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  • FIRST POST
    • Frugaldom
    • By Frugaldom 14th Dec 17, 2:12 AM
    • 6,022Posts
    • 52,620Thanks
    Frugaldom
    2018 Frugal Living Challenge
    • #1
    • 14th Dec 17, 2:12 AM
    2018 Frugal Living Challenge 14th Dec 17 at 2:12 AM
    Join us here for year 11 of the Frugaldom challenge on MSE

    The Frugal Living Challenge 2018

    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 this post in full and if you have any questions, feel free to message me or ask in the forum.

    This is an adaptation of the original NYK/Frugaldom 'Living on £4,000 for a Year' challenge. It has been running here on MSE for several years, although these particular money challenges began back in the 90's, elsewhere. We have 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.

    If you would like to use a simple spreadsheet for calculating your annual expenditure, you are welcome to download a free copy of the original one HERE Simply overwrite the initial monthly amounts and the totals will auto-calculate. From then, it is a simple case of deducting (use the minus sign in front of the amounts) all your outgoings as the year progresses. It's worth while playing about with it to alter headings to suit your personal lifestyle. I've included a couple of extra columns for things like rent/mortgage & council tax and misc/debt payments.

    Some have already achieved debt freedom and now follow frugal lifestyles in order to stay debt free. Others are still tackling their debts and living a frugal life in an attempt to reach their debt-free and/or mortgage-free day. Whichever stage you are at, feel free to join us and share your journey.

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

    The 2017 Challenge

    The 2016 Challenge

    The 2015 Challenge

    The 2014 Challenge

    The 2013 Challenge

    The 2012 Challenge

    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

    How it all began - Saving to buy a house without a mortgage 2007 Challenge

    The original interest beater challenge

    The original £1000 in 100 days challenge

    The original free hobbies thread

    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, sustainable 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 cash back 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
    Recognise the differences between needs from wants

    Spend within your means
    Set a proper budget
    Quit expensive bad habits
    Houseshare
    Get a lodger
    Shop via cash-back sites and always price compare
    Buy reduced items in stores only if you need them
    Stockpile & bulk buy bargains that you use
    Batch cooking
    Make the most of charity shops
    Join freebie or waste awareness and recycling associations
    LETS trading - become active members of trading & exchange groups
    Bartering
    Grow your own herbs, fruit & veg
    Preserving & winemaking
    Breadmaking & home baking
    Card & gift making
    Order splitting/sharng for better discounts & reduced delivery costs
    Landsharing, allotments & frugal garden systems
    Online trading - auctions, stores, social media pages
    etc, etc, etc...

    Monitoring and revising the budget is part of a good frugal living plan. Gifts & cards could all to be homemade, livestock needs to pay its own keep, anything else needs to be cash neutral.

    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/afford wants. It runs from 1st January to 31st December. The links will give you an idea of how previous challenges have gone and these will be updated accordingly.

    If you haven’t already, join the forum to reply!

    GOOD LUCK IN 2018
    Last edited by Frugaldom; 29-12-2017 at 10:54 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 49
    • lindez
    • By lindez 12th Apr 18, 4:21 PM
    • 284 Posts
    • 1,046 Thanks
    lindez
    lindez, I use about a tablespoon, plus a little more to 'scrunge' onto a tough stain a few mins before running the load.
    Originally posted by stoozie1
    Thank you Stoozie1
    • mbmonty
    • By mbmonty 12th Apr 18, 4:24 PM
    • 138 Posts
    • 82 Thanks
    mbmonty
    OMG this thread has descended into washing tips
  • archived user
    OMG this thread has descended into washing tips
    Originally posted by mbmonty
    whats wrong with that?
    • mbmonty
    • By mbmonty 12th Apr 18, 4:44 PM
    • 138 Posts
    • 82 Thanks
    mbmonty
    I'm trying to decide whether it's time to turn the heating off yet? Has anyone made the big decision?
    Originally posted by FrankieM
    If you are really into this Frugal thing then you have missed the boat on the heating.

