Another new day to add to July: The No Spend Day

fedupandskint

NSD today No 11 - 1 more to go which will be tomorrow

Thinking about Aug target now - maybe 13 or 14 (hmmmm, can I do it????)

butdoineedit?

Wow well done to everyone meeting their targets, you've all done so well!!!! :T

Number 13 for me today :j even gave up the pub tonight so i have a chance of making it!!! (thank goodness for the wine box )

Think i have just turned up the wattage on my lightbulb, after realising that my balance transfer rate on 1 of the credit cards has ended & interest is now 22% :mad:
Am going to start with not social smoking when i pop to the pub anymore, & i'm not buying any groceries (apart from fruit & milk) until i've used up everything i've got (why oh why do i buy fresh veg every week when i've got a ton of frozen in the freezer???? )

I've also downgraded the kitchen plan, if i have normal cupboards instead of the fancy wire draw ones i'd picked i can pay a bigger chunk off the expensive credit card, & i'm going to get a lodger as soon as the kitchen is done & the downstairs is habitable :eek: this is something i've been debating for ages & as much as i don't want one because i love my own space it's got to be done, because £300 extra on debt repayments is massive....

Plan for tomorrow, check my utility bills are the cheapest & downgrade my life insurance (i know i shouldn't bother with it at all as i have no dependants, but my mum is useless at looking after herself & i owe my dad so much for making this house purchase possible that i feel i should leave them something in case i die young :eek: just not as much as i have been planning & it's really stupid to have a huge figure for the length of my mortgage as my debts WILL NOT last that long!!)

Right the new improved MSE BDINI is going to wash the pots & head for bed :A please kick me up the a**e if i slip up on this, it has to be done!!!!

Wee_Jo

butdoineedit? wrote: »

Think i have just turned up the wattage on my lightbulb, after realising that my balance transfer rate on 1 of the credit cards has ended & interest is now 22% :mad:
Am going to start with not social smoking when i pop to the pub anymore, & i'm not buying any groceries (apart from fruit & milk) until i've used up everything i've got (why oh why do i buy fresh veg every week when i've got a ton of frozen in the freezer???? )

I've also downgraded the kitchen plan, if i have normal cupboards instead of the fancy wire draw ones i'd picked i can pay a bigger chunk off the expensive credit card, & i'm going to get a lodger as soon as the kitchen is done & the downstairs is habitable :eek: this is something i've been debating for ages & as much as i don't want one because i love my own space it's got to be done, because £300 extra on debt repayments is massive....

Plan for tomorrow, check my utility bills are the cheapest & downgrade my life insurance (i know i shouldn't bother with it at all as i have no dependants, but my mum is useless at looking after herself & i owe my dad so much for making this house purchase possible that i feel i should leave them something in case i die young :eek: just not as much as i have been planning & it's really stupid to have a huge figure for the length of my mortgage as my debts WILL NOT last that long!!)

Right the new improved MSE BDINI is going to wash the pots & head for bed :A please kick me up the a**e if i slip up on this, it has to be done!!!!

Hope you're okay, BDINI, you sound a wee bit down You have done so well with your NSDs so you can be proud! :T

butdoineedit?

Jo_Rourke wrote: »

Hope you're okay, BDINI, you sound a wee bit down You have done so well with your NSDs so you can be proud! :T

Aww thanks Jo, not really feeling down, just realistic, think i gave myself permission not to try in certain areas just because i've been getting NSD's & my SOA now only leaves me 71p over at the end of every month, so just gathering up my determination to do better. The support here is amazing though & i know it will get me through & sorry but i couldn't wait till Wednesday, had to hit the wine tonight :beer: (good job i'd already paid for it!! )

Wee_Jo

butdoineedit? wrote: »

sorry but i couldn't wait till Wednesday, had to hit the wine tonight :beer: (good job i'd already paid for it!! )

Good for you, BDINI!! :beer: Just for you I will come up with another nickname for it....here's to Muddled Monday!

