NSK; February 28 Days Later!

SarahB1989_2

Well done tea-lover! And glad your girl is ok apple_muncher

Think I can write off NSDs as a failed experiment. Tend to miss them by tiny amounts, and can't quite see the point of organising my life very precisely to time running out of milk with paying my phone bill so that I get 1 NSD instead of two spendy days. Today wasn't an NSD because I bought a diet coke in the pub whilst watching the rugby, but this is a vast improvement cos previously it would have been two pints of cider. I can see why days when I leave the purse at home and therefore don't get tempted by the vending machine or work cafe are a good idea, but I think I'm missing the theory behind NSDs - anyone able to help me out here?

Otherwise doing ok-ish: 3 lots of exercise this week, and food budget is coming in just over (£90/85).

thriftylass

SarahB1989 wrote: »

Well done tea-lover! And glad your girl is ok apple_muncher

Think I can write off NSDs as a failed experiment. Tend to miss them by tiny amounts, and can't quite see the point of organising my life very precisely to time running out of milk with paying my phone bill so that I get 1 NSD instead of two spendy days. Today wasn't an NSD because I bought a diet coke in the pub whilst watching the rugby, but this is a vast improvement cos previously it would have been two pints of cider. I can see why days when I leave the purse at home and therefore don't get tempted by the vending machine or work cafe are a good idea, but I think I'm missing the theory behind NSDs - anyone able to help me out here?

Otherwise doing ok-ish: 3 lots of exercise this week, and food budget is coming in just over (£90/85).

Actually paying your phone bill doesn't count anyway as its a DD like rent and electricity. NSD make sense for people that have problems controlling the frittering away of money or not planning ahead. Like milk is out today, fuel tomorrow and bread the next day, but each time you enter the SM you leave with more then just that. So planning ahead and planning NSDs makes you write a list, look ahead, just enter the shop once and only buy the things you need. It works for most of us here to control our spending. Me for instance, I don't take my wallet to work any more and keep my spending (with lists) and planned to the weekend. I try to collect 5 NSDs during the week and have saved a fortune on canteen coffees and vending machine crisps. And making do with what I have in the house. There is loads of other examples.

Of course if you manage to really only buy milk and other things when needed etc then that's great.


Apple muncher glad you DD is ok and hope it heals quickly

£ashcow

Hi all
Just checking in with 3 SFD's and 1 spend day due to online top up shop which should last through until pay day.
Apologies for lack of posts this week but have been fighting a cold as well as the zombies.
Hoping to catch-up with de-cluttering target by Friday.
Night

ikesmummy

Glad to hear your daughter is being so good about her broken collarbone Apple muncher. My youngest broke his when he was 18 months old, it was awful, I took him to three different doctors in three days and because he didn't speak much I really didn't know what was wrong (neither did the doctors - although made some very odd misdiagnosis) thankfully took him to a&e on the 4th day where it was finally diagnosed correctly. Thankfully his did heal well and quite quickly, hope hers does too.

Had a lovely meal out last night for my sisters birthday and as we had the voucher and dad kindly bought a few drinks it was only £31 for me and DH and we had three courses

Lovely day today, took the boys to a cinema morning at a local church and then down to the beach to play chicken with the waves and stock up on vitamin D

Have done my last weekly shop of the month and have £4.80 left in the budget in case I have forgotten anything essential.

Have plans to go for a nice run tomorrow, meeting my mum on route to do the middle bit with her company. Also hope to get out in the fresh air with the boys for a couple of hours as well so the time in the house will be non stop cooking and cleaning ready for the week.

TiptoesDB

crikey applemuncher glad your daughter is ok! what a scare!

thanks for the supportive comments here, I feel a lot better today.. DH has souped up the spreadsheets and we have adjusted up some monthly re-payments and I am feeling more in control again. We always knew March would be a low repayment month, it's not like I didn't know the oil and other bills would be due, it's just I have got so used to a predictable chunk coming off the debts. But, like I say... feeling much better today! thanks! and ready for whatever March's challenge throws at us...