    The idea is to make having the heating on to be the exception rather than the norm.

    I have mine off all the time, I have only put it on when the snow was at it's worst and that is because all of the connected buildings were frozen solid.

    I worked out that if we get sun outside it warms the building and I get heat if I make sure curtains are open when sunny and close them when it gets below 5 degrees outside.

    For your other half I suggest a small blanket, I got mine from an airline (no I did not pinch it)

    I open the oven when finished cooking and that is all I have needed this winter except for the heavy snow days.

    If you really want to embrace this frugal thing you have to be prepared for lifestyle changes, for example I comply with the conditions for requirements to not have a TV licence.

    I also set my internet service annual budget to £65 (the lowest I found previously available on MSE) so when there is not an offer I do not have internet via an ISP, I use a free service.

    The most important phrase is "It is not forever"
    • mbmonty
    • By mbmonty 12th Apr 18, 4:53 PM
    • 138 Posts
    • 82 Thanks
    mbmonty
    Re shampoo, I use Boots coconut shampoo and conditioner. It was on a money saving program and was said to be as good as the premium brand person had been using. At 90p a bottle (less with discount for having contacts) it is definitely saving me fortune.
    Originally posted by datlex
    I do not have any allergies so I am able to use the cheapest of the cheap out there.

    My previous low was one at Aldi at 35p for shampoo and the same for conditioner, it came in Coconut, Berry and Tea Tree. They recently stopped stocking it except in Belfast. However, I found the same stuff at Lidl for 49p.
    • mbmonty
    • By mbmonty 12th Apr 18, 6:07 PM
    • 138 Posts
    • 82 Thanks
    mbmonty
    After a stupidly expensive march and lots of small trips to the supermarkets I have just spent a few hours making a spreadsheet and stocktaking the food in house... plus sorting seeds for our veg garden... so I now have a strict budget (in cash in envelopes labelled by week) and I pledge to try ALOT harder... want to be rid of cc debt by xmas... need a miracle!!! so its going in the safe and I am going to start overpayments for CC 1 & 2 and for the mortgage... I am inspired by some of the comments on here.

    Feeding a family of 4 (two pre-teen boys) and 2 big dogs... dropping from nearly £200 per week (an untenable amount subsidised by CC weekly ) and making ends meet on £80 per week instead (including fuel for daily school runs of 20 mile per day, toiletries, food, dog food, clothes, entertainment and all other costs!) Things are about to get a lot more frugal around here... I refuse to have debt until 2039 By my maths I will be 63 when I can finally afford luxuries... and that is depressingly sad...

    I have managed 4 NSD so for this April... amazing how little you can spend when you have non.

    Here's to change! Good luck everyone x
    Originally posted by Milly-Ann-Molly
    Forgive my ignorance but is an NSD a no smoking day?

    If so WELL DONE.

    How about deciding to stop or at least embrace vaping.

    My sister moved to vaping and told me that you really have to get a proper consult on what works for you. She is cutting that back and says she will stop completely this year.

    What I find so "wrong" about your post is that the money you are paying back did not exist before it was lent to you and the interest you will be paying is just banks obscene profit, 2039!!

    Talking about vaping, has anyone tried using recovered laptop battery cells (18650 for vaping?

    I see what they recommend but even if they do not work as well as some of the stronger high amp 18650's they are free and plentiful.
    • mbmonty
    • By mbmonty 12th Apr 18, 6:13 PM
    • 138 Posts
    • 82 Thanks
    mbmonty
    Probably been mentioned elsewhere but one of my favourite frugal fings is Freecycle.org, it has replaced any compulsion I had to get a bargain from eBay, plus you can always trade up.

    You would not believe what some people get rid of.

