NSK; "The Janus Illusion".

NinjaSavingKat

beckyboo1980 wrote: »

If I spend out these purses does it still count as a spend day even though I have already budgeted for them and put the cash aside in my special purses?

Yes. It got too confusing splitting things into "yes SFD and NO SFD" - so anything spent has to be classed as a spend day sorry. SFD when no money changes hands - vouchers are fine though and points cards etc. I will try and think of something clever for Feb's challenge regarding this as pre-planned kiddies things can be awkward etc..

Edited ; cause I nearly gave you all free reign to hit the shops - Thanks Thrifty for pointing out the error!!

loubylou1982_2

Very quick post from me this morning. This thread moves so fast. Glad to see so many on the debt slaying mission.

Will update my signature later now all debts have been added up :mad:
Can't set a DFD until next month when we have worked out realistic budgets, rather than what we 'think' our budgets should be. I'm really angry with myself that I'm not more in control of this area. I just buy when we need really with no planning or control. Never have I kept a log of what I buy and when so that's going to be useful this month.


SFD yesterday so that's 2/20

Food shopping today to making use of the moc's I have to use. Also taking the kids to a local soft play where we'll meet friends of mine and their kids. This is one of our planned outings this week. These are people I've been friends with since school and I feel really lucky yo still have them in my life and now their kids

Will also be able to donate to the food bank as the shop I go in has a drop off point.

That's all for now. Have a great day everyone
Xx

MrsGSR

Morning,
One night shift down one more to go, huzzah!. Back to normal next week though.The children gave me a lie in till 7.30am so I don't feel too tired this morning. Lovely to see that the weather has got worse AGAIN, only allowed one day of sunshine obviously, even DD is getting down about it and keeps asking when summer is coming and she can wear sandals! Again it's made me feel demotivated to do anything, my heart sank when I read a weather report to say that it's going to carry on for weeks

Today will be a planned spend day as the inlaws want to take the children and I out so I will need to pay for parking, although I guess I could see if we could all get into my car though.

DH is off tomorrow so I am going to see if I can get a short overtime shift in the afternoon so that will be more money off the card.
Still having a bit of a panic about shopping budget though, I need to get DD some bits for packed lunches, I will go to £land for them though, I need to make bread rolls for her lunches too and try and think of some inspired fillings, she has got really fussy again recently.

Still onwards and upwards, today I am grateful for-
-having things to look forward to, e.g going out with friends
- being able to feed and cloth my children
- having a lovely house that is warm
- being lucky enough to have two happy and healthy children, I heard some dreadful news yesterday about a SIDS death which saddened me deeply and my heart goes out to the family.
-having a husband that works so hard for us
-loving family and friends.
-I'm finally getting the help and support I need for my depression.

Really helps to put that stuff down, just shows that things aren't that bad and there is always a way through.
It's not about the money, it's about financial freedom, being in control of it and living in the natural world and not a material world.

NinjaSavingKat

Good Morning one and all! :wave:


I am SO glad I wore my hiking coat and multiple layers this morning! Have we all survived the night? Although I am sure it was more stormy a few nights ago.

HRH Duchess Dorothy of Mog ( my tabby ) went out wandering last night. I sleep with my window open so I can hear mews (from upstairs) when she wants back in (rented house, no cat-flap). Must be a light sleeper - over the wind and howling these little cries were heard so up I get at 0130 to let a soaking cold-pawed kitty-cat back into the house. Awwww I love my cat!!! :T:T:T...

So I was super bad this morning! I bought £6 worth of food from the little Sainsburys outside work to cover a few bits for breakfast (oranges / coconut pieces, croissant, monster munch ) and lunch ( ryvita and tinned soup) DESPITE being right near Lidl's yesterday in town and resorting to doing the shopping on Sunday when I have more time to plan...:mad::mad:

I proffered this to my family when I was back home ; is the determination needed to prevent yourself from doing something (spending) the same as the determination to make yourself do something (save)...? There is a definite feel of relief from not being pushed into paying something off - I owed someone else money last time - now it's just me against me.

Don't get me wrong - I currently have £1000 sat there and it won't be touched - but I am being stupid with money that needs to last the month. it's a weird place to be. I think I need to channel everything into my fitness regime 9and not eating croissants).. I need another goal despite the money side of things because I can cover that with wages every month... I actually feel like I am not doing anything that's what I can't deal with... anyway......

Worse still I have NO overtime for the next two weeks! :mad:

So since I spoiled the SFD I am sending my British passport off for renewal as a recorded delivery. This will no doubt be a few pounds as it goes to Wales - but the passport fee is accounted for at £85.

