Just Say NOvember 2013!!!

thriftylass

Well, i wont make our savings target of 25% next month. The MOT etc came to 200 quid, which i had ready separately. However, road tax of £280 is also due and will be taken frim the savings as OH first wants to see how December goes and then he might put some money back in the savings. Mmmhhhh........

EyesWideOpen

NinjaSavingKat wrote: »

Confessions - I think I got flashed today by a speed camera as I came out of a junction infront of a car travelling faster than I thought it was. Sped up to get out of it's way as it immediately changed lanes as well into my lane and go flashed. Not sure if it was me or him but I think it was me. 3100 fine and 3 points - GREAT!

Sorry to hear this NSK. Hope it wasn't you!

NinjaSavingKat wrote: »

EyesWideOpen... I just read back on all the posts properly.. I cannot believe it was £3.99 for baby wipes and you only got 24 of them??? What a complete joke.. you are right, they are taking advantage of parents who don't want to wander to far from sick kiddies so will buy them anyway. Disgusting if you ask me. How is bub today?

Thank you NSK. I really felt angry about it, still do but what can you do. Bub is much much better though she has been quite poorly and lost weight. So we've been in and out of hospital for tests and medication.

This leads me on to confess that I haven't been able to check in or read as much as I wanted. I have, however, managed 17 SFDs which is okay considering all the drama. I won't make the 25, obviously, but feel this month has been a good first attempt at the challenge nonetheless.

I've also kept up the MSE ways by reading a book about some women who stopped shopping for a full year. I lent it from the library no less!! Go me! It was thought-provocing and a good read alongside the challenge I think.

I'm gearing up for next month!!

clippy_girl

so update time-

SFD 12/25 :(
Food 80.81/£100 :beer:
Donation 3/£3
Lunch- lost count but everyday so far :A
Declutter 30ish/20 :A
make £80- £250.96/£80 :j:beer::money::eek::T:A:

sfd keep being broken from buying sweets

but money made is excellent :T

PiggyBankShaker

Petrol £80.77 / £67.50
Groceries £232.29 / £200
'Outings' £33 / £30
Food Bank £3 / £3

Unbudgeted spends: Me £21.75 / OH £80.91

--

Lunches 16 / 18
SFD 18 / 25
Declutter 3 / 20
Make extra £126.87 / £80

tennisfanatic

Was tempted to go to c0op tonight to get chocolate and wine after busy day at work, but resisted as I really wanted another SFD and i have eaten lots of cake this week so thought the diet could go without it....not long to do with NOvember....just keeping plodding and looking forward to whatever Kat dreams up for december

SFD20/25
Lunch to work 16/18
Food £93.44/£100 (including foodbank donation)
Foodbank £3.59/£3
Toiletries £3/£10
Moneymade £7.09/£80

TiptoesDB

Chin up Kangadoo.. hope you feel a bit better for your stomping!

Not much to report here, SFD. Counting down until Saturday when DH gets paid and we move the money we've saved this month on the cc. Bring it on. Do we know how to party or what?

Over and out

LoveaDove

Fyggy- A HUGE CONGRATULATIONS on nabbing the job!! Super pleased for you! Well done! :j:j

TiptoesDB- Thank you so much for the running support! I genuinely appreciate it, running in public is really not something I am all that comfortable with, but I do enjoy a challenge- so your cheering has made me feel more determined not to quit!

EyesWideOpen- I hope your lil poppet makes a speedy recovery and starts to put on some weight. It must be very worrying for you!

Well done on the 17 days, and keeping one eye on the MSE mindset despite recent events! What was the book called that you have been reading it sounds fascinating?

*Squishels* -To those that need them.

So I have just had work today and a friend over for dinner so another SFD.