    At retail I reckon I have saved close to £10k.
    • cw18
    • By cw18 12th Apr 18, 6:16 PM
    • 7,967 Posts
    • 85,386 Thanks
    cw18
    Forgive my ignorance but is an NSD a no smoking day?
    Originally posted by mbmonty
    An NSD is a No Spend Day
    Cheryl
    Groceries : May £11.97 / £120 Apr £137.78 / £100 Mar £99.55 / £100.Feb £85.02 / £80.Jan £112.15 / £130. Annual £446.47 / £1200

    • cw18
    • By cw18 12th Apr 18, 6:36 PM
    • 7,967 Posts
    • 85,386 Thanks
    cw18
    If you are really into this Frugal thing then you have missed the boat on the heating.

    The idea is to make having the heating on to be the exception rather than the norm.
    Originally posted by mbmonty
    Not sure I totally agree with that - I've seen too many homes (of friends and family) develop damp patches and mould due to a combination of insufficient ventilation and insufficient heating

    For your other half I suggest a small blanket, I got mine from an airline (no I did not pinch it)
    I have a small-ish thin fleece style throw I put over my legs when I start to feel the chill. My fella isn't a fan - makes him boil

    for example I comply with the conditions for requirements to not have a TV licence.
    Me too, but I allocate the licence fee money towards DVD purchases (almost always second - or third or fourth - hand at the cheapest price possible, and I'll monitor prices for months watching for a good deal before ordering). By purchasing DVDs I have something to show for the spend, which I don't if I use the money to buy a TV licence. I've been licence free for just over 7 years now, and don't miss live TV one little bit I don't pay for a streaming service either, though I do have access to one my son is signed up to - just haven't used it in over 18 months. Considering taking up a 2 month deal with one currently showing a few films I'd like to see for an abolute pittance, but only because I can pay with points I earn for walking - and it's only 5 points for the 2 months out of approx 100 I earn every week

    I also set my internet service annual budget to £65 (the lowest I found previously available on MSE) so when there is not an offer I do not have internet via an ISP, I use a free service.
    That I couldn't do. My internet is my main entertainment (apart from my DVD watching), the main way I stay in touch with 2 of my 3 grown-up children and my brother, and how I get news on what my 4 grand-daughters and 2 nephews are up to. I do, however, shop around every time my deal comes to an end, and recently jumped ship when my ISP increased the cost mid-contract to a price I didn't like and could beat by a couple of ££s a month with an ISP I've used before without any major hassles. But my monthly cost is normally just the land-line rental with the deals being free broadband connection alongside it, so I guess I could argue I pay zero for my broadband



    I gave up drinking alcohol completely at the end of Nov 2008 (I didn't drink much even before then), and gave up smoking at the start of Oct 2012. My only 'vice' these days is the National Lottery (draws, never scratchcards), and that's the only gambling I've ever participated in on a regular basis (the others being raffles and tombolas at fund raising events on an ad-hoc basis). Whilst I can afford it without it pushing me into debt I shall continue playing, but it's up at the top of my list for out-goings to drop should I need to reduce them in order to manage to stay afloat.
    Cheryl
    Groceries : May £11.97 / £120 Apr £137.78 / £100 Mar £99.55 / £100.Feb £85.02 / £80.Jan £112.15 / £130. Annual £446.47 / £1200

    • spudsmum
    • By spudsmum 12th Apr 18, 11:56 PM
    • 312 Posts
    • 1,766 Thanks
    spudsmum
    !!!8220;
    If you are really into this Frugal thing then you have missed the boat on the heating.

    The idea is to make having the heating on to be the exception rather than the norm.
    Originally posted by mbmonty

    !!!8221;

    Like CW18 above not sure I fully agree with this either - living in a very old house like i do it's necessary to warm it through regularly to prevent major issues with damp.

    I've been having a long hard think about what this frugal thing means to me. We all have different standards and things that we are prepared to do to be frugal - for example TV and internet are non negotiable here though we try to get them as cheaply as we can but we have given up smoking, drinking and takeaways which to some people would be pretty unthinkable.

