Just Say NOvember 2013!!!

stewby

So... today is spend-free day number 15!!


Current thought is that if I don't spend ANYTHING!! until December then I will get to 25 spend-free days.
:eek:

I have my holiday but that is all budgetted for so that should be 5 spend-free days without any trouble at all.


I have three more shifts at work on thursday, friday, saturday so that is another 3 spend-free days. Which gives me 8!!

So I only have to find another two... and I can't figure out my maths but it all seems to be adding up right but then not if that makes sense.
:doh:

If I only spend my holiday budget and nothing else until December 1st then I will achieve my 25 spend-free days. Go me!! You can do it!!
:j

Today is another spend-free day. Hooray!!

NinjaSavingKat

So I have finally managed to buy my passport pictures. I had to also get my British passport ones as well to the grand tune of £17.98. With which the lovely man called Sunny gave me a brand new scarf to match my outfit as he was treating his customers today! Whoop! Still a spoiled SFD but needs must.

I have been branded the Pied Piper of Mischief by a colleague because I seconded a motion for those not interested in tomorrow's "team building" wine and cheese afternoon being able to leave early.... Wasn't really gonna stand there and tell them I wanted to get home to see The Hunger Games before it got to late and too many people took up the best seats...?

Anyhoo. I am off to see this house... fingers crossed!..

P.S... lovely flirty boss heard I was leaving or was thinking about it. He looked genuinely upset.... at least I know someone might miss me... :rotfl:

MrsGSR

Hope the house is all you want it to be Kat :-)

plymouthscubagirl

Good luck with the house Kat. I'm off around my friends tonight to watch first Hunger Games as neither of us can remember how it ended and we want to watch the new one next Wed (241)! Even taking microwave popcorn!!

LoveaDove

Why Hello My Fine Feathered Forum Friends!!

....That's a bit too much alliteration for anyone's liking so I must apologise for that OUTBURST

Oh dear, I think this changeable weather definitely translates into my gibberish... Anyway,

The last 2 days (Monday & Tuesday) were spend free days.
Just a fuel top-up and work, and another attempt at 'jogging.' En-route we stopped at a pub for a beer, haha, not really, but we did stop at a pub to enquire about their New Year's Eve activities. We then managed to cover another couple of miles before another pitstop at...a betting shop- where my friend placed a small bet on the England match (it was 7.58pm!), she'd lost money in the supermarket earlier in the day- left it at a self-service machine, and hoped she could win it back. We then half-heartedly jogged the last mile and a bit- stopping so I could show them an unusual geocache (sink tap converted geocache). Hopefully Thursday's jog will be more successful. :rotfl:

Total SFD's = 17 :T

Today has been a spend day. I have: Purchased and deposited £3.61 worth of food to the Food bank, paid my lovely Council Tax for the month, picked up some shopping for my ma, and couldn't help myself but pick up some more items for my Crafty Christmas presents. They are very nearly complete! :T But it does mean I have eaten into my December Christmas present budget boooo

Date night with the OH this eve, movie and tea at his. Rock and Roll!

Happy Hump day everyone, the count down to Pay Day/ Debt Free Day Commences....T-Minus 8 Days :j

NinjaSavingKat

Quick check in as I'm at the cinema for The Butler if my friends agrees..
House wash unsuitable. 4 people already there ( including the Mum of one of the boys ), and Dorothy would have to stay outside all day??.. No thanks. I left and advised them this information would have been better provided prior to wasting my time... I'm kidding I was nicer than that but I'm a little annoyed. At least I've ruled it out!

PheoniX

Avogirly The peaks and troughs are par for the course of this debt busting journey but keep your chin up and think how far youve come! :T it's comforting knowing we're all in the same boat bobbing about on the debt free seas

NSK in response Abundant to your question my desire for a house is many years away. First I need to accumulate £10,000 and hit the road for a few years - see where that takes me first...

NSK With you being on the verge of settling your debts and needing to save £10,000, we are pretty much on the same page so you will have to stick around with these challenges for a little longer yet :j :T

Originally Posted by Kerfuffle
Re Extreme Cheapskate - I wouldn't say I'm extreme, or a cheapskate, but I will admit to be a penny pincher and frugal. I think it's all relative to how you've been brought up and your experiences in childhood.

