January's Big Financial Freeze!!!

mumsiemum

Ninno820 wrote: »

Are you sure that you are not me? Thats my day exactly tomorrow - although our training day finishes early at 1:30pm so it makes the first day back a little more bearable!

I know exactly what you mean. Ease us in gently :rotfl: Can't complain though, OH and DD have had to work over Christmas

nannygladys

Hi everyone, NSD 5 for me, and tomorrow should be the same:)

Been to work today, hard going as I didnt sleep so well last night - lots of coughing, but I will go to bed earlier tonight to make for it. Thank goodness its my last day tomorrow and then I have a couple of days off.

Glad I had everything prepared to make my pasta bake, it was gorgeous:rotfl:I was really pleased cos it was mainly leftovers and fridge bottoms

Anyway visitors have just landed so Im off
Jxx

NinjaSavingKat

Good Evening to you all...

Welcome Bobbins11 you are in but you will be the last. Well done on 5 NSD's already but door need to shut now so well done..

Ninno - you are in good company! Care to share how much is owed??... In case some of you who have not read my other thread of my personal journey - this time last year I was accepting money off my mother two weeks after pay-day. Then next pay-day I would pay it off and need it again within two weeks... I owed my ex £750, my CC was maxed at £1000, overdraft at nearly £1000, £420 being paid to loans each month, bike needing new insurance at £500...

...then I got tough and started being a b*tch with the industries that were telling me I "needed" this that and the other... You WERE at your low, the only way is up!.. you will get on to of this, you will achieve debt freedom and you will get back in the black but I tell you now pat yourself on the back for even bothering! A lot of people find the part you have just done ( the sitting down part ) too hard to even face.. you have caught it now while you have the guts to hit the harder part - the paying it back part....

Right.... I just had the healthiest dinner ever, this proper cooking malarky is great fun. However I realise hitting the stores on New Years Eve was a bit stupid. Heading there with a headached and being tired was setting me up for a fall and that fall is not having anything to make a "batch cook".. OOOH NEARLY BREAKING MY OWN RULES! So I googled Jamie Olivers veggie chilli con carne and that is on my hit list this week when I pick up more fruit....

Anyone else at that age now where they realise an apple is an acceptable form of dessert...?? ( although I like mine with sugar free nutty peanut butter )...

So another NSD for me and adding £180 for overtime to my amount.. I know I was indicating eBay should be the most used form of getting this money together I need to recognise that you and I are running out of things to sell.... in saying that someone bid £15 on something so fingers crossed the rest of the TAT goes as well...

Geordie Boy has been spoken to... he has Wednesday to redeem himself otherwise it's game over. I think I am a little switched off now though...this year is too much about me. A man needs to prove himself if he wants me to give up my blessed much-loved fantastic single life for him..:rotfl::rotfl::rotfl:

So watching Dancing on Ice thinking about how much I need to exercise...:(:(

Gien is super organised - you've batch cooked AND made all the littles lunches.. superb!

Kerri - you still alive after that pasty?:rotfl:

Abundant - I know what you mean about a mental block. It's hard to know where to go despite knowing where you want to be. I work backwards.. I want a house, can't afford it. I need to save first, but I can't. I need to pay off the debts, but how?.. etc.. I don't mean to be patronising in any way but do you make lists? When I sit at work I have a mind FULL of what I need to do - by the time I get home my mind has emptied and I vegetate and waste time....

Wannabe - sorry you are feeling pants. Nothing quite like little people to wind you up...? Have you had a propery rummage in your wardrobe or is it all a no-go..? JOIN ME on my sugar free journey!!!

GOOD LUCK NIMBO! - hope everything goes well tomorrow!!!

I am not leaving everyone else out on purpose but this post is clearly too long already. SO proud of all the NSD's.. can you believe a week of 2013 has gone by already!!!

Keep it all going!!

