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  • FIRST POST
    • elsiepac
    • By elsiepac 28th Jul 18, 11:09 PM
    • 1,528Posts
    • 11,133Thanks
    elsiepac
    September 2018 Grocery Challenge
    • #1
    • 28th Jul 18, 11:09 PM
    September 2018 Grocery Challenge 28th Jul 18 at 11:09 PM
    Hi everyone,

    Welcome to the ninth Grocery Challenge of 2018 !!!!

    If your new month starts early feel free to join this thread, or if you're still working on your August budget, then keep on posting in the August Challenge.

    As always this challenge is to reduce your own grocery budget to levels that you will be pleased with, not forgetting that we always recommend that you stay inside your own comfort levels and take things gently one step at a time. Remember that this is not a competition....it's designed to take you and your grocery spending to a level you are happy with.

    If you are new to the challenge I have quoted the advice from Galtizz below which will help you get started.

    Please post into this thread for help and advice and support at any time. Good luck to everyone taking part!


    I have said this before, but for all the newbies to the challenge;

    For the first month I took a guess at the budget but I really had no idea how much I was spending.

    I found the best thing is to have a guess the first month but SAVE ALL OF YOUR RECEIPTS (and yes, that does include the ones from the local shop when you run out of milk), then at the end of the month add them all up and have a look if you were on budget, if not, it doesn't matter because your budget was a guess. For the next month you can use the total of your receipts and take a bit off to get a realistic budget, just shave off as much as you think you can, it could be £1 a week or £20 a week.

    If you are currently spending £200 a month don't suddenly drop it to £100 - you'll never do it but if you cut £20 a month off for a few months you'll get there eventually without feeling you're missing out on anything.

    You might think you've done everything you can in the first month but someone always comes up with a new idea and, if you try it you often find you save a bit more (unless you are SarahSaver who is an expert at this and could only save more if she turned her back garden into a paddy field and lived on rice ) In the first month I thought, I'm planning meals, I couldn't possibly save any more, but then I started double cooking and freezing, and making soup instead of buying it in tins.

    I've been doing this since Feb but only saved ALL of my receipts last month, it has given me a much better idea of where it is all going. Budget for next month is £80 for 2 of us, I'll start on 30/4. I could probably save more, by eating different foods but I can afford to live on £80, I have saved a lot of money since Feb. and I don't waste food or money any more. So I'm happy with my budget.
    By request, here is Spiggles wonderful helpful post


    We all have different budgets that suit our households. The most important thing to remember is that you set yours according to your needs and finances. It can take time to get to where you want to be too so don't knock yourself out if you go over in the first few months. We are here to support each other and it is not a competition.

    I thought it might help to outline where we've come from and the top tips I've learned.

    When we started in March 2010 we had spent in excess of £600 in the previous month. This had to stop, (there's only me and him and our two beautiful black cats) something which thankfully my OH completely agreed with so I have been lucky that he has been on board from the start. He gave me his debit card voluntarily and I still keep hold of it until he needs to get something for the home. At the same time we set up a system of pocket money (pm) at £15 each per week which doesn't count towards the GC and which we can each spend as we wish with no comebacks or complaints. OH predominantly uses his pm on his beer and I ferret mine away mostly.

    The next step was to set up my own spreadsheet which is absolutely simple onto which I put all spends so that I have a continuous running total for the month and for the year. We initially set our budget at £280 per month and brought it down to £240 where it resides for most of the year it is occasionally increased to allow for extras e.g. Christmas to £260.

    The important 'tools' we found greatly helped and continue to do so now are:

    Stocktake cupboards, fridge, freezer - make lists and ensure that the older products get used up first. You'll be amazed at what you find squirrelled away and it will help with your shopping list as you'll realise that you don't actually need so much.

    Before you go shopping check staples - running out of milk, bread, butter, etc often leads to going into a shop for one thing and coming out £20 lighter. Always check these and if they'll run out tomorrow buy them the same time as getting other things.

    Always make a shopping list and stick to it - the supermarkets (sm) try every which way to get us to spend so having a list and strong resolve is the only way to beat them.

    Keep every receipt - and then note it down on your spreadsheet/spend diary so that you always know where you are.

