Elbereth's debt free challenge

jo1972

Having haircut is an essential to look decent and feel better

Hope you enjoyed your night out x

elbereth

Well am hoping for my first no spend day in november today as the weather is miserable and am a bit hungova after halloween party last night! So doubt I will be leaving the house! Have signed for 12 NSD's in November which will be a real challenge but have bought loads of stuff for lunches at work so those are the days where I reckon I can keep the purse closed!!!!!

In fact am £9.38 in credit as got an email from quidco saying my cashback will be paid and I didn't realise I had anything coming!!!!!!!!!

:jElbereth:j

elbereth

yeeeeeeeaaaaaahh!
My ebay item sold so that is £7.52 profit.. hoooooray.... although I would love to put this towards debts I am already stretching myself this month having paid off whole balance on my credit card so this is just going to go into my current account for general spends xxxx scouting around to see what else can sell now xxxx
:jElbereth:j

elbereth

yeah! 8.5 miles on exercise bike and the jovis on x factor!

:jElbereth:j

savingholmes

nice to see you are still sticking with it!

elbereth

Well signed myself up for 12 NSD's this month and so far have done three! Am chuffed to bits! Had a little slip yesterday as needed to put my share into tea kitty at work, a few essential toilettries and then ended up getting chocolate! Not a budget breaker but its like once you open the purse the money just jumps out!!!!! Anyway also sent my first ebay sale off so that was a small cost too!

Weirdly am starting to get very excited over not spending
:jelbereth:j

elbereth

Had a bit of a slip yesterday and didn't make a lunch for work so ended spending in the canteen at work! Shock horror I know! I feel quiite guilty about it! Where as a month ago I really wouldn't have thought twice about it!

Today is set to be a bad one for moneysaving as meeting some friends for lunch and then off out on a hendo. Really looking forward to catch up with old friends though and I have budgeted for this!
Hooray!
:jelbereth:j

jo1972

Have a great day

elbereth

Finding the money saving so hard......... have cut back a lot and thinking alot more about where the pennies are going but really could cut back alot more if I tried harder... must try harder!!!!
:jelbereth:j

elbereth

Was hoping for a NSD today but ended up spending booo! It was only a very small spend £1.50 but so far have only managed 3 NSD's this month!! Feeling a bit worried about work stuff which is never good especially as am off this weekend and I really should be enjoying spending time with me boyf.. hes watching the football at the moment!!!
Hope everyone is having a good weekend!!


:jelbereth:j