To live off £300pcm

[Hookeslaw]

I could really do with living off 300 PCM for a year.

This would be for well I guess disposable income and petrol.

Food is all paid for well basic food. Any extras like chocolate and takeaways would need to come out of this. Brown bread and some fruit also.

I live about 3 miles from work. So petrol is minimal and only other is ferrying daughter to clubs ,her Dads etc. Daughter is age 9.

This money would have to include clothes, Birthdays, days out,Christmas , dentist and prescriptions.

Is this possible? Is anybody else managing on a similar budget.

Im.on my own but my disposable income is a lot less than that so I should think it would be enough

I think you could do it

I try to write in the notes in my phone anything I spend money on so I can see what costs me most etc

Also makes me feel bad if I spend to much on something not needed

Yes that's what we have after bills every month. We have a 1 year old and have to buy the food shopping out of that also.

I think it's doable. It might be useful getting a budget app/program to help you log your spending, I find that really helps

absolutely doable. We have £300 left pcm and still need to pay fuel and food from that.

Thanks.

I think its Christmas that worries me and any other surprise bills like the car.

Though the later is a what if. Christmas could blow the budge.

So forget Christmas. Pointless sparky tat or dentist, meds, getting to work?

I certainly will be cutting down.

Would not do that to my daughter though by forgetting it completely.

Really do hated the dentist after yours of it as a child so maybe yes.

If you buy a few small, inexpensive presents every month, spending less than £20 a month you can have a nice little haul each year in time for Christmas. I look in sales and shop in places like the the Works, Primark, TK Maxx, H&M etc for nice little gifts. Then, only buy a bigger main present if you can afford it near the time.

I live on less. And that includes food.

Depends on what sort of things you want to do really.

Definitely do-able though.

You can take the edge off Xmas with careful,shopping all year - sales are your friend for everything. Also make sure you have points cards for nectar, Tesco, Morrisons, Boots etc, even if you rarely go in, and that you use quidco or topcashback for online purchases and for when you need insurance deals. Register and - crucially read - all emails they send you because you can pick up points on deals they don't advertise in store. I find that I make about £150 annually by saving £2 coins and I use that for Xmas shopping. If you belong to a union look at their deals - I have a constant 4% discount at my local supermarket by buying discounted gift cards instead of paying cash. I put the saving in my £2 jar to help make that more as well.

You really need to think small because it adds up over time and can help pay for the more expensive times of the year.

I have about that after bills and food.
Its fine. Just be careful not to spend carelessly on take away teas, clothes for yourself, haricuts etc.
For kids clothes and activities, incidentals, transport to work and back, the occassional treat; I find it fine.

Easily do it on less,including union fees and mobile. It's me and DS.

I would put £100 aside out of that into a savings accounts - then that covers all those bills you have included

Also look up ways to make your money go further. Discount codes, free activities, quidco, little as possible on food and drink out of the house, clothes, haircuts etc for you. Cut right back on presents to anyone except DD.

Do moneysavingexpert money makeover and read weekly newsletter. Change gas and electricity and bank account for sign up bonus.

Cut the adult presents totally - it is all horrible pointless wasteful tat.

Some good advice.

Yes totally have cut the adults out. Parents and family have agreed to only buy for the kids.
Rather just have a nice day together x