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  • FIRST POST
    • Eager_Elephant
    • By Eager_Elephant 29th Jul 17, 3:14 PM
    • 4,117Posts
    • 22,842Thanks
    Eager_Elephant
    NST - Stupendous Sextilis
    • #1
    • 29th Jul 17, 3:14 PM
    NST - Stupendous Sextilis 29th Jul 17 at 3:14 PM
    Welcome to August’s NST challenge – August was originally the 6th month of the year and was called Sextilis, in 27BC it was renamed August in tribute to the first Roman emperor – Augustus Ceasar.

    The flowers which represent August are the Poppy and Gladioli – I love these flowers and just the other day saw a purple poppy.

    August is Happiness Happens Month – I think this will tie in nicely with our gratitudes - so for the month of August we are going to find the positive in everything.

    This month we also have National Allotment Week and National Afternoon Tea week which both happen to be on the same week so I think we need to mark these in some way – ideas to follow.

    We also have Colouring Book day on 2nd August so if you don’t have colouring book and felt pens/crayons you can go out and buy them and we won’t count them as a spend!!!

    I know August is busy with holidays so try to join in as much as you can.

    Thanks to all Turtles for joining the thread this month.

    Rules:

    Allocate – set your budgets for the month – this needs to includes any money needed for holidays away, days out, maybe even school uniform/items. Make sure you have something allocated for treats.
    Once you have done your budget you then need to pay any surplus to your debts or savings.

    Use (Up) – we are going to try and use up as much as possible, whether that is clothes/food etc. Do you need new clothes for holidays or will your current clothes be suitable? Do you need those sparkly sandals when you have a similar pair in the wardrobe? Do the children need to replace all school items/clothes or can some from last year be reused?

    Gratitudes – each time you post I would like you to post at least 3 gratitudes.

    Upcoming (holidays) – what plans has everyone got for August? If you haven’t yet decided and are worried about keeping the kids entertained then now is the time to plan the month. Get yourself an A4 piece of paper and draw 31 squares and start filling in the days.
    Free activities are preferred - can we all share some tips?
    is there a friend or family member you haven’t seen for a while – plan a catch up with them.

    Spends – we will have 15 NSD’s (unless you want to set a separate target).
    Medical spends or days when the only purchase is reduced items do not count as spends.

    Time (for yourself) – make time for yourself this month, I know its hectic for a lot of people so take time to have a coffee in peace, a bubble bath, indulge in a good book, do some colouring or something else that takes your fancy.

    The challenge will run from 1st August 00:01 until 31st August 00:00.

    Please post as much as possible to let us know your progress.
    Ninja Saving Turtle No. 15 for November
    NSD - 1/15
    (up to 01/11/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
Page 2
    • Calling14
    • By Calling14 31st Jul 17, 10:52 AM
    • 2,515 Posts
    • 18,656 Thanks
    Calling14
    ooo Sign me up hopefully get back on with budgets and plans later today x
    LBM 13039 1.1.13 NOW £990
    PAYDBX 2017 #16 £3310 /£4300 DFD 12/17
    E
    Fund #9 £100/£1,000
    1 x 100 days challenge £1567/2000 ends 29/12/17


    • Calling14
    • By Calling14 31st Jul 17, 1:17 PM
    • 2,515 Posts
    • 18,656 Thanks
    Calling14
    Rules:

    Allocate
    Food I have Sains vouchers 50 pounds which I will use up and try to just spend 40 pounds on top. No surprise visitors this month.
    Petrol usually 40 pounds but may need bit more so increase to 60 as going away one night.
    Treats one night away 100 pounds to include hotel cost. Other day/ nights out 30 pounds total. Just bought annual zoo membership so will be taking gs there a lot.
    House - finally found men who will do some jobs - not sure of cost until next week. Hourly rate is reasonable just need to see time they will take. Find out next week.

    Use (Up) – No new clothes to be bought at all. Need to declutter what is taking up wardrobe space.

