August's Almighty Advance

littleskintdragon

2/20 sfd 0/£3 charity 3.75/£10 beauty 0/£15 days out 0/£10 treat £70.73/200 groceries 20/£120 fuel

Day 4 allready.... And unfortunately a spend day, added to grocery budget and fuel

Needed petrol, now the df wanabee in me wanted to keep driving despite the no fuel, but fortunately the little perrson in my head told me that being late for work because ive broken down was not going to help me to become the future debt free me!!
So off i went to t3sco, with my clubcard cc for points and s4nt4nder cc for cashback, decided to only put in £20 (half a tank!) that way i'd be needing more around thursday which is shopping day, and i can start filling up an only declaring one spend day for both! Make sense??

So whilst i was there i bought enough milk to keep us going until thurs and a loaf, anymore bread i need i shall bake with my bare hands with the mix i bought in c00p when it was being discontinued, 33p a pack and makes 10 rolls!! Hence i bought LOTS but its cheese and onion flavour, needless to say the cupboard has smelt fresher! But hey ho!

Hope u all have a lovely frugal sunday, and if your lucky enough to not be in work until 5pm then i'm very jealous...

stoplurking

Hi all I haven't posted on here for months but I have been watching and cheering you all on. I am sticking to my MSE ways but the way I shop/budget doesn't fit in with Kat's challenges. Lots of Low SDs but not many SFDs. I am still on track to be posting on the DF roll of honour before 31/12/13, along with Kat. That will mean I will have paid off just under £18k credit card debt since joining this site and following NSKs Ultimate Challenge diary last October. At the beginning I didn't think it would be possible but Kat really draws you in and makes you believe anything is possible.
In the meantime, wishing all challengers, esp the loads of new ones, all the best for the August Almighty Advance, your Leader is definitely the one to follow if you want to make serious inroads into your debt. GOOD LUCK. x

NinjaSavingKat

Morning Chickadees.... good grief nearly fainted waking up to sunshine.

Another SFD hopefully.. am off to a friend later who is at a craft fair. She has told me to get dropped off outside and walk in which will mean I avoid the entrance fee. Suits me fine. In true MSE stylee.

Stoplurking bless your cottons! I wasn't sure if anyone was reading my actually diary! I worry in case I am repeating myself between this one and the diary itself.

I am glad you are inspired but I hang tightly to the notion that you can do anything. You just have to be be honest with yourself and stick to your guns! WE will win this game which mean taking biscuits to my friends house so we don't go out... .. so glad you have the end of the year as your DFD... EXCITING!!!!

Onwards and Upwards... (although low spend days are better than nothing especially if you go to the SM everyday for yellow stickers yummies..)..

andrar

Just saw this which might help for those who can't get to the shops - £3 text donation to the Trussell Trust who do the food banks nationwide

http://agirlcalledjack.com/2013/08/02/tackle-hunger-from-your-sofa-now-text-3-to-a-food-bank-22mealsforacoffee/

Still looking for my first NSD which will hopefully be tomorrow!

abundant1972

Afternoon all.

Have had a lovely day chilling out. Not left the house and so haven't spent any money. Next planned Spend Day not until Wednesday now.

Today = SFD number 4

Have a nice evening!



Had a reshuffle of money. I had been knocking my Emergency Fund off my debt balance - but now decided to not include that... So what I have left (£7,659) tally's with my Step Change account.

I used some of my EF to clear the credit card (supposedly for emergencies!) I'd run up a bit as I accumulated £7+ interest!!! That was the card I cut up last month. It's done with now! Finito!!! What I have in this fund is separate - a rainy day stash. If I decide when it gets to a bigger sum to knock it off my debts - then I'll adjust my debt balance. That seems to be fairer and make more sense. Few! So - whilst I have £375 going out each month by Direct Debit - I am now throwing everything at getting my EF back up to £1000.00.

Shelbi

please count me in..I want to save for my own place when I've demolished this debt. Nsd 2 so far. Also about the giving back, on the girl called jack website there's a blog 22meals for £3, she gives a list of what to buy if your in need of inspiration. good luck everyone. NSK as always a fab challenge...I'm looking forward to it x

Jonesy88

Hello Everyone!!

I'm back from my camping trip only spent around £15 in total and that was OHs money - we went to Essex with the scout group we help out with and had a great time. Even went to Harry Potter World and bout nothing from the shop - who needs a £25 wand anyway!

So last months closing figures:

Food: £45/£50 Spends: £36/£40 Petrol: £43/£30 SFDs: 23/20

Boom - look at that SFD total!

This month:

Food: 0/£30 Spends: 0/£20 Petrol: 0/£20 SFDs: 4/20

I am so determined to meet my DFD of April 2014. My reason to be debt free is to start a family.

Now... to try and catch up on the gazillions of posts i've missed...

Everhopeful09

My first check in for August, but i've managed 3 SFD's , only spends were yesterday £20 on petrol and £41 on food shop and i begrudged spending that! Off to catch up with everyone's news xx

gien

quickly popping in to declare my first non spend day. I have spent all day at home, pottering and doing a bit of planning so not a penny had left my purse!

Moneymash

SFD number 2 for me, as I worked last night. That was a shift from hell! Although, it didn't stop me picking up yet another overtime shift, I've just got to remember it's more off the debt.

I really, really, really want to pay my loan off before the end of the year. Then I'll have paid my loan off a whole year early. I've spent the afternoon going through my spreadsheets playing with figures, now I just need to go out an earn it!