January's Big Financial Freeze!!!

poodlegal

Yes i'm limping in to cross the finish line too though still with a few £ in the bank so thats good not had to use any credit :j for Feb i'm going to be more organised with my spend days and try and pay another good chunk of cash towards the debt mountain it feels so good to see the figures drop on the bills! :money:

GreenNinja

Only just found this thread, what a fantastic idea! Bit late for me to join as only one day left in Jan, but have copied and pasted your "rules" NinjasavingKat and will be pinning up in my kitchen, am going to try to follow this for the month of February!

Many thanks :j

NinjaSavingKat

GreenNinja wrote: »

Only just found this thread, what a fantastic idea! Bit late for me to join as only one day left in Jan, but have copied and pasted your "rules" NinjasavingKat and will be pinning up in my kitchen, am going to try to follow this for the month of February!

Many thanks :j

You need to look for The Ultimate February Challenge... that's us in a new thread. Please join in!!

GreenNinja

Brilliant, will keep my eyes open for that! Ref your wombling by the way thats one of my hobbies, the self service tills in my small Tesco express is brilliant for that, theres usually a wad of receipts hanging out of the till which I shove in my bag. When I get home I separate all the ones off with unclaimed points then get them added onto my card in dribs and drabs. Last summer I made about £25 in Tesco vouchers doing this!

NinjaSavingKat

thriftylass wrote: »

Oh no what do you mean. You worked like double time all of January and they didn't pay you? :mad:

Thrifty apparently they received my December forms one day late and now won't pay it. This means it will land at the end of February along with everything that I did in January... HOPEFULLY I won't get walloped with a massive tax bill but there is nothing I can do about it...the amazing thing is - since I am on top of everything I am not in a panic over it and can soar through Feb on my already assumed tight tight tight tight like a tiger budget....

I can tuck away £390 this month though.. better than nothing I suppose...:(

On a brighter noted I have two items bid on already on eBay.. that's a nice £15 made however one item has another two days and 5 people watching it ....fingers crossed for more pennies. Three other items at £19.99 x 2 and £39.99 have between 3-5 watchers each... they end on Friday as well. Then I will post more.

I missed the free insertion weekend because of work and not having pictures taken and loaded up and no order to what I wanted to sell - that's this weekends job....:T:T:T,...

Overtime booked on Sunday ( double bubble ) from 1500-2300 so I have the rest of the weekend to eBay and chill out a bit... I am very determined!!

Onwards and Upwards!!

NinjaSavingKat

GreenNinja wrote: »

Brilliant, will keep my eyes open for that! Ref your wombling by the way thats one of my hobbies, the self service tills in my small Tesco express is brilliant for that, theres usually a wad of receipts hanging out of the till which I shove in my bag. When I get home I separate all the ones off with unclaimed points then get them added onto my card in dribs and drabs. Last summer I made about £25 in Tesco vouchers doing this!

There is always room for another Ninja...:rotfl:...especially a fluffy wombling one.. :T:T:T

nannygladys

Hi everyone, well it will be a spend day for me as I need some hay to clean Rosie out, cant have her living in a pig sty:rotfl:

Just been doing figures for Feb challange and my OD has gone up:eek: but then I realised I had paid RFL and water bill out of it so if I take them out of the equation I would have done quite well - ah well - anyway I have started monthly saving in an old savings account for future RFL, water, car maintenance and the AA and am putting the correct amounts divided by 13 into that (am paid every 4 weeks) so it shouldnt be a problem in the future:) I must admiit it has knocked me up a bit, but then I just have to keep thinking if I hadnt been following Kat in January it would have been a LOT worse anyway upshot of it is I am going to be more strict with myself in February - its only 4 weeks and I still have food in the freezer and my cupboards and I have done a menu plan that will be repeated every week, boring I know but its only for 4 weeks I keep having to say that cos it doesnt seem too bad then.

Anyway, off to get some inspiration from outside (going a walk to the shop whilst the sun is out) and then clean Rosie out - what an exciting life I lead:rotfl:

Kat I cant believe you havent got your overtime this month:(, where I work (Mr S) the wages are done the week before, so any OT we do is bang upto date, they need to get their ar*es into gear

Jxx

mayfair1985

Rubbish news about the overtime Kat, but just think how nice the pay packet will be in Feb to make up for it! And hope you shift the cold soon.

I'm another one in the new car camp. We've had ours just coming up to 12 months. There were a number of reasons why we did it. We're a horrible 2 car household as we both need one for work, or face quadrupled travel time on public transport, 1hr each way for him, 2hrs for me, where as in a car it's 10 for him 20 for me. He loves his retro cars (unreliable, old heaps ) and I had and old car too. Well mine died and was going to cost more to fix than it was worth. We weighed up all the different options, buying a dirt cheap old banger, getting a loan out for a newer car, and buying a brand new car, and it turned out that buying a brand new car came up best. It's important that we have one car that is reliable as we have parents far away that need to be reached often for an emergency as there is no one else near or buy. Anyway we got the smallest of the smallest and cheapest brand new cars you can get. The deal included 3 years insurance, warranty, breakdown, tax and servicing. The money that we pay on the monthly payments is worth it. I don't see this now as a debt, I see it as a bill that I will probably continue on with past the 3 year mark and exchange the car for a new, bigger (hopefully family friendly!) one. And we've halved out petrol costs. I was worried at the time but a year down the line am very happy and pleased with it and i believe we made the right decision!

PurpleJay

Morning all It is nice and sunny this morning here in Derbyshire, although I am stuck in on my lonesome. I need to get off the forums and get something done!

I thought I would confess already to today not being a NSD. I have just ordered tea from Dominos! On the front MSE page is the full details of the deal but basically TopCashback are offering £9.99 cash back on a minimum £15 spend and there is a code for 50% off pizzas. My local one offers free delivery over £9.99 so my order was:

1 large customised pizza £17.24 (shocking at full price aren't they)
Less 50% of £8.62 plus dough balls £3.49 comes to £12.11.

Less £9.99 cashback (already tracking) it comes to £2.12 for tea for the 3 of us - what a bargain!!! You can even pay with paypal

Just thought I would share - I know I shouldn't be encouraging you but if you promised yourselves a foodie treat at the end of the month this could be it

I have the bread maker on and have tidied the fridge. Sent hubby off with a shopping list today and told him to use the nectar points (we have over £50 worth) and a £12 off £60 voucher so he shouldn't need to spend any 'real' money. I have friends round tomorrow and friday for coffee and cake so shall be baking later when he is back with the ingredients - I am out of sugar and cocoa. We also need milk, gravy granules, cheese, veg and cleaning things - I have run out of dishwasher tablets and fabric softener and am almost out of bleach and washing up liquid!

I am going to do some of my Avon book keeping this morning. Looking forward to some home made brown bread with goats cheese and pickled onions for lunch and then some budgeting later

Have a great day xx

Have a great

CandyCupcake

Siouxsie32 wrote: »

I bought a shiny brand new car last year and it's saved me an absolute fortune. Yes it costs ££ every month (my old one was paid off), but the fuel consumption is about half what the old car was (saving £60 a month), the tax is less than half of what the old one was (saving £20 a month), there's no MOT (this is the biggest saving of all - each year as it got older, it was more of a struggle to pass the MOT and I always got the call to say it'll cost X to fix it - usually X was in the high hundreds :eek:) so yes, a shiny new car may seem extravagant but it WILL save you money (and be ultra reliable, and be nice to drive, and it smells fab :beer:).

Siouxsie I love 'new car' smell! All the figures show I will be better off in the long run, and once I've cleared the other debts I won't have to worry about saving for a new car

Candy

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