    Upcoming (holidays) – Only 1 night away so looking forward to.

    Spends – 15 SFD it will be.

    Time (for yourself) – Going to finish 2 books as keep renewing them and not had any time to read them, full weekend with Grandkids this weekend. Packed them off home at 8pm last night, 1 hr clear up and then Poldark. Where was the weekend.??

    Grateful for
    Accounts balancing in work today.
    Lovely weekend with family even if hectic
    Hopefully some me time tonight.
    LBM 13039 1.1.13 NOW £990
    PAYDBX 2017 #16 £3310 /£4300 DFD 12/17
    E
    Fund #9 £100/£1,000
    1 x 100 days challenge £1567/2000 ends 29/12/17


    • lcc86
    • By lcc86 31st Jul 17, 2:56 PM
    • 911 Posts
    • 2,390 Thanks
    lcc86
    Well I've not had the best start to the month already (I know it's not officially until tomorrow, but I got paid on Friday so I always feel like the month starts on payday). My phone died, I have savings but it's all allocated for one thing or another so I bought a new handset - £200 - from Very as they had a 0% for 12 months offer. Basically going to make a payment a day until it's paid for, should only take a couple of months.


    I also had to take my gpig to the vet on Friday as he's been unwell - not sure what the matter is, he's perked up a bit but still not 100% bless him. £70 lighter again and the vet fund is empty. I predict further visits


    Aaaand finally, I went to get in my car last night and I had a flat tyre. As it's a small car there's no spare, so I've had to work from home today to get it sorted - still waiting for the man to come back with the fresh one. Normally this wouldn't be a problem, but yesterday morning I bought some new brake pads and discs so I actually used what was in my car fund, only for the puncture to happen the same day! Another £85 spent. I had to rejig my budget, have been able to cover £60 of the cost, £25 is on the cc which I use for emergencies, not a massive drama but the worst timing!


    Here's hoping that's my bad luck out of the way lol.

    Rules:

    Allocate – set your budgets for the month – my budget is all done, and done again thanks to car probs. August is a 5 week month between paydays so always a bit tight. I'm hoping as a treat I'll be able to spare some money to go horse riding in Norfolk when I visit my parents in a few weeks' time as the scenery there is lush, but we'll see how we go. Got a few other fun things planned which are already paid for.

    Use (Up) – no new clothes needed, holiday has been and gone and I think I only bought one new item for that! I'm going to try and use up food as I did a big clear out of the cupboards over the weekend and found food (mainly snacks) that was over a year out of date I HATE wasting food, but that was pushing it even for me.

    Gratitudes – hopefully have had all my negatives out of the way in this post so can start with the positives on 1st August lol.

    Upcoming (holidays) – I'll just be working - no kids here so no ideas I can share unfortunately.

    Spends – going for 18 NSD's.

    Time (for yourself) – really want to get back into meditation so have set myself a target of meditating twice this month, and also going for a nice walk around my favourite park. Small things do make a difference (to me anyway!).


    Happy (almost) August everybody!
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 28/11/17 - £132 £667/£1,000 emergency fund £640 saved for household jobs
    • better_times
    • By better_times 31st Jul 17, 3:24 PM
    • 67 Posts
    • 227 Thanks
    better_times
    Hi, Can I join please? We are going away on the 12th for a week in a caravan but that's all budgeted for I need to stop going to the shop for a loaf of bread and buying a load of rubbish I don't need hopefully this will keep me on track.
    Sealed Pot Challenge 441
    Loan £35,000 February 17/£30845.78 to date
    Step Change £12908.56
    Rent £565.95
    July focus Food

    • thriftylass
    • By thriftylass 31st Jul 17, 4:00 PM
    • 3,117 Posts
    • 25,654 Thanks
    thriftylass
    Hello, can I sign up please?

