Debt Destruction December!!!

Mountaingirl

My son does warhammer too sploge - very delicate work to paint.

Had a SFD today, so 7 in total. Tomorrow should also be SF or possibly low spend if I end up having to put a bit of petrol in the car.

We are definately pulling ourselves together here now.

Fmess

tiptoesDB Poor kitten, hope she is better soon!

SFD number 6 today Also took lunch to work and did a tutoring session

Tomorrow is food shopping day so will definitely spend but will stay within budget

Sorry for all the brief posts recently, work is crazy and I'm always knackered. Bring on the holidays!

Habibiboo

:wave:

Another NSD, so now over half way there 8/15 ~ I suspect the next few days will involve some though as there's still some Xmas shopping to do!

I'm with everyone else on the munchies thing though ... what's happening there? I'm sooooo hungry ~ I had two lots of porridge today, must be turning into Goldilocks!

Hope everyone's OK!

cottage_retreatist

hello guys! i get contact lenses but i get them from an online place and they let you put in your current brand and recommend their own - they are brilliant!!!! (i don't work for them!) i get daily disposables for a tenner? for 30 pairs e.g. a month's supply? yay!!

And do you make sure you get a work voucher so your eye test is free? Opticians have to give you a written prescription so don't feel tied down to a particular one!!! I found some great online deals for glasses recently too!!! Um - doubt i can post it up but if you're interested i can tell you via private message? PS - not an online glasses/contact lense seller i promise!!!!!

well - anyway! sorry about the contacts spiel!!!!

today was a good day! phew! but i agree - all i want to do is eat at the moment - but not healthy food - the stodgier and greasier the better - did anyone say fish and chips for supper? oops!!!!! but very tasty!!!!!!!

xx

CEW

As promised a quick daily update.

Yesterday was a spend day so still only on 3 SFD for the month. But As we needed fuel Indid make good use of the day and did a grocery top-up shop for milk and a few other bits, paid into a leaving gift for a work colleague, paid my weekly football predictor fees of £1 and bought a 50p paper for the £5 Aldi voucher which I wll use on the weekend.

Works Xmas do tonight but completely free so didn't bail out. Been with the company or over 6 years and this is the fist one I've booked to go on - not really my scene but kept getting pestered to go. :eek:

Hopefully today and tomorrow will be SFD's but Sunday won't be. Intend to do a reasonably large grocery shop to include food for hampers for pressies and Xmas goodies. Also aiming to buy the remaining pressies on line and in store. These will come out of Xmas budget which was somewhere around the £750 mark but should come in under £500

Have a frugal and happy Friday everyone.

Chez x

BlueDaisy

Just a quick checkin to report we are on track for NSD number 8 today
Don't have the exact figures but I am already worrying that we will be over on our grocery budget, BUT I think we will be under for diesel and possibly under for my 'others' allowance. Will keep trying

MrsGSR

Morning,
Today will be another SFD. I did wonder whether I needed to get some washing powder today but I don't want to ruin another SFD, I only needed to do one load of washing and i don't use as much as they suggest so it will keep. I like how SFDs help you discipline your spending and help you to keep track of it. There's a few things I need to get so I will save them for Sundays spendy day.
Turned down 6 hours over time at time and a half on Sunday yesterday as it clashes with me taking my DD to see father Christmas, I feel that is more important to share experiences with my children and I am doing 5 hours over time the next Sunday which will be going straight to the CC .
Starting to think about planning for next year, I want to save in 3 accounts sealed pot, £365 in 365 days and the kids account for Disneyland but also I have car tax and swimming to pay for in the new year. Best get the paper and pen out and make a plan!

NinjaSavingKat

:xmastree:HELLO EVERYBODY = 11 days and 14 hours to CHRISTMAS!!:xmastree:

I love this time of year I truly do! Stewby I will have worked 13 days straight come Sunday morning so I know how you feel but if that extra work is offered you are duty bound to take it .....especially if you are not going to list for figures for us...:o

So the iPod I have purchased is on it's way this morning (says she who has just chastised a fellow Hobbit for spending) and shall arrive on Saturday ..AND that archery lesson / trial in January has been booked. I feel very positive about it.