SarahB1989_2

thriftylass wrote: »

Actually paying your phone bill doesn't count anyway as its a DD like rent and electricity. NSD make sense for people that have problems controlling the frittering away of money or not planning ahead. Like milk is out today, fuel tomorrow and bread the next day, but each time you enter the SM you leave with more then just that. So planning ahead and planning NSDs makes you write a list, look ahead, just enter the shop once and only buy the things you need. It works for most of us here to control our spending. Me for instance, I don't take my wallet to work any more and keep my spending (with lists) and planned to the weekend. I try to collect 5 NSDs during the week and have saved a fortune on canteen coffees and vending machine crisps. And making do with what I have in the house. There is loads of other examples.

Of course if you manage to really only buy milk and other things when needed etc then that's great.

Ahhh that makes more sense, thank you. Typical that it was me screwing it up by not understanding properly. I do need to get a handle on frittering away money on food - for my bank account and my waistlines sake - tends to be more extra stuff from sm than buying snacks during the day. March is a horribly expensive month, just tallied up how much various stuff will cost and it's more than I thought previously, so hopefully another go at NSDs and strict budgeting will help.

CEW

Another SFD here today but tomorrow will be a spend day. Nearly out of wake up juice (I can't start the day without a cup of coffee or 2) :rotfl:

Decluttering going well. Will check list of finished areas and update with all totals tomorrow. It really seems to help me focus when classing each area (drawer, shelf, cupboard, wardrobe etc) as 1 item of decluttering. I can cope better with lots of small targets rather than one big target, like the whole bedroom which scares the hell out of me :eek::eek::eek:

Chez x

thriftylass

Good morning.

Yesterday was a spend day as I did the last SM shop for the month. Got treated to lunch by a friend and then had a busy afternoon at home. So the garden centre got postponed to today. We want to buy some seed potatoes. We thought it would be a good way of preparing the soil on the top tier of our garden for the veg patch next, minimal work while getting used to having two kids soon and still getting a usefull crop. There is still enough other stuff to keep me busy in the garden and house while on mat leave.

NinjaSavingKat

Good Morning Slayers... I am home from overtime and am about to go to bed. I thought I would sit for a moment and have a cuppa. I have been snowed under with work for the last few days so forgive me for not checking in.

I intend a few hours snooze time and I will be back to read through whats happening. A friend who is notorious for cancelling on me will no doubt show up today when I could just do without a visitor.

I really hope everyone is doing ok. I will be working on March challenge today but really want people to concentrate and push through to the end of February... it's hard, it's dragging through, I am out of food money but we are nearly there.

More soon.... have a restful start to your Sunday...

Maisie_M

Just caught up with everything. Everyone seems to be doing well and on the home straight for February. I too am looking forward to seeing what is on the cards for March.

Well my tallies look like this:

1. 10/15 SFD
2. £251.26/£280 food budget
3. £230/£260 petrol allowance
4. 15/20 LTW
5. 1/1 lunch out with dh for valentines day.
6. 0/0 takeaways, coffee shops etc
7. £3/£3 local food bank
8. £0/£10 beauty spends

LTW should be on target but not sure about SFD as need to get milk and bread today.


Have done quite a bit of decluttering and managed to donate two bags of toys to DS2's nursery. Think may try and do my wardrobe this afternoon once I have done my mountain of ironing. Wanted to take the kids out but it's chucking it down with rain so not sure that will be possible. Shame as we like to go for a walk at the weekends but not worth getting drenched for.


Managed to get my haircut yesterday, first time since August. Found a new hairdresser who was doing cut and blow dry for £18 which is good as my old hairdresser was £27. They do groupon deals as well so I am going to keep an eye out for that the next time for colour and cut, now I know they do a good cut.


Right better get myself sorted or day will be wasted.