NSK;The Tortoise and The Mad MARCH Hare!!!

£ashcow

Hi all
I've had a bit of a hectic week with ds's 18th on the 12th which was fun but costly, Arctic Monkeys tickets £250 :eek:(budgeted for)
also dd was diagnosed with Endometriosis about six weeks ago and is suffering physically and mentally, its been very difficult to say and do the right things to support her.
Anyhow only 2 Sfd in the last 5 and the next few days will be spendy as i will be in Swansea checking out the uni for ds, just hope i've budgeted enough.
Hope everyone is taking things slowly, i'll try and catch up on post on Friday.
Night all

NinjaSavingKat

Sooo all that stuff I had planned to do last night? Went to the cinema instead!....The Book Theif. Good film, not worth the big screen though. Everyone in the cinema was crying. I know this because there was only about 10 people in there at 1700...

Second time lucky . My friend is coming over and we will [STRIKE]watch TV all day[/STRIKE] study together. Recorded that programme on 5 last night about the "Can't Pay? We'll Take It Away" debate - should be entertaining viewing...

Pushing through the day. Number crunching today as well. Running out of money due to filling the bike then changing my mind for the train travel after a week and then paying for buses.... £30 left in the account until payday... £13.45 of that is travel for the buses but with some careful planning and actually knuckling down to some cooking I might be able to survive...:rotfl::rotfl::rotfl:

Yes it's very QUIET on here at the moment - where are you all! Come now confess to Aunty Puddy-Tat... I don't bite....... hard....:T:T:T

dolly84

Today will be a SFD and I am hopeful I will hit my target for the month. I am debating whether to go out on my bike and freeze to death or go for a jog this morning, it's raining a bit and so cold.

I am in the middle of switching energy suppliers and have given meter readings to the new company but have not heard anything further from them, npower have not taken their payment this month so I logged onto my account to find they have closed it with nearly £500 of credit and no final bill. I rang and they said it can take 30 days to get the final readings and do a bill. No wonder people don't want to switch to often when you have to keep chasing things up. I really hope we get some money back from npower but somehow I'm sure we will end up owing them.

apple_muncher

Am having a satisfying mse day so far! I walked to and from the shops, thus saving on bus fares. The shopping list was small, which enabled me to walk home carrying it without collapsing.

The washing is out on the line; I made cakes for dd before she woke up so she had one with her breakfast; I got a workout done early on along with sweeping the downstairs. I've also done some knitting.

The summer holiday planning is coming along nicely. Last summer I took dd around and about, travelling quite a lot, and by the end she'd had enough of not being at home. So this year, she's 1 year older, and should cope with it better. We are planning to visit cousins on the Isle of Wight, visit my best friend over from Spain to stay with her mum (+3 kiddies in tow) in the NE (may rent a cottage for a week and also see big sis in Durham - she has cats so staying more than 1 night there is impossible for me), stay with Gma as her church run a bible school the last week in August and dd was gutted last year that she wasn't old enough. Plus a 6-month consultant check up and probably a blood test appointment too at some point. I'm so glad I teach and can have this special time with dd in the summer hols.

Calling14

Hi reporting in, having a few problems with Tablet at home, bit busy in work as had few days off last week. Still here but probably not doing too well on budgets. Paid another 100 pounds off cc today.

Fuming did a balance transfer to Santander from Sainsburys. Santander have debited my cc and charged me with a balance transfer fee - would be alright if Sainsburys had received the money. Will kick off again later with Santander, given me a reference number and told me take 7-10 days to sort out - so by then will be paying interest as well. BOUNCIN. passed from one idiot to another. According to Sainsbobs has happened a lot lately with bal tf from Santander ;-(

Good news lodger with me till end June so will be hopefully another 1k off my debts and have another one for 5 weeks in May so 400 to throw at debts.

Anybody see the debate on debt last night on Channel 5. Was getting more and more angry. Kate Hopkins didn't help - horrid woman. In an ideal woman everyone who like to save for a rainy day but the grim facts once essential bills paid, very little to live off for a lot of people,

Will update totals when I clear little bit of paper off my desk. Hope everyone is bushy, will read up next few days.

lotti379

dolly84 wrote: »

.
Despite all this blooming exercise I have only lost 14lb since mid January

I know I am very late to pick up on this, but I think 14lb in 8 weeks is pretty darn good going! Well done!

Fmess wrote: »

It is getting quieter on here, must be the mid-month-meh settling in again.

Hit the nail on the head!!! :rotfl:

I had a bit of a spendy weekend but still in budget - for now. Or the damage limitation budget at least! I put money aside for church collection and tea+biscuit, so Sunday was an SFD. I'll have to scoot back through the posts to find how many I'm up to though! On Saturday I spent more than intended in the chinese supermarket (lots of tofu on the menu this week :rotfl:)and yesterday I bought petrol, and wine for friend coming round. When she arrived she wanted tea instead, so I'm a bottle of white wine in hand!

EDIT - I've checked, and I'm on 7/15 SFDs. There's still time!!!!

luckystarr

Hello

Today has been another spendy day ... man these challenges are hard

I want to be debt free by December 2014 we have about £4300 left to pay so really need to get my backside in gear
So with having a light bulb moment :idea: i have been thinking of why i spend so much and i have summed up that i am an emotional/impulsive spender which is not good as i am quite up and down at the moment

So for next month i am going to try and do the following

. Have food shop delivered
. reduce the amount of magazines i buy
. have an emergency £20 in my purse
. not to carry bank cards
. delete my banking app off my phone so i cannot transfer funds i should not be spending
. think about any non essential purchases for a least a week before making a decision

I really want me and OH to be debt free as soon as possible so we can start to do some of the nicer things in life but still live within our means.