    When tempted, ask yourself do you NEED it or just WANT it - now this advice goes with two things. Firstly, the things you see in store when shopping that APPEAR to be bargains - if you hadn't planned spending the money then its not a bargain. Secondly, the sm send us loads of vouchers for £X off a spend of £XX - if you had no NEED to spend £XX then have you SAVED anything???

    Use my supermarket to compare prices (limited to four of the biggies) - The site may be used to actually do an online shop at whichever of the big four offers the best value or, if you have the time and sm availability, to make up lists for visiting each of the stores so that you can purchase all you need at different stores thus getting the best possible value. (I'd add, do a 'shop' virtually on this site and take the list you create on it with you, whichever one you shop at, it will help keep target prices in your head and allow you to spot bargains. Mr M is not included but you can do a virtual list on their website so you know what you're going to be spending.)

    Always have a list - this is just as important when shopping online as shopping on foot.

    Use Approved Foods online (with a list!) - if you don't mind out of date things (ood) or you can search for only in date items. The only drawback is storing the goods as far as I can tell. Oh, and watch the delivery as it's done on a scaled charge for weight so keep an eye on it. You can of course do an AF order with friends, family, colleagues or like minded neighbours. Other GCers use Big Br*nds 4 Less too.

    Invest in a bread maker - we have saved so much by making our own bread. The prices in the shops are extortionate for bread these days. There's loads of advice on this thread and others in the forum on this.

    Use the recipe lists - always posted at the front of a new thread. There are fantastic, tasty, healthy and economical recipes to use on them and there are a number of other threads on the forum such as Weezl's that will help you to eat well on a budget.

    Shop locally - the local greengrocer (or preferably market but I don't have one ) is usually cheaper as an option for fruit and veg (f&v) than the sm. Often the prices may look the same but when you look at the quantity for the same price the greengrocer will be cheaper. The same goes for the local butcher. Often you will have far more variety of meat available, advice on how to cook a particular meat can be offered and there is (for me at least) no comparison in terms of quality. We buy our huge FR eggs there and I'm yet to find an equivalent FR egg in a sm at the same or lower price. Obviously if you have your own chicks/know someone who has chicks you can get them even cheaper again.

    Grow your own - it's quite simple to grow some f&v at home even if it's only in pots on the patio. There are also supportive threads on the forum for this.

    Cook your own - making meals at home from ingredients is far more economical, often tastes better than shop bought and is probably far better health wise.

    Meal Plan - this is something that others can advise on as we don't do it. I have a tremendous capacity for eating the same food over many days but presented in slightly different form. For example, we could buy £7 worth of brisket from the butchers and eat it as pot roast for a couple of days, sliced for sarnies, sliced with a salad, chucked into a casserole or shredded up and fried as crispy beef.

    Don't waste food - either only make what you need or use any leftovers for other meals/creations or freeze it for another day.

    Withdraw the cash you want to spend - and keep it in a separate purse. This can be particularly effective as you have the money in front of you reducing rather than spending with plastic which is so easy to lose track of. Very useful when you first start out.

    Don't go to the shops to browse - this can only lead to pain and hardship!!!

    Keep posting and reading the thread - there really is no better supportive, wise and inspirational place to be! I think I saw that somebody mentioned forgetting to read/post. I get around this by using the Advanced button to post, below the window where your text is displayed you will see Additional Options. In the Thread Subscription box use the dropdown to select either instant email notification (this is what I use) or daily email notification before you submit your latest post. Then you will get an email into your inbox from which you can click to the thread to see what others are saying.

    Always remember the sm is not your friend - it wants to profit from you and take as much of your money as it can coerce out of you!

    So, there you go as a starting point. Others on here will offer tremendous advice on meal planning. And don't forget, the only silly question is the one you didn't ask!

    See you all later,
    Spigs
    For guidelines on posting in this thread please read the second post in this thread.

    For the Grocery challenge Recipe Index please see posts #4 to #10 this thread (the list is growing!!!!!)

