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    • Frugaldom
    • By Frugaldom 14th Dec 17, 2:12 AM
    • 6,052Posts
    • 52,968Thanks
    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 50
    • spudsmum
    • By spudsmum 15th Apr 18, 12:27 AM
    • 352 Posts
    • 1,880 Thanks
    spudsmum
    Moll! Sounds like you've really been through it - welcome back

    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).
    Originally posted by cw18
    Ditto - I'm in a semi detached and next door has been empty for years so no heat coming from anywhere else. Our is set to come on for an hour morning and night to take the chill off if its colder than 18. Other than that I click it on if its very cold - cant have it to come on automatic as husband always says its cold (rather than say, putting a jumper on) so he fiddles with the thermostat and it ends up being on nearly 24/7 I have two babies though so we do need it fairly warm and like I said - old houses + cold = damp! So we just cant risk it no matter how much money it would save us it would be total false economy. We've switched it off by accident for a few days when we've been away before and the walls were clammy when we came back

    Re: tumble driers - I'd dearly love to do without mine but with the twins theres no way I'd ever be able to keep on top of the washing. Cant even hang things outside as husband has severe pollen allergies and cant cope with line dried washing.

    On the frugal front - not doing too badly. I came in 75.88 under my weekly budget last week and 17.42 under on my food budget so very happy. Managed to make abother debt payment to my MBNA and my overdraft is looking healthy (well not but not as critical as it usually is by this time of the month!)

    received a huge box of nappies in return for a test and review
    also got a load of vouchers for nappies (said nappies were also on offer - 3.75 instead of 8 per pack so using the vouchers i got 4 packs for less than I'd normally pay for one - result!
    used wombled @sda voucher i found in my trolley against some compost - compost was also on offer so I got 210 litres for 6 - will keep me going until the council do their free compost giveaway
    used compost to plant up my rhubarb and some onions and garlic - had to put some netting on as birds stole the last lot!
    changed energy tariff using MSE cheap enery club - allegedly i should save 300 a year - hmm we'll see.
    also sold some more stuff online and cleaned up some more ready to list.


    Quite happy with that for a days work.

    On the not so frugal front

    husband says washing machine is sounding funny - we've had it nearly ten years so might be on its way out.
    lost 5 on the grand national - blooming donkey I backed came last I think

    Hey ho - cant have it all I suppose.
    Total debts 21050! now 18039.52 . 1% challenge 2058.25/15000 (13.72%) Total extra income made in 2018 2953.79 frugal budget 2018 7017/9000 Aiming for debt free at 40 - only 21 months to go!
    • Moll
    • By Moll 15th Apr 18, 12:59 AM
    • 275 Posts
    • 2,178 Thanks
    Moll
    used compost to plant up my rhubarb and some onions and garlic - had to put some netting on as birds stole the last lot!





    I didn't know about this Spudsmum, Can you tell me more please , Is it for anyone ? or allotments ?
    • FrankieM
    • By FrankieM 15th Apr 18, 9:32 AM
    • 2,124 Posts
    • 19,528 Thanks
    FrankieM
    Morning Everyone

    You all sound so productive! I pottered around with house work yesterday but by mid morning I could feel a sore throat and head ache coming on so it was more rest than potter by the afternoon.

    I've woken up this morning with the same but things need doing so I'm going to take it easy but try to get the jobs crossed off the list.

    I've not got money in my budget for any planting etc until next month and even then, looking at what I need to pay out, I won't have much but I'm determined to stay in budget and get some money put aside for it all. Having to be really careful for these last weeks of the month has been a good focus!
    Pay off Debt by Christmas 2018 #59
    13,406.26/ 3,500.00
    Frugal Living Challenge 2018
    • spudsmum
    • By spudsmum 15th Apr 18, 10:19 AM
    • 352 Posts
    • 1,880 Thanks
    spudsmum
    used compost to plant up my rhubarb and some onions and garlic - had to put some netting on as birds stole the last lot!





    I didn't know about this Spudsmum, Can you tell me more please , Is it for anyone ? or allotments ?
    Originally posted by Moll
    Did you mean the compost giveaway Moll?

    If so - my local council give away free compost to anyone who wants it every year - they make it from the garden waste they collect. They print a date and time in the local paper and on the website and you have to go and queue. You get 70l per person but then you can go round to the end of the queue and get more if there's any left - until its all gone.

