[_] Advisor for home budgeting?
tim.beadle at gmail.com
Tue Feb 5 12:34:22 GMT 2013
(Late addition to this thread). Have you seen http://www.youneedabudget.com/ ? I started reading the PDF book, which you can get for free and use their method likewise. If you want to invest a bit, they sell an app ($60 = £38) which may make things easier. It will probably pay for itself quite quickly. Apart from that, +1 on making your own food as much as possible. We buy bread flour in bulk on an Amazon subscription, get bulk stuff from Goodness Direct etc. (my wife is slightly gluten-intolerant). We recently switched both our mobiles to Three's £6.90/month sim-only plan. 200 mins, 5000 texts, 500MB data. Also: we've been car-free for about 18 months now (we didn't plan it: the car died and we decided not to replace it). We walk, cycle, use buses & trains and hire/borrow a car (friends or family, or City Car Club) on the few occasions we need one. Living in a city like Bath which has, despite the moaners, pretty good public transport (and a car club!) certainly helps. Some of these things may not work so well in more rural or sprawl-suburb locations. Best of luck in balancing the books. Cheers, Tim