    Nor am I prepared to live in misery, I'm in this for the long haul - as a change of lifestyle and mindset rather than a quick fix so its really important to me that we still have fun and a good life. We none of us know what tomorrow brings so its important for me that I still make memories and an enjoyable life for me and my children - so we still have days out and holidays which I'm sure some people would probably feel is an unnecessary expense and against the frugal way but hey ho!

    The major difference now is we try to do everything in a frugal way and we save and make extra pennies where we can so we can make sure any spending is planned and budgetted for instead of whacking it on a credit card. Yes it may take me slightly longer to clear my debts but I feel its more sustainable long term

    I still seem to be managing to clear a good amount of debt and put money in my various savings pots - wasnt managing either before I started to embrace frugality - so not doing too badly - if things change then I may review but at the moment I'm happy.
    Last edited by spudsmum; 13-04-2018 at 12:45 AM.
    Total debts £21050! now £19061.52 . 1% challenge £1296.50/£15000 (8.65%) Total extra income made in 2018 £2376.58 frugal budget 2018 £4952/6000 Aiming for debt free at 40 - only 25 months to go!
    • FrankieM
    • By FrankieM 13th Apr 18, 6:50 AM
    • 2,074 Posts
    • 18,940 Thanks
    FrankieM
    Morning

    Like a few have already said...no heating is a no go here...bbrrr..I've sat in my house with my out doors clothes on. alternated between a 'meal' and beans on toast in the evenings, washed my clothes in a bath and lived in one room and turned all the other radiators off. I'm looking looking for frugality, not poverty But I guess we have our own idea of what that looks like for us.

    The temperature is supposed to hit 20 degrees this weekend (though you wouldn't know it from looking out of the window!) so I might turn the heating off then and see how it goes!

    It was a spend day yesterday, only 99p on a packet of crisps. A meeting that was supposed to finish at 4pm, went on til 6pm so I needed a bit of something before tea.
    Still had something from the freezer when I got home though and enough for lunch today.

    So, today I need to get my fuel and other bits. No money for wine in the budget though, so that's sad.
    I've got a tub of curry out of the freezer for tea and I'm currently umming and ahhing about whether to take a Sunday shift of extra work that's been offered to me. It's 12.5 hrs...but it's £100?? I'm not managing to do much online that might bring extra money in cause I'm so tired in the evenings, but I'm also thinking that I'll never get to that point if I'm working all the time and don't give myself time so it's a bit of a quandary..

    Anyway...hope you all have a good day
    Pay off Debt by Christmas 2018 #59
    £13,406.26/ £6993.17
    Frugal Living Challenge 2018
    • CosmicZebra
    • By CosmicZebra 13th Apr 18, 9:33 AM
    • 30 Posts
    • 328 Thanks
    CosmicZebra
    I've been frugal in the past by necessity- found myself in very difficult financial circumstances a few years ago. Thankfully in a much better position now, but I don't want to overconsume. I think frugality, for me, is about thoughtful spending. I'll always put a jumper and extra socks on first, but if I'm cold, the heating comes on. We can adjust the temp on each radiator, so I usually turn them off or down in rooms we're not using.
    Savings from frugal & simple living:
    Jan ISA& Save Acc £1600 Mort o/paid £250
    Feb ISA&save acc £1330.89 Mort o/paid£500
    March ISA&save ac£811.35 mort o/paid £250
    • Buffythedebtslayer
    • By Buffythedebtslayer 13th Apr 18, 11:12 AM
    • 15,280 Posts
    • 50,927 Thanks
    Buffythedebtslayer
    I think I just see being frugal as not wasting things, money, heat (!) food, if I am doing something like going on holiday I will do it the cheapest way possible and I wouldn't buy a brand new car on finance or buy designer clothes. I will still socialise and buy my normal make up and facial wash stuff - which is absurdly expensive but doesn't bring me out in a rash.