    I dont know if other councils do similar?
    Total debts 21050! now 18039.52 . 1% challenge 2058.25/15000 (13.72%) Total extra income made in 2018 2953.79 frugal budget 2018 7017/9000 Aiming for debt free at 40 - only 21 months to go!
    • Frugaldom
    • By Frugaldom 15th Apr 18, 10:31 AM
    • 6,052 Posts
    • 52,968 Thanks
    Frugaldom
    Apologies for my absence, but I'm now back :)
    If you are really into this Frugal thing then you have missed the boat on the heating....
    The most important phrase is "It is not forever"
    Originally posted by mbmonty
    Sorry to see that you landed in here all guns blazing and completely overlooked the previous 10 full years' worth of posts. We most certainly have NOT "missed the boat". I think you'll find that with some further, patient reading, you may learn a fantastic amount about the lifestyle and how we have all achieved what has been achieved so far.

    This challenging lifestyle has been documented to cover absolutely all aspects of frugal living, along with the accompanying challenges for making extra savings, earning extra income, trading, swapping, making your own, bartering etc, etc, etc and generally living a happy life with a clear conscience, knowing that we (many of us) are pursuing an enire lifestyle and not just a temporary fix.

    I do hope you are able to make a fresh start as a fellow frugal LIFER, free from self-imposed debt and hopefully also free from incidental, accidental or circumstancial debt. On this front, you are more than welcome to join us at any time, sharing your own experiences but please remember that each year we set up this challenge thread, we are inviting, encouraging and embracing many newcomers to the concept of frugality - for some it is about necessary austeriy, for others it is about changing spending habits and for many more it is about lovng life without the need for waste - prioritising what they need rather than what they want.

    For us longterm, dyed in the wool frugalers, this is our lifestyle - forever. We aren't here to judge how others perceive money saving and thrift nor are we here to be judged - we simply love frugal living and all that it brings to the frugal table.

    Now, can I add your name to our list of merry moneysavers on the good ship Frugaldom? We'd love to welcome you on board.
    Last edited by Frugaldom; 15-04-2018 at 10:33 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 15th Apr 18, 10:50 AM
    • 6,052 Posts
    • 52,968 Thanks
    Frugaldom
    DESCENDING INTO LAUNDRY TIPS AGAIN

    With the laundry gloop, I dissolve mine in warm water to make the batch up to 5 litres, which fits nicely into a plastic lidded bucket. I then either use a laundry ball - the type you get free - or else a small ladle. By using the remains of water from kettle boiling (as I don't have constant running hot water at home) it can be dissolved in a jug and ready to use. It's usually a low temp economy wash setting we use but every so often, I run through a boil wash, which ensures any residual 'gloop' gets washed through the machine.

    MONEY-SAVING & SOCIALISING

    My biggest moneysaving tip here is to have a supportive network of friends, neighbours and/or family, including extended family. I find neighbours the most helpful and it gived you a real sense of community once everyone knows and understands each others predicaments. If you don't have the money to spend on going out, invite them in - chatting is free. A small chilly room soon warms up with several people in it and a cup of tea (or homemade refreshment, if you follow those tips) goes down well on a regular basis. As we each get to know one anothers lifestyles, some trading begins - I have hens & ducks, I swap them for other things and sell the surplus to neigbours. I'm known in the area as a recycler and one who uses up anything, past BBE date or otherwise so it is now a bit of a standing joke that nothing goes in the bin without it being offered here. I love this aspect of frugal living and plan on hosting many more get togethers over the summer months when heating isn't an issue.

    FrankieM, for me it was very difficult movig away from friends and family initially but I do tend to be a very 'chat to anyone' type person - as many of the challengers will testify, as we have had several meet-ups over the years. Now, some of us actually meet up for things like wildcamps and event weekends and I have made sme fabulous friends along the way. It still saddens me that we have also lost some wonderful people over these past years but each and every one of them is remembered fondly and are being commemorated in a special garden we are making.

    Frugal living isn't just for Christmas (or clearing debts), it's life itself - even if frugal just means prioritising your spending to a stage that you can afford to help a friend in need if/when that situation arises.
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
    • mbmonty
    • By mbmonty 15th Apr 18, 11:22 AM
    • 138 Posts
    • 82 Thanks
    mbmonty
    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).
    Originally posted by cw18
    My internet is not illegal at all, nor is my TV, just technically complicated, there are easier services, for example Netflix which could be justified on the savings of not having to pay TV Licence.

