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Another new day to add to July: The No Spend Day
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Good morning everyone!
Welcome back Spoon - we missed you! Yesterday was NSD number 12 for me - YAY!! Unfortunately I only have £60 to last me until the end of the month and I still haven't done a big food shop which is still on the cards - at least that should help me reach my NSD pledge!
Enjoy the rest of the weekend everyone!:money: Proud to [STRIKE]be dealing with[/STRIKE] have dealt with my debts! :money:
DFW Nerd #1256, WSC £?/£? for w/c 03/03/2013, NSD ?/19 for 03/2013, Long Hauler #196
highest debts: 01/06/2006 £69,023.92 _pale_
debt free date: 31/12/2012 £0!0 -
Hi all
Not had a chance to catch up so hugs to those who need them and well done to those that have achieved.
I've not had a nsd all this week :mad: Been in too much of a flap. I've been offered the job in Guernsey and now don't know if I should take it or not. The island is very small and as a townie born and bred I don't know if I would take to the life or not. Hence been in a big flap.
Going to try and make up my shortfall of days next week
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Morning all -
welcome back Spoon - hope you've recovered from your busy spell, it's not the same on here without you!:A
Stuck to our shopping plans yesterday, goody cupboard well and truly stocked up! DH paid for that, but I stumped up for the coffee and bacon rolls, so no NSD. Never mind, they were bloomin good and I enjoyed it!:D Spent the rest of the day avoiding the rain and watching the golf.
Hopefully today we'll get a bit of gardening done, it's a wee bit neglected due to the weather. Also going to Mum's to catch up with them, plus I need to get my baby cardi finished so I'll be knitting later. I've been too busy reading to knit! The baby is due in 5 weeks so I should manage it!;) Not planning on spending any dosh!
Hope you're all well today - have a lovely day everyone!:)
you will always be rich enough to be generous.0 -
Morning
Had an unexpected NSD yesterday. I was all set to go to the shops for my usual Saturday spend, looked around and realised I didn't actually need anything!
So that was no 5...halfway there...somehow.
August Shopping Challenge. 26/8. Budget £250 Spent £256.81.. £6.81 over. So £0.00 a day left.0 -
Another NSD to mark in for me spoon that takes me up to #9.Car Loan [STRIKE]$4471.47[/STRIKE] $1,254.70, CC1 Approx $4900, CC2 $108.00, HECS (student loan) $26,213 Total Debt - [STRIKE]$35,712.76[/STRIKE] $32,475.70DFD - September 2014Savings: Not smoking pot $397.98 (16/7/10), House Deposit $11,925.24 (16/7/10)Savings Total - [STRIKE]$12,013.06[/STRIKE] 12,323.22NSD Challenge June: 15/15 July: 9/120
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Reporting NSD number 5 today, having a big Sunday lunch and playing on the wii fit. So no chance to go out and spend. Am half way to my target so quite happy.Barclaycard 3800
Nothing to do but hibernate till spring
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moneypenny2k wrote: »Been in too much of a flap. I've been offered the job in Guernsey and now don't know if I should take it or not. The island is very small and as a townie born and bred I don't know if I would take to the life or not. Hence been in a big flap.xxx
Is the job one you really want? If so, then perhaps it is worth taking a chance on moving there, you never know, you may love island life! It is a big step though...have you been to Guernsey at all yet? Perhaps you could get yourself over there to see what you think.
In these days when jobs that are few and far between, it seems like a great oportunity. You have a lot of thinking to do!!!
Hya everyone :wave:,
Just been totalling up my holiday spending...not too bad really, and well within target...so far! Managed to pick up 5 NSDs on the way too, so now at 7 NSDs for the month, with 5 to go...should do that in the remaining 13 days, I may even manage to increase my target!!!!
Saved a fair bit by not getting to Orkney in the end...DH had S&D for all of last weekend, so we had to cancelMind you we have had all our money refunded, which is great!! :j This meant a few more days at my dad's, so DS2 and I got loads more weeding done....now I am back, I have to do my own!!!
So not the most restful of holidays, but it was great to see MIL on our way up and down and then a full week at Dad's...not seen him since Aug 2008, so great to hug him again. Also caught up with my other sis (strained relations in the past), and we got on fine (best in years!!) DS2 and DNephew got on well too, which was good.
Done three loads of washing so far today, and may do some more, though the rain is threatening. Need to do a stock-take of all freezer, fridge (cleaned out this morning too) and cupboards so I know what we have...DS1 and GF have been here for a few days, so I have no idea what's where!!
Will try to catch up with all that has been going on here, but still loads to do here at home.
Oh I have missed you all...it's good to be home!
13 projects in 2013: 7/13
Cross-stitch Club Member no 13
Weight loss since 24/06/2012: 30lb
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moneypenny~Great news on job offer.
Hope you reach the right decision for you.
spoon~Thank you so much for all the very hard work you do on our lovely thread.
Looking forward to signing up for AugustI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
thank you Spoon.
Went for dress fitting today and got a bottle of wine on the way back... Bad lapse.
Gonna have difficulty the next couple of weeks.
Two weekends coming up with major spend but have budgeted for them from separate stash
Next week is High Voltage festival with ZZ top, Heaven and Hell and Scorpion amongst others. Any metalheads here? The next weekend is Sonisphere. Iron Maiden, Alice Cooper, Rammstein, headliningSealed Pot challenge 3 - #969
20ps and £2 coins and other bits.
July grocery challenge £167.40/£175
NSD challenge July 9/100 -
Well done on the job offer Moneypenny, and yes Rentawitch metalehead/rocker here so jealous your going to see ZZ Top, have a good time. Well after essental beer day yesterday have to report I'm in a better mood and got another nsd to boot. I think that make's 10 but I'm not sure:o,think I'm starting to go senile or just in need of my week off work.£71.93/ £180.000
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