Onwards and Upwards!!

beckyboo1980_2

As planned, reporting my 5th NSD today. Tomorrow is a spend day for me as hubby and I both need to fill up our cars with fuel and I need to get food and bits in for the week. Am armed with my list, which is labelled with the lowest prices I can get the same things for at Tesco. Am excited to make my pennies stretch as far as possible. Also price checked my mums Tesco receipt today and had another voucher back for £1. something but wont add that to my totals until have printed it off tomorrow. Also haven't added my ebay sales as my three buyers haven't paid yet. Will add on as soon as they do.
Have a long way to go before we are debt free, but have started to put a mood board together with our ideas/wishes for our loft conversion today. Plan to hang it in the kitchen as a constant reminder of why we are being so strict with ourselves. Certainly spurred me on today!!!
Good luck to everyone tomorrow.
XXX

Oompa_Loompa_2

4th NSD today, yesterday was a planned food shop. Netflix free trial instead of cinema today!

rosiecheeksblossom

Hello everyone,
Your threads are keeping me going, thankyou.
Yesterday wasn't a NSD, a bit of shopping and out for lunch and tea for a friends birthday, but thats coming out of pre arranged "going out" budget. Went to Cheshire Oaks yesterday too and didn't buy myself anything :-), but did purchase a prebudgeted pressie and some cards. Also 2 friends are having baby girls soon so managed to get them some nice bits with my 800T5 advantage points and NO CASH. Result!!!
I hopefully will be saving postage costs too, some xmas card envelopes had stamps on them which hadn't been postmarked. So will be soaking them off and getting my prittstick out YEY!

Keep up the good work all xxx

wannabee_in_credit

NinjaSavingKat wrote: »

Wannabe - sorry you are feeling pants. Nothing quite like little people to wind you up...? Have you had a propery rummage in your wardrobe or is it all a no-go..? JOIN ME on my sugar free journey!!!

Thanks Kat, I'm fine. Nothing really to be miserable about, just a bit of end-of-holiday-blues.
It is ages since I've been as fat as this - I've got tons of leggings etc that I could wear, but of course I need to be reasonably smart for work. I got rid of all of my fat clothes a year ago, vowing I'd never go back there, but I'm sure I'll find something to go around me.
I am trying, back on SW - it's only day 4 so far but at least I've started. I want to get the same attitude to weightloss as I have for moneysaving and debtbusting.

p0lly

NSD 6 I have worked out I can just about last til Tuesday before I food shop.
I am really enjoying the challenge of not buying anything at all. I have been doing a sort of stock-take of everything in my house. I have so much stuff
My list of things I will not need to buy this year (or possibly next year too:D) include. Books, DVDs, clothes, shoes, cleaning products, make up, toiletries, Handbags, cosmetics, Magazines oh my word I have a lot of stuff. I have been ebaying quite a lot too. Hope everyone had a good day p0lly x

tomandjerry

Hello and very happy new year everyone,

Very long time I have not been on this site...somehow I lost the track of things (still haven't calculated my December nsds or how much I actually spent -I don't think the numbers are sky high I just havent done them ...when I do I update my signature).
I decided to have this month off and join new challenge/s in Feb as I am not sure what I want and don't feel like doing anything. It's still a month in MSE style, just taking it easy. I will read your stories so keep posting .
t&j

Ninno820

NSK - if you dont mind I won't say how big the debt is. To my shame its larger than my remaining mortgage by smaller than my annual salary. All totally my own fault - gotta have objects and dream holidays. However I have around eight years until I retire and so want to erradicate all debts so that my pension can cover the bills. As I have said before the budget gets loser in November and thats when the repayments will really start to kick in. Until then my aim is to get on top of the spending and start to turn this spending ship around.

Off to bed now - its an early start tomorrow and will be a shock to this old body!!

PS - never knew about the Tesco Price Promise. Found an old receipt when tidying and tried my luck - another 25p to go towards the penny gathering. Can't wait to see what challenges you have in store for Februaury NSK!