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[_] Advisor for home budgeting?

Damian Webber damian.webber at gmail.com
Fri Feb 1 22:22:49 GMT 2013

Also match that with the distinct lack of pay rises in the commercial
sector over the past few years and ... well it's simple maths, really.

*Damian Webber*
Knowledge Management Consultant
@damianwebber <http://twitter.com/damianwebber> | 07590 807 252


On 1 February 2013 21:43, James <jmoverley at ladnet.org> wrote:

> Whilst on topic.. and probably dumb q: but how to track increase in food
> prices.. and snazzy data out there? - I think Damain's budget is going to
> get increasingly stretched as prices start to rocket this year..
>
> Great thread BTW : budgeting also a hot topic in our house hold (also 2
> adults 2 kids!)
> J
>
>
> On 1 February 2013 19:49, anna oliver <annao at annao.co.uk> wrote:
>
> > 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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