    Just back from our holidays and need to take control again. Family is nearly paid off but the CC crept up again.
    NST Nov 6
    SFD 3/20 spends 401/625 (98/200 xmas)
    Exercise 5/20
    Debt - all 0% 1000 to go from 5290 (80% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • thriftylass
    • By thriftylass 31st Jul 17, 4:05 PM
    • 3,117 Posts
    • 25,654 Thanks
    thriftylass
    My Rules:

    Allocate – will do that tomorrow. Hopefully will get some vet bills refunded this month

    Use (Up) – I just bought some pumps on eBay so that's me sorted for ages. Will have to sort my wardrobe a bit and stop wearing the same things. Just had to buy DS a complete new uniform as two schools merge in the new year and everything changed. Had a £3 off voucher from Tesco and £11 club card vouchers, so only £21 spend. Need to check the shoe situation

    The veg harvest is slowly coming in, got potatoes, carrots, beans and some others at least for the rest of the month. Kale and other leafy things I'll harvest and freeze as it gets ready.

    Gratitudes – I'll try.

    Upcoming (holidays) – only 2.5 weeks left and the holiday clubs are all booked and paid for.

    Spends – we will have 15 NSD’s (unless you want to set a separate target).

    Time (for yourself) – I found some lovely crochet projects that I want to get back into, I already started reading a lot more last month. And once my triathlon is over I'll partake in the weekly girly meet ups again.
    Last edited by thriftylass; 31-07-2017 at 4:30 PM.
    NST Nov 6
    SFD 3/20 spends 401/625 (98/200 xmas)
    Exercise 5/20
    Debt - all 0% 1000 to go from 5290 (80% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • Lauralozzle
    • By Lauralozzle 31st Jul 17, 7:29 PM
    • 475 Posts
    • 4,321 Thanks
    Lauralozzle
    Rules:

    Allocate – set your budgets for the month – this needs to includes any money needed for holidays away, days out, maybe even school uniform/items. Make sure you have something allocated for treats.
    Once you have done your budget you then need to pay any surplus to your debts or savings.

    Done. I had an extra £153 from overtime this month so a bit more to play with.

    £850 straight into joint (OH will match this) - this covers all bills/direct debits and food. £275 for food (this includes alcohol). £50 'entertainment' money - This is extra treats money. Hope we don't touch it but I'd rather allocate it out than not for peace of mind.

    £200 straight into wedding fund

    This leaves me with £347. £100 straight onto credit card (I have done this and updated my signature). £25 on credit card min payment leaves me with £222. £50 on petrol for the month, £50 on new clothes (both of my jeans now have inner thigh holes - I've worn them out. I think it's safe to say my want has turned into a need as now I have no jeans at all!!) That leaves me with £24.40 per week for personal spending money - bit I'll call it £20 per week and keep it at that.


    Use (Up) – we are going to try and use up as much as possible, whether that is clothes/food etc. Do you need new clothes for holidays or will your current clothes be suitable? Do you need those sparkly sandals when you have a similar pair in the wardrobe? Do the children need to replace all school items/clothes or can some from last year be reused?

    Will endeavour to use up the food in the freeezer this month and eat from cupboards as much as we can.

    Gratitudes – each time you post I would like you to post at least 3 gratitudes.

    Will do (from tomorrow)

    Upcoming (holidays) – what plans has everyone got for August? If you haven’t yet decided and are worried about keeping the kids entertained then now is the time to plan the month. Get yourself an A4 piece of paper and draw 31 squares and start filling in the days.
    Free activities are preferred - can we all share some tips?
    is there a friend or family member you haven’t seen for a while – plan a catch up with them.

    No holidays here until after the wedding!

    Spends – we will have 15 NSD’s (unless you want to set a separate target).
    Medical spends or days when the only purchase is reduced items do not count as spends.

    15 NSD target set! I can do this!

    Time (for yourself) – make time for yourself this month, I know its hectic for a lot of people so take time to have a coffee in peace, a bubble bath, indulge in a good book, do some colouring or something else that takes your fancy.

    I have some wedding things planned this month - cake tasting. Will make sure I have a bubble bath and relax.

