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  • FIRST POST
    • Frugaldom
    • By Frugaldom 14th Nov 11, 9:23 PM
    • 6,138Posts
    • 54,190Thanks
    Frugaldom
    2012 Frugal Living Challenge (Part 1)
    • #1
    • 14th Nov 11, 9:23 PM
    2012 Frugal Living Challenge (Part 1) 14th Nov 11 at 9:23 PM
    Frugaldom's Frugal Living Challenge

    It's that time of year again, the time when we all need to start thinking ahead into the new year and how we are going to tackle any debts, generate extra income and squirrel away some savings.

    Please take the time to read posts 1 and 2 in full and check out the HANDY LINKS section. This helps to avoid repeat posts clogging up this very fast-moving thread.

    With so many people in this challenge and this being only one version of it, it's very difficult to keep up with everyone, so don't be shy - to have your name added to the challenger list, or if there's something you'd like to ask, send Frugaldom a private message.

    NB: THIS IS AN ADAPTED VERSION OF THE ORIGINAL CHALLENGE, SPECIFICALLY FOR MSE FORUM USERS

    This is an adaptation of Frugaldom's 'Living on £4,000 for a Year' challenge. It has been running here on MSE for the past 4 years, but the actual challenge began several years previously, elsewhere. It has seen many changes over the years, so this version is a catalogue of diaries charting the progress of 'debt free wannabe' money savers.

    Your budget is personal to you, it should fit with your personal financial situation.

    Some have achieved their debt free status and now follow frugal lifestyles in order to stay debt free. Others are still pursuing that dream. Whichever stage you are at, feel free to join us for 2012 and share your journey as you give debts the heave-ho once and for all.

    The following links will take you to previous MSE versions of this challenge:

    The 2013 challenge is here

    The 2012 Challenge - this one.

    Part 1 - January to March 2011
    Part 2 - April to June 2011
    Part 3 - July to December 2011

    Introduction to the 2010 Challenge
    Part 1 - January to March 2010
    Part 2 - April to June 2010
    Part 3 - July to September 2010
    Part 4 - October to December 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

    This 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 and 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...

    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 - Some amazing bargains if you don't mind short dates or past sell by – save a fortune whilst saving it from landfill!
    Big Brands For Less - Bulk bread flour and other discouted foodstuffs
    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
    Complete (MSE) cooking collection - Loads and loads and loads of recipes
    Coupon thread on MSE - For coupons, money off and discounts
    Crafting for Christmas - homemade presents
    Eggs, eggs, eggs - Frugaldom's '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 crafts ideas - how to make papier mache banks etc
    Freecycle - don't bin it, rehome it
    Freegle - Originally Freecycle in UK
    Frugaldom - home of my original Frugal Living challenge
    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
    Homemade Rhubarb Champagne - quick, cheap and easy
    How to make a sealed pot - saving all your spare change in papier mache banks
    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
    My FREE spreadsheet - where to download from
    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
    ROSSPA - Cheap fruit & veg, fresh produce direct to your door.
    Rural Moneysaving Hunt - official MSE discussion
    Selling on eBid - decluttering and recycling for cash with no listing fees
    Slow Cooker Recipes - on MSE
    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 2012. The links will give you an idea of how previous challenges have gone and these will be updated accordingly.
    Last edited by Frugaldom; 18-12-2012 at 10:45 AM. 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 14th Nov 11, 9:24 PM
    • 6,138 Posts
    • 54,190 Thanks
    Frugaldom
    • #2
    • 14th Nov 11, 9:24 PM
    The 2012 Frugal Living Challenge List
    • #2
    • 14th Nov 11, 9:24 PM
    2012 CHALLENGER LIST

    With so many people in this challenge and this being only one version of it, it's very difficult to keep up with everyone, so don't be shy - to have your name added to the challenger list, or if there's something you'd like to ask, send Frugaldom a private message.

    Slowlyfading has kindly offered to help me run this challenge for 2012.

    The list is kept in alphabetical order for ease of use, so no challenger numbers are necessary.

