We have decided to cut our expenditure as much as possible whilst not compromising on our quality of life.
I have joined the "Live on £4000 for a year challenge" ( MSE), although this has been tweaked to include certain things for our family.
The emphasis for this challenge is to be able to pay for all the cost of living expenses whilst still having money left over to be able to :
a) build up an emergency fund
b) realise ones dreams
c) possibly have a few treats along the way
This is an ongoing challenge which could become a way of life.
Ready for the Trail back to work
10 months ago