The Tenner Challenge: day seven - a week on £9.29

Well, I've done it. I've been without chocolate, Diet Coke, meals out, socialising and other little luxuries for (almost) a whole week. Instead, I've made bread, biscuits and fresh pasta at home, bought bargain birthday cards, pampered myself economically, re-started unfinished projects, explored on a budget and been on a date for £1.92.

At lunchtime today I popped out to spend my remaining pennies on a can of Diet Coke - the thing I've missed the most - and a box of Celebrations for my colleagues.

I'm proud to be able to say, therefore, that this week I've spent a grand total of £9.29. 

I honestly can't remember the last time that I spent so little in a week. Perhaps when I was 15 and had a Saturday job at McDonalds for less than minimum wage. I'm feeling a bit smug and rather proud of myself - I honestly never thought that spending so little, and still managing to do quite a considerable amount, was possible.  

So, what have I learnt?

• I really love Diet Coke - Having banished buying chocolate, crisps, snacks and sweets from my life this week, I now know that I can easily go without. To be honest, I really haven't missed the daily naughty smackerel of something even a tiny bit. In fact, this week has made me realise that I buy these things, and other food too, because it's there and it's something to do - rather than because I actually want it. Diet Coke, on the other hand, is a completely different ball game. I'm addicted to its sweet, sweet nectar, and at 11am every day I found myself getting the Diet Coke withdrawal shakes. Although it probably doesn't do anything good to my insides at all, I'd prefer this to be my vice rather than cigarettes, alcohol or drugs, and I can't wait to sup on my daily can again next week. 

• Budgeting is, well, restrictive - Although the past seven days haven't been as boring or as hard as I thought they would be, they have been extremely tiring. Having to think about where every penny goes is exhausting, and planning everything in advance is extremely restrictive. Obviously budgeting and restriction are pretty much synonymous, but I'd never really considered how living off such a small wad of cash could have such a huge impact on day-to-day life. Although I'm lucky enough to live in a city that hosts lots of free events, there are always hidden costs - food and transport really ramps the amount up. Just going for a walk on Saturday wiped out a third of my budget. Socialising was pretty much out of the question due to a lack of funds, which left me feeling housebound and a bit depressed by day five. I'm someone who thrives off doing stuff, and having a week of doing very little left me very down indeed. I can't imagine what it must be like for people who never have more than £10 of disposable income to spend every week due to necessity  and I hope I never have to experience it. But with half of the world living off less than a dollar a day, and hundreds of thousands of people living on the breadline in the UK, it's a very real reality for a lot of people.

• I can live off a lot less than I normally spend - Would I choose to live off £10 a week again? No way, jose. Would I recommend doing it for a week to others? I would. The truth is, this week has massively put my spending in perspective. Detoxing my spending has given me the confidence to cut down on eating out, snacks and little luxuries. Doing so will do my bank balance the world of good, and to be honest, I won't miss it. It's kick started my willingness to save more and spend less. 2013 is a year to start appreciating what I've got, get better at finishing projects and be more creative with the disposable income I do have. 

So, what's next? Well, I'm off  now to pack my suitcase for a weekend in London to see some of my favourite people and celebrate my wonderful Mum's birthday. Will I be spending more than £10 this weekend? Hell yeah, and I'm going to seriously enjoy it. But on Monday, I'll be back to watching what I spend. I won't be living off a tenner again or restricting the Diet Coke, but I will be turning over a new leaf that my bank manager will be proud of.

The Tenner Challenge: day seven

Total spent - £9.29

The Tenner Challenge: Day 6 - seeing things through to the end

The penultimate day of my ten pound challenge went by without note. The highlight was probably a hot chocolate that I paid 20p for at work - you can gauge how thrilling my day was off the back of that. To be honest, I'm going a bit stir crazy as a result of not doing anything particularly exciting this week - unusually for me I haven't seen any friends (doing that normally costs over a tenner), and although I've tried to do interesting bits and bobs in the flat, due to lack of funds I've been pretty much housebound apart from the trip to Saltaire. Although I looked into free things to do in Leeds midweek (using Leeds Inspired - a definite must of a website for any bored Loiners), everything that was free was either happening during office hours or cost more than £2.00. Not much use to those of us in 9-5 jobs who are trying to scrimp and scrape.