    *Jellie*
    _Tru_
    1463Emma
    2wildthing2
    Agreenmess
    Ailz95
    Alisean221
    Aliwali
    Allie23
    Amber03
    AndrinaPerry
    Angelaf
    Anouchka
    Aril
    Arrowlili
    ASG
    Asiacat
    Avogirly
    Bagabogof
    Bikingbint
    Black Cat
    Blairweech
    Blossom123
    Bramble1
    Brien123
    Brizzledfw
    Buffster
    Buffythedebtslayer
    Cagneuk
    Carolyn12
    Catslovelycats
    Charnic
    CheapsKate
    Cheerfulness4
    Cherryjack
    Ches
    Chika
    Chipps
    Choc-addict
    ClaireT13
    ClootiesMum
    Cocoribbon
    Cooltrikerchick
    CoupsRus
    Cowboymum
    Cranny44
    Cuddlymarm
    CW18
    Davidjmclare
    Dazzler123
    Debbiedebt
    Debbiedeejay
    DeepIn
    Determined New MS
    Digbysmum
    DizzyBee
    DizzyLizzie
    Doom_and_Gloom
    Elly68
    Enjoyfinancialchallenges
    Erme
    Fairy
    Fairyclicks
    Findingmyfeet
    Flip1
    Flourgirl
    Flying_Fresian
    Freedom2011
    Frivolous
    Frizz2
    Frugaldom
    FrankieM
    Fruityslh
    Fssjt
    Georgiebrown0
    Get rich or try dying
    Giggly Bug
    Gilligansyle
    GinTotMelinda
    Glen
    Glendam
    GrainneOK
    Grandma247
    Greying Pilgrim
    Happy but skint
    Happy Crafter
    HelenPie
    Hiddenidentity
    Hollysmum22
    Icontinuetodream
    Igamogam
    JammyDodger
    JaneRyan
    JayneC
    Jcst104
    JIL
    Jo.Mo
    Jovie
    Judi
    Kalojac
    Karismatik
    Kerfuffle
    Kerri_dfw
    Kerry Woman
    KittieJ
    Knithappens
    Landregistry
    BL29
    Letsdothis
    Libretia
    Lingojingo
    Little Miss Kirsten
    Lolalemon
    LoopyLou21
    Magan
    Mama
    Mcjordi
    Midwinter
    Mishmogs
    Miele
    MissEmptyPiggy
    MoaningMyrtle
    Mojoworking
    Mommieof4
    Moneybear123
    Mookiepook
    Mooloo
    More4less
    Mrs Good Life
    Mrs_midd
    Mumtothree3
    Mumwithamission
    Munchin
    NannyGladys
    Natalie_86
    Natlie
    Natnat13
    Newlifeahead
    Nikadi
    NotSuchaSmugMarriedNow
    Oceandreamer
    Paidinchickens
    Patentgirl
    Pauper1
    Phoenix_Dragon
    Piggybank1980
    Pinkcrafter
    PinotGrigio41
    Poorbutrich
    Prepareathome
    Purpleorchid
    Purpleruby
    Quintwins
    Rachel021967
    Rae18
    Ram_Murdock
    Rictus123
    Risingfromtheashes
    RobinandMarian
    RubyTuesday
    Saavybunny2009
    Sam09
    Samarnersen
    Sammie2012
    Sandrascarlett
    Savingforarainyday
    SavingJo
    Selwood
    Septemberblues
    SeriouslyFrugal
    Shellgsxr
    Silaren
    Silvasava
    Silverfox13865
    Skint_chick
    Slowlyfading
    Squinky McFeet
    Stitching Witch
    Strandedinaber
    Summertea
    Sunflowa20
    Susiejq
    SusieWa
    Suze72
    SuziTiger
    Taka
    Taraod
    Teacher2b
    The_cat
    The frugal frog
    Thrawn frugal lassie
    Thriftkitten
    Thrifty85
    Tink1981
    TravelDolly
    Tumptyteapot
    Vintage43
    Wannabee_in_credit
    Wear280902
    Welshgranny
    Welsh Poppy
    Winchelsea
    Wit40iwtwan
    Wornoutmumoftwo
    Youngmummy
    Zafiro1984
    Last edited by Frugaldom; 20-03-2012 at 7:35 PM. Reason: Adding names to 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!
    • tumptyteapot
    • By tumptyteapot 15th Nov 11, 7:11 AM
    • 670 Posts
    • 7,038 Thanks
    tumptyteapot
    • #3
    • 15th Nov 11, 7:11 AM
    • #3
    • 15th Nov 11, 7:11 AM
    oh my, you organised people - add me please :-)
    Tumptyteapot


    • Frugaldom
    • By Frugaldom 15th Nov 11, 10:36 AM
    • 6,138 Posts
    • 54,190 Thanks
    Frugaldom
    • #4
    • 15th Nov 11, 10:36 AM
    • #4
    • 15th Nov 11, 10:36 AM
    Hi Tumpty, thanks for joining. I always found it easier to deal with who was doing what during the November/December period, it gives us all more time to plan ahead and wrap up any loose ends from the current year.

