Just Say NOvember 2013!!!

Fmess

kangadoo wrote: »

Currently cold, a bit lonely and fed up as I'm a bit sniffly, so having a bit of a wobble and craving junk food I don't have in the house (chocolate, pizza, halloumi, anything processed...) I only live a five minute walk from Sainsbury's so it's a real temptation but I've updated my signature to 13/25 NSDs in the hope that's enough to put me off spending! I've had my last remaining biscuit and will have a comfort-food tea of (value) beans on (value) toast and (value) cheese (feeling sorry for myself much?! Never!) and stare at my spreadsheet until I feel better!

In the past I would have ordered Dominos - just realised the cost of one order of one pizza and drink is now almost a quarter of my monthly food budget :eek:

Oh no, big hugs!!!!!! I like the idea of comparing the cost of your takeaway to your monthly budget. Its easy to see why I'm in debt, if I think about how many takeaways I used to eat every month!

Enjoy your comfort food. My choice is pasta, sauce and melted cheese or just pasta and cheese if I have run out of sauce.

Well done on achieving 13 SFDs, that's a great achievement :T

Siouxsie32

Afternoon everyone How are we all today? I don't have much to report really. A few more SFDs under my belt (mainly cos there's not a lot left in the purse to spend :eek: It is my lovely best friend's birthday next week so I must get a card for her (I'm so used to remembering the important dates like when my DDS are due, or when money has to be transferred between accounts that I forget 'real world' dates!) so that'll be my 5th spend day - I must plan it so I do a supermarket run that day if I'm to stand a chance of making the 5 SFD target!

Got a few items ending on Ebay later and there are bids on two items. This should bring my extra money made to somewhere near the £80 target :j

NinjaSavingKat wrote: »

Siouxsie32 - SO SO proud of you! 2 months ahead of yourself. That's amazing. Whats the plan of attack for the remaining £20k..??

I had a rough idea that I need to pay an extra £1300 each month towards this debt to clear it by December 2014 and the Debt Strategy App (sorry, I forget who suggested this but thanks. It's really useful!) confirmed it. £1000 of the debt is a 0% overdraft so that can sit til the 0% runs out (April I think, shall check the exact date and pay it off the day before ) so that only leaves the one remaining loan of £19,109.66. So Kat, to answer your question, my plan is to somehow get an extra £1300 each month and get that number reduced! My first target is to get the loan below £17000 by the end of the year - this year :eek:

TiptoesDB

Stay strong Kangadoo! I know what you mean tho, and I keep some basics hot choc in the cupboard for times like those (I kid myself that this cuts it… it’s ok, but not a dominos or a big bar of chocolate!)

Well, I am a bit annoyed, this weekend seeing friends in Oxford was lovely, but we ended up spending £70, not the budgeted £30, and I am not even sure what on. I mean I know what it was on, as I have got the receipts and have updated the spreadsheet as soon as we got home, but what I mean is, we spent £70, and £30 of that was our share the evening meal, but the rest… just silly things like a cafe stop when having a tour of the town and a service station burger for OH today as he was hungry and so on. It’s so amazing, still, how little bits add up so quickly. I am so hardcore with the saving that I get resentful that others want food / drinks out of the house! That’s it for visits to friends now for the next few months, and there’s not much coming up in the diary that hasn’t been paid for already, so I guess that’s something. Another annoyance was, when we got home and sorted money out from the weekend, we checked OH’s credit card amount which we want to have paid off by end of this year, we realised two depressing things. 1) We have been going on this month’s total minus interest… rats! And 2) for some reason they are still charging him £30 per month PPI although he swears he cancelled it. Sadly he cannot recall when he rang them to do this…. I will add this to the OH’s car tax rebate and the RAC rebate that are not going to get done… grrrr.
One of those two steps back days today!
Counting down to the end of the month to get the next payment off the credit card and to feel on track again…

Hugs people, give me hugs!

Siouxsie32

TiptoesDB wrote: »

Hugs people, give me hugs!

