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[_] Advisor for home budgeting?

Andrew Holway andrew.holway at gmail.com
Fri Feb 1 22:35:22 GMT 2013

2013/2/1 James <jmoverley at ladnet.org>:
> 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..

http://en.wikipedia.org/wiki/Living_Costs_and_Food_Survey

http://en.wikipedia.org/wiki/Retail_Price_Index

Some fairly heavy statistics there. Beware of confirmation bias.



>
> 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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>> >
>> >
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