Anyway, when I got home from work, I thought I'd pick up and crack on with a project that - embarrassingly - I started almost a year ago. I'd say my tendency for starting stuff and then not seeing it through to the bitter end is one of my worst character traits. There are various things that I've started and never finished - in 2011 I decided to take a photo a day for a year. I was doing great, until I gave up in late November, just a matter of days from the end. In the same year I lost a very decent amount of weight, but got bored of tracking what I ate so gave up just lbs away from my target goal. There are various TV box sets that I've watched for a good few series, but then given up - not out of lack of enjoyment but because it's lost my interest. I'm the same with books - I don't think I've ever completed a trilogy because by book three I've decided there's something more worthy of my time. I guess the crux of it is that my attention span is pretty awful - no matter how well I enjoy something or  how well I'm doing at it, I always seem to have grass is greener syndrome. 

This needs to change if I'm ever going to achieve the things I want to achieve. And with the project I picked up again today, it's really important to me that I do my best to finish it by the 23rd of March.

Why the 23rd of March, I hear you say? Well, it's this little man's first birthday.

This is me and my nephew Will on the beach at Scarborough last summer. He's loads bigger now and can do lots of cool stuff like commando crawl and play peekaboo. Will's my first ever nephew, my sister's first child and my parents' first Grandchild. When he arrived last March we were all over the moon. He has brought our family so much joy and we're so much closer as a result. I might be biased, but I'm pretty sure he's the best baby in the world. 

When Will was first born - despite not really listing arts and crafts as a strong point -I decided to cross stitch him a traditional sampler. You know the type - his name, birth weight, date of birth and lots of little animals going two by two in rows. I spent ages picking the one I wanted, which was quite a feat considering I hadn't cross-stitched for years. When it was finally delivered, I cracked on like an eager beaver and was surprised by my progress, thinking I'd have it done in no time.

That was last March. Since my first enthusiastic bout of stitching, it's spent almost a year sitting next to a ukelele and on top of a picnic hamper in the living room, gathering dust. Sorry Will. I promise it's not because I don't love you. It's because I have the attention span of a meercat.

I don't want you all to think I'm an awful auntie. I've bought Will lots of presents, but I know that none of them will mean as much to him when he's older and my sister right now than a sampler which I spent hours and hours stitching by hand. 

Sometimes, it's not about money. It's about time. And attention span.

So, tonight I picked up the sampler, threaded the needle for the first time in almost a year, and got cracking.  

This is for you, Will. x

The Tenner Challenge - Day 6

Total spent: £6.62

The Tenner Challenge: day five - date night

Only two more days to go until my week of living on £10 is over. I have to say, I'm quite looking forward to it - although this week has put my spending into perspective, it's not been easy and the old enthusiasm factor is starting to run a bit low. It probably wasn't helped by the fact that today was the first day since Saturday that I've felt like I've been really restricted - the little things are starting to get to me. I had a massive Diet Coke craving at lunchtime (it is the nectar of the Gods after all)  but managed to resist due to the 60p price tag. Constantly having to make decisions over the pennies rather than the pounds is beginning to wear thin.

I guess I'm one of the lucky ones though - for me, there is a very foreseeable end to such drastic budgeting. Come Friday, although I'll probably start thinking a little bit harder about being frivolous, I'll be back to a weekly spend that's considerably more than the amount I've got this week and I never have to think about where money for food, clothes, rent or bills is coming from. Living off £10 a week not out of choice, but out of necessity, for a long period of time isn't something I ever want to experience - and this week has bought home to me how tough it must be for those that do on a continual basis.

Anyway, back to today. Initially we had plans with friends for tonight, but unfortunately they fell through so we had to come up with another way to spend those few precious hours between work and sleep.

Every now and then Ash and I have a 'date night'. When you've been going out for close to half a decade and have been living together for two years, it's easy to get into a routine of eating dinner in front of the TV and mumbling a few words to each other every evening. Quite often we also have weeks when due to different commitments it feels like we pass like ships in the night. With Ash set to be working late for a few nights this week and me being off to London at the weekend, we thought it might be nice to spend some proper time together tonight.

