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  • FIRST POST
    • Frugaldom
    • By Frugaldom 31st Mar 08, 4:37 PM
    • 6,137Posts
    • 54,181Thanks
    Frugaldom
    Live on 4000 for a year - Part 2
    • #1
    • 31st Mar 08, 4:37 PM
    Live on 4000 for a year - Part 2 31st Mar 08 at 4:37 PM
    Welcome to Part 2 of 'Living on £4000 for a Year'.
    (The second quarter of 2008)

    NEW PART 3 THREAD IS HERE

    You can find Part 1 here for the first quarter of 2008. This will give you an idea of how, where, when, and what this challenge is about and provide you with plenty of extra reading material on the subject of frugal living and a tight budget.

    Congratulations to everyone who is still with us for this extraordinary challenge, I hope you are enjoying your frugal routines and are beginning to reap some benefits, even if it's just a new awareness of where the money goes and how it gets spent. Don't worry too much if you have spent more than a quarter of your budget within the first quarter of the year - it's been winter, heating and lighting is needed in far greater supplies that during summer months and the aftermath of the festive period can, and does, take its toll.

    Now we are entering the second quarter of 2008 and with that comes the new tax year, price increases, decreases, tax changes and everything else that Budgets entail. It also means an increase in the amount of tax free savings we can squirrel away for our futures, but that brings it's own challenge... the possibility of beating the budget.

    From now until 31st December 2008 all those participating in this challenge with £4000 SHOULD have £3000 left, but that may not be the case. We now have until the end of June to hone our frugal living, hopefully without the added expense of trying to keep warm.