Total SFD's = 22

1 More Sleep!! :beer:

Fmess

Evening all,

Spend day as expected, I bought lunch at work (first one all month ) and got a Christmas gift at the shopping evening (but spent less than £10 )

I transferred the money from OHs account and added it to a cheque I got in the post at the weekend, so paid another £95 off the ccard Got another tutoring sessions tomorrow so that's another bit of money to pay off the ccard too I'm hoping to get to the 10% paid off my debt by New Year, and I'm really excited

Lots of smiles today

Well done to everyone on their NOvember efforts, hope you will all be here next month? I'm looking forward to seeing the contents of the December challenge. I've started reminiscing about the change in my attitude towards money and I am feeling proud of myself. I feel financially responsible for the first time in years

Kerfuffle

Hi everybody

his missus - I hope you're not feeling quite so meh today.

Another SFD under my belt today :T, and I've donated another 2 items to the charity shop ( a single size duvet which again I was able to get laundered for free at work :T:T, and a ceramic toothbrush holder).

So scores on the doors are:-

Food 221.60 / 187.50 118.19%
Petrol 156.88 / 225.00 69.72%
Local food bank 4.28 / 3.00 142.6%
Hair 56.25 / 62.50 90% (Cut, colour and tip)
Works Xmas Party 0 / 3.25 (Raffle contribution - goes to local charity)
Dentist 18.75 / 18.75 (Had my appointment and no costs were incurred so 12.50 has gone to a gift contribution and 6.25 has gone into the Mortgage OP Pot.)

Total 457.76 / 500.00 GBP 91.55%

SFD 20 / 25
Declutter 18 / 20
Extra money earned/made 0 / 80.00
Misc Spends 70.79 / 0
Kilometres:
Start of challenge figure 93008 }
End of day 26 figure 94767} driven 1759k (come back with this)

fyggy

TiptoesDB wrote: »

Fyggy well done! massive congrats!

clippy_girl wrote: »

well done fyggy!! :T:beer::j

PurpleJay wrote: »

Hi All and Well done Fyggy :T

thriftylass wrote: »

fyggy congratulations!!!

TiptoesDB wrote: »

Fyggy well done! massive congrats!

Maisie_M wrote: »

Fggy well done on getting the job

Fmess wrote: »

fyggy CONGRATULATIONS on the job

apple_muncher wrote: »

Fyggy Congratulations on the job!

CrazyCatLady1 wrote: »

:T Congrats on getting the job Fyggy :T

Kerfuffle wrote: »

Congratulations on getting the job Fyggy.

NinjaSavingKat wrote: »

A massive CONGRATULATIONS to Fyggy! Well done!! :T.. This is what the debt busting monster in you wants to here... When do you start?

karmachilovething wrote: »

:jCongratulations Fyggy! :jHope the new job is all you want in mind, soul and bank account!

rosiecheeksblossom wrote: »

Hello one and all
Well done and congratulations FYGGY on your new job:T:T:T:T:T:T

kangadoo wrote: »

Finally, well done Fyggy! Great news to go into a new month with! :T

clippy_girl wrote: »

well done fyggy!! :T:beer::j

LoveaDove wrote: »

Fyggy- A HUGE CONGRATULATIONS on nabbing the job!! Super pleased for you! Well done! :j:j

Hey guys! Thank you so much for all your many well wishes to my exciting news! :T

I will hopefully be in post by 6th Jan or the week after. Going in today to tell them. Putting my notice in end of next week all being well.

The job is a promotion as such. But, I'll actually be worse off! My basic should go up £2k p/a but I do 75% of my working hours during unsocial times- weekend, nights BHs etc, so I actually will get about £150 PCM less than I do now. However, in the long run this is better as I have room to progress up the payscale, whereas now I'm at the top with no payrises in sight. And moreover it's the job I've always wanted to do!

I'm going to sign up for bank and agency so if my salary is too drastically low or I just get a £1k payrise I can do additional work if needed as where I work currently is very specialised and pays well to agency. For the first time in my working life (15years) I'll be working normal days and normal hours. How weird! NHS staff for you!