Just Say NOvember 2013!!!

thriftylass

One more sleep, YAY.

KittyBoo_2

Siouxsie32 wrote: »

My understanding luckystarr is that unless you use vouchers to pay for the entire amount or you buy only yellow stickered stuff then you count it as a spend day - plan, plan and plan some more!

Sorry to sound daft but why don't yellow stickered items count as a spend day if you still have to spend money to get them?

NinjaSavingKat

Kittyboo because you can get a whole basketful for a few pounds and it's teaching people that yellow sticker items are nothing to be scared of and a great way to save money. It's difficult to get all your shopping as yellow sticker anyway so it's not going to wrack up to many SFD days for people...

PiggyBankShaker

Hi all, especially NinjaSavingKat,

Please count me in. Just what I need, nice kick up the behind.

Thanks

ItchyFeet

Count me in please! Missed the start of last month's so looking forward to it.

lilian1977

Oh. My. God. I've been struggling as it is with the 20 SFDs! But this month I need to have some quiet time before Christmas - so I am in!

Eek.

kangadoo

Count me in, please! Just need to work out the minimum I can spend!

Toomuchdebt

Right here's my budget(I think-started a new job this month so not had a proper wage packet yet so am hoping all this works).I'm working tonight till 10 so will be too shattered to work this out later.

0/25 - sfd(not sure I can manage this many but will try)
0/550 - grocery budget-it's a 5 week month-this is for me and 5 kids and pets(5 weeks for me as I get money every Sat and there are 5 in November)
[FONT=verdana, geneva, lucida, lucida grande, arial, helvetica, sans-serif]0/250 - diesel(this is only for school and work and shopping-I hate my car but till the finance is paid off I can't sell it [/FONT]
0/150 - Presents-birthday and some xmas-will try and use vouchers and staff discount
0/3 - Food bank
[FONT=verdana, geneva, lucida, lucida grande, arial, helvetica, sans-serif]0/1 - Outing -am taking 2 of my girls to a 30 seconds to mars concert as xmas presents -paid for-just travel to sort out now[/FONT]
[FONT=verdana, geneva, lucida, lucida grande, arial, helvetica, sans-serif]0/5 - emergency[/FONT]
[FONT=verdana, geneva, lucida, lucida grande, arial, helvetica, sans-serif]0/20 - items decluttered[/FONT]
[FONT=verdana, geneva, lucida, lucida grande, arial, helvetica, sans-serif]0/80 - make £80[/FONT]
0/757.87 - bills

debt repayment to stepchange will be done when I get paid on 28th Nov -as I don't know what my wages for a whole month will be I am estimating 400 plus 180 car repayment(I hate that part)

Have I done it right?

katrss7

Apologies - just realised November starts this week (doh) and am away this weekend too - have therefore updated outings budget to:-

4 outings (already committed) - wedding, and trips to Manchester, Sheffield & Whitehaven - budget £200

I hope that by declaring and budgeting beforehand that this will be ok

apple_muncher

Somehow, the mention-albeit by mistake- of 29 NSD make the November target seem almost achievable!!