    I am lucky to benefit from just two outside walls in living room and one in bedroom and bathroom, however, upstairs has no heat or light and the building does become very cold below 5 degrees. I have previously lived in large detached houses and they were not freezing cold like the old thick walled cottages etc. I also lived in two flats with Storage Heaters, they are useless and I pity anyone on a budget who has to put up with those.

    In military I had months in -40 and so I have a real aversion to cold, but I also condition myself, for example yesterday was sunny, I nipped out to run two errands, then when I got back I took off jumper so I did not get too used to warm, then late in evening when I felt cold I put jumper back on and was fine. It was actually quite warm, temp indoors stayed at 21, rose to 21.5 after half an hour of ironing.

    When it is below 16 I have this great ski jumper I got years ago.

    I get the whole baby/family washing thing but my parents never had driers and they had 9 kids, nor did their parents AND they had towel nappies.

    I guess it depends on how often you change your clothes and how often you feel the need to wash them.

    If other half insists then have him pay for extra cost!
    • cw18
    • By cw18 15th Apr 18, 11:27 AM
    • 7,983 Posts
    • 85,466 Thanks
    cw18
    I also lived in two flats with Storage Heaters, they are useless and I pity anyone on a budget who has to put up with those.
    Originally posted by mbmonty
    I had storage heaters put into the bedrooms of my first house as I couldn't afford to install gas central heating - hated them with a passion, and in hindsight wished I'd coped without for a year or two whilst saving for the 'real deal'.

    It was actually quite warm, temp indoors stayed at 21
    Which would suffocate me, as I can't abide a temperature above 18

    rose to 21.5 after half an hour of ironing
    I save money on my electric bill by NOT ironing

    If other half insists then have him pay for extra cost!
    but that's pointless as it still comes our of the family income, and impacts on what can be used to cover other bills (or debt repayments).
    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

    • FrankieM
    • By FrankieM 15th Apr 18, 11:53 AM
    • 2,124 Posts
    • 19,528 Thanks
    FrankieM
    The first grass cut has now been completed!!

    I'm quite proud that I've cracked on and got it done. It would seem in some areas I can procrastinate to the point of laziness. :/

    Now that it's cut I can see what I'm dealing with and it's very uneven/lumpy ground. The grass has a lot of weeds in it and is generally patchy.
    I'm in a rented house so I'm happy to spend money on tools but don't want to spend too much on what I can't take with me...what do you frugallers suggest? How can I make it all a bit nicer?

    There's also some sort of paving path and some edging that has weeds/grass growing out of the joins, so I'll also need to deal with that. I'm thinking a spade, edger and hard work will sort it out, but not sure how to stop it from coming through again or can't I?

    All suggestions appreciated
    Pay off Debt by Christmas 2018 #59
    13,406.26/ 3,500.00
    Frugal Living Challenge 2018
    • FrankieM
    • By FrankieM 15th Apr 18, 12:11 PM
    • 2,124 Posts
    • 19,528 Thanks
    FrankieM
    Frugaldom I'm considering moving further away at some point. Probably in the same county but something perhaps more rural. The reason to move into a city (so the children could get themselves places) is no longer a concern for me as I only have the one child living with me now.
    My experience of community and socialising here is that it all happens at the pub and that's just not me....
    My other children are doing their own thing and living their own lives. I don't really see much of them so the thought that I should stay close to them is something that I'm realising I don't need to concern myself with. However difficult I might find it.

    At the moment though, my frugal journey is about paying my car loan off and so that's this year's plan. I have a 5 year plan on the go, but that takes me to 50 and that's when I start to cry! lol. So, I think a year at a time is the way to go.
    Pay off Debt by Christmas 2018 #59
    13,406.26/ 3,500.00
    Frugal Living Challenge 2018
    • spudsmum
    • By spudsmum 15th Apr 18, 6:58 PM
    • 352 Posts
    • 1,880 Thanks
    spudsmum

    I get the whole baby/family washing thing but my parents never had driers and they had 9 kids, nor did their parents AND they had towel nappies.

    I guess it depends on how often you change your clothes and how often you feel the need to wash them.