I wish I could agree Kerfuffle I was brought up with good working class morals and values. My grand parents worked hard and went without for long periods while they saved until they could afford to buy quality things that would last them years and years.. And equally, during my childhood, I saw my parents struggle with money, for example, during the miners strike and even though we were in receipt of ration type food bank boxes they still scrimped and scraped to get me my first bike for Christmas at that time..

I just don't know where I went wrong I was 'financially independant' from a young age as I did all kinds of jobs on weekends, evenings, summer holidays and on occasion before going to school. I think this taught me that 'I could have whatever I wanted because I had the money'.. but somwhere along the line that changed to 'I could have whatever I wanted whether I had the money or not'

I have thought of my grandparents and parents experiences a lot during this journey and I have found that I am finally learning about the true value of money and what it really means to have to survive on little expendible income.. It took a while for the penny to drop but I'm so glad it did!

his_missus

SFDs - 8/25
Groceries - £146/ 240
Lunch to work - 13/20
Declutter - 20+/20 items
Earn - £21.25/80
Toiletries - £3/£10
Social - 3/3
Xmas - £135/£150
CC Paid in full

Another SFD

shyspender

Finally got ten minutes to catch up and check in

Another spend free day here for me which brings me up to 18. I had to get fuel and was even MSE enough to try and find the cheapest petrol station near to me. Well, I looked, until I left for work and saw that the little countdown thing in my car was on dashes already. So I made it to work ok, and was going to try and get back to my home, but decided better to be safe than sorry so went to one near work insteady.

Also got my check today from webuy so I finally have made/earnt £21.02!!!

I was going to go and get some fruit from the supermarket after getting fuel but decided that the tinned peaches will last me until the weekend. I 'm hopefully going to go to a big market and get lots of fresh stuff in. Saturday should be my third and hopefully last spend day.

I've been swamped with work and not had the energy to type any updates and it doesn't look like it is going to be getting any better for another week or so, but, onwards and upwards!

PurpleJay

Evening All

Hope you are all well. I can't believe people still don't have their heating on! I had to scrape my car windows yesterday morning. Ours is on a couple of hours in the morning and then during the evening. I need to have a look what it is set at, as husband fitted a complicated thermostat with lots of settings and times and I don't know how it works! I have been meaning to ask him for ages. It was fitted when my mum lived with us so that it came on in the day and night if it dropped below a certain temperature. We turned down the rads in the rest of the house.

Not really got to grips with what fuel we are using as NP billed us wrongly for ages (they mixed up the day and night readings)! This has now been sorted and we are supposed to be paying some back over 3 years as we had been underbilled. They wrote some off too. We now pay £125 for gas and elec and have had a standard meter installed which they said would be better for us. Will be shopping around once the debt is paid back.

Yesterday I went to a massive Tesco Extra and went a bit mad! The grocery element was £85 plus 3 bottles of wine taking it up to £100. I have adjusted my totals. I also bought a 10.5 tog duvet and new pillow for the boy and quite a few christmas pressies/stocking fillers. And some socks/pjs for M. All my savings pots have been adjusted accordingly. I just hope when my bill comes I still have enough left to pay my credit card in full. Have lost track a bit but should be ok.

Today ended up being a spend. £1 on cakes for M as I forgot to buy any yesterday and won't have time to bake before the weekend. Plus I have a cold and sore throat and bought lucozade and throat sweets. My boy is complaining it hurt to eat his tea so he has had hardly anything to eat and I have given him some medicine. He is watching Dr Who with his dad and when it is done, we might go upstairs early and read. We have just started Harry Potter book 6

When we got in today after school, M did his homework while I got tea ready - pasta with sauce base from the freezer bulked out with mushrooms and a tin of adzuki beans. We cleaned out the ratties so they had an early run round in the conservatory so we don't have to get them out now before bed. We have 3 boys and they are lovely. They are about 6 months old. Its cold now though when we get them out - we like to let them have a run round every day if we can. I have a little fan heater which we put on to take the chill off in the conservatory and then me and M often sit with blankets and dressing gowns on while they taz about and climb on us!

Not sure what is for tea tomorrow.. maybe bacon/egg/chips Hoping for a spend free day. I need to post some ebay things and get fuel but that should be it.