I started with only 1oz a month for probably the first 3 years, its surprising how it mounts up over time. Ive built up nearly 3oz of gold on top with the £5 note trick. Dont spend any £5 notes, if you get one in your change put it away and save it, if you would usually put £30 of petrol in the car put £25 in and put the fiver away and actively seek a fiver in your change. I would struggle to buy a 1/4 gold but ive bought the first 3 beasts and ive £345 in waiting to pounce on the next one with some spare for the one after. If you have loose change and your partner has a fiver in her purse make a swap, it mounts up quickly and takes all the sting and worry out of buying gold on a small budget. A takeway for example, if it would cost £18 then work out a meal that comes to £15 and so on.