    The challenge will run from 1st August 00:01 until 31st August 00:00.
    December grocery challenge £136.56/£250 | December NSD 4/15
    Credit Card 1: £145 (0%) | Credit Card 2: £2,256.06 (0%) | Credit Card 3: £787.60 (0%) Car Finance: £7,865 (7.9% APR) | Mortgage: £111,363 (3.99% APR)
    • cuddlymarm
    • By cuddlymarm 31st Jul 17, 9:31 PM
    • 1,089 Posts
    • 4,935 Thanks
    cuddlymarm
    Hi EE and all challengers

    I aim to have 15 NSDs, food budget of £120 for the month and to use up as much as possible. I am wearing up my biggest clothes as much as possible then when they are baggy sending straight to the charity shop.
    It's my birthday this month so one weekend I probably will be eating out but apart from that a budget of £10 per week for treats and extras.
    Any spare money will be squirrelled straight to pay off our next years holiday and on a cash card for our holiday this year.
    I aim to walk at least 4 times a week ( living near the sea means really relaxing walks) and have an afternoon nap if I feel I need it.
    Anyway that is my plan for the month.
    Have a good month everyone
    Cuddles
    • bizzie
    • By bizzie 31st Jul 17, 11:31 PM
    • 110 Posts
    • 1,266 Thanks
    bizzie
    Hello. Can I join in as well. Will post my targets once I've decided what figures to aim for.
    Groceries 211.63/400 Personal Spends ....../100
    NST December #29 NSD 6/15 @ 12/12/17
    Goals for 2017: Balance in
    Self: Health: Wealth :
    • Munchin
    • By Munchin 1st Aug 17, 6:12 AM
    • 2,116 Posts
    • 6,265 Thanks
    Munchin
    Hi, I would like to join again please.
    • Eager_Elephant
    • By Eager_Elephant 1st Aug 17, 7:56 AM
    • 4,117 Posts
    • 22,842 Thanks
    Eager_Elephant
    Sorry I didn't get on last night, met up with a friend, ate something I shouldn't have and have been ill.
    Now off to work so will catch up tonight and add people to the list.

    Thanks everyone for joining me for August
    Ninja Saving Turtle No. 15 for November
    NSD - 1/15
    (up to 01/11/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • crazy_cat_lady
    • By crazy_cat_lady 1st Aug 17, 8:29 AM
    • 3,374 Posts
    • 28,943 Thanks
    crazy_cat_lady
    Morning all and happy Sextilis!
    LCC - sorry about your costly start to the month. I had to pay £320 on tyres and brakes for the car last week. Hope the furry friend is on the up.
    I kind of feel raring to go after being awol for most of June and July so I'm declaring early on. August is always a really big month for me as me and the kids are off school. Hence why I do my exam marking, so I have extra money in the budget to play with... I am looking forward to the month ahead though.

    Rules:

    Allocate – set your budgets for the month – this needs to includes any money needed for holidays away, days out, maybe even school uniform/items. Make sure you have something allocated for treats.
    Once you have done your budget you then need to pay any surplus to your debts or savings.

    I have quite a bit coming up this month. I'm in London with work at the moment, then have 2 breaks away with the family, plus it's my wedding anniversary and the kids have also begged for a trip to Flamingo Land.
    Plus dd's school have an entire new uniform that is going to cost me over £100 and ds is growing so quickly he will also need new uniform this year. That's before I even consider school shoes.

    Use (Up) – we are going to try and use up as much as possible, whether that is clothes/food etc. Do you need new clothes for holidays or will your current clothes be suitable? Do you need those sparkly sandals when you have a similar pair in the wardrobe? Do the children need to replace all school items/clothes or can some from last year be reused?

    See above re school uniform. My school are also going to a new uniform but everyone got a free tie and a half price jumper. None of that luxury from dd's school... We've just done a massive declutter of the house last week - I hired a skip and everything so the only use ups required are food based. We have plenty everyday clothes and shoes - just school stuff to sort.