    I'm expecting to see 'slowlyfading' along shortly, as she has offered to keep tabs on the challenge on here for 2012.

    Good luck for your next challenge, any ideas what your wannabe debt-free goals will be? (Mine's to renovate the house without incurring any debt.)
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
    • tumptyteapot
    • By tumptyteapot 15th Nov 11, 11:01 AM
    • 670 Posts
    • 7,038 Thanks
    tumptyteapot
    • #5
    • 15th Nov 11, 11:01 AM
    • #5
    • 15th Nov 11, 11:01 AM
    My goal for next year is to get an accountant. I'm self employed and not claiming half the expenses I could. I've booked into talk to someone in early December and I'm hoping they can make life much easier for me.
    Tumptyteapot


    • slowlyfading
    • By slowlyfading 15th Nov 11, 12:05 PM
    • 13,025 Posts
    • 75,110 Thanks
    slowlyfading
    • #6
    • 15th Nov 11, 12:05 PM
    • #6
    • 15th Nov 11, 12:05 PM
    I'm here!
    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
    • slowlyfading
    • By slowlyfading 15th Nov 11, 12:06 PM
    • 13,025 Posts
    • 75,110 Thanks
    slowlyfading
    • #7
    • 15th Nov 11, 12:06 PM
    • #7
    • 15th Nov 11, 12:06 PM
    Post for other stuff so I can edit...
    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
    • Kerry Woman
    • By Kerry Woman 15th Nov 11, 12:11 PM
    • 2,750 Posts
    • 27,780 Thanks
    Kerry Woman
    • #8
    • 15th Nov 11, 12:11 PM
    • #8
    • 15th Nov 11, 12:11 PM
    I wish to join the 2012 challenge.
    Frugal Living Challenge 2019
    Mortgage free as of 1st August 2013
    NST May 2019: May merriment NSD 20/20
    • catslovelycats
    • By catslovelycats 15th Nov 11, 12:15 PM
    • 1,684 Posts
    • 11,207 Thanks
    catslovelycats
    • #9
    • 15th Nov 11, 12:15 PM
    • #9
    • 15th Nov 11, 12:15 PM
    Please include me in this for 2012.
    Frugal living isn't exactly my cup of tea because I like paying for my luxuries.
    However, I am a DFW and would like to be part of a group that might help me to focus on my spending in general, even if I am not as good with it as you lot sound!
    Anything that will help me save some money that can go towards my mortgage OPs will be a good thing...
    • Choc-addict
    • By Choc-addict 15th Nov 11, 12:29 PM
    • 1,894 Posts
    • 2,387 Thanks
    Choc-addict
    Please count me in! I too need to look at how I spend, ways of changing etc and what better way to join a thread like this and start planning. Thank you!
    • Frugaldom
    • By Frugaldom 15th Nov 11, 12:55 PM
    • 6,138 Posts
    • 54,190 Thanks
    Frugaldom
    Challenger list updates
    Hi SF, hope I didn't drag you from your sickbed this morning. I have added in the names that are beginning to appear, so welcome to Kerry Woman, Catslovelycats and Choc-addict.