IF

Good evening all :hello:

Spoony 12th NSD please. Was very good today!!:j

cw18

Today was a D/Debit day for me - so no NSD to add to my total

So I also picked up milk (should have made it to Thursday, which is next D/Deb day, but got a good offer in Mr M ), ice-cream (DS finished the one I bought on Thursday before I got home on Sunday evening :eek: ), a tub of mini flapjacks (reduced from £1.99 to 19p as a lot of the label was missing along with a lot of info that has to be present for customers, so staff only sale), and condensed milk and digestives so I can try making the florentines this week.

Have also ordered a new set of headphones for my iP0d, but haven't yet decided whether to charge them to my 'keep fit' budget (they're a "sport" type) or my general budget (which seems more appropriate given the output to the right ear on all my current headphones is on the blink, and it's definitely the headphones rather than the iP0d as I get the same problem if I plug them into my laptop, so will be using them for general day-to-day use as well )

solventsoon

jintyb wrote: »

Just back from shopping - stocked up on a few bits, got my rose bug spray, plus I succumbed to a hanging basket in BNQ.:)
DH and I had a "meeting" last night and we decided to ease up just a little on our savings regime. It was getting to the point where it was getting a wee bit depressing saving every mortal penny and not strictly necessary. So while this decision doesnt mean wild spending, we are still paying off our debts and covering all our bills,
it does leave us at little leeway for small treats - like a hanging basket.;)
We dont drink or smoke and we're not big on going out so I feel the odd SMALL treat wont hurt. I'll still be sticking to my NSD and GC though, it's too much of a habit to give up now! :rotfl:
Does this make sense?

I better go and eat something before I keel over - hope your day's are going well:)

Perfect sense, jinty, we all need a little treat occasionally otherwise life becomes very dull - emphasis being on "little" and "occasionally", otherwise we all end up back where we started. Hope you enjoy the hanging basket:)
spoon x

solventsoon

Hi lovely NSD gang :A
Record Monday today for you lovely people, huge number of targets being smashed today, well done everyone, and lots of NSDs rolling in. :j

Targets made today:
jintyb: :j well done - 15 NSDs achieved now, that’s brilliant, kitty is dancing your way now.:j Increasing your target to 17 - well done for being brave, you can do it, Johnny is waiting;)
Glad you had a relaxing day yesterday, lovely surprise at your sister’s invitation. Re a pressie - silver photo frames are always good, or some champagne/sparkling wine and nice choccies go down well - will put my thinking cap on for you.
Knitting is going well I see:)
BigMumma: :jyay, target of 17 done and dusted now, little kitty is dancing her way towards you right now. :j Can’t beat a virtual kitty, no hairs, no sneezing, no food to buy, no vets bills - perfect.;)
Increasing your target now to 20 - Johnny is waiting:)
Surfbabe: :jwell done - 10 NSDs achieved now, that’s brilliant. Little kitty is dancing your way now, but she does need to be looked after.:j
Do you want to set a new target for the rest of the month and aim for Johnny Depp, or are you happy to just get as many as you can and settle for a refillable champagne bottle:)
Keiss 21: :jyay, 12 NSDs done and dusted now, that’s brilliant, little kitty is heading your way now, well done:j
Increasing your target to 15 as well, good luck, Johnny is waiting;)
Jo_Rourke: fingers crossed for today, kitty is waiting. :jAnd you made it, yay, 11 NSDs are now yours and little kitty is dancing her way over to you right now - brilliant. :j Let me know if you decide to increase your target to get Johnny, otherwise the refillable champagne bottle is yours:)
candyapple: :j yay, 14 NSDs, target no 2 smashed and Johnny is all yours - brilliant, well done. :j Treat yourself to some milk tomorrow, you’ve definitely earned it:)
Let me know if you decide to increase your target to get the funky chicken, otherwise the refillable champagne bottle is yours:)
LadyfromVenice: :jyay, 15 NSDs for you, that’s brilliant. Little kitty is dancing your way right now :j- not sure how she’s going to get on with your kids though.;)
Increasing your target to 18 now, Johnny is waiting:)
Looloo: :jwell done for nos 13 and 14 - target no 2 is well and truly smashed now and Johnny is yours.:j Fingers crossed for some more this month as well:)