I haven't seen the channel 5 programme as yet but Katie hopkins does a lot of this for the shock value i personally cannot stand her and wish they would not give her a platform to spout off.

Anyway going to stop chattering apologies for the moan

Keep up the good work torties "slow and steady wins the race"

MrsGSR

Hello all,

A spend day today. Took DS swimming and he was constantly pushing me away and the swim teacher said its cos he wants to be more independent and so I should get him arm floats. He refused the last lot I got and I ended up losing one so I have had to order some today but they were only £3 so not huge spend. Also had get some fruit for the children as DH is back really late and I need it for making DDs lunch and for them to have after tea. Also need to pick up some eggs on the way out to ballet, therefore tomorrow will be SF.

I've been agonising over children's activities, DD is disparate to do swimming but I have said to her its that or ballet as mummy can't afford both and she has chosen to do swimming. Am I a mean mummy or just teaching my child that actually you can't have everything all the time?! I think swimming is much more important than ballet in the long run...

mothernerd

I've updated my signature to include yesterday's and tomorrow's spending, today is an NSD. (Is that grammatically correct -an 'n' or a no).

Spent £11 something at arseda and £19.03 at mns (not including the flowers but taken the £5 voucher off the flowers, which were already on offer, £3.25 a bunch, £5 for two). Roses only just starting to unfold and I've bought their flowers before and the 10day guarantee has lasted 3 weeks. That takes my food budget up to £106.80. I have taken out cooked meat and tandoori lumps (all cooked before Christmas) to defrost and eat with my salady /raw veg bits. I have yoghurts to have with porridge oats, rolls (and a few slices still frozen) to have with HM soup and and eggs to boil if I want something exotic. Will have to see how I feel/how much I can move by weekend - still stews and curries in the freezer.

Travel is over budget £27.10/£25 after the taxi and bus fare from yesterday and already added £5 for bus ticket tomorrow. Could cancel the health trainer but I want to know if/ how much weight I have lost (been working hard but last couple of weeks have been a bit grab and go foodwise -and eating DS3's takeaway leftovers - even a pound and a bit would make me under 14st). Getting weighed on the nearest public scales would cost about £3 so £5 for a day ticket is better especially if I can do the cemetery.

Bus into town faces my house, cross road for hospital bus, short walk into and from appointment (unlike breast screening last week which was 'on the car park at the back' aka walk round entire new hospital building on the outside - I remember when it was a field full of cows), hospital bus goes back to bus station, city bus stops at cemetery gates,cross road to come back (note to self - take clock and food, buses back every half hour in middle of day -sit on bench in children's garden if miss one). If any energy left go to Tessimos (5mins from bus station), use wombled receipt to buy apples and see if anything good on reduced shelf, before coming home. Should be do-able.

Could get used to life of leisure. Starting to nest. I have water, banana, books, sewing, laptop for games/ conversation/ tv shows. Just collected small stapler to put business receipts in order for tax return -had to go downstairs to answer phone, was DS3's beloved, didn't think he was awake (both surprised he missed tuferTuesday -pizza offer). Very cross as he was awake - he must have heard me going down each step.

Taking painkillers when necessary. Sleeping a lot. Bothered by lack of progress but not enough to stop me sleeping - work is over-rated. Damn those pesky bills. Starting to think houses are over-rated. I want a well insulated wooden cabin with a log burner on a large allotment next to a rail line (connected to outside world).

So £1.46 left in my purse. Persuaded DS3 to:-
1) Talk to DS2 (no shouting), find out if he went to doctor's and if any diagnosis.
2) Go to mum's instead of me on Friday.
3) Go up steps (the boy can change light bulbs without steps) anti-mould inside the top cupboards and paint white - told him it should only take 15 minutes - will hide clock. Using argument that friend is coming back at weekend and there is no where for me to sleep/ put my things if little bedroom not back in use (they wouldn't let me on the attic stairs/ladder last weekend). He tried to say friend can sleep in his room (bed from little room is now in there). NO -WORK MUST HAPPEN -NEED PROGRESS.:)

SarahB1989_2

MrsGSR wrote: »

I've been agonising over children's activities, DD is disparate to do swimming but I have said to her its that or ballet as mummy can't afford both and she has chosen to do swimming. Am I a mean mummy or just teaching my child that actually you can't have everything all the time?! I think swimming is much more important than ballet in the long run...

I can't comment from a parent perspective, but I'd agree that swimming is more important as a kid - you're unlikely to learn to swim as an adult, and it could be a lifesaving skill one day. Whereas ballet she can take up when she's a bit older (unless she's keen to be a professional ballerina, which it doesn't sound like is the case if she's picked swimming!), and maybe she could save her pocket money towards lessons then. I didn't start ballet til I was 18 due to my mum saying a similar thing about picking one activity, but it hasn't done me any harm and I've done all the activities I wanted to do as a kid, just not at the same time! I have friends who were at classes every night for tennis/dancing/swimming/gymnastics etc and none of them have carried on doing those things as an adult any more than I have...