    If other half insists then have him pay for extra cost!
    Originally posted by mbmonty
    Well good for them but it was a completely different time. My mum didn't have a drier nor did my grandma but, like most women of the day, they were neither "allowed" nor needed to work full time like I do or and they didnt do a lot of the things I do in a day. The role of women was very different then so they could devote a lot more time to housework including a whole day to do washing if need be. I couldn't do that even if I wanted to (which I don't!) . It wasn't a "better" time then, the situation is completely different so comparison is pointless.

    We feel the need to wash our clothes when they are dirty! With twin babies, even doing bare minimum produces a huge amount of washing - I can't even begin to explain how much time and effort we devote to washing already and we're certainly not washing willy nilly. Withoaut a drier there is NO way we'd clear one load before the next came out - we'd literally drown in washing.

    And yes, my husband INSISTS because he has severe allergies - I once made the mistake of line drying our duvet cover and he suffered for a week. His eyes stream and his nose runs, he sneezes everywhere and it's really unpleasant for us all. Any saving would be eaten up in buying extra tissues, medication, time off work etc plus all money is family money so if I asked him to pay I'd be robbing myself.

    No I'm afraid tumble drier is another thing that's non negotiable here - I make sure I save my money in other areas - so I can afford such luxuries. I'm certainly not going to make my life miserable just to save a few pennies - that's not what frugality is to me.
    Last edited by spudsmum; 15-04-2018 at 10:09 PM.
    Total debts 21050! now 18039.52 . 1% challenge 2058.25/15000 (13.72%) Total extra income made in 2018 2953.79 frugal budget 2018 7017/9000 Aiming for debt free at 40 - only 21 months to go!
    • MoneysavingmadGem
    • By MoneysavingmadGem 15th Apr 18, 9:55 PM
    • 55 Posts
    • 256 Thanks
    MoneysavingmadGem
    What a month!!! Budget blown well out this month!

    Iv had 5 birthdays so far! 80th nan, 40th best friends hubby, my dads and sister in laws and best friends!!!

    I made each of them a cake as birthday gifts but they all wanted to go out for meals leaving me dipping into savings. However thats it now for birthdays till end of June!! Wohoo! Was stressful getting through and not having money for gifts but bears previous years of saying sodd it and going into over draft! (I never had a savings pot previously so even thats a big change!)

    Budgeting is going well though, but got cars mot end of may so going to have to touch savings to get work done I need to pass! But if I can do it myself I will ( already replaced headlamp and brake light bulbs myself) new set of headlights needed and starting motor but should be ok to do this myself.

    For me being frugal is about saving by doing things myself and living on minimum I can but not depriving myself.
    This is so I then enjoy little luxuries every now and then eg coffee and cake out once a month.

    But everyone are in different situations and therefore have different needs wants and limits of frugality
    Crazy clothes 2018 #7 - 24.23/ 120, handmade or cs
    Pay all debt off xmas 2018 #066.(909.95/ 10565.90)
    2018 frugal living #34 (2500)
    1% a day #36 (9000)
    • MoneysavingmadGem
    • By MoneysavingmadGem 15th Apr 18, 9:59 PM
    • 55 Posts
    • 256 Thanks
    MoneysavingmadGem
    Like to add I need a car as I work by travelling to different areas of the county and its a sleepy county with not great public transport.

    My car however is a little 1.4 cylinder engine 500miles to tank which is 40 to fill and only 30 a year tax so great frugal car. If I am doing things local I walk.
    Crazy clothes 2018 #7 - 24.23/ 120, handmade or cs
    Pay all debt off xmas 2018 #066.(909.95/ 10565.90)
    2018 frugal living #34 (2500)
    1% a day #36 (9000)
    • mbmonty
    • By mbmonty 16th Apr 18, 12:35 AM
    • 138 Posts
    • 82 Thanks
    mbmonty
    Well good for them but it was a completely different time. My mum didn't have a drier nor did my grandma but, like most women of the day, they were neither "allowed" nor needed to work full time like I do or and they didnt do a lot of the things I do in a day. The role of women was very different then so they could devote a lot more time to housework including a whole day to do washing if need be. I couldn't do that even if I wanted to (which I don't!) . It wasn't a "better" time then, the situation is completely different so comparison is pointless.

    We feel the need to wash our clothes when they are dirty! With twin babies, even doing bare minimum produces a huge amount of washing - I can't even begin to explain how much time and effort we devote to washing already and we're certainly not washing willy nilly. Withoaut a drier there is NO way we'd clear one load before the next came out - we'd literally drown in washing.

