Out with the old, in with the new: the January NSD challenge

butdoineedit?

Mmmm Jinty the recipe sounds lovely, i'm definitely going to try it, do you think it will work with chicken thighs too? I have some very elderly ones residing in the freezer that must be eaten!!

LadyfromVenice wrote: »

Thanks for all the lovely comments everyone. Dobey was looking a lot better yesterday. She managed to walk around a bit and eat a few slices of beef which she kept down, a vast improvement. She even wagged her tail at me when I got home yesterday so I was a very happy Lady.

I'm glad I'm now back and posting again. My new job is in town so there are lots of lovely shops which are trying to grab my attention. Today I am very pleased with myself as I walked to Mr As at lunchtime and only bought what was on my list. Result .

So pleased about Dobey LFV & huge well done on managing to stick to the essentials only during such a tough time!

Number 6 for me today :T
Can't believe i have somehow managed to pay off my overdraft during xmas & still have a positive bank balance with payday only at the end of the week & no spending planned :j Now all i need to do is pull my finger out, change to a fee free bank account & start overpaying my loan!!

Catslovelycats

Well I had to fork out £7.20 for antibiotics today. Darn it. And that meant needing to buy some bio-yoghurt so I can keep control on my bacteria levels... And then that led to me buying some reduced veg for the guineas. So what I hoped would be a NSD has turned out the opposite.

slowlyfading

number 7 for me today

LfV - glad doggy is feeling better today

Decluttering

Another non NSD for me today, even with my train ticket being exempt. I lasted until about 8pm and then bought a couple of 20p mix ups at the leisure centre. They taste sooo good!

needinghelplulu

Hello I hope you can help me!!!

Please find my SOE below:

[tt]Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 2
Number of children in household......... 0
Number of cars owned.................... 2
Monthly Income Details
Monthly income after tax................ 1000
Partners monthly income after tax....... 0
Benefits................................ 0
Other income............................ 120
Total monthly income.................... 1120
Monthly Expense Details
Mortgage................................ 220
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 0
Electricity............................. 0
Gas..................................... 0
Oil..................................... 0
Water rates............................. 0
Telephone (land line)................... 0
Mobile phone............................ 80
TV Licence.............................. 0
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 60
Clothing................................ 0
Petrol/diesel........................... 80
Road tax................................ 80
Car Insurance........................... 33
Car maintenance (including MOT)......... 50
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 15
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 618

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0

Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(220)......0
Total secured & HP debts...... 0.........-.........-
Unsecured Debts
Description....................Debt......Monthly...APR
Lloyds TSB Loan................13455.....264.......5.9
Marks & Spencer Loan...........0.........0.........18.6
Lloyds TSB Overdraft...........495.......5.........0
Natwest Overdraft..............600.......30........0
Total unsecured debts..........14550.....299.......-

Monthly Budget Summary
Total monthly income.................... 1,120
Expenses (including HP & secured debts). 618
Available for debt repayments........... 502
Monthly UNsecured debt repayments....... 299
Amount left after debt repayments....... 203
Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -0
Total Unsecured debt.................... -14,550
Net Assets.............................. -14,550
[/tt]

The fields were not quite accurate for my situation, so I'll list them here:

Income: 1000

Bills - Mortgage 220 (this pays my half of mortgage and my husband pays all other bills e.g gas,electric, water etc -we also have separate bank accounts)

Lloyds TSB Loan - 264.26

Food - 60.00

Petrol - 80.00

Mum - 50.00 (she lent me money to cover my outgoings when I was off sick and didn't get paid)

Mobiles - 40.00 Vodafone, 25.00 Orange, 20.00

Car Insurance - 33.00

Marks & Spencer Loan - 32.75

Natwest Overdraft - 30.00 (have started plan to reduce 600 overdraft)

Lloyds TSB Platinum Account Charge 17.00 inc mobile insurance, AA Cover and the 1st 250.00 of my overdraft is interest free

Lloyds TSB Overdraft Interest - 7.00 inc 5.00 plan to reduce overdraft is now down to 495 from 530

Car Tax is due at end of Feb and I usually due for 6 months approx 70

Was also spending on Avon products and buying from vending machine in work which have I now stopped .

MOT is due in September 2011 and was hoping to put money away for Christmas 2011 but not sure if I can?

Thanks

Louise

hannah:-)_2

Hurrah! Another NSD for me. That's NSD #5 :T

Went on a training course today, but resisted the urge to go to the shops both before and after! Had a real craving for a sugary drink on the way there, but settled for a bottle of fizzy water I had in the car instead.

Will need to have a spendy day tomorrow, as I'm in need of a few groceries to top up gaps in what I've got in. Still, I'm half way to my target now, and think I can be trusted to go into the supermarket without buying everything I see :rotfl:

suzie_wong

lilylass wrote: »

Please tell me how!!!!!

I'm glad I'm not alone in my diet coke addiction, there's at least 6 people I've now "met" on here who have the same problem!

Scary, isn't it?! :eek:

(I'm one of the 6! )

karom

3 nsd in a row sp far - total 6

IF

needinghelplulu wrote: »

Hello I hope you can help me!!!


Thanks

Louise

Hi Louise, you need the start a new thread with this.

To post your question go to the top left hand side of Debt Free Wannabe board, opposite the page numbers and press the "New Thread" button as shown below:

Hope this helps.
Best wishes
If...x

Tropicalmoments

#6 for me today and just realised that's 6 in a row I think :j which is nearly a whole week without spending anything and unheard of for me. I keep saying I'll need to go to the shops but so far I've managed to avoid it. However, I really think that I can't avoid it tomorrow so will do a list and try and get everything in a oner - unless it snows lots tonight as is forecast and then I'll just make do and mend for another day:D