    For everyone's totals, see post #3 on this thread

    I hope everyone has a great month!

    elsiepac
    Last edited by elsiepac; 19-08-2018 at 10:05 AM.
    I'm a Board Guide on the Old Style, Greenfingered, Energy & Going Out Deals boards which means I'm a volunteer to help the boards run smoothly and I can move and merge threads there. Please remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this) Any views are mine and not the official line of MoneySavingExpert.
    GC: Nov 18 £0/£tbc
    Vegan 27-8-13
Page 11
    • pamsdish
    • By pamsdish 13th Sep 18, 8:35 AM
    • 1,050 Posts
    • 6,418 Thanks
    pamsdish
    PipneyJane, It was only when I was dishing up dinner that I realised the broccoli was riddled with caterpillars, now dead and bleached from their boiling but there was no way on earth I was going to serve up the broccoli. Yuck!
    Thriftwizard I liberated a tub of venison stroganoff from the freezer to take to Mum's for lunch tomorrow, along with some allotment veg,



    I bought some diced venison yesterday in our new Iceland superstore, don`t normally go into the shop in town, but I liked the feel of this one. Like the sound of a stroganoff.
    Last edited by pamsdish; 13-09-2018 at 8:37 AM.
    JAN£200=£107FEB£200=£40MARCH£175=£50
    APRIL£200=£35 May£200=£61 JUNE£200=£6
    JULY £200=£11 AUG£180=£57SEPT£180=£57Lost OCT, under budget
    NOV£150-£13=£137-£34=£103,-£48= £55-£30=£25
    • MandM90
    • By MandM90 13th Sep 18, 10:54 AM
    • 1,485 Posts
    • 7,880 Thanks
    MandM90
    Hello all!

    This month's grocery bill is very much helped by:

    1) Heaving stock cupboards
    2) DH working away Mon-Fri with a company credit card for food
    3) A few weddings/meals out not included in budget.

    So far I've spent £120.73. As I went last night I don't expect to shop now until next Saturday. As we have so much in the freezer and cupboard I'm hoping to do just a £10 fruit/veg/salad top up at Lidl and come under budget at £130 for the month!!
    I'm a Board Guide on the Marriages & Family,
    Old Style, Mortgage Free Wannabe, Green & Ethical
    boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com
    • pamsdish
    • By pamsdish 13th Sep 18, 1:15 PM
    • 1,050 Posts
    • 6,418 Thanks
    pamsdish
    £31.59 spent between Tesco and Aldi, stocked up on some super 6 items, I always think better quality at beginning of offer, Tesco needed my 85% choc searched shelf and found 13 bars pushed to the back, 2 tins of Christmas choccy, and some y.s. lunch tongue.
    Looking like a bad month catching up on the £57 not spent last month
    JAN£200=£107FEB£200=£40MARCH£175=£50
    APRIL£200=£35 May£200=£61 JUNE£200=£6
    JULY £200=£11 AUG£180=£57SEPT£180=£57Lost OCT, under budget
    NOV£150-£13=£137-£34=£103,-£48= £55-£30=£25
    • fairy3
    • By fairy3 13th Sep 18, 4:42 PM
    • 466 Posts
    • 4,474 Thanks
    fairy3
    Afternoon all - declarations since last post - £19.37 on food including quite a few YS meat and fish - £3.20 spent at the butchers on x2 sausage rolls and a savoury duck. Lady in front of me spent £108.66!! Hers included just about everything - bit of butcher envy going on but will get over it.
    Spent £7.22 on non food at HB - prices so much lower than the SM's.
    DS1 orf house sitting for a week so down to two of us which should help the budget.
    Out of the freezer came meatballs for tea - reduced to 28p from £2.55, used up peppers, tomatoes and peas in the sauce and will be enough for his packed lunch tomorrow.
    September Grocery Challenge - £57.87/£150
    • Save Dosh
    • By Save Dosh 13th Sep 18, 7:01 PM
    • 1,275 Posts
    • 15,204 Thanks
    Save Dosh
    First shop since my last post. Got 2kg onions, 2kg carrots, 7 large leeks, 7 swedes, large bowl cherry tomatoes, 1 large lettuce, 3 large avocado and portobello mushrooms. Did say I was only going to spend £5pw on veggies, as I'm living out of stores, it came to £6.58, but lots of ys, so pleased with that and should last longer than a week. Made a huge bowl of veggie stew, 5 portions to freeze and made some chickpea tofu, really easy, just chickpea flour n water. Am now on £14.80. No money spent on alcohol (yet). Have updated sig.
    Last edited by Save Dosh; 13-09-2018 at 7:09 PM.
    November Grocery Challenge/Food £54.93/80, Alcohol £6.25/£20
    Bulk Fund - Food £38.63/Alcohol £20
    Save 12k in 2018 #80 = £4,000/£5,000
    • JingsMyBucket
    • By JingsMyBucket 14th Sep 18, 12:01 AM
    • 308 Posts
    • 3,277 Thanks
    JingsMyBucket
    I harvested it, gave it a perfunctory wash and each stalk got a good trim. It was only when I was dishing up dinner that I realised the broccoli was riddled with caterpillars, now dead and bleached from their boiling but there was no way on earth I was going to serve up the broccoli. Yuck!
    Originally posted by PipneyJane
    This is literally the stuff of my nightmares. I am SO squeamish about insects. BLEAH!!