    I have had to borrow money for a new car and dental treatment and yes things like the summer house I want built are not essential but part of my goal of having a nice house to live in.

    I am freezing cold at the moment but have to walk the dogs, so that will warm me up

    Catch you all later XX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • frugalish
    • By frugalish 13th Apr 18, 1:33 PM
    • 22 Posts
    • 266 Thanks
    frugalish
    Thanks for the laundry gloop recipe Frugaldom, I'll give that a go. I've only got seasalt and something-or-other flavour soap at the moment, so I think I'll get some unscented before trying it!

    We have to keep our house heated in winter - we both have osteoarthritis which is badly affected by the cold and damp. I can tell if it's going to be a wet day by how my knees feel in the mornings!

    Frugal living means different things to different people, depending on your circumstances and personality - what's right for me might be horrendous for someone else. For example, I'd be happy without the TV but DH likes it, so we (now) have a free service apart from the licence fee. We're both in this for the long haul, so we have to make it manageable, and we want to enjoy the journey rather than feeling we're in penury. So that means sometimes we have fish and chips from the chip shop, sometimes we have ice cream from the supermarket, occasionally I have a coffee out. But these have become the exceptions rather than the rule, and we enjoy them all the more for it. We have a bottle of wine at the weekend, and enjoy it.

    We've replaced DH's favourite treat of flapjack from the canteen with home made flapjack, that's actually nicer! I've got some in the oven at the mo - I add chopped dates and peanut butter to give it extra flavour and some protein, as well as reducing the processed sugar a bit

    FrankieM I feel for you - it's a nightmare trying to work out how to balance work and other activities. I hope you find a way to make it work for you

    Have a lovely day all
    "What do we live for, if it is not to make life less difficult for each other?" - George Eliot

    Grocery Challenge April 18 £183.42 / £250 = £66.58
    Frugal Living Challenge 2018
    • FrankieM
    • By FrankieM 14th Apr 18, 8:51 AM
    • 2,074 Posts
    • 18,940 Thanks
    FrankieM
    Morning

    The work decision was taken out of my hands cause they didn't need me in the end so I'm going to enjoy a lovely weekend of pottering through my jobs, reading online, watching films and generally resting.

    I've done the washing and it's currently on racks drying (I do miss my tumble dryer). I'll be getting a couple of batch cooked tubs out of the freezer to cover meals and drinking coffee.

    It was a spend day yesterday. Fuel and salad so I have £22 in cash and £6 in the bank to last me til payday. I'm not imagining any problems.

    My DD has just booked in her head shots and I said I would pay for them. We had this conversation about 2 years mind you, when I was obviously feeling flush but a deal is a deal and I'm pleased that by getting these done it's a step forward for her. Now I just need to earn/save that extra money so it doesn't throw my budget off!
    Pay off Debt by Christmas 2018 #59
    £13,406.26/ £6993.17
    Frugal Living Challenge 2018
    • datlex
    • By datlex 14th Apr 18, 11:05 AM
    • 1,764 Posts
    • 1,665 Thanks
    datlex
    If you are really into this Frugal thing then you have missed the boat on the heating.
    I open the oven when finished cooking
    If you really want to embrace this frugal thing you have to be prepared for lifestyle changes
    The most important phrase is "It is not forever"
    Originally posted by mbmonty
    I think it is you that has missed the boat. This is not about depriving yourself. It is about living none wastefully, so lifestyle changes may be necessary. It IS FOREVER. It's supposed to be sustainable.
    I've been frugal in the past by necessity- found myself in very difficult financial circumstances a few years ago. Thankfully in a much better position now, but I don't want to overconsume. I think frugality, for me, is about thoughtful spending. I'll always put a jumper and extra socks on first, but if I'm cold, the heating comes on. We can adjust the temp on each radiator, so I usually turn them off or down in rooms we're not using.
    Originally posted by CosmicZebra
    I like this frugality= thoughtful spending
    Morning
    The work decision was taken out of my hands cause they didn't need me in the end so I'm going to enjoy a lovely weekend of pottering through my jobs, reading online, watching films and generally resting.
    I've done the washing and it's currently on racks drying (I do miss my tumble dryer). I'll be getting a couple of batch cooked tubs out of the freezer to cover meals and drinking coffee.