Quite often "date night" consists of a meal out or a trip to the cinema, possibly a drink somewhere - you know, the usual sort of stuff. However, with £5.50 to my name that sort of thing was clearly a no go. So instead we spent the evening in.

To add a bit of spice, I splurged £1.92 on a couple of Gu desserts and Ash bought a bottle of wine - after much hmming and ahhing from me about whether accepting a glass would be cheating - but then decided as I'm basically a charity case this week it was ok. We turned the TV off, put some music on, lit some candles and made fresh Tagliatelle Primavera together (that's spicy tagliatelle with peppers, courgettes, red onions and thyme to you and I).

As I've mentioned before, Ash is a dab hand at pasta making these days and I'm exceptionally good at pouring red wine. Together we're a match made in heaven.             

The Tagliatelle Primavera was delicious - a  mix of olive oil, red onions, peppers, courgettes, chilli flakes and thyme fried over a medium heat for 8 minutes and then chucked on a heap of fresh pasta. Simple, yet perfectly formed.

Over dinner we made a pact to do more 'date nights' like these - although we both love eating out, there's nothing quite as satisfying as cooking a gorgeous meal at home. When Ash and I first got together I found it extremely hard to cook with him. He's exceptionally precise and ordered about everything, whereas I'm more of a chuck it in the pan and see how it turns out sort of girl. It was so bad that we almost broke up over how to chop an onion and the Kitchen Nazi was my not very affectionate nickname for him. These days though we've mellowed in our old(ish) age and cooking together is something we both love to do - who'd a thunk it?!

Anyway, after dinner we snuggled up together to watch a film on the sofa. It was lovely just to have a bit of 'us' time.

Then things moved to the bedroom. By that I mean that I  took my laptop to bed to write this blog and Ash switched the Xbox on to play Fifa. Who says romance is dead?!

On that note, night night! x

The Tenner Challenge day five
Total spent: £6.42
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The Tenner Challenge: day four - annnnd relax

Today was just one of those Mondays where there was no time spare to do anything of any note except work and remember to breathe every now and then. A late meeting, a project I've been working on for ages finally going live and a hundred or so emails made for an exceptionally busy start of the week. Luckily I'd packed lunch as there was no time for a break and under normal circumstances I probably would have either gone without or ran to the Tesco down the road to spend a good couple of quid to keep my stomach from rumbling. Prior preparation and sticking to budget 1 : Giant, ethically-rubbish corporation 0.

Anyway, by the time I eventually got home and stumbled through the door, my head was pounding and all I wanted to do was order a dirty takeaway, have a glass of wine and watch whatever rubbish was on the telly box. However, having £5.50 left of my £10 budget to last me until midnight on Thursday means that there is no room for such luxuries (which my waist line is probably thankful for). Instead of kicking off my shoes and watching Come Dine With Me repeats, I decided to treat myself to a bit of a pamper session.

I popped a bit of Ben Howard on the stereo and ran myself a bath. I'm not usually one for baths. You'll be pleased to know that I'm quite good at washing and I have a thing for showering every day (apart from a fateful time when I was mid-dissertation stress at Uni and realised that I hadn't brushed my teeth for five days. Please don't judge me). Baths, on the other hand, are time-consuming and, well, a bit boring. When you're in the bath it's difficult to check Twitter, shop online, browse for holidays and do all those other things that I spend my evenings doing and my money spending.

However, no good pamper session is complete without a bath. And with a load of Christmas Cath Kidston and Sanctuary bath goodies that I was yet to try, the time was ripe to take the plunge.

And take the plunge I did. It was completely blissful. The water was beautifully hot and having time away from a screen did my headache more good than a glass of wine could ever do. Accompanied by a recent copy of Oh Comely magazine, I stayed in until my skin looked decidedly pruney. Lovely.

