September's Step-Up!!!

Bublin1

Ugh - I don't want to spend money but the forces are against me.

dd's last day at nursery school so spent £18 on chocs and flowers for staff.

Its my brothers birthday on Friday so will have to buy a gift - probably some cologne that costs no more than £25. What do i buy a man who has everything??

NinjaSavingKat

Whoop Whoop!!! We are in the Newsletter again!!!

Siouxsie32

thriftylass wrote: »

Just got charged for the first time for using my ARRANGED overdraft. Must have missed the new pamphlet they send out with the last statement informing me about those changes.

Is this with Natwest or RBS thrifty? I used to have a £100 interest free buffer before there were charges but they recently changed (last month I think) and it's a £10 buffer with a £6 charge plus interest if the overdraft is used. Like you, I didn't need it so sent them a "No Thank You" letter.

Didn't check in yesterday as was working the late shift, but I'm working from home today so it'll be another SFD Actually, after reporting a SFD on Sunday, I went to the supermarket after yoga and bought some bits and pieces (fresh fruit mostly, plus a litre of carrot juice which I took home and added grated ginger and fresh lime juice - it was a sweaty yoga class so I figured all liquid was probably a good idea!).

So, the September Spends look like this....
Food: £15.19/£70
Petrol: £16/£50
SFD: 2/18
Misc: £0/£100

Calling14

Just a quick pop on here. Always seem in a rush this week. Glad to report even though I had to pop into Morrisons for work managing another SFD. Craving something sweet thou.

Just really cross with myself realized that I must have been on this forum at least 3 yrs and what have I achieved? Feel a debt free diary coming on as soon as I finish shopping around for car insurance. I will be debt free by Oct 2016 long and slow journey starting.

karmachilovething

Checking in for today, but not much to report: SFD yesterday, and another today, which will make 3 total! Going for a swim later for my exercise too, included in my gym membership, so free!

thriftylass

Siouxsie32 wrote: »

Is this with Natwest or RBS thrifty? I used to have a £100 interest free buffer before there were charges but they recently changed (last month I think) and it's a £10 buffer with a £6 charge plus interest if the overdraft is used. Like you, I didn't need it so sent them a "No Thank You" letter.

Yes it's RBS, I had a £500 OD already reduced from what they offered and even if I was over £100 I never got charged but just found a newspaper article stating the changes so I'll get rid of it completely and that will at least be motivation to be even more careful now with the spending.

LittleMissKitty

Someone kick my !!!! PLEASE. I'm on a splurge, I've spend 5 days running and I'm getting no clients to cover my business spending either

Liliyanna

Hello everyone,

First post this month I'm afraid as it's been a bit hectic at mine.

NSK asking about daily challenges......My month runs from the 28th to 28th so am already a week through it . We're on a 10 day holiday from the 15th to 25th, Corfu :T:T:T so with this in mind I've set myself the mini challenge of batch cooking all our meals from now till then so nothing is cooked between the 1st and 14th.

So far so good, everything is cooked and in the freezer this does mean that we've maxed out the food budget straight away but at least we know where we are, I've told the OH that any overspends are coming out of the holiday spending money (for that read OH beer money!) so am confident there will be no overspending :rotfl:

Thinking about the coming month I'm not going to count packed lunches in my tally as I routinely take them so it isn't really an achievement for me, likewise with alcohol as I don't drink at the moment due to complications with gall bladder surgery but I can't think what to give up instead as most of it has been cut out post surgery anyhow, hmmm will have to think on this.

I'm trying to get into the exercise routine but I tore my calf muscle at football preseason training recently so am still hobbling everywhere (first training session post surgery and tried to keep up with the youngsters...epic fail:(). So I've downloaded a pedometer app onto my phone to measure my activity level, I'm hoping that for everyday I hit 10,000 steps I can count this as a strike in my exercise box, what do you all think?

Well enough rambling from me, keep posting mse'rs


Lily x x

zoominov

Checking in -

Spent £1.00 on red bull today took in spag bol today for lunch, got some tuna filling to take in a sandwhich for the remaining 3 working days, with my constantly buying red bulls will never have a spend free day

GoingForward_2

Quick Tuesday update.

50/250 on food which should see us through to next week
87/200 on misc which was a planned bday present for FIL so ok
0/3 on Food bank but going to do the text thing I think
3/30 on the AF days
2/21 on lunch to work (though appear to have eaten it all by 11am)
0/18 NSD
2 Dog walks today but still nothing properly exercise wise. Will try and remedy by end of week.

Had to buy some more foundation as having cut tube in half there really was none left but used Boots points so free. Bought a friend a coffee which hadn't planned to but I was there first and it was a nice thing to do. Offset by selling a DVD on Amazon which I will post tomorrow!

All in all a good day in the right direction. Hoping for first NSD tomorrow.

Like the checking in rule. Keeps you on the straight and narrow though do appreciate it's early days!