    Today was another NSD and there's still tons of food in the fridge. I'm a bit bored of it though, so I should try to preserve some of it in the freezer. Ex: all the chopped onion from last week. I still haven't made frittata yet. I think I may finally do it tomorrow evening. This weekend I'll get some more berries since we're down to just a few strawberries I'll probably eat tomorrow morning for breakfast.

    TOTALS SO FAR:
    €349.46/€500.00
    4/12 NSD
    NOV 18 GC: €122.58/€300.00 // 4/12 NSD
    OCT 18 GC: €293.20/€300.00 // 13/12 NSD
    • Josie2003
    • By Josie2003 14th Sep 18, 10:09 AM
    • 8 Posts
    • 70 Thanks
    Josie2003
    I need to have a good look through the freezer before I go shopping this weekend. I need to stock up on cereal and buy dishwasher tablets but I'm determined to keep it under £75. Need some wholewheat pasta too but that's cheap enough.
    • caronc
    • By caronc 14th Sep 18, 11:53 AM
    • 4,638 Posts
    • 28,069 Thanks
    caronc
    Whopper of a shop today of £91 as I have family staying until Tuesday and I'm catering for 8 on Sunday. It did include a side of salmon which was on SO which will get vac packed and frozen as well as some beers so not too bad I suppose. Total so far is £132/£160.

    • chocolatelover93
    • By chocolatelover93 14th Sep 18, 12:06 PM
    • 758 Posts
    • 4,078 Thanks
    chocolatelover93
    Hello,

    So I have had a good look at my bank accounts this morning and Have counted all my spending on food inc. top up shops and I did a big shop in Farmfoods a few days ago. I have already spent £202.52!!!! I added up my eating out and take outs etc. and I have spent £101.17!! Totaling £303.69.

    I feel like I have failed already. After looking through that I have decided I need to be a lot stricter on myself and am going to draw money out cash each week for my food. No wonder I have a big CC debt and I am always in my OD.
    I have made a meal plan and I am going to stick to that meal plan 100%

    C xx
    Debts:
    £520/£3326.55 Credit Card 0%
    £47.44/£260.92 Sofa 0%
    OCT NSD 3/15
    • thriftwizard
    • By thriftwizard 14th Sep 18, 1:32 PM
    • 2,815 Posts
    • 35,124 Thanks
    thriftwizard
    £45 spent today on fish, bread, cheese, fruit & veg. I'd expect to spend another £20 at the butcher's stall tomorrow. Still on track, but not a lot of leeway in case of emergencies...
    Angie

    GC Nov 18 - £166.59/£400
    Bulk-buy purse '18 £204.36/£250, pet & livestock food '18 £358.63/£300

    Money's just a substitute for time & talent...
    • Doom_and_Gloom
    • By Doom_and_Gloom 14th Sep 18, 4:32 PM
    • 3,679 Posts
    • 12,083 Thanks
    Doom_and_Gloom
    Since last post we have spent £8.14.

    OH is out tonight so I have a vegetable Korma to microwave for dinner. May have that with a sweet potato jacket or rice cakes.

    £135.08/£195.
    £59.92 left.
    29 year old vegan woman. My OH is a lovely omni guy
    • JingsMyBucket
    • By JingsMyBucket 14th Sep 18, 4:52 PM
    • 308 Posts
    • 3,277 Thanks
    JingsMyBucket
    Hello,

    So I have had a good look at my bank accounts this morning and Have counted all my spending on food inc. top up shops and I did a big shop in Farmfoods a few days ago. I have already spent £202.52!!!! I added up my eating out and take outs etc. and I have spent £101.17!! Totaling £303.69.

