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[_] Advisor for home budgeting?

anna oliver annao at annao.co.uk
Fri Feb 1 19:49:07 GMT 2013

Yep definitely agree, make 'the wife' stay in the dark and cold until you get home! Also does she really need to eat / wear things when you're not there?
! ;) ;) ;)

On 1 Feb 2013, at 16:08, Martin Wheatley wrote:

> 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.
>>>> 
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>>> 
> 
> 
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