    Here's to Frugaldom - good luck to all and have fun this Spring

    CHALLENGER LIST

    001. Nykmedia - £4000
    002. Whitetigeress333 - £3920
    003. Notanothergreyhair - £4000
    004. Mini_huny_money - £4000
    005. Penny2myname - £4000
    006. Hypno06 - £4000
    007. Impomdasp - £5000
    008. Whitewing - £5300
    009. LoadedIWish - £4000
    010. Tigerseye - £4000
    011. Oliveoyl - £4000
    012. Funbrum - £4000
    013. Tryingtodobetter - £5000
    014. 87p - £4000
    015. Cranky40 - £5000
    016. Bluesteel705 - £4000
    017. Chewits - £4000
    018. Prudent - £5500
    019. Shell37 - £4000
    020. Juliejay - £5000
    021. Azjh77 - £4650
    022. Nicola1982 - £4000
    023. Rachyp - £4000
    024. Kiki - £5300
    025. McSaver - £3000
    026. Pollydaydream - £4000
    027. Maverickangel - £4000
    028. Loadedlaura - £4000
    029. Kayharcombe - £4000
    030. Buffythedebtslayer - £4560
    031. Flowerofthewest - £4000
    032. Mollymop5 - £4000 + Child Benefit
    033. DdraigGoch - £4000
    034. Shazrobo - £5000
    035. 1274 - £4000
    036. Always_amazed - £4000
    037. Protogenia - £4500
    038. Georgiasmum - £5200
    039. Chaddee - £4000
    040. Chriz1000 - £4000
    041. Bigbullyweedave - £6000
    042. Affordmylife - £5000
    043. Liuhut - £6000
    044. Cumbrianmum - £4000
    045. Che75 - £4000
    046. Sweetpea03 - £4900
    047. Scorpio04 - £4000
    048. Broke mum of three - £5200
    049. Artnoble - £4000
    050. Barole - £4000
    051. Ephemera - £4000
    052. Liloandstitch - £4000
    053. LyndaSharp - £3500
    054. Sassamac - £4000 + Child Benefit
    055. Sue09 - £6000
    056. Don't want to be in debt - £6760
    057. Princess Leia - £6200
    058. Saverram - £4000
    059. Sashacat - £4000
    060. Whiskylizzie - £4000
    061. Slackster - £4000
    062. Jamiedodger - £4000
    063. Whitevanwoman - £4000
    064. Skintwellie - £5000
    065. Fairywings - £5000
    066. Sos999 - £4000
    067. Mumzyof2 - £5000
    068. Keren29 - £4000
    069. OldMcDonald - £4000 + Child Benefit
    070. Mah_Jong - £3500
    071. Hardup Hester - £4000
    072. Miss_Pink - £4000
    073. Grunnie - £4000
    074. Rafiki - £4000
    075. Catzine - £5000
    076. Andromache - £2750 (student)
    077. Doom_and_Gloom - £3000
    078. Tracey04 - £4000
    079. Wherediditallgo - £4000
    080. Sallyrsm - £4000
    081. Wornoutmumoftwo - £4000 + Child Benefit
    082. Lexxi - £4000
    083. NEGirl - £5000
    084. Wendyw1947 - £4000
    085. Truthseeker - £1500 (a teenage budget - I am most impressed!)
    086. FrankieM - £4000 + Child Benefit
    087. JustKeepSwimming - £4000 + Child Benefit
    088. RedMel1621 - £5200
    089. Blackfairykitten - £5000
    090. Funkyfunkymonkey - £4000
    091. Carlsberg - £4000
    092. Nate123 - £4000
    093. DJenks - £4000 + Child Benefit
    094. Miss Empty Piggy - £4000
    095. Micron - £4000
    096. Hopeless_Spendthrift - £4000
    097. The_Cat - £5800 inc Child Benefit
    098. LilyBee - £3000 from 01/04/08
    099. Carolinabirichina - £5000
    100. Bails - £4000
    101. Debrag - £3000
    102. LittleMissClimsy - £5000
    103. Gem2509 - £4000
    104. LMac - £4000
    105. LollopyBear - £4000
    106. Slowlyfading - £4000
    107. IHateDebt - £4000
    108. Frugal Fox - £4000
    109. Looby-Loo - £4000 + Child Benefit
    110. LingoJingo - £5000 inc Child Benefit
    111. Fizzel81 - £4000 + Child Benefit
    112. Summertea - £4000
    113. Jammiejen - £4000
    114. Jay1 - £4000
    115. Yoshimi2306 - £5720
    116. Janey51 - £4000
    117. Freyaluck - £4000
    118. DJJoJoJuice - £4000 (£3836.07 from start date 15/01/08)
    119. Frugalmum - £4000 (£3836.07 from start date 15/01/08)
    120. Lysasparkles - £3,500 (from 16/01/08)
    121. Shelovestobuystuff - £3,700
    122. Angelofthenorth - £4000 (from 17/01/08)
    123. Mama67 - £3661 (from 01/02/08)
    124. BigEars - £3661 (from 01/02/08)
    125. Paul Varjak - £3661 plus disabled vehicle expenses (from 01/02/08)
    126. Stefejb - £3661 (from 01/02/08)
    127. Laurabelle - £4000 (from 20/01/08)
    128. MSHAWX - £3661 (from 01/02/08)
    129. Hansolo81 - £3661 (from 01/02/08)
    130. Jumble-Bee - £2008 (from 01/02/08)
    131. Nimbo - £3661 (from 01/02/08)
    132. GemGems - £3661 (from 01/02/08)
    133. DFW844 - £4000
    134. Elantan - £80/week (from 08/02/08)
    135. Marru - £3345 + nursery fees (starting 1/3/08)
    136. Alli_Baba2 - £3388 (from 25/02/08)
    137. SophiesMum - £3388 + child Benefit (from 25/02/08)
    138. Charlies Angel - Living on under £1000 a year
    139. Tigwell - £3333 (from 25/02/08)
    140. Headofsteam - £2983.50 (from 01/04/08)
    141. Bleufleur - £3158 (from 17/03/08)
    142. All_hours - £80 per week
    143. Kittikins - £3000 from 01/04/08
    144. Taka - £3000 from 01/04/08
    145. MrDT - £3000 from 01/04/08
    146. Sukielou75 - £2678 from 01/05/08
    147. Whowants2brich - £2513.66 from 15/05/08
    Last edited by Frugaldom; 30-06-2008 at 11:45 PM. Reason: Updating the challenger list from Part 1
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
Page 1
    • slowlyfading
    • By slowlyfading 31st Mar 08, 4:56 PM
    • 13,024 Posts
    • 75,105 Thanks
    slowlyfading
    • #2
    • 31st Mar 08, 4:56 PM
    • #2
    • 31st Mar 08, 4:56 PM
    wahey! here's to the new thread being just as exciting as the old one
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    Personal Finance Blogger / May NSD - 3 / In pursuit of FIRE
  • Marru
    • #3
    • 31st Mar 08, 4:59 PM
    • #3
    • 31st Mar 08, 4:59 PM
    Hello Nyk,

    I have also updated the link in the challenges thread. I have been absolutely rubbish in March. I will update my totals tomorrow when I reconcile my bank account.

