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

Kiwisaver_2

I went in a shop today but left empty handed and with another NSD intact, as they didn't have the storage containers that they had advertised on offer. :mad:

I would have had a dilemma on my hands anyway whether to count as a spend or a NSD since I have had these on my list for ages waiting for them to be on special again. They match others in my larder and I have been collecting a few each time they've been at a good price.

On the food front, dinner was very random today as I decided to use up the older and least appealing bits and bobs sooner rather than later in the month. I made soup with some stray bits and bobs that have been hanging about in the freezer for too long: roast veggies, some lentils and a tiny bit of roast chicken, which we had with with crumpets that were a bit freezer burned and extra crispy at the edges. :rotfl:

ZsaZsa

Well done everyone. Sounds like everyones doing well. V jealous of the YS cookies, I never get anything so yummy marked down.

Today is NSD no 5 for me (I hope, unless anything unexpected crops up). Saturday was a spend day for a fireworks display (all planned), and did a bit of grocery shopping as was already a spend day. Spent more than I needed to (£23.87) as I only really needed a couple of bits, but want to stretch out til the end of this week hopefully before any more grocery shopping, no fingers crossed no more spendy days til fri/sat

Keep up the good work everyone :beer:

Edited to add grocery budget remaining £151.13

NinjaSavingKat

Well I am super happy today!

:j:j:jMy thread has made the weekly MSE email!!!!! :j:j:jWOOOOHOOOOOOOOO!!!!!!...YEAH!!!!

That's all I was really aiming for in life! It has been recognized by the MSE team so SAVE MONEY HERE!!! :T:T:T

Seriously I'd rather get paid to do this though ......:rotfl:

Right on a more serious note! I am on for NSD No.5 today. I know some of you are already there - how does it feel?? I was super savvy today and decanted milk into and old water bottle and stuck it in the freezer, this way I have milk for the most important invention ever " TEA" right through until Sunday which where I hope I will be without spending a dime... that's 6 in a row! Hmmmmmmm I have Friday off work to hit the Dentist so hopefully I can remain strong... oh of course I will.

Did I mention my dentistry will hopefully be everything I want for free. St Guys hospital in Central London have a school for Dentists, and those in their 6th and final year need "customers". You apply and send them your details and they make an appt for you. I have waited 3-4 months though so this isn't something that happens over night. They need a lot of range to work with although can't always do everything.... My appointment on Friday is for a check up. I want my silver fillings replaced or covered, a scrape and clean and my teeth whitened to Tom Cruise proportions.... I am sure I may have mentioned this somewhere but this is the week of reckoning!!!

Kiwisaver - that's a good meal! I had a colleague think I was weird because I had peshwari naans with lentil dahl soup! I can see where people can waste money on food by trying to ensure they have everything right - my meal was lovely. How was yours... we are on the ball though using our scraps.. its the way to go!!

ZsaZsa well done on the 5 NSD's.. you have just reminded me though to update my grocery amount.... fingers crossed for you until Saturday!!!


Keep up the updates and GREAT WORK!!!

Onwards and Upwards!!!

mmy

Hi, all, I'm lurking but not posting because a) the challenge is closed and b) it's more or less what I am doing anyway - but a lot more rigorous! I've been really working hard to get a grip on my finances after the summer. Guess my LBM came when I had to break it to my daughter that we couldn't go on holiday as planned in September because I simply didn't have the money, although I had stuck my head firmly in the sand and had kept saying 'of course we'll go!' Realising this ostritch behaviour meant she had mucked up her leave for the year, and not taken advantage of other [Free! Double ouch!!] options she had been offered earlier, really made me think "Right, get yourself sorted". It's her 21st in December, so I'm saving for that - who has a baby on December 25th, I ask you.
I pay all my bills by direct debit 2 days after pay day. I take out my weekly budget x 4 and put it in weekly envelopes. This money covers food, toiletries, my travel to work from Zone 5 to Central London daily, dog food. I draw out a small amount for my 'Treat Tin', so we can occasionally take advantage of a voucher meal out, or a hair cut [daughter pays for her own, but dog and I both need occasional cuts!] If it's a treat free month, or money is left over, it goes into my Secret Sock bank account. Once 21st is over, next save for daughter and myself is for her car insurance in April so we can pay £800 annually instead of £183.00 per month!!!!! [Daughter was a bit careless in her early driving career.....] Most days are NSDs for me, and I can only spend what's in my envelopes, I can't borrow from the Treat Tin or from my Secret Sock. Started this in September, and so far, it's working and I feel much more in control. Once insurance is paid for, it's Attack the Barclaycard Time....I may be up for your January challenge, NinjaSavingKat!

