Justifiably Unanimous Lockdown Yomp!!!

Jonesy88

Lotti - do what's right for you. If you want to go, go, if not, don't. But make your decision based on you and not what anybody else says, us and your mum included

Another SFD for me, just about to put tea on and OH is out on a bike ride in the sunshine. Peace and quiet for a bit, until he comes back a sweaty mess complaining he's hungry!

Mr.Cobes

2/20 SFD under review by the panel ?..;)
£124.50/£150 Food budget
£50/£50 Petrol
£0/£40 Personal care
£0/£60 going out cash

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Day 4
NSK I understand the confusion as to why I should be allowed a NSD, however let me explain the reasons..GD came early..so unexpected..which made me, buy a card for S & D.i.L..Box of Chocs for said mum..cuddly toy for new babe..
So nothing for me just all round benediction to the family what y'reckon eh'..:beer:

Lotti..A thousand years ago when raising our family, it was thought a great idea for everyone to go on an extended family holiday..We decided NO ! had kids mortgage etc..We wasn't thought of kindly for a while..offers were made to chip in..Nope..so off they all went ..bl**y disaster..so we were right etc...go with what you know is right either way..!! you know it makes sense..;)

No spend day for me today..
Spent all day (most) at a car dealers in North London TRYING to get my nephews car that he has paid for..that should have been ready for collection etc..(all arranged yesterday).
I have driven there and home 145 miles in total..he has gone home the other way no car..
Car dealers.:mad: .there are probably some good independents out there .!! nuff said..so brekkie and lunch paid for..1/2 tank petrol used..
Pre planned brekkie tomorrow with the nice Big A lady..see offering phone numbers does work sometimes ..
Preplanned family do that evening..more petrol..90 miles round trip..oooh oooh can I claim the petrol as a NS allowance NSK ?..:)


Thats all for now..will check in tomorrow..to see if I have been giventhe NSD being voted on by the board (NSK )
:wave:








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abundant1972

Evening!!!

Lotti - I can only echoe what others have said... How would it feel to be upfront and honest with her now? A really good way of managing situations like this can be to flip it on its head...

e.g.'Mum... I appreciate that this holiday would be a really good opportunity to spend time together - and I would love that. However - I'm already in debt - and I'm trying really hard right now to clear it. I owe you money as well that I would like to clear, and what funds I do have are now tied up in an investment fund. Going skiing whilst nice will put me £1000 further into debt. It would be nice if we could do something closer to home this year - still spend time together, but without the cost. Imagine you were in my position - what advice would you want to give yourself in this situation...?'

If she still says you should go she is effectively saying she thinks you should get further in debt... which am sure she wouldn't want. Sometimes - just being honest can be the best thing. Get it all out in the open. Just a thought...

On the home-front here, had a good spend free day - my friend at college had even bought me a drink when I arrived - the MSE fairy :A was looking out for me I think!

Today = SFD number 3

This evening I've used up the casserole I made the other day, and am going to just chill out before bed. Have a nice evening everyone...

32b3in2013

Evening

Another SFD for me so totals now

SW - £24.75
Food budget - £4.59/£150
Petrol - £50
SFD - 2/20

I hopefully won't spend any money tomorrow and will only spend £4.95 on SW on Saturday.

32b3

zenshi

Didnt update yesterday as I take the hound from hell to training class and we don't get back till very late

Anyway, he was as good as gold.......just like kids and save the naughtiness for at home :eek:. That costs me £2 a week but have paid the whole month. Used up an oregano French stick by making a sort of pizza with it for tea last night. Wants too bad!

Today, I've been at work and only ventured out to walk the pooches, so a no spend day for me

Happybeingme

Evening All

Spent on a tie and school badge for DS2 and paid the window cleaner but this money was already in my purse (didn't have to touch the bank account today) so do I put that as a spend day or SFD??

Decided I need to stop using credit as a crutch and clear it. I'm planning to pay off the catalogue completely this month and then close the account. I then want to clear the overdraft, have £100 or so to stay in the account once bills have been paid and then cancel the overdraft too..........still feeling very nervous about doing it though?

Hope everyone has a great evening

Mrs_Toast

Good evening all

Well I would do a full update but DH is hogging the laptop so on my phone.

I managed a SFD today as I was organised for once. Being heavily pregnant opens me up to cutting corners & buying !!!!. Only got playgroup 2moro (free as a helper) & staying in all afternoon to wait for decorators to come round for quotes. I'm so excited as since beginning my debt free journey, weare being productive in all areas of our lives.

Anyway, hope everyone has had a nice day & hugs for anyone who needs them xx

Munchin

Hi all

Today was another SFD:). I had a craving for chocolate and was tempted by the vending machine but a customer brought in a box of chocs and I snaffled 2 which hit the spot and stopped me spending money.

Tomorrow will be a spend day as I usually get a takeaway with OH.

I'm saying this quietly as I checked my budget again and if I manage really carefully I think I can make the final debt payment this month instead of next. Fingers and toes crossed:D

Living_a_good_life

Quick check in - been to the shops and mr Morrison you came up trumps - Lamb, pork joints, sausages, pork ribs - heaps for about £7 - and I managed to get it all in the freezer which was the biggest miracle!!
Have also foraged this evening - my first trial of elderflower champagne in the toy trug doing its thing (I hope). Free alcohol - whats not to like If it kills us we will die happy:D

Love to all,

LAGL xx

PS Munchin - final payment - get your badge and earn your stripes!! Exciting times

NinjaSavingKat

MORNING ALL!!!.............:j:j:j

Confession ; - I bought Vintage Life magasine yesterday as I had to get a card for my Aunt and Uncle who have both got out of hospital today for separate bouts of cancer..#badkittykat.

I bought a pre-planned for hair dye while I was at it to get it out of the way since I had already spoiled an SFD...

Also forgot my phone today which means I am walking around limbless...:rotfl:

Have realised I still have that £155 credit note for a vintage store in London to spend.. might have to treat myself to a pretty dress or two...

Mr Cobes - you should have been prepared with a teddy, card and such like...(typical boys leave it to the last minute.:rotfl:..) but since you are welcoming a new bundle I will let you off this time and only this one SFD...:)

Lotti.. how are you paying for this trip..? Am I having a thick moment here... when is the holiday and are you planning on accruing the £100 monthly fee to your Mother to pay for it - will you have enough time..?

Happy - do it do it do it! You do not need an overdraft - you will have a new frame of mind about it all... and you won't want to ever dip into it again...!!! YEAH!!!

RagstoRiches - Brilliant story!...what is the powderd milk like. I was thinking of trying it once as the running out of milk used to traumatise me.. now I don't need it but always curious if it had a weird texture. However the more I read about the milk the less I ever think I would touch it again.... No raisons in your hair then..?

....Right I shall be back before the end of the day to poke around and see what you are all up to....