    On a positive note, I sent application to the college today. I haven't calculated how I will manage financially during the college but I have fair idea. I just feel it is the right thing for me to do. Fingers crossed.

    Sorry I haven't been thanking people as much I used to as I don't get all the email notifications and by the time I get to the site there is sooooo much to catch up on but I do very much appreciate all the posts as without this thread I wouldn't have the confidence to jump into the unknown and become a student again.

    Catch up with you all late this evening and tomorrow with my terrifying totals.

    Take care,

    Marru
    "Everything will be alright in the end. If it's not alright, it's not the end."


    • grandma247
    • By grandma247 31st Mar 08, 5:17 PM
    • 2,391 Posts
    • 33,221 Thanks
    grandma247
    • #4
    • 31st Mar 08, 5:17 PM
    • #4
    • 31st Mar 08, 5:17 PM
    Just popped in to say well done to everyone.
  • bails
    • #5
    • 31st Mar 08, 5:19 PM
    • #5
    • 31st Mar 08, 5:19 PM
    Hel-loooooooo! Looking forward to the next quarter!
    The 1,000 Day Challenge:
    Feb 16, 2016

    500/30,000
    1.67%
    • whitewing
    • By whitewing 31st Mar 08, 5:24 PM
    • 11,540 Posts
    • 48,331 Thanks
    whitewing
    • #6
    • 31st Mar 08, 5:24 PM
    • #6
    • 31st Mar 08, 5:24 PM
    Hi from another quarter one-er!
    When you find people who not only tolerate your quirks but celebrate them with glad cries of "Me too!" be sure to cherish them. Because these weirdos are your true family.
    • CharliesAngel
    • By CharliesAngel 31st Mar 08, 5:42 PM
    • 429 Posts
    • 813 Thanks
    CharliesAngel
    • #7
    • 31st Mar 08, 5:42 PM
    • #7
    • 31st Mar 08, 5:42 PM
    Subscribed....!
    Proud to have dealt with with my debts
    Debt free from 18th March 2013, long may it continue!
  • Burlesque Babe
    • #8
    • 31st Mar 08, 5:44 PM
    • #8
    • 31st Mar 08, 5:44 PM
    erm...............hello............I'm back after my sabbatical.........

    I saw the new thread and I've never deleted the old one from my subscribed threads.

    although I was going to 'rest' from the thread until 1 May, a bit of a fortunate situation with my first months salary has meant I can come back now.

    Although I've only been in my new salaried job for 2 weeks, I was paid on Friday and I wasn't taxed as I haven't earned enough this financial year in the eyes of the tax man (although I'll have self employed wages to be taxed on later thisyear) so I got (untaxed) around the same amount I'll get next month after tax. I think. I'm still waiting to see my pay slip!

    Anyway, it means that this month, I got £600 salary (I was expecting about £250 which is why I was going to wait until next month to re-join you) and then I'll have my AQA on top which I've just logged off of for the last time this month, so I will have £1,120 to play with for the month.

    It will still be tight, after all the bills, I'll have £120 left (eek) of which £70 of that is money for shopping from my OH.

    However, I think this is a good time to re-join the challenge. New thread, new quarter and a full month's money to budget with.

    I was a bit naughty in the time I've been away. I had my hair cut which cosst £40 (ouch!) but in my new job, there is access to the hairdressing students, where a cut and blow dry is £10 so I might be brave and try that next time! I also went a bit mad on Saturday in an organic butchers and am still ashamed at the cost (it was extortionate to be honest, even for an organic butcher) so it will be back to counting and balancing every penny.

    I've been making lots of HM bread and I even made HM hot cross buns which were amazing and there are still 4 in the freezer

    Soooooooooooooo, if you'll have me back, erm, here I am!

    I'll start on £3,000 for the rest of the year, I think I'd spent £1000 when I ran away so I'm not far out on the figures.
    Last edited by Burlesque Babe; 31-03-2008 at 6:30 PM.
    "Stay Wonky"

    Become Mrs Pepe 9 October 2012
    • Prudent
    • By Prudent 31st Mar 08, 5:48 PM
    • 11,232 Posts
    • 48,923 Thanks
    Prudent
    • #9
    • 31st Mar 08, 5:48 PM
    • #9
    • 31st Mar 08, 5:48 PM
    A big well done everyone so far. Looking forward to hanging in for the next quarter

    I have really had my cheapest quarter. I choose to pay a lot of the big bills annually as it can work out cheaper. I still have the car tax, car insurance, house insurance and my holiday to come off in the next three quarters. Thankfully they are spread out a bit. Although the next month will mean a spend almost equal to the first three months as I pay for my holiday.