Have you ever come across Oh Comely magazine? If you've not, I'd suggest you check it out right away. It's probably my most favourite publication on the planet - sort of like a combination of the best bits of G2 and the weekend supplements. The tag line of the magazine is keep your curiosity sacred, and that's exactly what it does. To give you a picture of the sort of stuff it covers, in the bath I read about a Lego grand prix, three stories about food, an amusing recollection of a 1996 school newspaper coup, an interview with a man who's created a game about punching bears in the mouth and a biog of a CBBC puppeteer. Covering art, fashion, people and a whole load of other stuff, it's pure joy and never fails to make me smile from cover to cover.

My lovely mum kindly got me a subscription to Oh Comely for my birthday last year, but embarrassingly - as much as I really do love it - they quite often get left unread on our coffee table. 3/4 of my life is spent looking at a screen rather than paper pages, which is quite sad really considering how much I love reading. Today was the first time that I'd picked a copy of Oh Comely in ages and I absolutely fell in love all over again. Living on a budget makes you appreciate what you already have.

Talking of what I already have, the next step in my pamper evening will be to clamber into bed with a cup of tea and a copy of The Hundred Year Old Man Who Climbed out of the Window and Disappeared by Jonas Jonasson. I need to crack on with reading this book - I'm massively enjoying it, but I keep getting distracted by new titles. When you only have £5.50 to your name, buying another book isn't on the cards.

I need to make time for more evenings spent like this. Switch the telly off. Shut down the laptop. It's a shame that it's living on a tenner which has forced me to do it.

Night all x

The Tenner Challenge day four
Total spent: £4.50

p.s My daffodils reminded me that it's almost spring today. Hurrah!

The Tenner Challenge: day three - preparation, preparation, preparation

I bloody love Sundays, even ones spent trying to be thrifty. They're usually full of the best things - lie ins, good food, watching a dozen episodes of the OC boxset without feeling too guilty and numerous cups of tea. Apart from the back-to-work dread that usually rears it's ugly head at about 9pm, Sundays are my favourite sort of day.

Today was no different really, but instead of spending it in a dreamy, listless, OC filled haze (I've only watched four episodes today), I set myself the challenge of getting prepared for the week ahead to try and ensure that I cut out any non-necessary spending - I've only got £6.50 of my weekly £10 budget left after all.

Being organised

I like to think I'm quite good at being organised. I was in the Guides for a few months when I was ten, and whilst I didn't really get the whole serving other people and loving my God thing, I loved getting badges that I could sew on my sash for ironing and making fairy cakes. I thrived off the whole 'being prepared' ethos, so much so that if there was an adult version of the Guides (one without the dodgy uniform), I'd be there in a flash. Whenever we go on holiday, I'm the sort of person that has my bag packed a week before. I plan meals a week in advance. I love writing lists so much that I've invested in an ingenious notepad from Staples that is perfect for list writing. I hate the thought of not knowing what's going to happen next - I have had a life plan since the age of seven, for crying out loud. In my head, at least, I am Miss Rebecca Organised.

The reality is very different. As much as I like writing lists and packing for holidays way in advance, I don't do 'being prepared' for day-to-day stuff very well at all.

Where does all the money go?

Today I thought about where I spend money during the week (apart from socialising and nipping into town to buy extremely pretty things). I narrowed it down to the following:

• Eating out on a whim - with only £6.50 to my name, I don't think I'd even be able to stretch to a Burger King this week, so unless I go massively over-budget the risk here has been largely removed. As I discussed on Friday, we've planned our meals for this week and bought all of the stuff we could possibly need in advance. Prior preparation should mean that we don't need to spend extra at the over-priced Co-op across the road.
• Lunch - snoozing the alarm so I don't have time to make lunch is one of my worst pouring money down the drain habits. Even worse is the fact that I quite often take leftovers in for lunch, but then decide come lunchtime that I'd much rather have something from elsewhere. There are other weeks when I simply don't factor in lunch in our weekly shops. This habit must be stopped if money is to be saved and Thrifty is to become my new middle name.
• Sweet stuff - I have a serious sweet tooth. Even if I've been a good girl and taken in leftovers or a sandwich or soup for lunch, I very often end up nipping out to the shop for a sneaky chocolatey something come lunchtime. Even if I only spend 60p a day, that's still £3.00 a week - which is almost a third of this week's budget.
• Last minute realisations that there's a birthday/other event coming up that hasn't been planned for - Although I do try to set a budget on a monthly basis, family/friends' birthdays or other events that I already know are coming up have a tendency to sneak up on me without being budgeted for. Quite often this can take a large chunk out of the bank balance, putting any attempt at budgeting completely out of kilter.

