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The octosyllabic October NSD challenge
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Hi all,
Did well last month, managed a few more, going to be brave this month and go for 15!!
Had my 1st one todaystart as i mean to go on!!
was Proud to be dealing with debt! LBM 12.09.09 [STRIKE]£23,157.76,[/STRIKE] 28/03/11 £12.827.07:eek: Not quite sure on debts now as kind of gone by the wayside but back on form now! Will edit as i figure them out
Hsbs CC £5313.73 Overdrafts (3) £3173.84, Marks and spencer CC £0AA CC £3400.18
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Could you put me down for 10 please Spoon?DFW Nerd 941 Proud to be dealing with my debt
August GC £0/£3000 -
Oh & I had my first NSD of the month today.
Catch you all later & wishing you all lots of NSD'sI 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 -
Nargleblast wrote: »Spent a fair bit of dosh today (replacement school blazer and tie for DS who has the nerve to keep growing). Also meat supplies, enough for a couple of weeks' meals so I don't have to think too hard for meal ideas. Cupboards stuffed full after this week's major Mr S delivery, so have plenty of supplies for baking things. Hoping for a NSD tomorrow as I am at work, fingers crossed!
I believe a swift whack on the top of the head once a night helps stunt that annoying growth thing....it also becomes a lot cheaper if they then call childline to be taken away from mad mummy and the frying pan:rotfl:as they say 'never did me any harm in myyyy day'
Well an unexpected NSD to get me off the starting blocks :j was going to a) go to the car wash to use a voucher my mum gave me that is only valid until tomorrow but frankly couldn't be bothered today, b) popped to the market to see if they had baskets of sweet red peppers which they sometimes have for £1...and they didn't. so I resisted all lures of chips and yummy things in favour of saving my NSD (my friend did buy me a kit kat though which was lovely of her - I didn't ask for it...promise!)
Will be a spendy day tomorrow though. Going for big grocery shop with OH (although that will come from grocery budget) but then I need to go back into town to see if the market has those peppers, and to Mr W to get some ingredients for my chilli jam (mysupermarket actually showed them to be cheaper for some ingredients which surprised me). Will also whack the car through the car wash or mummy will tell me off for not using the voucher agiain
We also have a P*undland opening in town tomorrow (rival to the 99p shop - though i'll prob still shop there...it's cheaper :rotfl::rotfl:) might pop in, although I expect it will be HEAVING! its amazing how excited people get here when a new shop opens - it's not like I live in a small town in the middle of nowhere - it's just we have lots of empty shops and all the others become rather dull
Currenrtly have an apple and blackberry cake baking in the oven in my attempt to use up some more apples from my glut...this cake used an entire.....one! :rotfl:
ps BigMumma... don't worry about my sheepy shrinking in the wash.... it made a lovely pie:rotfl:
Feb 2015 NSD Challenge 8/12JAN NSD 11/16
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LadyfromVenice wrote: »I'm imagining...........Oh-Oh! Picture of Katenut on neddy, all I can see is neddy's tail and hind quarters doing the wiggle:rotfl:
Haha, believe me, my neddy's rear end can wiggle better than any girl in ritzys on a friday night!! She's well renowned locally for her 'on heat' behaviour - she's not allowed out in public at certain times of the month anymore! At least there is no saying about horses being like their owners.....
Anyway, on that note I'd like to declare NSD number 1 for October - I love getting the month off to a good start! Forgot my lovely dad gave me a bottle of wine for helping him move house last sunday so me and DH have enjoyed that tonight, along with whoopsied steak, cheap local lamb chops and home grown veg - who said DFW's couldn't live in style?! xxTrying to jump back onto the moneysaving wagon .... :cool:0 -
butdoineedit? wrote: »
LFV, lovely to have you back (((big hugs))))
As Brucie has just said (:T:TStrictly's back)
"Nice to see you, to see you nice"
Looking forward to all the shenanigans in October. I do believe we still have a pirate day to rearrange as well Spoon.
Hello to everyone joining us this month and ((big hugs)) for all the hugs and best wishes given to us this past week.
No NSD today due to expected DDs coming out of account, have to get the groceries over the weekend as well so maybe one over the weekend. Oh :mad: forgot to get karate money out of bank today. Must remember that for when I get groceries. Actually, I must remember to check what I DO need to get this month. Haven't a clue. Cheryl, can you sprinkle some of your organising dust over here please?I believe a swift whack on the top of the head once a night helps stunt that annoying growth thing....it also becomes a lot cheaper if they then call childline to be taken away from mad mummy and the frying pan:rotfl:as they say 'never did me any harm in myyyy day'
:idea:
**Rushes off to find the big pan hidden at the back of the cupboard**Life is knowing which bridges to burn and which bridges to build! :think:
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solventsoon wrote: »We seem to have a lot of people from the GC challenge joining up
*** wanders away trying to look as if she's no idea who that person might have actually been***
Welcome aboard to all the newbies
Great to see so many people returning for another month as wellCheryl0 -
Cheryl, I hope you've devised an excel programme to work this out for you every month
:rotfl::rotfl:
Yep!
My budgetting s/sheet has a calendar page - so the first thing I do is highlight the days I expect D/Debits to go out of the bank. Then I check last month and this month of last year to see if there are likely to be any other bills that aren't paid that way such as dogs jabs and window cleaner. Then it's a case of counting up the non-highlighted days, and making allowances for when there's a loooooong stretch of them that I'm unlikely to make without needing something I didn't think of (such as fresh fruit, milk or frozen veg).
And so I come to a target I think I stand a chance of achieving - though it all seems to hinge on Whoopsies
And speaking of Whoopsies - my second night this week on the close and clean shift, and the fish counter had tuna steaks on final clearance again !!!! I'm sooooooo not impressed, as it's months since they've had any make it past the 25% discount stage :mad: And today was a spend day (due to a D/Debit), so I could have bought other stuff - but ended up spending not a penny other than that D/Debit because of not being allowed to shop while clocked in any moreCheryl0 -
:hello:
Hi all new, regular, nearly regular and stalwart NSD'ers xxx
Gosh Spoon you will have a lot of work this month, remember to take it easy sometimes xx
Sorry to hear about the cold noynoy, hope you feel better soon xx
Good news about the bank thingy getting sorted Jinty
Hope you have a nice break Beanie
Such a shame about this new rule Cw
Reporting in with number 1 today :j Seems a long time since I got one on the first of the month :eek:
Have had some good (ish) news today, the course I was doing in the early part of the year which I missed getting my last assignment in for so didn't bother to finish thinking I had missed anyway by being late and therefore failed have given me till 22nd October to get it inWill mean a lot of work and I am already overtimed out this month but I will make it somehow, don't often get a chance like that.
Right off to the usual easties on iplayer, froglet and sheepie can watch it with me
Spooky about those skeletons :eek:
See you all tomorrow
:hello:
DFD Need to August 2027
NSD March 15/20
NSD April 17/15
NSD May 13/15
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Such a shame about this new rule Cw
But we have a relatively new HR manager (transferred in from a bigger store), and she's clearly insisting we adhere to the handbook. It was she who pulled me to one side two weeks ago when I'd missed seeing her new notice that it was to stop with immediate effect, but she was very nice about it.
So I can't really grumble, but in future I may think twice about doing close & clean on a D/Debit dayCheryl0
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