    I feel like I have failed already. After looking through that I have decided I need to be a lot stricter on myself and am going to draw money out cash each week for my food. No wonder I have a big CC debt and I am always in my OD.
    I have made a meal plan and I am going to stick to that meal plan 100%

    C xx
    Originally posted by chocolatelover93
    Try not to be too hard on yourself. The good thing is that you've finally started looking. I think one of the keys that helps a lot of people is to check your balances and transactions daily. There seems to be an automatic and subconscious process of adding things up in your mind when you check your transactions each day. "Hrm, I spent 25 yesterday on XYZ...and 40 the day before that... Is this normal?"

    Good luck and keep going.
    NOV 18 GC: €122.58/€300.00 // 4/12 NSD
    OCT 18 GC: €293.20/€300.00 // 13/12 NSD
    • YorksLass
    • By YorksLass 14th Sep 18, 5:43 PM
    • 454 Posts
    • 7,531 Thanks
    YorksLass
    The main shop if you like isn't the problem. It's the popping in for something that you don't actually need and several more (and more) things get added to the basket/trolley through out the week/month that's the trouble.
    Originally posted by Josie2003
    You're so right on this one! I try not to have top-up shops but if I do need one I've got round it by taking just the amount of cash for the "needs" with just a little extra in case of ys bargains.

    I harvested it, gave it a perfunctory wash and each stalk got a good trim. It was only when I was dishing up dinner that I realised the broccoli was riddled with caterpillars, now dead and bleached from their boiling but there was no way on earth I was going to serve up the broccoli.Yuck!
    Originally posted by PipneyJane
    I once had a cauliflower in this state that went straight in the bin (it didn't even get cooked). On another occasion I found the biggest earthworm ever (well, I thought it was ) in a lettuce.

    I feel like I have failed already. After looking through that I have decided I need to be a lot stricter on myself and am going to draw money out cash each week for my food. No wonder I have a big CC debt and I am always in my OD. I have made a meal plan and I am going to stick to that meal plan 100% C xx
    Originally posted by chocolatelover93
    No, you haven't failed - you've realised there's a problem and you're doing something about it, so stick at it and you'll get there. If you read this thread often enough, you'll realise all of us have times when we've strayed from the straight and narrow!

    A very low spend week here with just £9.45 going out of the kitty, thanks to using what we already have in the freezer and cupboards. Budget now stands at £97.93/£140 with 10/28 NSDs and two weeks to go.
    Be kind to others and to yourself too. Life has its ups and downs, use the ups to overcome the downs!
    Nov £61.50/£175 and 10/35 NSDs (Jan-Oct £200.01 under budget)

    • JingsMyBucket
    • By JingsMyBucket 14th Sep 18, 9:12 PM
    • 308 Posts
    • 3,277 Thanks
    JingsMyBucket
    Another NSD here, thankfully. I'm wholly tired from this week and will attempt to finally make the frittata tomorrow morning. I haven't made a proper meal plan yet and want to get a plan of attack sorted tomorrow. Today was a client event that I've been building up for the last two months. I just haven't had time to think of much lately.

    TOTALS SO FAR:
    5/12 NSD
    €349.46/€500.00
    NOV 18 GC: €122.58/€300.00 // 4/12 NSD
    OCT 18 GC: €293.20/€300.00 // 13/12 NSD
    • thriftwizard
    • By thriftwizard 14th Sep 18, 10:10 PM
    • 2,815 Posts
    • 35,124 Thanks
    thriftwizard
    Aaaaand an unanticipated £8.27 wandered off this evening, on cream, yogurt (a big 1l pot of Fage) branflakes & some crisps for an exhausted & dispirited DD1. I'm beginning to twitch gently now...
    Angie

    GC Nov 18 - £166.59/£400
    Bulk-buy purse '18 £204.36/£250, pet & livestock food '18 £358.63/£300