    Gratitudes – each time you post I would like you to post at least 3 gratitudes.
    I am grateful today for:
    The sun shining and me already sorting out most of my London stuff so I can enjoy the next 2 days without fretting about stuff needing to be done.
    Getting really nice food without having to make it
    Being away from home so I don't have to do any housework

    Upcoming (holidays) – what plans has everyone got for August?

    We have lots of plans:
    2 days in the Lakes
    4 days in Yorkshire
    A day to Flamingo Land (using 2 for 1 tickets)
    As I say, my exam marking helps to pay for this. Other than that the kids are quite good at finding their own entertainment. We have Now tv so like to sit and watch a film or box set together if the weather isn't great...


    Spends – we will have 15 NSD’s (unless you want to set a separate target).
    Medical spends or days when the only purchase is reduced items do not count as spends.

    Not sure I'll manage this at all, but if I don't try I don't know. Might get a nsd today as my spends are all reclaimable on expenses, and although I'm going out tonight I'd bought my ticket already.

    Time (for yourself) – make time for yourself this month.

    Definitely getting back into my love of crochet. I've had a manic couple of months and spent the first week of the hols decluttering the house. Now I'm away again with work so I'm determined that August will be a relaxing and replenishing month.

    Enjoy everyone!
    RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • thriftylass
    • By thriftylass 1st Aug 17, 10:10 AM
    • 3,117 Posts
    • 25,654 Thanks
    thriftylass
    Good morning,

    bit of a speedy day yesterday (but it was still July ). Paid car tax and bought the kids a bunk bed. Their room is really small and in the eaves. At the moment they both have a toddler bed (70x 140 cm) but with DS being 6.5 it was time for a bigger one, plus they take up most of the floor space. Found a shorty bunk bed (83X183, smaller than a single) that will just about fit behind the door and free up "loads" of floor space and two mattresses.

    No spends expected today. Salad for lunch and a short bike ride.

    Today I'm grateful for
    *DH keeping his cool when DS had a ragey this morning and I nearly exploded too
    *being able to focus much better at work today
    *the rain watering my plants
    * a friend lending me his mountain bike for a race

    Also got my latest energy bill. We're only using about £50 a month now but still pay £86 by DD. Was about to change our DD but will leave it and built up a buffer for winter.
    Last edited by thriftylass; 01-08-2017 at 10:53 AM.
    NST Nov 6
    SFD 3/20 spends 401/625 (98/200 xmas)
    Exercise 5/20
    Debt - all 0% 1000 to go from 5290 (80% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • beanielou
    • By beanielou 1st Aug 17, 11:49 AM
    • 49,031 Posts
    • 181,999 Thanks
    beanielou
    Count me in.
    This is all new to me(apart from NSD's) so will be baby steps
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • thriftylass
    • By thriftylass 1st Aug 17, 11:56 AM
    • 3,117 Posts
    • 25,654 Thanks
    thriftylass
    I just did the maths and it's only 6.5 months to the big 40 and I decided that is the ultimate date to be debt free and have a savings cushion rather than 09/17. Off to do a number crunch and rejig.
    NST Nov 6
    SFD 3/20 spends 401/625 (98/200 xmas)
    Exercise 5/20
    Debt - all 0% 1000 to go from 5290 (80% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • Calling14
    • By Calling14 1st Aug 17, 2:27 PM
    • 2,515 Posts
    • 18,656 Thanks
    Calling14
    It's August so Hey Ho must do better than last month.

    Today's positive steps

    Paid 50 pounds off my debt
    Cleared this month nightmare credit card bill (546 pounds) emptied every account rather than pay any interest. (remains of car repairs on it)
    A SFD has happened I have no choice no money anywhere now. SFD 1/15.
    Dinner from freezer remains of home made veggie lasagne still going strong.
    Determined to get some steps done today yesterday only managed 7,400. I was so tired after busy weekend.