    I have edited down my goal

    I started at £5500. Now I am going for the £4000 plus child benefit for one child. I think this gives me £4977, can anyone confirm?
    Last edited by Prudent; 31-03-2008 at 5:56 PM.
  • sophiesmum
    Hi everyone,
    Just popping in to try out the new thread Frugal pony is now settled in his stable and tucked up for the night.Will be sitting down with DD later to do a final reckoning of her finances and see how much she owes me in total. It was really difficult taking money out of my isa savings for frugal pony.

    No spend day for me today on the challenge, think I was still in shock from the isa thing . Need to make a loaf tonight but apart from that just chilling.I am still fresh to the challenge having only joined at the end of Feb, so well done to all the frugalites who are now a quarter way through . Hope we are all still here at the end of the year.

    Marru - Good luck with your studies, hope everything falls into place for you.
    Reduce,re-use, recycle.






  • sharronloves2spend
    Congratulations to you all for doing such a great job!!! Good Luck for the coming months and i'll pop out from Lurkville every so often to tell how fab you all are Love sharron
  • broke mum of three
    Just had my darling mother down today. She comes with food parcels galore. She has done all my ironing and my house is looking lovely. I had a no spend today as she brought so much with her!
    Hooray for kind mothers, welcome back Keren!
    Live on a little over 4k challenge
    Sealed pot challenge no. 315
  • mumzyof2
    Ok im very ashamed to say my total for March is 701.21

    Im going to try really hard next month - and hey im away for 2 weeks so i should do good!!

    I have a DD coming out tomorrow of 35.16 for the Tv licence,, shall i include it or not????

    Im away on Friday night as i will have no food left in freezer/fridge to feed us on..so im off to my aunties/gran's for the night, and also in that time my fridge/freezer will defrost. She can feed me, and then me and my auntie coming back saturday night to mine. After TEA LOL. Buy a little milk carton for my 5am brew for sunday morning..and leave it in outhouse over night as i will have no fridge (leaving it unplugged till i come back off hols).. Go bed early..get up at 5am..leave in taxi at 7am!! Get to airport about 7.45am ish.. OMG iam sooooo excited!! Oh and rain is due on sunday in Cyprus LOL. I got all the last of my holiday things today and everything is all packed

    Im soooooooooooooooooooooo excited, im just worried about 4 and half hrs on a plane with 2 children I have sweeets, lollys, magazines, crayons, coloring books... does anyone else know what to take for the kids aged 3 and 2??? Im also taking there fav blankets for the airoplane...it gets pretty chilly when im up in the air OH i do hate flying... i hate all the bleeping noises lol hahaha

    Erm ive gone on sorryyyy
    Last edited by mumzyof2; 31-03-2008 at 7:00 PM.
    Sealed Pot dec 08 - dec 09 so far 27.67, Live off 4k Spent 330.20 GC 1,200 for 2009 Spent 50.78 PaD so far 650.07
    Debts: L/woods 154.00 C/One PAID O/D 649.90 Next 299.95 O/D PAID Gas 72.60 Electric 155.73 Mum 640.00 Orange 490.32
    • Frugaldom
    • By Frugaldom 31st Mar 08, 6:50 PM
    • 6,137 Posts
    • 54,181 Thanks
    Frugaldom
    Hello everyone! I just popped back online to check on progress and found the original thread locked already! That's fast service from MSE, most impressive.

    Hello to Keren, hope you are enjoying your new job and welcome to part 2 of the challenge

    Good luck Marru - studenthood could be fun!

    The mere fact that we have entered the second quarter makes me think of springtime. I need to go and investigate why the bells were tolled here earlier today as they normally do this to signify the return of migratory birds - I have a feeling that it may well be the arrival of the first Osprey!

    I'm starting the second quarter the way I mean to go on - my first big expense of this quarter will be the 500+ winter electricity bill, so I'm turning off the storage heaters from tonight so I get Q2 and Q3 under control. The power useage chart has been kept updated daily since the start of this challenge and should make interesting reading. Sad, or what!