    And yes, my husband INSISTS because he has severe allergies - I once made the mistake of line drying our duvet cover and he suffered for a week. His eyes stream and his nose runs, he sneezes everywhere and it's really unpleasant for us all. Any saving would be eaten up in buying extra tissues, medication, time off work etc plus all money is family money so if I asked him to pay I'd be robbing myself.

    No I'm afraid tumble drier is another thing that's non negotiable here - I make sure I save my money in other areas - so I can afford such luxuries. I'm certainly not going to make my life miserable just to save a few pennies - that's not what frugality is to me.
    Originally posted by spudsmum
    Sorry, I did not want to belittle your situation, I know how hard kids are to juggle around a job and twins are double demanding.

    I do not know how my mum did it with so many and she worked in a punishing business, the night I was born she was working, she casually stopped, went to the upstair of the premises, called midwife and had me born there. No hospital even after and no maternity leave, as you say different times.

    The fact is you deserve whatever helps you keep your family going, I am sure there are things each of us would prioritise differently, it is a matter of choice and you make it up on other things.

    I can imagine some will have gas guzzling MPV's because they need the space while others will have the eco car.

    Cars are a budget destroyer, if you buy one new you lose over 20% instantly you drive it off the forecourt and cars these days are designed to last less time. At the other extreme you buy a car that has done 80k to 150k mileage and they can become a money pit.
    • FrankieM
    • By FrankieM 16th Apr 18, 6:43 AM
    • 2,124 Posts
    • 19,528 Thanks
    FrankieM
    Morning everyone

    I would have my tumble dryer back in a heart beat. I miss the warm, cuddly softness and your washing is all done straight away. I just love them! But I've moved from a house with a utility room to one without and so there is just no space. My freezer is in the shed so no space there either. But when I buy a house eventually, it's having a utility room! I personally didn't find the electricity bill that much more but then perhaps it was other things that made the bill expensive.

    And cars...well...not frugal there
    I have a 2014 VW Scirroco R Line. Not content with a new car, I got a top of the range sporty type. They saw me coming, but, I love it. It makes me happy and makes all the hours I do worth it. I've never wanted a lot of things but the things I have are the things I really like/want.

    So, there's my non frugal confession for this morning.

    Otherwise, it's a day at work. I've got leftover chilli for lunch and bolognaise from the freezer for tea. I'm hoping that when I was the bedlinen tonight I'll be able to dry it on the line and I'm getting very close to turning the heating off...I know..I know...lol

    In my defence, my front room is quite a cold room but I like to sit in there cause I feel like a grumpy teenager if I'm in my bedroom all the time. I've not got double glazing which doesn't help so I think this winter, if I'm still in this house, I'm going to look into thick curtains and the like to make it warm and cozy.
    Pay off Debt by Christmas 2018 #59
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    Frugal Living Challenge 2018
    • Frugaldom
    • By Frugaldom 16th Apr 18, 9:06 AM
    • 6,052 Posts
    • 52,968 Thanks
    Frugaldom
    Frugaldom I'm considering moving further away at some point. Probably in the same county but something perhaps more rural. The reason to move into a city (so the children could get themselves places) is no longer a concern for me as I only have the one child living with me now.
    My experience of community and socialising here is that it all happens at the pub and that's just not me....
    My other children are doing their own thing and living their own lives. I don't really see much of them so the thought that I should stay close to them is something that I'm realising I don't need to concern myself with. However difficult I might find it.

    At the moment though, my frugal journey is about paying my car loan off and so that's this year's plan. I have a 5 year plan on the go, but that takes me to 50 and that's when I start to cry! lol. So, I think a year at a time is the way to go.
    Originally posted by FrankieM
    As one of our longer standing members of this group you know I live in a very rural community and have never lived in a city. You probably also know that I passed the big 50 a few years ago, which sucks when your life ambition revolves around active, outdoor pursuits like planting woodlands but it's not so bad. It took several years of extreme frugality to become debt free then several more to save for a house but my little network of friends a d associates still grows by the week.