Living on a tiny budget takes large amounts of preparation.

Today I did the following to try to ensure that I stick to my minimal budget this week:

• Made rolls for lunch boxes - following a Paul Hollywood recipe, I made 12 crusty rolls from ingredients that we already had in the cupboard. Although buying baking ingredients can initially be reasonably expensive, you can make a good few loaves from a single bag of flour. There's no doubt about it - bread making is time consuming, but my efforts today mean that I'm left with 12 delicious looking baps that should curb my craving for splurging money on lunches out this week. I've also promised myself that I'll make lunch every night before bed. Hurrah!

• Made biscuits for a cheap sugar rush - again using store cupboard ingredients, I made two dozen sweet little heart-shaped biscuits that can be called upon when only something sweet will do. 

• Raided Card Factory - I checked my diary and saw that I have a couple of birthdays coming up this week. Usually I'm a massive fan of Scribbler and Paperchase for birthday cards, but at £3+ a card desperate times called for desperate measures. Although Card Factory isn't exactly known for beautiful design or high quality paper, their 10 cards for £1 offer was just too good to refuse this week. It's the thought that counts, right? Birthday cards - sorted!

Preparation is tiring

Although this weekend hasn't exactly been a wild one, I've still managed to go out and do some bits and bobs that I enjoy. Today we popped to Leeds Farmers' Market which was lovely as usual, and although it was difficult to look but not buy, I still really enjoyed having a mooch (and the free tasters helped a lot). This weekend has proven that having fun on a budget can be done, it just takes a lot of prior preparation. And preparation can be tiring. Sometimes it's really lovely just to be able to do stuff on a whim - to see where the wind takes you and spend without really thinking about it. 

So, there we have it. A whole weekend done and only £4.50 spent. Am I proud of myself? I most certainly am. Has it been different from other weekends? It has been. And have I still had fun? Most definitely yes. 

Tenner Challenge day three

Total spent: £4.50

The Tenner Challenge: day two - economical exploring

When I woke up this morning the sun was shining, the birds were singing (er, ish - I don't think I've ever seen, let alone heard, a bird in Leeds city centre) and after a few days of being a bit under the weather I was feeling decidedly perky. It seemed like a perfect day to drag Ash out of bed and go for an explore. One of my favourite things about living in Leeds is the fact that it's also quite easy to get out of it - in twenty minutes you can be in the middle of the stunning Yorkshire Dales or exploring an old country heap somewhere. Trains are cheap and the bus network is extensive. Exploring is easy.

Or so I thought. When I actually started to look into what we could do today, I was met with a couple of pretty massive barriers. Firstly, when you only have a £10 budget to last you a whole week, trains are actually quite expensive - even with a Young Person's Railcard. To get to York (twenty minutes away) you're looking at something close to 3/4 of the weekly budget disappearing down the drain, and a return to nearby Ilkley would take out half in one foul swoop. Normally spending £7+ on a train ticket to somewhere pretty wouldn't even cross my mind - my card would be in that ticket machine before you could shout Betty's  Afternoon Tea - but as a famous man once said, the times they are a'changing (well, for this week at least).

Right, I thought, time for a change of tack. Let's go local. Despite living in Leeds for ages, there are tons of places I haven't been. I've never been to Temple Newsam house or farm, and Thwaite Mills are unknown territory too. Let's pop on a bus and go somewhere, I thought. How wrong I was. Although you can walk around the grounds for free (which I've done before), entry to Temple Newsam is £6 per adult, and the bus fare would be significant too. Thwaite Mills (which we could walk to) would take out £3.70 per adult - and Ash didn't seem all that enthusiastic. Back to the drawing board.

A visit to Saltaire

After a bit of thinking, we decided to pop on a train to Saltaire and go for a walk. Saltaire is just 15 minutes away from Leeds by train, and a return ticket (with a Young Person's Railcard) set us back just £2.90 each.