    It was a spend day yesterday. Fuel and salad so I have £22 in cash and £6 in the bank to last me til payday. I'm not imagining any problems.

    My DD has just booked in her head shots and I said I would pay for them. We had this conversation about 2 years mind you, when I was obviously feeling flush but a deal is a deal and I'm pleased that by getting these done it's a step forward for her. Now I just need to earn/save that extra money so it doesn't throw my budget off!
    Originally posted by FrankieM
    What are the head shots for? I have a tumble dryer here. I used to use a dri buddi, no room to dry lots of clothes on racks in a one bed flat. It took ages to properly dry things and you were limited by how many you could dry at once. My elec bill has actually gone down since I got the tumble dryer and when it is on I don't need my heating. I'd always been reluctant to get one as you hear stories as to how much they cost.
    • cw18
    • By cw18 14th Apr 18, 2:52 PM
    • 7,967 Posts
    • 85,386 Thanks
    cw18
    I think it is you that has missed the boat. This is not about depriving yourself. It is about living none wastefully, so lifestyle changes may be necessary. It IS FOREVER. It's supposed to be sustainable.
    Originally posted by datlex
    Well said - I 100 agree with that



    Re: Tumble Dryers. Mine got dragged out of my kitchen and into my hallway must be almost 2 years ago, to make way for an undercounter fridge when the fridge part of my built-in fridge/freezer died on me. (I had neither time nor money to do an immediate replacement of the built-in unit, so bought the cheapest fridge I could find.) Built in unit was replaced 13 months ago, but my dryer is still in the hall. As it's a vented one I can't use it without having my front door open (with the chain on), so I've only used it twice in all that time. There's very little I put through it these days (mainly since changing to microfibre towels which take a lot less room in the washer and dry in no time at all hung in my spare room), but I've no plans to get rid as there's always that 'emergency' and I do have space to keep it. Whether I shall replace it when it finally dies remains to be seen (only going now because I paid someone to give it a good clean and service a few years ago), but I think it's unlikely unless there are major changes in my life (eg. more people to wash for or a smaller property to dry things in).
    Cheryl
    Groceries : May £11.97 / £120 Apr £137.78 / £100 Mar £99.55 / £100.Feb £85.02 / £80.Jan £112.15 / £130. Annual £446.47 / £1200

    • mbmonty
    • By mbmonty 14th Apr 18, 9:05 PM
    • 138 Posts
    • 82 Thanks
    mbmonty
    On a Mission
    I get your points, but I think you have misunderstood.

    I am cutting everything I do not NEED because I am determined to get rid of my overdraft and live within my means. I have a load of consumer debt that is going to be written off this year and next year, so I want a clean slate.

    So for me "it is not forever" that I need to cut back as drastically as I am, having said that I enjoy the challenge and having found a way to eliminate Broadband and TV Licence it is unlikely I will take them back on.

    To be clear I DO have internet from two sources, I just do not pay for it. It was a bit technically complex to setup but now I am used to it.

    I also have TV, just no live TV, it means that the TV I watch has no ads, has movies and series that are very new, but again a bit technical. It has really improved my lifestyle to watch what I want to watch and my library is better than Netflix!

    I got rid of all my DVD's because of the space they took up, I was into that whole possession thing but now my library fits on an external disk less than half the size of a single DVD case.

    Reading this thread it is clear I have more to learn from you all.

    I am even going to try this gloop stuff for washing, I already have bicarb from pound shop, it cleans leather sofa really well. Simple type soap from Lidl is regularly on offer for about 70p for 4 bars, they have aloe version too.

    My only concern about it is whether it will block the inards of the washing machine if wash temp not hot enough.