Dodgy looking hug coming up :grouphug:

What a rotten time some of you are having -boo! Hope it all sorts itself out soon. Positive vibes being sent along with dodgy looking hug

Fmess

Evening all,

I am feeling more positive today, yay Hoping that I can continue this at work tomorrow too. Hoping that others are feeling happier too.

Just had SFD number 10 Not doing so well on SFDs this month compared to last month but think that is due to stress and my grumpy mood. I'm hoping for 20 by the 30th

Only 8 days until payday and I can pay off some more debt. I'm so itching to get rid of this debt and wish I could obtain the money at a faster rate.

I'm looking forward to the December challenge, I think its going to be difficult as the month of December is usually my most social of the year by far. I already have 4 nights/trips out planned and getting my hair dyed. Plus there is the extra food shopping and the last of the Christmas presents to buy. Its definitely going to be the most essential time of the year to be on the challenge.

[Deleted User]

sorry to but in, just sold my old dyson vacuum cleaner for £40 - so added to my total....yay

apple_muncher

cowboymum wrote: »

apple muncher[/B] - can your daughter eat oats? I know some gf people can and some can't. We look after a little girl who is gf but can eat oats so we get lots of oat cakes (rough) ones which are not so expensive as the gf breadsticks. Plus masses of rice cakes! I do dabble in a bit of gf baking but haven't bothered with breadsticks.

Thanks for the suggestion cowboymum. Fraid oats are off limits at the mo. Both she and I are coeliac, and I have made some stuff using gf oats, but didn't feel right afterwards, whether from being unused to eating them (5 yrs!) or not being able to tolerate them, I don't know. So I wouldn't ask dd to eat them as she's in her first 12 months of being gf and her innards need to heal! I'll keep on trying different recipes-she tells me my pastry-style ones are the best, but the poor mite hasn't much decent stuff to compare them with! We're lucky we can afford it so far, so I'll keep baking and hope to hit the jackpot soon!

LoveaDove

Hot Drinks :coffee: and Dodgey Looking hugs all round :grouphug:

Alas, it is that sad time of the day/ week...Sunday evening! I hope you have all had a good weekend and are all keeping warm!

Quiet day today. Had little sleep last night due to a high temperature, which seemed to subside by the morning. Popped briefly to shops with OH, I didn't buy anything just looked, in-between periods of feeling sick unintentionally found a geocache at the supermarket which cheered me up! (Geek) Stayed in with a duvet and hot water bottle downstairs and watched a film and played some old PS1 and PS2 games with my OH that my OH had downloaded. Feeling much better this evening but will have an early night with my book with the intention of passing out and catching up on my lost zzz's

Nearly forgot- SFD's= 15! :T

Night Night Folks :A

shyspender

Quick check in because I am feeling dead on my feet.

Had an amazing weekend, really amazing and to top it off, I came in under my entertainment budget. We ate out, which was kind of in the plans so that was the only expense, but was budgeted so still a SFD.

That brings me up to 15 and I don't need to buy anything for a while.

cowboymum

apple_muncher wrote: »

Thanks for the suggestion cowboymum. Fraid oats are off limits at the mo. Both she and I are coeliac, and I have made some stuff using gf oats, but didn't feel right afterwards, whether from being unused to eating them (5 yrs!) or not being able to tolerate them, I don't know. So I wouldn't ask dd to eat them as she's in her first 12 months of being gf and her innards need to heal! I'll keep on trying different recipes-she tells me my pastry-style ones are the best, but the poor mite hasn't much decent stuff to compare them with! We're lucky we can afford it so far, so I'll keep baking and hope to hit the jackpot soon!

Oh yes definitely keep off the oats then. If I have a mad baking session that turns out ok, I'll let you know! Haven't had much luck so far - can just about do gf bread, but I like a challenge! We spend so much on snacks here for our childminded children, I'd like to be able to make something cheap and edible that they can all eat!:T