[_] Advisor for home budgeting?
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. >>>> >>>> ______________________________________________________________________ >>>> 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 >>>> >>> >>> > > > -- > underscore_ list info/archive -> http://www.under-score.org.uk/mailman/listinfo/underscore