The October Awakening!

Shady2307

Had a good weekend for moneysaving. Only a £3 spend on Saturday as was out and about and we were starving. My Sister and I made the most of “two for….” deals to feed our faces so it didn’t come to too much. Yesterday was a non spend day but I had a great day. I had a lovely long Autumn walk to the cinema (four miles) to save on bus fare and to get some exercise, went to a free preview screening of “Philomena” which I would really recommend. It was wonderful. Had a free coffee with loyalty card and a free coke with points from a well known chemist. Spent the rest of the day babysitting which was lovely.

rumblytum

Hi everyone

SFD 10/20
Payment towards debt in Oct will be 1074.24, minimum payments throughout month
Food 80/250 will be well under this month yay!
Lunches 18/31
Food bank 3/3
Eating out 14
DFD May 2018 (at the moment )
Toiletries £0
Extra earned £72.43

Have a good monday

rumbly x

karmachilovething

Hello All!

Mixed bag on the weekend: two SFDs and one quite spendy day. Saturday was celebration for BF birthday, west end show (paid for already) and lunch out (budgetted but slightly more than expected, so will have to claw back somewhere)

SFD again today, which puts me in double figures finally! :T

lilian1977

Looks like the site lost my post last week - I wrote that I was bowing out of the October challenge because I have failed spectacularly - and I didn't even buy JT tickets! I will definitely try and join you guys again in November but I'm finding the whole challenge really difficult - like I said, I have nothing to work for (as in being DF) so it's a constant struggle to justify why I can't spend...

thriftylass

lilian1977 wrote: »

I have nothing to work for (as in being DF) so it's a constant struggle to justify why I can't spend...

What is your First direct target, is that a rainy day fund. Does that not work as an aim? Can't you tell yourself you can't spend (much) till you know you got a three month salary cushion as a safety net?

Think our flat tyre will cost us two new tyres. Gonna swap the front ones (newer) to the back and get two new front ones. The back ones needed replacing anyway before the winter as the thread was so low and they would have come up in the MOT next month. So we're just doing it earlier I guess than planned.

littleskintdragon

Eb4yed some items and made £20.67 yesterday
Some didnt sell, so i relisted one, but kept the rest for a free insertion day because they wont make much. Off to the post office for me later, in this lovely weather.

My month runs from the 25th of each month, so only 4 days left for me and im still within ALL budgets never ever happened before!!

Leek and potato soup is in the slow cooker, smelling beautiful if i do say so myself. Might make some veggie soup tomorrow, got some veggies looking slightly worse for wear and i refuse to throw them out.

Also may make some more money to get us to the £100, we have some bunk beds in the garage that a friends is very interested in buying for £50, and have just advertised a couple of other bits on fb. The garage is a complete dumping ground,we havent got anything up the attic so it all ends up in there. Im feeling a bit brutal at the minute and really want all our clutter gone, eb4y or bin or charity shop. Threw 5 black bags of rubbish yesterday from a small corner in the playroom, made me wonder how much id have if i did the whole house!!

Siouxsie32

Afternoon OAers How is everyone today? I wrote a post a few days ago but it seems to have disappeared. Wasn't very interesting so you've not lost out on my literary wit:)

I did a supermarket sweep on Saturday so my fridge is full and there's still money in the budget! I also bought a slow cooker - I love it!!! There's currently a Quorn Bolognese sauce on the go for my pre-work dinner. I'm working the night shift tonight so hopefully I can catch a few zzzzs this afternoon while my dinner cooks to perfection!

No more spend days planned for this week, but I have a night out on Saturday (and potentially one on Sunday as well, though that is budget dependent!). Only 10 more days of October - yes, I'm another who can't wait for payday to kill off the final £760 of my current debt challenge I thought of you the other day Kat when I was browsing in TK Maxx admiring the PJs. It must have been around this time last year that we discussed buying PJs and setting up camp in our houses til the debt was cleared. I have to congratulate us both as, vacationing aside, we've both done a great job :beer:

So, are we ready to batten down the hatches again next month (yip Kat, it's definitely our anniversary ). November always seems such a long month - the bridge between Autumn and Christmas...and I'm always skint in November! Let's finish October first though

lilian1977

thriftylass wrote: »

What is your First direct target, is that a rainy day fund. Does that not work as an aim? Can't you tell yourself you can't spend (much) till you know you got a three month salary cushion as a safety net?

YES - I will do this. Thank you. Will have to restart in November now though as I have well and truly !!!!!!ed up this month by buying loads of wooden toys for DS. Am about to take a load of Primarni stuff back though and have £20 of rail vouchers due to me following a delay at the weekend so will help pay for the annual cost. The only problem with that target is that you can only amend your payment over the phone and you can only make one payment a month, so I would have to have a siphon fund where the cash would sit until a few days before the payment is due, then I'd have to phone and amend it. Doable though.

Siouxsie32 wrote: »

So, are we ready to batten down the hatches again next month (yip Kat, it's definitely our anniversary ). November always seems such a long month - the bridge between Autumn and Christmas...and I'm always skint in November! Let's finish October first though

November is going to be MY MONTH!

lilian1977

Superdopsa wrote: »

I have a banana and sultana loaf in the oven. There has been a lot of chat about peanut butter cookies on here. I have had a look on the internet for recipes but does anyone have one to share?

Hope everyone has a good Monday and will check in again tomorrow.

From my friend's blog - these are amazing, and so simple - my 2 year old helped me make them!

http://www.rosiebakesit.com/2013/10/peanut-butter-cookies.html

TiptoesDB

SFD day 14 for me on this rainy murky Monday yeay!... just home from work and about to pop tea in the oven (home made wedges and chicken for OH and a Jacket Potato for me) and do a bit of yoga whilst it's all cooking and I wait for OH to get home from work.

We've been on our debt repayment for about two months now, and I've not really had a 'down day' yet, but this afternoon I did start to feel some resentment / irritation / frustration about it, which I hope does not grow. It's not the here and now that makes me want to spend money, I am actually really enjoying not being a slave to the supermarkets, clothes shops, 'gotta have it' like I used to be, it was more frustration at the bigger things - that we can't afford to buy a house, that we won't have a holiday or be able to make choices about having a family and so on that got to me today. Seeing my siblings at the weekend (with their big houses and lovely children) didn't help me feel good. I know I earn more than either of them, and their partners, but here we are in our little rented house with no way of affording a family. I think I was also feeling sore as a big chunk of it was not my debt and that I didn't even have the fun getting it!

But, I am feeling a bit better now (and that little rant also helped) and am continuing to try and see it as a challenge (boy, do I love a challenge!) and continue enjoying stepping off this crazy consumer treadmill and not need to spend, spend, spend...

Sorry to bend your collective ears! Am going to downward dog my way to calm now... deep breaths