I'm rooting for all of you, keep it up. You are all doing great, and I'm impressed and inspired. I check in daily although don't often post as am reading on my phone on the buses to work [cheaper than the tube, although longer. But with phone, book, and tube of Polos, who cares?!]
Keep going, everyone!

thriftylass

NinjaSavingKat wrote: »

Well I am super happy today!

:j:j:jMy thread has made the weekly MSE email!!!!! :j:j:jWOOOOHOOOOOOOOO!!!!!!...YEAH!!!!

That's all I was really aiming for in life! It has been recognized by the MSE team so SAVE MONEY HERE!!! :T:T:T

Woohoo, well done! :j

Been off sick home today, so it'll be another NSD (number 5 yay). Hopefully will stay that way till Saturday when I'll do a top up shop.

his_missus

Well done Ninja, fame at last and recognition for your hard work on this thread.

Reporting in early as I'm off to my friend's for tea and a crafting session tonight. Corned beef hash and dumplings and free too.

Cereal for breakfast to use milk whilst it's fresh (we only really use it for cereal but I prefer my milk really fresh)
Leek n potato soup and roll for lunch and slice of banana cake (all HM apart from YS roll)
Hubby's having 2 sausages that were lurking in the freezer with the remnants of a bag of frozen chips and YS eggs for tea (eggs have Use by 10th but had display date 4th)

Ebay stuff currently at £36.

NSD#5 (still got that 10p in my purse)

Learning2Budget

Grrrr had it all planned out for today to be a NSD but didn't plan on having a poorly girl and having to buy medicine. So 8.97 to come off my shopping budget please ninja. So think i am now at 166.06 budget and still only 4 NSD. Gutted but pleased my little ones is looking brighter!! L2B.x

VJ2010

Just returned from shopping where I managed to spend £43.00. This is a vast improvement on my normal spend of £50-60 so feeling quite pleased with myself. I'm sure I could easily have made it less but it's a good start Didn't manage to get any 23p cookies though NSK!

Also got to go and buy some ink for my printer but this is mostly for work so needs must - have got a 10% off voucher though from when I bought some for the office printer last week And I'm going to invoice some work I've done later which should be about £400 coming in :j

Hope everyone's having a good day. Off to look up info on the dentist school at Guys...

p0lly

Afternoon all Well done Ninjasavingkat very well deserved for such an inspiring thread


NSD 4 for me
I am determined not to shop til Sat but I have run out of moisturiser so I will be looking very haggard from lack of sleep(chest infection keeping me awake coughing)and prune like from lack of moisturiser by sat at this rate.
MMY sounds as though you are doing great now. Hope you join us in January. I only started last month it is very addictive not spending money. Which is odd as I was addicted to spending it :rotfl: Love P0lly x

skintsue

I was going to list another NSD today, but need your advice as to the ethical position to take.

My DD tapped me for £3 for something at school - some piece of equipment she has to have for a class project. I can't refuse if it is school related and thankfully it wasn't the same as last week's request they sent out which was for £800+ for a 10 day school trip skiing in 2014.:eek:

I went to a support group meeting this morning, all free - lift there from a friend, free cups of tea and snacks while there, and the bus home (free bus pass).
Into town, changed bus and straight out again - no window shopping, just incase.
While I was there I showed the group some of the stuff I'd made for the next craft fair I'm doing. I really wanted some more feedback as it's usually the same family or friends, and I could do with outsider comments incase I need to change, especially as the craft fair is in a different location to my usual patch.
Anyhow one lady asked to buy one sample, which I sold for £3, so what I gave my daughter I got back a couple of hours later.

Would you class this as a NSD or a spend day with a zero balance spend?