    Now that all my receipts have been fed into my accounts programme I am beginning to really see the difference this challenge makes, nearing in mind that I'm on year 2. I haven't greatly increased my income on last year's figures but I have succeeded in keeping to most of my set budgets. (I failed dismally on last year's attempt to quit smoking so I'm nearly 500 short of my saving expectations because I let it go up in smoke. :rolleyes: ) This year, I am saving every penny not smoked into a separate account. Since the budget put another 11p per pack onto the price, it means my previous brand would have gone up to exactly 5 per pack. I have increased my savings amount accordingly and will now save 10 per week rather than 1.28 per day. It's known as "Cahoots for my charoots" and the savings are earmarked for future garden and livestock related purchases

    Next up is the ISA scenario... I am sorely tempted to try to 'beat the ISA' by way of another mini-challenge. From 6th April we can pay 3600 into selected accounts and receive tax free interest. Current top rate is about 6.5%, or 234 over a full year assuming you have the lump sum at the start. I'm wondering if I could earn more than that off 300 per month ... how easy would it be to turn 300 into 330 each month and set aside 20% of the 30 profit for the taxman? That would beat the ISA rate by quite a bit. Hmm.... how big a gamble would I be willing to take, that's the question! :confused:

    PS: Mumzy - you missed out the number
    Last edited by Frugaldom; 31-03-2008 at 6:53 PM.
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
  • mumzyof2
    Hello everyone! I just popped back online to check on progress and found the original thread locked already! That's fast service from MSE, most impressive.

    Hello to Keren, hope you are enjoying your new job and welcome to part 2 of the challenge

    Good luck Marru - studenthood could be fun!

    The mere fact that we have entered the second quarter makes me think of springtime. I need to go and investigate why the bells were tolled here earlier today as they normally do this to signify the return of migratory birds - I have a feeling that it may well be the arrival of the first Osprey!

    I'm starting the second quarter the way I mean to go on - my first big expense of this quarter will be the 500+ winter electricity bill, so I'm turning off the storage heaters from tonight so I get Q2 and Q3 under control. The power useage chart has been kept updated daily since the start of this challenge and should make interesting reading. Sad, or what!

    Now that all my receipts have been fed into my accounts programme I am beginning to really see the difference this challenge makes, nearing in mind that I'm on year 2. I haven't greatly increased my income on last year's figures but I have succeeded in keeping to most of my set budgets. (I failed dismally on last year's attempt to quit smoking so I'm nearly 500 short of my saving expectations because I let it go up in smoke. :rolleyes: ) This year, I am saving every penny not smoked into a separate account. Since the budget put another 11p per pack onto the price, it means my previous brand would have gone up to exactly 5 per pack. I have increased my savings amount accordingly and will now save 10 per week rather than 1.28 per day. It's known as "Cahoots for my charoots" and the savings are earmarked for future garden and livestock related purchases

    Next up is the ISA scenario... I am sorely tempted to try to 'beat the ISA' by way of another mini-challenge. From 6th April we can pay 3600 into selected accounts and receive tax free interest. Current top rate is about 6.5%, or 234 over a full year assuming you have the lump sum at the start. I'm wondering if I could earn more than that off 300 per month ... how easy would it be to turn 300 into 330 each month and set aside 20% of the 30 profit for the taxman? That would beat the ISA rate by quite a bit. Hmm.... how big a gamble would I be willing to take, that's the question! :confused:

    PS: Mumzy - you missed out the number
    Originally posted by nykmedia

    I had to post it and then fill in my total from my sig LOLOLOL and got carried away!!
    Sealed Pot dec 08 - dec 09 so far 27.67, Live off 4k Spent 330.20 GC 1,200 for 2009 Spent 50.78 PaD so far 650.07
    Debts: L/woods 154.00 C/One PAID O/D 649.90 Next 299.95 O/D PAID Gas 72.60 Electric 155.73 Mum 640.00 Orange 490.32
    • CharliesAngel
    • By CharliesAngel 31st Mar 08, 7:11 PM
    • 429 Posts
    • 813 Thanks
    CharliesAngel
    just a quick question considering all this frugal activity... how the hell has my debt risen?!! i'm paying more than minimums... i can't work it out. But i was never good at maths... lol

    anyone know any good recipes for eggs?! lol i'm getting so many off my sis that omelette is getting boring... mayonnaise? is that worth making?! erm.. i'd love to be bothered to make pavlova... Mmmmm raspberry.....

    tempted to start selling them on the 'black' market lol.. i.e without my sis finding out...

    had pizza at my sis's house yesterday and could only eat half of the half... so brought the rest back lol and it's in the fridge for tomorrow's tea with chips out the freezer.. she thinks i'm sad but i'm proud lol

    nothing much else to report.....