    Grateful for
    New work computer arriving hopefully Friday.

    Only putting on 1lb considering all cakes ate over weekend, Will disclose my weight now heaviest even been to shame me into losing weight this month. 13st 1lb
    Going to collect new Baywatch red swimming costume paid for last month after work - may spur me on to being a fittie.
    LBM 13039 1.1.13 NOW £990
    PAYDBX 2017 #16 £3310 /£4300 DFD 12/17
    E
    Fund #9 £100/£1,000
    1 x 100 days challenge £1567/2000 ends 29/12/17


    • better_times
    • By better_times 1st Aug 17, 3:35 PM
    • 67 Posts
    • 227 Thanks
    better_times
    Rules:

    Allocate – Budget set which includes school uniform and holiday spends, £600 paid off loan

    Use (Up) – Working my way through freezer/fridge/cupboards, allocated £50 for this month for milk and fresh fruit/veg which will not be bought until all the frozen has been used. I do need washing powder and conditioner this month but I am going to trial soap nuts this month too as a new thing to try


    Gratitudes

    I am grateful for a job I really enjoy
    Having time this month as I have three weeks off from my night job to knit some of my Sudoku blanket
    For my daughter growing up into a beautiful kind young lady .

    Upcoming (holidays) – We are off to a caravan for a week me DD and bear (the dog) I will pack lunches and cook at night to keep the costs down


    Spends – we will have 15 NSD’s (unless you want to set a separate target).
    Medical spends or days when the only purchase is reduced items do not count as spends.

    Time (for yourself) – I am going to knit my Sudoku blanket and watch 3 films I have been meaning to watch on Netflix
    Sealed Pot Challenge 441
    Loan £35,000 February 17/£30845.78 to date
    Step Change £12908.56
    Rent £565.95
    July focus Food

    • Toni'sfriend
    • By Toni'sfriend 1st Aug 17, 4:46 PM
    • 703 Posts
    • 9,646 Thanks
    Toni'sfriend
    NSD No 1

    Breakfast lunch and dinner for all three of us from from freezer/store cupboard/vegetables we already have. Same tomorrow. All healthy I have done a stock take of the fridge and both freezers. The amount of food we have accumulated is really ridiculous. I’m going to have to be very inventive to use this lot up.

    I weighed myself so I now know where I heading and it’s a scary thought. However I think that losing weight will help with the minor health issues. With that in mind my repeat prescription has been put into health centre so I don’t run out and I’ve organized all my medicines in a box in the drawer of my bedside cabinet so I don’t forget to take them. Other problems (dry skin etc) can be sorted if I stick to using lotions which are also now in a separate box in said drawer.

    Made a hairdresser appointment for next Tuesday. That should make me feel better and it can be Tuesday’s treat.

    Today’s treat - I’m going to give myself a facial before I go to bed.

    Today I’m grateful for:
    Getting everything back into the freezers after taking it all out. For one moment I thought I wasn’t going to manage it.
    An email from C’s friends. At least it shows that they want to keep it touch.
    Indiana Jones and the Legend of the Crystal Skull.
    • LD_13
    • By LD_13 1st Aug 17, 5:01 PM
    • 21 Posts
    • 221 Thanks
    LD_13
    Hi, can I join in too please.

    I'm heading back to college next month so I'm trying to get myself organised for student life. I finish up full time work next Friday, cutting down to 2 days a week until November.

    Rules:

    Allocate – set your budgets for the month – this needs to includes any money needed for holidays away, days out, maybe even school uniform/items. Make sure you have something allocated for treats.
    Once you have done your budget you then need to pay any surplus to your debts or savings.

    Payday yesterday so I have already allocated my budgets and paid towards my debts. I have expenses due mid month from work that will go straight to my visa. I struggle to stick to my food budget (£100 for one person, it's plenty but I end up buying stuff I don't need or splurging on toiletries with it - that all stops this month!)