However I need to sign off momentarily and will be back soon... incidentally regarding SFD's I think a light box for those that suffer can be excused!

Calling14

Bex296. Aww poor bunny hope there is some improvement soon.

Truly horrid day out there, hope the high tide doesn't bring more flooding was feeling so lucky to be in my bed last night, whilst lot of friends were put on red alert for high tide at midnight and another one today. Hoping they stay dry.

Well already updated with a Sfd as not going anywhere today, except dog walk if the weather calms down.

Beckyboo laughing at yr Sfd determination. I take my car to National tyres and they check the pressures/tyres for free just look like a dumb female- well don't have to try hard.

Have a good day folks xmas tat coming down today and dusting planned.

NinjaSavingKat

Bellagiobaby - you are in!

NinjaSavingKat

busybumblebee wrote: »

NSK - I've been watching your progress over the last 6 months and you really are amazing and a complete and total inspiration! I'll be watching from the sidelines again this month to get my act in gear again and then if I'm feeling brave enough, I'll bite the bullet and join you all next month. Good luck everyone :T

Awwwww this is what I like to wake up to ! :rotfl:Thank you very muchus! You should join today though! Last chance...? Gonna close the doors today...?

catshark88

"...is the determination needed to prevent yourself from doing something (spending) the same as the determination to make yourself do something (save)...?"

I'm not up to much philosophical thought before I've had my coffee, but this did make me think.

It is much easier to do something positive, especially in the long term. How many of us have fallen off diets that banned us from certain foods/ calorie levels?!

For me personally, if I make saving a "fun" game or challenge, it is much less depressing than just "don't buy stuff". I'm actively trying to achieve something positive, a NSD, amount still in bank at month end, OP from mortgage etc, not just denying myself things.

Then, as I spend more time thinking like that, some of the things I wanted, just float off and become unimportant.

Anyway, that's just how my head works, I'm sure we are all different. :-)

bellagiobaby

Hi all

Totally new to all of this so here goes, spent most of New Year's Day in bed staring at the ceiling and worrying about money. Had a better day yesterday and spent a couple of hours looking at outgoings and sorted a few things out, I eventually made my way to this forum and thought it's just what I need to take control instead of this constant background worry. I am ashamed by my debt and I am reasonably well paid so there should be no need for it. But I won't say I don't know how I got here because I have spent years spending without thought or budget and taking on more debt to keep on top. So the details are:
Loan £307 per month last payment is oct 14
Credit card total debt: 10,656.84 (first time I've ever added it up)
Payments on credit cards per month: £550 but I've just got a couple of 0% balance transfers so intend to pay these off smarter than I am now

I'm hoping to be debt free in 18 months so will set a date of 4.6.15

Today will be a SFD:)

traveller

Hi everyone!

I hope everyone's ok weather wise. London hasn't been too bad, although it was raining this morning.

Well the last 24 hours has been one of mixed fortunes My asda order was cancelled last night because of some system issues. I always choose the cheapest delivery slots. Well, they rebooked me for a prime Saturday slot and gave me a £10 e-voucher. So what I did was go back on the site just now. I rebooked myself for an 10-6 slot which is only 2.50 and applied the voucher.

So now I have my shopping for £191.00 as I added some bin bags and swapped margarine for butter. I did this after watching some food show that said butter was actually better than marg because of the type of fat in it or something. I got 2 Asd4 smart price and 1 anchor spreadable as a treat. I'll be baking a lot, that's why there is so much.


I'm very pleased with that :T

NSK-As this shopping should have been delivered yesterday, but will come tomorrow can today be classed as a NSD? The money leaves my account when they pick will be 11pm. Or can yesterday be classed as a NSD instead.?

I too will be needing a light box as I'm finding it incredibly hard in all honesty. My daughter is also suffering. But I'm very happy that she got me a digital photoframe for christmas. I loaded my memory card from my vegas trip on it and it's unbelievable how happy I feel just looking at it. My vegas yard glass has now been turned into my savings glass for my holiday next year and they are right next to eachother Ironically, I worked out that my exact figure towards my debt each month is £747.00 (Boeing 747) I had to laugh but more of the irony and I am so determined to get out of this mess and stay out!!!

I'm hoping that my request to up my hours will be allowed when I return. As our payroll system is being changed though in february, this is when I'll change over to lessen the chances of them faffing with my pay

Mrs GSR-Completely agree with your last paragraph regarding what's important :T

I am grateful that I have 4 healthy children, people that actually care whether I'm around or not and everytime I have truly fallen, some how, I've landed on my feet and I class my LBM as one of these
Anyway, I hope you all have a great day. And keep up the fight :T