Just say NOvember!!! ( are you brave enough )...

rising_from_the_ashes

abundant1972 wrote: »

I wrote down month by month all additional outgoings and estimated cost - these included birthdays, road tax, car insurance, MOT, a reasonable amount for a service and work insurance.

I totalled it up and divided by 12 and made an automatic monthly payment into a separate account called "Annual Expenses". Each month I've known the money is there and it's taken a lot of stress off saving up for big items.

I've done this for years with the "Pets pot"- always worried they'd need a vet trip etc when I was really skint / c/card maxed out etc .....

abundant1972 wrote: »

It might be tricky if your bigger payments fall at the start of the year (as you'd only have a proportion saved) but once you get rolling it balances out

I've managed to get the "House & Car Pot" sorted but this did involve BIG over payments as nearly all of these fall within the first 1/2 of the year (started around this time last year) - except my car insurance which I've been paying monthly & putting the same away to do in full at renewal.

The "Others Pot" (Clothes, Dentist, Presents, Hair) has sort of fallen by the wayside - so that's one of my goals for next year to get that up and running:)

It's fab having the money when stuff's needed & great that you can pay for things like insurances in full & save on interest / not having to worry where it's going to come from.:T

p0lly

Time to confess went out for lunch today and it was not in my budget . I really enjoyed it but it has blown my target of 25 for November - I am hanging my head in shame. Everyone else was going is my only excuse I hope everyone is doing better than me. I can hear my mother saying "and if everyone else jumped off a bridge would you ? " Polly x

NinjaSavingKat

How about you all get your butts to the DDD thread and pay penance you dirrty little spenders!! IT's HERE!!! December Debt Destruction!!!

Don't go thinking the last few days of NOvember are game spending days...

Abundant I like your ideas.. I need to get a "travel pot" together due to my bike's constant need of tyres, insurance for next year, servicing etc....

JAMIEDODGER

Morning:)

Have now signed up to the DDD challenge! Hopefully I will do well and have some more money:D

Will be a NDS here today, I think it will be number 22.:T

All meals will be using leftovers and using up what I already have in, not sure exactly what yet though.

Builder here today doing some work on the house so I expect will be quite noisy but aim to get some studying done.

Need to make some more cakes etc as nearly run out!!

If there is time this afternoon, I am planning on going through Decembers budget and also my diary and working out all my preplanned spends for next month. I have cub fees to pay for, along with all those requests from school on the lead up to christmas. I have my envelopes ready to fill....just need the cash:rotfl:

I find it much easier using cash, than cards, but each to their own, I know cards don't work for me, the money doesn't seem as real when its plastic.

Have a good day everyone

WantToBeSE

Morning
Yesterday was another NSD, as will today be too. Lost count now, but i think i am up to 22 NSDs so far!

Have signed up to the DDD challenge, and love the look of some of the requirements for it

My Christmas food shop will only be about £20, so i will budget for this seperately.

EDIT- its NSD #23 today!!

NinjaSavingKat

Morning Everyone!!!

Can anyone else smell hash browns? I swear they are calling for me from the work canteen - its almost too much to take in!!! I have marked up today's NSD as I am determined now to remain strong. This means that Friday Fry-Up that has been a long time gone will be even more satisfactory in making a short reappearance!! I honestly CANNOT wait!! I am not sure about you but this challenge has been challenging for me simply because I LURVE food!!! Can't help it... :rotfl:worse still I haven't had potatoes in over 3 weeks.. POTATOE!...