    CAx
    Proud to have dealt with with my debts
    Debt free from 18th March 2013, long may it continue!
  • lyndasharp

    anyone know any good recipes for eggs?! lol i'm getting so many off my sis that omelette is getting boring... mayonnaise? is that worth making?! erm.. i'd love to be bothered to make pavlova... Mmmmm raspberry.....

    CAx
    Originally posted by CharliesAngel
    I made a quiche at the weekend, enough for 4 days food (with a salad on the side), just needed cheese, onion, 2 eggs, pastry, tomatoes and olives, plus a bit of cream and milk. Very cheap and very very tasty - plus you can freeze some portions for another day. Meringue is a good use of eggs too

    I'm having a happy day, got my first ever pay for over £1000, and I've come in £40 under budget for March despite having to renew my passport! Flights to Inverness to pay for next month, that'll be tight from my budget... lots more quiche making I think! Still, a proper money saving holiday... staying with a friend's parents in the Scottish Highlands, lots of walking, they'll provide food and lodgings, all we have to do is get flights there and a small contribution to their costs!
    Last edited by lyndasharp; 31-03-2008 at 8:16 PM.
    Live on 11k in 2011
    • Aril
    • By Aril 31st Mar 08, 8:24 PM
    • 1,880 Posts
    • 16,730 Thanks
    Aril
    Hello fellow frugalites
    Your no 1 by proxy supporter here signing up for the second quarter and reporting for duty
    Huge congrats to all of you who have made it through to here...where has the 3 months gone:confused: Crikey I just wonder how much you lot have save to date if it was all tallied up...I suspect it would run into the the thousands already.
    Gnat bottom stakes will continue as before. Sent OH off for the weekend to earn some dosh which bless him he did....we're one of those affected by the loss of the 10% tax bracket so need to up the income to counter it. Cheeky beggar still left me with instructions to change the BT package to one which gives us free evening/weekend calls in his absence. Have been a good frugalite and carried out his instructions to the letter so there should be a saving there. I meanwhile have inherited a load of summer skirts from my sister which should rejig the wardrobe at no extra cost and am now the proud owner of a hanging basket from freecycle which is destined to have strawberry plants in it later in the season [couldn't possibly be a tip I nicked off the part 1 of this very same thread could it now] My frugal tip would be to think very carefully before turning down something that somebody offers you. It may not be what you want on this occasion but if you refuse next time they have something you want they may think to themselves that you won't want it and offer it to someone else
    Aril
    Aiming for a life of elegant frugality wearing a new-to-me silk shirt rather than one of hair!

    Not Buying It 2016
  • bails
    Phew, I've finally caught up with our spends! Sadly, the Spend Days challenge wasn't so successful as OH seemed to buy the odd thing on random days :rolleyes: so overall we had 11 SDs. I'm going to try and improve on that this month, will let you know my aim once I've throttled clarified things with OH
    Right, so for our first quarter we've spent £920.31 so £79.69 under! In March we spent £146.30 - £25.09 in first 2 days then £38.86, £66.35, £12.76 and £3.24 in subsequent weeks.
    I'd like to put the £79.69 somewhere and then draw on it if we need it, but we don't actually have the money in the bank account! What about if I take it out of my savings (metaphorically speaking of course) and then pay it back to myself over time - does that make any sense to anyone? We've also saved £1544.16 so far this year! Woo hoo!

    Marru, that's great news about going back to study, I hope you get accepted. You're right, this challenge is making such a difference to our lives too I've got something to show you all that I'm (far too) excited about but I need to take a photo of it first...
    What about a mini challenge to celebrate the new thread/next quarter - anyone got any suggestions?
    The 1,000 Day Challenge:
    Feb 16, 2016

    500/30,000
    1.67%
  • mumzyof2
    Yeh lets have a mini challenge!!!!! pretty please!!
    Sealed Pot dec 08 - dec 09 so far 27.67, Live off 4k Spent 330.20 GC 1,200 for 2009 Spent 50.78 PaD so far 650.07
    Debts: L/woods 154.00 C/One PAID O/D 649.90 Next 299.95 O/D PAID Gas 72.60 Electric 155.73 Mum 640.00 Orange 490.32
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