    Money's just a substitute for time & talent...
    • Josie2003
    • By Josie2003 15th Sep 18, 11:32 AM
    • 8 Posts
    • 70 Thanks
    Josie2003
    A £36 spend in Tesco last night. I didn't buy anything I didn't go in for so am more than pleased. Bought dishwasher tablets and they had the cereals I wanted on offer, also a few other bits. Off to Iceland tomorrow for a few freezer bits and bats.
    • Suffolk lass
    • By Suffolk lass 15th Sep 18, 12:24 PM
    • 2,156 Posts
    • 22,358 Thanks
    Suffolk lass
    Goodness! the medicated shampoo that DH uses (sparingly) has just cost £8.30 for a bottle. I wouldn't mind but you can't reuse it, or anything! Use once and wash down the drain. Leaves a lovely coal-tar smell in the shower though
    MFiT T4 #2 update 90.89% after Q11 against revised stretch target of £60k balance
    Save £12k in 2018 #53 83.33% £9,999.70/£12,000 (after upping my target from £10k to £12k in October)
    OS Grocery Challenge 2018 spent £1,696.43/£3,000 including stores 67.14% of my annual budget at the end of Oct.
    My DFD is here
    • JingsMyBucket
    • By JingsMyBucket 15th Sep 18, 1:03 PM
    • 308 Posts
    • 3,277 Thanks
    JingsMyBucket
    Howdy all. It has been a gloriously lazy day so far. Gone to the pharmacy and then to the market on my square.

    €5.80 on a nice punnet of tiny strawberries and a small container of raspberries.
    €3.66 on two kinds of Italian sausage (4 links); two are fennel and the other are black pepper.

    I'm heading to the main organic market because there's a computer repair shop next to it and I'll drop off my tablet to be seen. Hopefully it'll be okay and then can get it working again instead of me spending money to buy one. If it's totally bricked, I think I'll just save up to buy myself one for Xmas later in the year.

    While in the building, I'll head to the organic market to get some fancy mushrooms for OH as a treat and may try to find some broccoli rabe to eat with some of the sausages I bought earlier. I'll also avoid getting bulk olive oil from there since we have a bottle of supermarket oil that should last us until the end of the month. Between that and the copious amounts of butter in the house, we should be fine for cooking fats. The other purpose is to drop off paper egg crates so the market can reuse them instead of them cluttering up our kitchen.

    The other items on my list today to get at another store are vegetable bouillon, shower gel, and coconut oil. It's been 6 months to a year since I've bought any of those, so it's time to restock. We also need to buy some Listerine mouthwash that's on sale 2-for-1 at a pharmacy downtown but I think I may just order it from a different retailer online and save myself the trip depending on online cost. CRAP. Just checked the price online and it'll end up costing me about €10 more to buy it online. Alright, that's going on my to do list for the week...phooey.

    TOTALS SO FAR:
    €358.92/€500.00
    5/12 NSD
    NOV 18 GC: €122.58/€300.00 // 4/12 NSD
    OCT 18 GC: €293.20/€300.00 // 13/12 NSD
    • tiredwithtwins
    • By tiredwithtwins 15th Sep 18, 1:37 PM
    • 447 Posts
    • 1,377 Thanks
    tiredwithtwins
    good luck chocolatelover93, and as others have said don't be too hard on yourself ... babysteps!


    im nearing my limit already, however ive not kept a strict reign on my receipts so there may be a couple of £10 cashbacks in there .. I tot up from my online bank account, I guess I should keep the receipts!!
    only need bits to top up til payday on Thursday 27th, and from next weekend we will be eating out of the freezer and cupboards only!


    good luck everyone, half way through the month - keep going!!
    oct gc - 190/200
    Nov gc - 155/250

    wading through the treacle of life!
    • thriftwizard
    • By thriftwizard 15th Sep 18, 9:59 PM
    • 2,815 Posts
    • 35,124 Thanks
    thriftwizard
    Hmm - another £23 gone - all on meat. Some of which will go into the freezer, and won't necessarily be used this month, but I'm really going to have to concentrate now to stay under budget! From my point of view there's only one more weekend before payday, and the weekend is when the grocery shopping happens, but it's the little things, the top-ups, the "Mum, we've run out of X"... that leads to ruin!
    Angie

    GC Nov 18 - £166.59/£400
    Bulk-buy purse '18 £204.36/£250, pet & livestock food '18 £358.63/£300

    Money's just a substitute for time & talent...
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