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A ginormous jump into 2012 with the January NSD challenge

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  • salkunh
    salkunh Posts: 32 Forumite
    edited 3 June 2012 at 10:49AM
    deleted due to sell outs
    Deleting everything to make sure MoneySupermarket don't get any of my personal details to sell to following Martin's sell out move :money:
  • butdoineedit?
    butdoineedit? Posts: 1,181 Forumite
    Awww thank's guys feel better already, i knew you'd be able to do it!!!!

    Sometimes i feel a bit like i'm in some bad Jeremy Beadle type show, only it's my life! :rotfl:

    Still surely this must be the last of it????

    Jinty i'm currently partaking of a virtual bottle & TLC courtesy of you, it's fab, thank you!! xxx
    February NSD challenge 5/15
  • AlyBaly
    AlyBaly Posts: 288 Forumite
    Debt-free and Proud!
    Had a spend day today, had to get some shopping. Hopefully a NSD for me tomorrow x
    January


    LBM May 2008 :eek: Debt Free January 2012 :T
  • beanielou
    beanielou Posts: 95,398 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    BDNDI~No apologies needed.

    Similar has happenned to back of my house.
    Hoping to be able to claim it through insurance.
    I 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.
  • silvasava
    silvasava Posts: 4,433 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hoped today would be my 3rd NSD but DH sent me to Wixies for some 'bits' & I just 'happened' to look at the wall tiles in there. White 'Bumpy' tiles that we intended to get in a couple of weeks reduced from £14 a box to £3.96. Pity my poor car with 10 boxes spread across the floor & boot! The young girl that served me was so helpful AND she reduced two boxes to a pound each 'cos the top one was broken in each box..... result!! I've got a MS tomorrow so I'll do me a weekly shop then - makes me look incognito! Will try to have at least 1 NS over the weekend.......;)
    Small victories - sometimes they are all you can hope for but sometimes they are all you need - be kinder than necessary, for everyone you meet is fighting some kind of battle
  • bdini rant away,no apology needed.(((hugs)))

    As others have said,hope it turns out not to be asbestos.
  • JES_F1
    JES_F1 Posts: 763 Forumite
    Part of the Furniture 500 Posts Photogenic Debt-free and Proud!
    Yesterday was a 'low-spend day' - just some paracetamols! - but today was NSD #4.

    :j
    Debt Jan 2008: £45,566. *** June 2013: DEBT FREE! ***
    Paid back just under £50,000 due to some interest added.

    Dealt with my debt through a Step Change
    (CCCS) DMP.
    DMP Mutual Support Thread Member #240.
  • Nargleblast
    Nargleblast Posts: 10,763 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Debt-free and Proud!
    In everyone's life a little rain must fall - seems like it's monsoon season for Bdini!

    I would have thought, bearing in mind it's years and years since people used asbestos in buildings, someone would have known before now if there was asbestos present. What about all the changes of owners and the surveys that must have been carried out?

    Someone's head has got to roll!
    One life - your life - live it!
  • BigMummaF
    BigMummaF Posts: 4,281 Forumite
    To all the regulars, apologies in advance, as i'm sure you thought you had heard the last of this topic (so did i to be fair!!), but i'm just going to have a little rant.....

    Had a phone call today re: rented house (for which incidentally the council has still not paid up any housing benefit :()
    Apparently the high winds have ripped off the UPVC cladding affixed to the house for insulation purposes, which has taken with it half of the outer layer of the back wall :mad::mad::mad:
    Tenant in pieces over damage to the house, me in pieces over the £150 excess on the insurance payable to get it fixed!!!

    Oh & that's not to mention the fact that she's been turned down for free loft insulation, as apparently it's full of asbestos :eek::eek: even though it wasn't mentioned in the survey, or by all the various tradesmen that have been in that loft over the years!! There's another £100 gone for a report to (hopefully) prove that's is either a) not asbestos or b) safe to not remove, in order to quell her (somewhat understandable) hysterics
    I'm not even thinking about what will happen if the report says it's dangerous & needs removing..... bankruptcy anyone????

    Still on the bright side, at least it is number 3 today, every cloud has a silver lining & all that!!

    Having a think here, & you've probably done it already but I'll still say it...

    Does your household insurance have Legal thingy, to help sort out stuff like this? Surely the structural surveyor/Deeds/previous owner/local authority/someone...had a responsibility to inform you of the presence of asbestos?
    I've had a very quick squizz & found THIS but never having encountered the problem myself, I'm not sure it's of any help :o Raising a glass in full virtual support Dear Friend, along with a hooooooooog dodgy :grouphug:

    Got my twisting titfer today (titfer=hat, twisting=trick ;) ) so mark me up for No 3 please oh Keeper of the Updates! (& just wait till I can sort out some soopa-doopa-smilies :cool: )
    Full time Carer for Mum; harassed mother of three;
    loving & loved by two 4-legged babies.

  • cw18
    cw18 Posts: 8,630 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    ((hugs)) for BDINI and anyone else in need of one

    I've been out repairing 2 fence panels today - one slat nailed back in on one panel that belongs to me, and one slat nailed back in plus half a dozen others nailed back down in a fence panel belonging to a house around the corner (their garden backs onto the side of mine, but 'cos they have trees and shrubs in front of it they don't notice the damage - this is the third time I've been round to hammer nails into that particular panel!!!).

    Unfortunately the house between us has lost a panel completely - and I'm waiting for the knock asking me to go halves on replacing it, which I'm not sure what to do about. In the past I would have been happy to do so, but it's going to have to be a special make (the fence line turns 45deg at one end of the panel, so that end has to have all the supporting beams etc cut to fit) which is likely to make it expensive - and although it is my lawn on the other side of it, it's not an issue for my security as it's one of my pieces of front lawn :o Paying half would also set a precedence for any others that give, and there are another 3 or 4 between us that don't look like they'll last a lot longer due to them having had ivy growing on them for at least 4 years. I don't see why I should pay as much as half for those, though would probably pay a smaller percentage even though these don't impact my security either (in front of the gate on the path down the side of my house).

    Anyway, today was a spend day (and a half) for me..... which I knew it was going to be after receiving the emails from A!di and Lid! about the offers that started today earlier in the week.....

    8 books (6 exercise, 2 recipe/healthy eating), one salad carrier, one cereal carrier and a tub of salt from A1di in the morning.
    3 pieces of fitness equipment and some dried yeast from L1dl
    A jar of banoffee hot chocolate powder, a stubby hammer (easier on my hands doing fence panels that the large one I have) and 'assorted nails' from B+M

    Then in the afternoon I went back out as I discovered I've no dried milk for my bread maker (didn't get any - too expensive at the local shops, so money put to one side to get from Mr T after I've been to the gym tomorrow), and ended up picking up a Savoy cabbage and a multigrain bread mix (from A!di) and a pack of Whoopsied mini garlic and coriander pitta breads (going to use a couple as pizza bases for tea tomorrow and freeze the rest), a pack of Utt3rly Butt3rly (on half price offer - going to try this instead of butter in a shortbread recipe, as the fat/sat fat levels are better for my chap) and a brisket joint (which is going in my SC tomorrow to then be sliced for sandwich meat using my new slicing machine - will be interesting to see how it compares to buying beef from the deli) from Mr M.
    Cheryl
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