Just Say NOvember 2013!!!

Avogirly

Oh and back on topic....quick update!

Today is my first spendy day today. But I shall keep it to within my budgets.

I'm LOVIN this challenge!

his_missus

Avogirly wrote: »

So today I'm trying to convince my OH that we don't need to spend a fortune on Christmas presents to each other this year. I want to cap the spending to £40, but I'm not sure he is convinced.....:mad: My family are great as we do secret santa and have a £30 limit on that gift. I would love for OH to be a money savvy as I am....It's taken him over a year to sort through his papers with the aim to reclaim some PPI. :eek:

Any tips on how I can get OH on board more, or should I let him spend what he likes and just cap my spending to £40.

Thoughts please lovely DFW's!!!:D

My Oh is similar. We've agreed the holiday we've booked for Feb is our main Christmas pressie and we're just going to buy something(s) for us to open on the big day. I assumed a budget of £50 but he clearly has something more expensive in mind. When I insisted we spend no more than £50 on each other, despite him clearly having a specific pressie for me in mind, his reply was "Oh well, I guess the cats will be spoiling you this year then" :wall:

I'm sticking to the £50 budget and the cats have clubbed together a pound each and bought him a £5 book :rotfl:

Will his present budget come out of your joint money (if you have it) of from his own wage/spending money? My Hubby will be using his personal spends so it's his loss if he spends too much on me and can't afford a night out later on.

thriftylass

Avogirly wrote: »

So today I'm trying to convince my OH that we don't need to spend a fortune on Christmas presents to each other this year. I want to cap the spending to £40, but I'm not sure he is convinced.....:mad: My family are great as we do secret santa and have a £30 limit on that gift. I would love for OH to be a money savvy as I am....It's taken him over a year to sort through his papers with the aim to reclaim some PPI. :eek:

Any tips on how I can get OH on board more, or should I let him spend what he likes and just cap my spending to £40.

Thoughts please lovely DFW's!!!:D

Wish I could give advice, but it took me ten years :eek: through slow and gentle nudging to get OH to where he is now, i.e. shopping round for insurance deals, actually saving money rather then living in the overdraft all the time, to plan a meal so that there are left overs for us etc. and I am still not finished with him :rotfl:. Not sure what he will do for other peoples christmas, but I know I get mine (a useful much needed winter coat that will last years) in the Amazon sale bought with vouchers he earns through his work, that's my boy :T

Is the debt joint? Does he not see money not spend on christmas is money off the debt and an earlier DFD?

MrsGSR

Avogirly wrote: »

So today I'm trying to convince my OH that we don't need to spend a fortune on Christmas presents to each other this year. I want to cap the spending to £40, but I'm not sure he is convinced.....:mad: My family are great as we do secret santa and have a £30 limit on that gift. I would love for OH to be a money savvy as I am....It's taken him over a year to sort through his papers with the aim to reclaim some PPI. :eek:

Any tips on how I can get OH on board more, or should I let him spend what he likes and just cap my spending to £40.

Thoughts please lovely DFW's!!!:D

Do we have the same OHs?
I've only just convinced mine that we are not buying each other anything and that the kids gifts are capped at no more than £60 each.
Mine has only just done his PPI claim and I have had to take bank cards away from him so he doesn't keep just buying "stuff" :mad: our freezers and cupboards are full so stop it god damn it.

I would almost be inclined to say well spend what you want I'm only spending £40 :rotfl:
Sorry i can't be of more help.

Avogirly

Thanks for your comments hismissus, thriftylass and Mrs GSR.

Our debts are separate, although I pay £400 each month into our joint account to cover food and household spends. I use our joint account to do the shopping and I budget for that. The rest goes towards our flat that we rent out. (We currently live rent free at my parents, in an annex they converted for us).
He has got a bit of debt, but I'm not sure what the exact figures are, he hasn't told me. Men, huh!!!

I think I'll stick to my £40 budget and if he chooses to spend more then I can't stop him. I know that my presents will be well thought of and have meaning. I hope that he soon has his LBM as we would really like to buy a house in the future but not whilst I am in debt.

I'll keep chipping away at him!

stewby

I know it isn't a major thing for other people but I am feeling a bit proud of myself today.


Was reading the glitches last night and they were saying that tescimos have finish rinse aid and the freshners at 3 for £2 instead of 3 for 2. freshners (which I normally use) is normally £2.50 for one.
:eek:

However, it lasts about six months in my dishwasher... so I thought about it overnight and decided that as much as it is a great deal, we don't really need it. So we aren't buying it.