    As for a drier, they are a No No, just use so much energy.

    I did a wash today, opened french windows so no damp and nearly dry, will go iron them in a sec.

    I do get that no heating in some properties will help damp, but if you eliminate it first it is not enough to get it going. I am also lucky that I am surrounded on two sides and above and below, so I get some of their heat. I do put the heating on from time to time, usually if temp goes below 16 inside, but I have boiler set very high so it heats really quickly so only needed for an hour or so. Currently with no heating it is around 20 to 21.

    Once I have the overdraft paid I will still be frugal, I always was to an extent, but I will be using the money I save for treats, right now they are very rare which is fine because I am on a mission.
    • cw18
    • By cw18 14th Apr 18, 10:24 PM
    • 7,967 Posts
    • 85,386 Thanks
    cw18
    Your internet and (especially) TV setups sound very suspect to me - to the point of being illegal.

    It sounds like you can get away without heating because your 'external' walls are heated by neighbouring properties. I don't have that luxury as I'm in a detached property - and my heating only cuts in if the internal temperature falls below 18, so your heat comfort is currently considerably higher than mine (and most of the others who replied are also in the 18 vicinity).
    Cheryl
    Groceries : May £11.97 / £120 Apr £137.78 / £100 Mar £99.55 / £100.Feb £85.02 / £80.Jan £112.15 / £130. Annual £446.47 / £1200

    • Moll
    • By Moll 14th Apr 18, 11:00 PM
    • 262 Posts
    • 2,056 Thanks
    Moll
    Hello Everyone .Moll here ,,,,,,,hope you haven't forgotten me I certainly haven't forgotten you all , and been wondering how how everyone is fairing , Weve been a family of illness since I last posted , We came down with the flu / cough thing that everyone seems to have had ,,,,,,but then when I recovered , I got it again ??? Put me in bed for 2 days !! im never ill !!! Anyway , the doc gave me antibiotics, and im on the mend , but wow does illness cost , I used up "Some " of my food supplies , but I just couldn't be bothered to cook with being ill , so everyone had to fend for themselves , and it was mostly take aways or cheap box meals from Heron or Aldi with not much nutrition , but at least we was fed , Extras , might as well do the confessional ............ Had to have my eyes tested , as my glasses need changing , and id promised myself a decent pair this time , instead of a cheap pair , although i got money off , so it wasn't too bad, just an extra expense i could have done without . but my eye sight is precious it needs TLC , Then DH informs me ive picked up a screw in my car tyre ,,,,,,,,,,,,Ive hardly been out !!! so thats the next thing on the agenda to be fixed , or ill need a new tyre,,,,,, I cant believe how much food ive binned , its heartbreaking , but if you don't fancy it , and no one else will cook ,,,,,,,,,then the bin it goes ,,,,,Grrrr . I haven't been able to list anything on the bidding sites for weeks , but im finally feeling better ( Couldn't have sat writing on here yesterday ) the sun has been shining today , and we took the dog for a beautiful walk along a canal path ( Couldn't have done that yesterday either ) so im definitely on the mend , and i got free leisure activity ,& fresh air . Poor old Dad is a worry as hes down with a hacking cough , we fetched him for dinner tonight ( seems like the first proper meal ive cooked in ages) i had a sack of potatoes , so i made double of everything so dinner is covered for tomorrow and no extra cooking , just had enough cheese sauce left for tonight , so that gave it a nice flavour , Ive attacked the under the sink cupboard in the bathroom , found a couple of soaps from gift packs lurking at the back , and chucked anything manky , Much better in there , and its been needing doing for ages, Im still plugging away at saving for the holiday hotel in July ( now got £538.65 of the £950 needed) now im feeling better i need to list some things to boost that amount . Im backtracking to read all the posts ive missed ,but wanted you to know im still here , and ive missed everyone xx Good luck in April .........
    Last edited by Moll; 14-04-2018 at 11:05 PM.
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