    This is an introductory thread so that we're organised for 2012, so there's plenty of time to get in some practice. It's about affording to live life the way you want to, free from acursed debts. After debt has gone, it's our money, our life, so let's start living it as soon as we can.
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
  • 2wildthing2
    Please count me in this year, I have lurked alot but learned loads. 2012 is the year that I am going to stick at it.....
    NSD 12, SAVING ALL MY CHANGE FOR HOLIDAY SPENDS - SO FAR £23.96
    • prepareathome
    • By prepareathome 15th Nov 11, 5:59 PM
    • 1,822 Posts
    • 24,925 Thanks
    prepareathome
    Oh please add me, income going down but I have to save to go sons wedding in Australia in March 2012 so need to really get to grips with using money sensibly - as you can see from GC amount I am not sensible at all.
    Last edited by prepareathome; 15-11-2011 at 6:01 PM.
    C.R.A.P R.O.L.L.Z # 1 prepareathome - baker, premium prepper (hence member #1), topic keeper
    Sealed Pot Member1433:2011 £119.12/2012-? Save £12k in 2012 No 126
    Stopped Smoking Wed 25th Jan 2012
  • youngmummy
    can i join you all please, really need to tighten the strings around here, and the year will be a great start for it all. x
    (#80 save 12k in 2015) aim £10,000
    make £10 a day in 2015 £261/£4000
    emergency fund aim £100/£1000
    £1 a day for xmas 2015 £0/£365
    NSD feb 0/16
    feb GC £0/£120
  • the frugal frog
    Please add me I am expecting to be jobless before christmas, never claimed jsa before, and I hope I wont need to but I am starting to prepare now (and panic!!!) if I do get laid off then I will have no choice but to live frugally, but I have never really budgeted or needed to be too careful, I think I am going to get a shock!
    • Frugaldom
    • By Frugaldom 16th Nov 11, 10:43 AM
    • 6,138 Posts
    • 54,190 Thanks
    Frugaldom
    Welcome to Frugaldom
    Welcome to our newcomers. Try not to panic about budgets, it's simply a new way of thinking about your spending in order to clear and steer clear of any debts. Once you get into the swing of things, you'll most likely be kicking yourself for not having tried it sooner. Then it becomes fun, even on the most penniless days when all that's for dinner is homemade soup and the 4th meal made from that 500g of mince you've bilked out with veg, tomatoes and pulses. I call it 'Nile mince' because it stretches so far.
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
  • the frugal frog
    My preperation so far for a frugal 2012, hope its ok to post this here?

    sky has gone,£24 saving per month
    landline gone, saving around £60 a month
    internet gone saving £20 month (I have a dongle now, £10 a month, but I try and use library so I dont always top the dongle up if that makes sense?
    I have tried to reduce my food shoppping right down to £15 a week( was spending around £60, for just me, no more m and s, or popping in for ready meals, I am going to cook from scratch.....and eat less!!!

    my outgoings are
    rent c tax £130 a week
    elec 10
    tv £4
    mob and dongle allowance£10
    food 15
    I am allowing myself £10 treat money, tho anything I dont spend within the 7 days will be put in my savings pot and I start a new week with a new £10.
    I am lucky I always buy christmas gifts throughout the year so apart from wrap and little bts I have gifts sorted

    I dont have a car, but my oh bought me a bicycle and I use that for small shopping trips, then i shop by what bargains will fit in my rucsack!!! If I ever buy 4 loo rolls I will be done for ! gives me good excersise too, and saves my £5 delivery or taxi fee.

    I am only buying if things are reduced/on sale ect.

    I am lucky that my oh, while doesnt live with me or earn very much at all, he treats me to cinema (my bike) and little treats, and I know I am lucky for that.

    I have debts of around £400 so will try and get those gone before I lose my income
    have a good day everyone, I am off to do my virtual £15 food shop challenge x
    • Buffythedebtslayer
    • By Buffythedebtslayer 16th Nov 11, 5:49 PM
    • 15,635 Posts
    • 53,623 Thanks
    Buffythedebtslayer
    Wow, I joined this YEARS Ago but never managed to keep up! Amazing and impressive to look at some of the old threads!


    I am saving (Ha ha) for a house deposit.......not really happening. I should so join! but will have to think carefully!

    Good luck everyone!

    xx
    Sealed Pot 12 - 008, 365, 1p a day, 1%, 100 days, Saving to be out of debt!
    • mcjordi
    • By mcjordi 16th Nov 11, 5:57 PM
    • 4,146 Posts
    • 9,124 Thanks
    mcjordi
    oh can i join.. i need *to save *badly and pay off debts atm im stoney broke lol

    broandband and landline gone saving at least £20 a month... neighbour has unlimted with bt so kindly letting me use it in exchange for a few odd jobs like cutting her weeds down..etc.
    i really need to get back into the habit of not spending money on carp...

    *missed the to save out lol
    Last edited by mcjordi; 17-11-2011 at 9:12 AM.
    Sealed pot challenger # 10
    1v100 £15/300
    • Frugaldom
    • By Frugaldom 16th Nov 11, 8:53 PM
    • 6,138 Posts
    • 54,190 Thanks
    Frugaldom
    Welcome to the challenge, mcjordi, I'll get your name added and good luck preparing to take on 2012

    The frugal frog, you seem to be well on your way to getting things under control - very impressive list of savings so far! Well done with all of those, I hope the savings can help make some big changes for next year.
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
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