I have seen something that I wanted but didn't need and as a result I have decided not to buy it.
:j

So spend free day number 5 today.
:dance:

thriftylass

Avogirly wrote: »

Thanks for your comments hismissus, thriftylass and Mrs GSR.

Our debts are separate, although I pay £400 each month into our joint account to cover food and household spends. I use our joint account to do the shopping and I budget for that. The rest goes towards our flat that we rent out. (We currently live rent free at my parents, in an annex they converted for us).
He has got a bit of debt, but I'm not sure what the exact figures are, he hasn't told me. Men, huh!!!

I think I'll stick to my £40 budget and if he chooses to spend more then I can't stop him. I know that my presents will be well thought of and have meaning. I hope that he soon has his LBM as we would really like to buy a house in the future but not whilst I am in debt.

I'll keep chipping away at him!

Yes stick to your guns and maybe tell him the reason is you are dealing with your debt and want to do it asap for your joint future. I hope if you are open about it towards him he'll share soon too. At the end you are a couple and in this together especially as you'd like to buy together soon. My OH was like yours, I knew he had some debt but I never knew how much for years, till I finally managed to sit him down and say look now I'm working too (after I finished studying, before that I just gave him a token amount towards bills) I'd like to pay my fair share of the bills but I can only do that if I know where we both are financially. I'm glad we only bought together two years ago as before I would have felt uncomfortable sharing that responsibility without knowing his finances (we're not quite married yet but will always have physically separate accounts, but now know roughly where the other stands and I do the joint saving etc) Hopefully he'll have his LBM soon. Good luck

Siouxsie32

Aaargh Kat, you mentioned the S word :eek: Seriously, why are these beasts still around? I mentally prepare myself each September cos that's their mating season and that's why you see so many big ones, but it's November!!! Get lost spiders! I got seriously freaked out by a whopper (my neighbour works with animals and even he was surprised by it...yes, I had to call him to rescue me ) and then I saw another last week that I thought was a piece of wool on my jumper - jet black thick legs! I'm desperate to de-clutter but a bit too terrified to move things in case anything is lurking :eek: I'm torn between moving house (yeah, they're that big...might have to move to a high rise flat ) or staying here cos I have a fearless neighbour on call?

Anyway Kat, regarding your house move. Would your landlady consider using your deposit as your last month's rent? That would save messing up your plans and you could use what would be your last month's rent money as a future deposit. She seems lovely so may be open to the suggestion.

I had a day of work carefully planned and I got a message last night asking me to do it next week instead so I'm still in bed (it's warm there!). I usually use my Oyster Card in and around London, but I had some redspottedhanky vouchers (courtesy of this very website) and was super organised and had my transport for today paid in advance :money: yet :mad: cos now it's wasted. The company changing my plans have agreed to pay for my transport next week though so it's not really lost.

I'm going to waste a SFD by taking the car to yoga later. I should use my free train ticket that I already have but it takes 90 minutes to get there by public transport and it's a 20 minute drive. £1 at the parking meter will be worth it's weight in gold after the class when I'm hot and sweaty (which will quickly turn to cold and sweaty, yuck!) and have another 90 minute commute home. Knowing my luck I'll probably find £1 in a locker (if I do, can I count it as a SFD day?).

Yesterday was almost a SFD - filled up on petrol (still happy at 128.9p per litre) and picked up a few groceries using a wombled voucher and a money off coupon but I had to use cash to post a gift to my niece (already had the gift, was just waiting for a spend day to post it. As it turns out, it would have been a SFD otherwise but never mind).

So, with yesterday being my first spend day, I have clocked up 4/25. Hoping today can be 5 if I find money in the lockers (a serious perk of exercising at expensive places - the other yogis are so rich, they don't care about the £1 in their locker. I have a routine of showering (free hot water :money:) then looking in all the lockers when everyone's gone I have no shame, and more often than not I find something!

My NOvember figures so far....
SFD: 4/25
Food: 0/£100
Petrol: £50/£50
Misc: £2.60/£100
Extra Money: £23.11/£80

PositiveBalance

I've been really busy, so I haven't been here to update much. I'm busy now, so I'll be back later, but if I didn't say anything else I won't make myself return!

See you later!

luckystarr

Hi Everyone,

been at work since yesterday and not had chance to read all of the posts but what i have seen you are all doing amazing.
Managed two more SFD so i am very happy with that :T ..will have two spendy days this week :eek: (budgeted for) but unsure i am going to make the full 25 but will keep at it .:D
Will check in again tomorrow.. keep up the good work !!!