Once I have mastered the art of hitting a moving target I am going to borrow a horse and rent myself out as either a centaur from The Lion Witch and The Wardrobe, a special take on Katniss Everdeen (dare I say my last name with my first resembles Katniss) that fights debts not The Capital or simple a wannabe Zombie slayer with nowt better to do that play with childrens toys and steal horses.....:rotfl:

So this weekend is super busy for me.. although it aint't all work. My friends husband is back from his aid work with ADRA the relief agency in the Phillipines and we get to grill him (nicely) on what it's like - it will put a different spin on my cushty life over here.... (donation made by the way)... I have also set up a DD for them (ADRA) for £10 a month as a small something that goes "back" in thanks for my good fortune so to speak... anyway we are having a pre-Christmas Christmas lunch together on Saturday after church, then an overtime night-shift, then sleep, then the Hobbit movie, then home to pack followed by an early shift with the Olympia Horse Show afterwards with DueSouthTwin who got free tickets (who raises her head now and then on my pesonal thread)... THEN HOME ON TUESDAY MORNING!!! :T

However I have been wittering with the cute boss in his hideously patterned Christmas penguin jumper and now have a meeting so I will check in later today and hopefully over the weekend... tempted to hit Primark for there Christmas Cat jumper - £12..? Will be worn on the flight home...:rotfl:

Bex296

Hi DDD-ers! I have some guilty confessions, though having just sat down with the spreadsheet the doom is not so bad as I'd thought!! Though still isn't too pretty.

NSDs: 5/15 (including today, as although is OH's work do it's free AND has a free bar!)

Spending-
Remaining presents/postage: £62.45/60 (not too bad considering extortion I had to pay to send things to friends/relatives in Canada, Netherlands and Scotland!), though total Christmas present spend including prior to DDD starting is £254.53, and my original budget was £220....
My spends: :eek: £113.32/80 :eek:
Christmas decorations and related paraphernalia: £64.49/50
Diesel: £106.01/215 (though actually, some of my spends (above) have come from diesel pot, so total spending is still under budget but some liquidity between categories seems to have occurred....!)
Food etc:£157.70/180, though given that we have another two shops to do this month, I suspect it will end up going over so I'm guiltily revising the food budget up to £200 to account for the £40 I have left in the relevant account....

I don't really have any good excuses for the excess in my own spends- it's mainly because I bought an un-budgeted for new pair of shoes for OH's work do (it's not so free now I guess...) as my faithful pair of beautiful black shoes-for-most-occasions have finally given up, with a snapped strap and a large hitherto-unnoticed scuff rendering them unsalvageable. Saying that, they've lasted four years and been re-heeled twice, so they don't owe me anything. I also saw some adorable little world map mini hip flasks in M&S, and bought two for friend's birthdays next year (and as they were 3-for-2, got one as a freebie for me too!), which is of course a bit premature and not at all needed in December!! Oops.

Unrelated to anything relevant.... Why on earth are almost all heels in cheapish shops at least 6 inches high these days?? I know this makes me sound old (despite actually being a little under 30), but I'm sure finding shoes I could actually walk in that aren't utterly hideous wasn't always this hard!

karmachilovething

abundant1972 wrote: »

Evening!

Thanks everyone for some great ideas on how to date and minimise spends!!! I think honesty is the best policy, and yes - offer to cook (which I can stay in control of cheaply) and be firm in my resolve!

I can't recommend having the "debt chat" enough. Sometimes (when budgetted) I will pay for us to do things, because he pays for so much and because we've had the chat BF often says "Are you sure? Can you afford it?" :A He's also said he worries about my debt too! :heartpuls

Spendy day yesterday, Christmas bits and B00ts trip. A friend (now pregnant) gave me her persona machine as I want to try non-hormone based contraception, so had to go buy test sticks for it. They're expensive, but I think it's an investment in my health so don't mind too much.

B00ts had a big pile of those famous S0ap and Gl0ry gift sets next to the door. I hesitated and decide since I didn't have a gap on my gift list and I didn't think I'd use it myself I didn't need it, however good a deal it was. :money:

Debating a spend day on not today: I could finish my Christmas shopping, or I could have a SFD . . . hmmm