    Use (Up) – we are going to try and use up as much as possible, whether that is clothes/food etc. Do you need new clothes for holidays or will your current clothes be suitable? Do you need those sparkly sandals when you have a similar pair in the wardrobe? Do the children need to replace all school items/clothes or can some from last year be reused?

    I have a freezer full of meat to use up and so many toiletries that I could open my own branch of Boots. No new clothes needed at the moment.

    Gratitudes – each time you post I would like you to post at least 3 gratitude's.

    Might as well start as I mean to go on.
    1. I'm grateful that the crazy rain here will have sorted out my plants and veg.
    2. I'm very grateful for the delicious cupcake I had earlier courtesy of a kind supplier.
    3. That I got a seat on the train this morning.

    Upcoming (holidays) – what plans has everyone got for August? If you haven’t yet decided and are worried about keeping the kids entertained then now is the time to plan the month. Get yourself an A4 piece of paper and draw 31 squares and start filling in the days.
    Free activities are preferred - can we all share some tips?
    is there a friend or family member you haven’t seen for a while – plan a catch up with them.

    I have an overnight stay in London later this month. Accommodation is free as staying with a friend, show ticket was a gift and my train is paid. I have £68 spending money so far and plan to cash in my tin of coppers for the rest, I think there is about £40 in there.

    Also have an overnight in Glasgow this weekend but B&B cost and spends have already been allocated in my budget.

    As I'll only be working 2 days for the last 3 weeks of August I'll have a lot more time on my hands before college starts. I plan to read, get out walking (training for a mountain climb at the mo), finish painting my garden fences and see family / friends. I have no real need to be out spending money.

    Spends – we will have 15 NSD’s (unless you want to set a separate target).
    Medical spends or days when the only purchase is reduced items do not count as spends.

    This will be a challenge for me but I'm up for it.

    Time (for yourself) – make time for yourself this month, I know its hectic for a lot of people so take time to have a coffee in peace, a bubble bath, indulge in a good book, do some colouring or something else that takes your fancy.

    I've already decided that Tuesday nights are for me, bath with hair & face masks and an early night. I have a ton of beauty products in the cupboard so no need to buy anything for this.

    I also have a spa day booked later in the month, half price voucher paid for with birthday money.
    Visa - £368.99, Car loan (dad) - £3,690
    NSD - /18
    Food shop - £3.60/£100
    Super September Scrimper No. 28
    • Fmess
    • By Fmess 1st Aug 17, 6:13 PM
    • 2,574 Posts
    • 24,346 Thanks
    Fmess
    Hi all,

    I am going to make a real effort to get back in to posting daily this month, whilst I am off and have no excuses.

    Rules:

    Allocate


    Budgets this month are:-
    Food - £120 (I used to have £100 but I have found trying to lose weight costs more money)
    Petrol - £80 (although this may need to be extended, I'll explain in a minute)
    Entertainment/misc - £400 (this is much larger than usual for several reasons, it includes new winter boots for school (planning ahead), chiropractor, slimming world membership, sister's birthday present, haircut, a meal out with friends and a facial, as a treat for exam marking for the last 3 months).


    Use (Up)

    I am not going away but have just bought two new dresses for when I go back to school in September, hopefully then I won't need any more work clothes until next summer!

    I will try and use up some more of the random items in my food cupboard.

    Gratitudes


    Today I am grateful for:
    - getting unexpected work during the summer holidays
    - free pizza and doughnut at above work
    - getting to work with my mum
    - a good vets visit with a proactive plan for moving forward

    Upcoming
    A few days out planned with teacher friends and a spa trip planned with my mum This has been paid for and the day trips should be cheap.

    Spends – 15 NSDs

    Time (for yourself)

    I will definitely have time for me this month

    Last edited by Fmess; 01-08-2017 at 6:24 PM.
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New Car and Roof Debt £0/£19033
    DecNST #2 SFD 0/15 Food 65.06/120 Personal 91.34/350 Petrol 40.01/80
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