and get them to do the celling decs for me, at 7months I'm not standing on a chair lol

    Finish at least half of OH's sock I'm knitting, I finished one last night and would like the pair done by tomo night. Promise to post a piccy.

    Good Luck all
    x x x x
    Happily married mother of 4 x x

    Wins so far - 4
    July wins - Cetafil goodies
    • slm6002
    • By slm6002 1st Jan 10, 9:31 AM
    • 1,807 Posts
    • 4,860 Thanks
    slm6002
    Happy New Year to you all. In an effort to start as i mean to go on, today i shall be listing all food in freezers and cupboards in preperation for meal planning and non food shopping. I will also be making 1 or 2 loaves banana bread depending how far the brown bananas will stretch! I will stick within my budget and have money left over to clear debts. Good luck to you all on this challenge and new way of life.
    Me,OH, DD 13, DS 11, DD 8
    DFW Nerd 1103 Debt Free 04/18
  • JayJay14
    Thanks Nyk for starting the thread, I just hope I am up to the challenge, but with the help of all the people on here I will at least be going in the right direction.

    Off out for the day but will try to resist the sales if I can
    • budgeteer
    • By budgeteer 1st Jan 10, 9:44 AM
    • 682 Posts
    • 4,308 Thanks
    budgeteer
    Please count me in : )

    BUDGETEER
    • Puddleglum
    • By Puddleglum 1st Jan 10, 9:49 AM
    • 666 Posts
    • 5,081 Thanks
    Puddleglum
    Happy New Year Everyone!

    We have just finished doing a stocktake for DH's business so buoyed up with success I will do a food in house stocktake after dinner.

    Hope the hangovers are all under control.
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    April 2019 - pick myself up, dust myself down and give myself a stern talking to.
    Grocery spend 5814/80
  • sophiesmum
    Good morning frunchkins
    Today will be spent baking to use up the last of my bargain bananas, making a loaf, using up yesterday's hot pot leftovers for dinner tonight, trying to sort and store some of my approved food order, working on my 2010 budget,menu planning the next week or so, and clearing at least one of the raised beds ready for adding fertiliser/compost.
    Coffee with the neighbour will be in there somewhere too got to find time for the little stuff
    Reduce,re-use, recycle.






    • slowlyfading
    • By slowlyfading 1st Jan 10, 9:59 AM
    • 13,024 Posts
    • 75,105 Thanks
    slowlyfading
    Morning! Happy new year and here's to 2010!
    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
    • candygirl
    • By candygirl 1st Jan 10, 10:15 AM
    • 27,363 Posts
    • 116,320 Thanks
    candygirl
    Happy New Year fellow frugalites
    "You can't stop the waves, but you can learn to surf"

    (Kabat-Zinn 2004)
    • in spired2
    • By in spired2 1st Jan 10, 10:18 AM
    • 148 Posts
    • 813 Thanks
    in spired2
    My budget is 6,766.20. 4 of us - youngest is 16 and still a dependent. other 2 are non-dependent sons - 1 not working (hope that changes soon) and one a student living on 30 a week adult learner grant. Hoping I will finish on less than that though. Biggest expenses for me are groceries and leccie/gas - will try hard to lower them.

    Aim to pay off credit card by the summer. Then maybe put by for an emergency fund, and then start regular saving.

    We have plenty of clothes and "stuff". It would be nice if we can get away without buying any more clothes and stuff this year (but son NEEDS a new coat, and will probably need a few tshirts and bottoms in the summer, and we'll both probably want new underwear, so have set a 100 (generous I think) budget for clothing)

    Will start a spending diary, and watch my energy consumption closely, to see that I stay on track week to week, month to month, and will try to get a little more money in from selling online and clicks etc. Fingers crossed too that I will get a job asap

    I'll report in each month as to how well I'm managing to stick to the budget.

    budget:
    gas/leccie .. 1212
    water ........ 500 (exact cost to be confirmed)
    groceries .... 2600
    tv licence ....142.50
    satellite ...... 222 (may cancel this)
    broadband .. 293.40 (will try to get a cheaper deal when contract ends this year)
    phone ........ 210
    son lunch ... 202.50
    clothes ...... 100
    fares .......... 358.80 (unlikely to be this much but only reflects 1 or 2 bus journeys each week - job interviews etc)
    xmas/bdays .. 400.00
    CC ............. 525
    total: 6766.20

    will adjust the figures if/when things like water, tv licence change price.
    mortgate deposit target: 20,000 by 2022 start: 7850 Mar 19
    quarterly progress:Jun, Sep, Dec
  • ceridwen
    I do like your thoreau quote, Ceridwen.

    RP x
    Originally posted by rozeepozee
    Thanks...well I'll write it down here - in case I change my signature later - as I'm prone to do:

    "If a man does not keep pace with his companions, perhaps it is because he hears a different drummer. Let him step to the music he hears, however measured or far away."

    I'm a bit non-conformist so that and the tale of the Ugly Duckling (who turned out to be a swan) resonates with me

    Thinking of my attitude to money - its probably the less common one as well. Guess theres two basic attitudes to money:
    1. how much have I got coming in and how can I make it cover everything it has to cover - and hopefully some for me as well
    or
    2. how much do I need to live on at whatever-standard-I-have-decided (ie a pretty "simple living" one in my case) and how does that match the income I am due for? From which - if its not enough (it often hasnt been) - then what am I going to do about it to get some more income.

    Both ways of thinking are valid - I just think the second way myself and have managed to find a variety of ways to get a bit extra. Thankfully I dont have to any more - yay!

    Just had a late Christmas present - bit more money - yay!
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