    Extreme frugal living is what allows me to save for the big stuff even although I earn less than minimum wage and choose not to claim anything from the Govt. I have never had a house with the option to set central heating at 21degrees. Most know we were lucky to make it to 14degrees! !!!128514; The newest project has night storage heaters, so no options, it being a tiny one bedroom end terrace cottage means not so much space to heat.!!!128522;
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
    • spudsmum
    • By spudsmum 16th Apr 18, 9:52 AM
    • 352 Posts
    • 1,880 Thanks
    spudsmum
    FrankieM I have to hold my hands up on the car front too. Mine is a huge gas guzzling MPV - needed for all the kids plus my beast of a double buggy. I bought it second hand and its 15 years old now so definitely on its last legs but living rurally and with the job I do I need a car.

    I'd dearly love a sporty little number - we were going to buy a nice little sporty car a couple of years ago but decided to put it off a while because we wanted to try for a baby and I was worried about fitting in to it while pregnant. As it was we ended up with twins so that was the end of that dream for a the next 18 years (not that I would change anything)

    I really envy you having a car you love - like you say, these luxuries make all the hard work worthwhile.
    Total debts 21050! now 18039.52 . 1% challenge 2058.25/15000 (13.72%) Total extra income made in 2018 2953.79 frugal budget 2018 7017/9000 Aiming for debt free at 40 - only 21 months to go!
    • frugalish
    • By frugalish 16th Apr 18, 3:44 PM
    • 22 Posts
    • 266 Thanks
    frugalish
    As one of our longer standing members of this group you know I live in a very rural community and have never lived in a city. You probably also know that I passed the big 50 a few years ago, which sucks when your life ambition revolves around active, outdoor pursuits like planting woodlands but it's not so bad. It took several years of extreme frugality to become debt free then several more to save for a house but my little network of friends a d associates still grows by the week.

    Extreme frugal living is what allows me to save for the big stuff even although I earn less than minimum wage and choose not to claim anything from the Govt. I have never had a house with the option to set central heating at 21degrees. Most know we were lucky to make it to 14degrees! !!!128514; The newest project has night storage heaters, so no options, it being a tiny one bedroom end terrace cottage means not so much space to heat.!!!128522;
    Originally posted by Frugaldom
    Frugaldom you are so inspiring! I'm 50 this year, and had kind of given up on the dream of owning my own home again (having lost one previously) and doing a job I love. But earning enough to pay a whopping great mortgage made me physically and mentally ill, so it's been a journey of self-discovery over the past ten or so years, with me finally being able to leave my previous career in 2016. I'm not earning enough (yet!!) but I'm happy! We rent our home, we have no savings and at the moment we're in debt, but we want to turn that around. This is such a lovely little community - I'm very glad I found you 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
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    • Moll
    • By Moll 16th Apr 18, 6:08 PM
    • 275 Posts
    • 2,178 Thanks
    Moll
    [QUOTE=spudsmum;74163953]Did you mean the compost giveaway Moll?

    yes I meant the free compost , thanks for the info , ill definitely keep an eye out for any in my area ,,,thankyou x
    • Moll
    • By Moll 16th Apr 18, 6:24 PM
    • 275 Posts
    • 2,178 Thanks
    Moll
    I agree that the key is to all help each other and waste nothing , My daughter ( And her friends) regularly have garden parties in the Summer ,,,,,,,,,,,,,,,i don't mean the posh kind , Everyone brings a bit of food or drink , and they all bring what tools they have and do whatever job needs doing ............Many hands make light work and all that , ... painting parties is another ,,,,they all bring whatever left over paint they've got ,and thier own brushes etc ,,,so no extra tools need buying ,,, and they do this for each other when anything big needs doing , Now of course I realise some arnt so lucky as to have a network of likeminded friends like that , but could you maybe trade a skill . babysitting for someone to do a job you need doing so you don't have to splash out for tools , Just a thought






    The first grass cut has now been completed!!

    I'm quite proud that I've cracked on and got it done. It would seem in some areas I can procrastinate to the point of laziness. :/

    Now that it's cut I can see what I'm dealing with and it's very uneven/lumpy ground. The grass has a lot of weeds in it and is generally patchy.
    I'm in a rented house so I'm happy to spend money on tools but don't want to spend too much on what I can't take with me...what do you frugallers suggest? How can I make it all a bit nicer?

    There's also some sort of paving path and some edging that has weeds/grass growing out of the joins, so I'll also need to deal with that. I'm thinking a spade, edger and hard work will sort it out, but not sure how to stop it from coming through again or can't I?

    All suggestions appreciated
    Originally posted by FrankieM
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