NSK; "The Janus Illusion".

NinjaSavingKat

Ring out the Old, Ring in the New
Ring Happy Bells, across the snow.
The year is going: let him go
Ring out the false , Ring in the true.

Let The Games Begin and May The Odds Be Ever In Your Favour!

traveller

HAPPY NEW YEAR :j :j :j :j

Lets make this year our debt busting year :T

KittyBoo_2

happy new year
bring it on!!

PheoniX

Wishing each and every one a healthy, happy and prosperous year!

thriftylass

HAPPY NEW YEAR!

was bored last night so just went to bed at ten plus was a bit down about things. So here are my new year's resolutions, the first of which is to be more positive and appreciate what i have. My others are

Loose baby weight by Aug (prob about 14 kg), most of it baby related, worked last time

Save most of wedding money by September, mot and christmas money by December

Get at least £50 in amazon vouchers from surveys

Paint kitchen, hall, guest bedroom on maternity leave

Seed potatoes and clean up "mudpatch"

Declutter toys, maternity clothes etc


Back to work on Friday and I'll do my numbers then. Today and tomorrow should be my first two SFDs.

speakingofart

Happy new year everyone! I'm excited for the challenge to begin... having a very glamorous start to the new year today; spring clean before I go back to work tomorrow

Numbers are below:
SFDs: 0/20
Food budget: £0/£120
Brand downshift: 0/5 (slightly struggling with this; as my pay month runs from the 15th-15th I'm hoping to only have to buy veg etc from now until I go on holiday, so I've decided if I do have to buy anything, I will downgrade it, but I'm not going to buy just to buy value!)
Foodbank: £0/£3
Exercise sessions: 0/15
Socialising: 0/£20
LTW: 0/20

I'm hoping to participate in as much of the challenge as I can; off on holiday 12th-19th so I'll see if I can keep it going while away. Let's do this!

Fmess

Morning all, I've just updated my signature and am very excited to get started

My budgets are already partly spent, my spends budget is nearly all gone but this is because I was paid on 20th Dec and I therefore run my monies from payday to payday, but my SFDs etc run from 1st to 31st. Hope that makes sense.

I don't intend on going out at all this month except to celebrate my dad's birthday (which should be a free meal) and maybe for my birthday (but this is after my next payday).

My financial goals for the year mean that I need to earn as much extra money as possible and cut back on spending further. I am aiming to be 50% debt free by this time next year :j

I have added two personal aims for the month to my signature. I want to give up chocolate so will be keeping a tally of how many days I eat chocolate on and I will be keeping track of extra money made.

I hope you all have a relaxing day today, I'm trying to convince myself to go the gym :j :rotfl:

XSpender

Thrifty lass - I was in bed by 10.15pm! We hadn't planned to but were both falling asleep on the sofa.

I did a food shop on Monday but as what I bought will cover the first 5 days of the challenge I am going to include it and I even down shifted on an item too:) Oh and I bought diesel that will cover the fist week too. Will check the exact amount and update my totals later.

Numbers for me are:

0/20 SFDs - today should be my first:)
0/£130 food budget - lowest I have ever attempted but we are well stocked up
0/£100 diesel
0/5 brand downshift
0/£3 food bank - this is something I am keen to support
0/15 exercise sessions - 10k walk planned for today. Will take a couple of hours but will count it as one session
0/£40 going out, family fun etc
0/22 LTW

DH and I are doing dry January and both hoping to lose a few pounds by cutting out the rubbish and exercising more.

Good luck everyone and Happy New Year:)

lindsaygalaxy

Happy New Year everyone - and happy January! I have the rest of the grocery budget in my envelope ready for the month (did the shopping a couple of days ago as really needed things but counted it under January).
I made chicken in white wine sauce the other night (wine given as a present) and for the first time I chopped up a whole chicken. I honestly hated it but couldnt believe the amount of meat that came from it! It was £5 which would barely get you 2 chicken breasts seperatly. I used 1 breast for the meal, 1 I chopped u and going to make a pie with today for the freezer (chicken and stuffing), and cooked off the legs and wings for the kids lunch yesterday.

I have written down on a spreadsheet everything I bought so I can see where the money goes.

TiptoesDB

Good morning and a happy new year to all! Very excited to get going on a shiny new challenge!

New start and fresh beginnings slightly scuppered this morning. Had planned to weigh myself first thing so I could start on health kick with a target in mind but the scales are broken! Not sure whether I am gutted or pleased! I think there might be a new battery in the house somewhere for them, if not, I am not spending money on one, so I'll just have to guess and go by how loose / tight my clothes are.

Should be a SFD today and not planning on leaving the house so no cafes or anything to tempt us.

Right, off back to have a 'little lie down' as champers and a head cold do not make for feeling perky this morning. sigh.

Hope everyone had a good one last night and is ready and rearing for the challenge!
x

(oh, and when I say champers, I mean cheapo cava left over from the wedding obviously!)