[_] Advisor for home budgeting?
martin at spodnet.net
Fri Feb 1 16:08:27 GMT 2013
Turn down the thermostat on the boiler if it has one, I have mine very low, the water/heating is still hot enough. Also gradually, but don't tell the family, reduce the hours the water and gas is on until someone notices, water heating can be reduced a lot I found till you just have enough hot water to wash in the morning/evening as required. Following on from that, if you do have gym membership, shower there. If not don't shower daily unless you smell ;) I'd put the wife out to work, she'll be guzzling energy whilst at home, probably with heating on, whilst playing a radio in one room, using a computer playing bingo and chatting online in another and tv on in the lounge, the lights will be on throughout the house despite not needing to ;) On 01/02/2013 3:45 PM, Damian Webber wrote: > Here's what is frightening > > Council Tax, Gas + Elec, Home phone + Broadband, Mortgage, Water, Wood (for > heating) total £19849 for the year!!! That's £25,480 of gross salary gone > already!!! > > I could send the wife out to work but her wage would only just pay for > childcare > > Now who on _underscore would like to hire a very capable wife in term time > (school hours preferably - which is a conundrum for another day) > > D > > *Damian Webber* > Knowledge Management Consultant > @damianwebber <http://twitter.com/damianwebber> | 07590 807 252 > > > On 1 February 2013 15:10, Damian Webber <damian.webber at gmail.com> wrote: > >> That's exactly the discussion I just had with my wife. I think a pre-paid >> credit card might be good for entertainment/clothes/shoes/luxuries. >> >> Also, we shop in Aldi. I think £115 p/w isn't bad for all shopping. In >> fact it's the 'extra' trips to local Waitrose and Co-op for "God knows >> what" that pushes the average up >> >> I'm happy to receive any tips - God knows I should be left with some >> change after a net income of £3800!!! >> >> *Damian Webber* >> Knowledge Management Consultant >> @damianwebber <http://twitter.com/damianwebber> | 07590 807 252 >> >> >> On 1 February 2013 14:58, Stewart <stewart at novate-it.co.uk> wrote: >> >>> In my experience it's a simple case of having separate savings funds for >>> everything, from Christmas to peoples birthdays, holidays and longer term >>> savings such as ISAs. I then have a standing order into each of these as >>> soon as I get paid each month so the only money I have ready access to is >>> genuinely disposable. Other than that Lloyds TSB 'save the change' is a >>> good way of building a small nest-egg without feeling any pain. Also, shop >>> in Lidl, you'll save money on food then. >>> >>> ______________________________________________________________________ >>> This email has been scanned by the Symantec Email Security.cloud service. >>> For more information please visit http://www.symanteccloud.com >>> ______________________________________________________________________ >>> >>> -- >>> underscore_ list info/archive -> >>> http://www.under-score.org.uk/mailman/listinfo/underscore >>> >> >>