Well done to:
:jHannah_10: welcome back and well done for the 3 NSDs you have so far - brilliant! Adding your target of 4 to the front page now, good luck with the final one:)
:jwebitha: well done for getting to no 10 - double figures is great. You’ve had a really busy month with birthdays so you’ve done well to get to 10.
Re the £20 - definitely claim an NSD, you’re not spending your money after all:D
:jkatenut: well done for no 13, only 2 more to get now, keep going
Update: and well done for no 14, nearly there now.
Glad you had a good weekend, some time to yourself by the looks of it, that’s great.:T
:jTrinny: well done for no 6, you’re doing brilliantly, nearly there now, keep going:T
:jslowlyfading: well done for no 14, you’re making good progress there
Update: and no 15 today, you’re on a roll now, only 3 more to get now, keep going:T
:jchris81418: well done for no 18, only 1 more to get now, brilliant. :T
Hope you got some deodorant today, people might be giving you a wide berth otherwise:rotfl:
:jifwishes: well done for no 12 yesterday, you’re doing brilliantly, 2 more to get now for Johnny
And thanks:o... really pleased with myself
Update: and well done for no 13 today, 2 in a row - brilliant. 1 more to go to get Johnny:T
:jTixy: well done for nos 8 and 9 (good job one of us knows what you’re doing:rotfl:) 1 more to get now, nearly there:)
:jfi76: well done for nos 5 and 6, you’re doing great. Fingers crossed for another couple for you:)
:jNargle: increasing your target to 12 now, watch out Jack Sparrow, Nargle’s on your trail:rotfl:
Update: well done for no 11, Jack is definitely getting worried now;)
:jkarenccs67: well done for no 12, you’re doing great, only 3 more to get now:T
:jkathy40uk: well done for no 18, you’re doing brilliantly, only 2 more to get for Johnny
Glad you had a good time yesterday evening:)
:jSmilerwoman: well done for no 8 - that’s brilliant, hope you’re not aching too much from all that jumping around. Fingers crossed for tomorrow, you’re really sounding very organised now - yes, you will do it:T
:jCraigLoans: well done for no 11, only 3 more to get now, you’re doing brilliantly. Fingers crossed for no 12 today:)
:jFirewalker: well done for nos 13 and 14, you’re doing brilliantly, only 1 more to get now, keep going:T
:jboultdj: and OH made your supper, that’s great. Meal out during the week would be good and something to look forward to, glad you enjoyed your birthday
Update: well done for no 17, target well and truly smashed now and the bottle filled up again. Glad kitty has made herself at home - is she drinking your champage, naughty kitty if so, she’ll be staggering, not dancing:rotfl:
:jkatholicos: well done for no 18, you have had a brilliant month, that’s fantastic:T
:jfedupandskint: well done for no 11, you’re doing brilliantly, 1 more to get now. Fingers crossed for tomorrow
Yes, you can do it in August - go for it!:)
:jBDINI: well done for no 13, you’re doing brilliantly, only 3 more to get now, you can do it:)

And hello to everyone else:
moneypenny2k: never mind, get as many as you can for the rest of the month and start again in August, you’ve had a busy month so you’ve done well under the circumstances. Keep going:)
Soma: hope you enjoyed your weekend away, fingers crossed for your target this week:)
cw18: more organised spending going on in the cw household I see - DS appears to have moved from milk to icecream now. Oooh, more florentines this week, getting quite a taste for them now:rotfl:.
Hope you had a good weekend with OH:)

I managed to get no 20 today, so very pleased with myself:j. I did actually go and spend some money today but only printer paper and a new highlighter and they’re both for work so don’t count. I did mange to avoid the unnecessary spends I was thinking about so pleased with myself for that as well.

Off to do the usual update now, see you all tomorrow.

‘night all
spoon
x

solventsoon

Nargleblast wrote: »

Are we having a celebration at the weekend? Those who are not at Wol's place of course, although some naughty NSDers might gatecrash it in a virtual (not virtuous) manner....? Come on, folks, we missed Big M's one-woman French invasion so let's celebrate our achievements for July......suggestions please (and don't be filthy).

Hi Nargle
Yes, I think we should have a celebration this weekend - we've all done brilliantly this month and need to let our hair down a bit.

We could do BDINI's back alley:D with the chavs, or another seaside outing as it's supposed to be summer..

What does everyone else think - any ideas/thoughts?

spoon
x