So DDD is up and running. I shall be commenting as minimally as possible on it until 00:00 on the night of the 30th. Will have to construct another little poem...:T:T:T.. I love the Hunger Games and will be using that quote again, in my little head I am Katniss Everdeen and I will help you all survive...( I am NOT crazy I promise )...:o

Like you Jamie I am running out of baked treats and food in general but want to keep going until I literally have nothing. I am nearly, very nearly out of pasta.. I have some soba noodles left with which I might have in a soup...I have rice and lots of it.. very very minimal veg ( half a butternut squash and half a courgette ).. I am going to get inventive on Sunday...:)

Heading home to Ireland in DDD might be the best thing for me - 10 days in a row should be easy although I have budgeted money to be sent to Mother as she knows how much I can eat...There might be more tails from in front of the Norn Irish fire for you all... AND I might actually be able to pay for my travel to the airport and back ( £30 ) with this months petrol budget.. I am driving SO carefully at the moment as I would only have £13 to add to the tank until Saturday. I think it's do-able...

Right I gotta go finish my porridge...blurrrgh I want hash browns....:(:(:(

icontinuetodream

just caught up with the thread and want to congratulate you all on your fantastic acheivements this month!!!:T:T:T

Thank you to everyone for your kind thoughts and words regarding my puppy earlier this month....Unfortunately, things aren't good ...he deteriorated rapidly and had to have an MRI scan and lumbar puncture last week - turns out that he has an auto-immune condition, his menengies is inflamed and he has an 80/20 chance...on the plus side, he is being treated by one of the best vetinary neurologists in Europe so if anyone can fix him, he can. I won't be able to join the December challenge as I have no idea what will happen to him and the specialist centre is over eighty miles away so all of this is costing me a fortune....hopefully he will be okay and I will be able to join the January challenge

I will try to cheer you all on during your december challenge but am not spending very much time on here at the moment for obvious reasons....just want you to know that even if I am not here in person, I will be thinking of you all and cheering you on in my head:)

Kiwisaver_2

Made it to 20 days which I think is quite amazing really, I should manage to stay away from the shops tomorrow and will have a spend day on Friday. I will plan my shopping to make sure I stay within my budget and no reason to believe that this won't be achieved unless I find an amazing special offer on coffee.

Still we seem to be ploughing through stuff but leaving little impression, I am loathe to go and buy a load of Christmas stuff before more of what I have is gone and there will be little hardship to go a couple more weeks on reduced rations.

My Friday treat will be a bottle of Baby shampoo, as I just ran out and at the moment despite all the squillions of other shampoos in my bathroom, it's the only one that does not irritate my scalp.

Righty oh, I am off to have a peek at the Dodgy December Doodah. :rotfl:

NinjaSavingKat

icontinuetodream wrote: »

had to have an MRI scan and lumbar puncture last week - turns out that he has an auto-immune condition, his menengies is inflamed and he has an 80/20 chance...on the plus side, he is being treated by one of the best vetinary neurologists in Europe so if anyone can fix him, he can.

Hello IContinue - sorry to hear about puppy! may I ask - for those of us contemplating insurance for our animals.. how much would this have cost you should you not have him insured....? I really hope he is well and happy... how old is he...ooooh and his name...:o

icontinuetodream

NinjaSavingKat wrote: »

Hello IContinue - sorry to hear about puppy! may I ask - for those of us contemplating insurance for our animals.. how much would this have cost you should you not have him insured....? I really hope he is well and happy... how old is he...ooooh and his name...:o

Hi NSK....I am not sure how much this will be as the vet is dealing direct with my insurance company and I will be paying the difference....the MRI on its own is over £1500 and the estimated cost of his treatment is somewhere between 3-5k plus VAT :eek:..I have insurance to the sum of 5k so hopefully, it will only cost up to 1k from my own pocket...

For anyone who hasn't got insurance....please, please, please get it.... I can't tell you how stressful this is...i am on total mental meltdown at the moment..... and if I didn't have the insurance it would be multiplied..... seeing my baby in this way is the worst thing in the world but at least I know that he is getting the best possible care and because of that, his chances are as good as they can be....

He is only 5 and his name is frazz.....apparently, the problem he has is one of the most common neurological diseases that dogs get (although it is usually bacterial or fungal...his isn't, so some of his spinal fluid is currently somewhere in europe as it is the only place that tests it) so this sort of thing could happen to anyone....its not worth not being covered to the highest amount you can possibly afford - the alternative is too hideous to think of....