I'm not sure if going to Saltaire really counts as exploring - I've been there lots of times before - but it's somewhere local that I really love visiting. It's a UNESCO world heritage site, named after Sir Titus Salt's mill that dominates the town. It has a fascinating history and the mill is now a wonderful Arts Centre which is full of Hockney paintings and one of my most favourite local bookshops and home/kitchen stores. It's a living, breathing little place with a wonderful park, lovely junk shops, a brewery, a canal and a real sense of community. Ash and I love it so much, in fact, that we're seriously considering a move to one of the workers' cottages when our contract expires on the flat in June. It just feels like how a home should feel.

The Tenner Challenge: day one - frugal food

As I blogged on Thursday, I've challenged myself to live on just 10GBP this week. To put this in perspective, that's the same as a Tesco Finest dinner for two, a cinema ticket and (almost) a half, or half a ticket to see Bradford City play at home. It really doesn't seem a lot - but with half of the world living on less than a dollar a day and 4.4 million jobs in the UK paying less than £7 per hour, it's substantially more in the way of weekly disposable income than many others experience.

Although I've been at home today and therefore out of the grips of most forms of temptation, I've really started to realise how difficult this week is going to be. My inbox is completely cluttered by daily 'offer' deals, all tempting me to buy a meal for two for £20, or this season's new trends, or a weekend break in the Lake District for a price that's really hard to refuse. Email marketing is all about capturing attention and bringing about a feeling of urgency -get this deal now or you'll regret it forever. I fall for this sort of stuff all of the time, when in reality, will I regret it if I don't buy straight away and wait for a time when I actually seriously want the stuff? Probably not. There's always going to be another deal tomorrow.

Let's talk about food, baby.

Anyway, I digress. Apart from avoiding the perils of my inbox, I've spent some time working out exactly what I'm going to eat this week. As I explained in my last post, we budget for food, cleaning products and toilet roll etc on a monthly basis (spending £80 each for the month, or £160 to feed two people - in theory including breakfast, lunches and dinners - for 31 days). As such, food isn't included in my £10 challenge - although snacks, alcohol, toiletries and any extra food not bought during the weekly shop is, so this was a week to be extra careful with what went in the trolley.

Can I survive a week living on a tenner?

Every month, without fail, it gets to the day before pay day and I wonder where on earth my money has disappeared to. I'm a big fritterer - I buy stuff I don't really need, often spending my hard earned dollar on stuff that's often forgotten about after I've bought it. I love buying lunch at work, I'm a fan of a cheeky nip to the Co-op for a chocolatey snack or two and although I'd probably try to deny it, I'm sure if I looked closely at my bank statements, I'd find that a massive proportion of my salary goes on eating out. I have piles of books and DVDs that I haven't read/watched yet, yet Amazon still swallows my money. Cookshops swallow my money. Nice (but mostly useless) stuff swallows my money. I just don't do budgeting very well at all. There is temptation EVERYWHERE.

It's not just the small stuff, it's the big stuff too. Sometimes I buy really expensive things without really thinking about the consequences. Take last month, for example - I decided to book a holiday and buy a new laptop, with the promise to myself that I'd pop the money back into my savings ASAP. I know full well that this sort of strategy is going to lead to future months of fiscal anxiety whilst I try to replenish my savings, anxiety which could have been avoided if I'd just saved separately for the laptop and the holiday in the first place. And here lies the crux of the problem - when I want something, I buy it.

I wouldn't say I'm in financial dire straits, and neither am I really awful with money. I earn an average salary, of which I put around 16% each month into the eventual house-buying/adventure/rainy day pot. Every week we try to plan our food, meaning that it's rare that we spend over £40 a week between us. I have a decent job, no kids, no car and no real responsibilities. My money is entirely my own and my life is for living.

However, I think it's about time I had a long, hard look at where the disposable cash goes. I can't help thinking that if I cut down on some of the little bits, I'd be able to buy myself a few really nice things - that I actually need - every couple of months and not feel too guilty as a consequence.

With over half of the world's population being forced to live on less than a dollar a day, I want to put my spending into perspective. And that's where this challenge comes in.