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  • ShirePiskie
    ShirePiskie Posts: 380 Forumite
    Debt-free and Proud! PPI Party Pooper
    Nsd.

    Ta-da!!
    Debt 2008 - Approx £20k | April 2014 £6526 | 30 October 2015 DEBT FREE
    PPI claim success - £4338 & £764
    YNAB Convert
    Saving Goals - YNAB Buffer: £100/£850 | Emergency Fund: £0/£1000 | Maldives: £0/£10,000
  • nellis10
    nellis10 Posts: 1,350 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Nsd.

    Ta-da!!

    :j Woohoo! :j NSD for me too! :T
    2024 Challenges
    • Grocery Budget (January £0/£300)
    • Decluttering (Underway!)
    • Frugal Living (January £0/£500
    • 24 in 2024 (0/24)
  • ShirePiskie
    ShirePiskie Posts: 380 Forumite
    Debt-free and Proud! PPI Party Pooper
    Grrrrrrrr.

    Was uncharacteristically organised buying best friend's birthday present last week. It arrived today, ready for me to wrap and post on. But I've ordered the wrong bleddy thing!!! So I've just had to pay out for the right series of Merlin on DVD so it gets there in time (being sent direct now) and sorting out a refund for the wrong (series 5) DVD. Pah! This was my first Quidco purchase too, so that wont go through. Although did re-order via Quidco and as series 1 isn't available on blu-ray, I've saved £8. When I sort out my return and get my refund back that is.

    Also ordered a Primarni gift voucher for #2 nephew to be sent to him.

    Cards and stamps to buy at lunchtime but then no more birthdays until August. I don't even want to THINK about October. Let's just say, January must be a VERY boring/ fertile month in my family.
    Debt 2008 - Approx £20k | April 2014 £6526 | 30 October 2015 DEBT FREE
    PPI claim success - £4338 & £764
    YNAB Convert
    Saving Goals - YNAB Buffer: £100/£850 | Emergency Fund: £0/£1000 | Maldives: £0/£10,000
  • ShirePiskie
    ShirePiskie Posts: 380 Forumite
    Debt-free and Proud! PPI Party Pooper
    Ugh. In bed with joints like fire and a throat full of daggers. Cue self-pity.

    On the plus side, because I went running (in the loosest sense of the word) straight from work last night, my handbag and purse are locked in my office, so even it I were to haul my sorry self to the shop for emergency chicken soup and lucozade I couldn't pay for it. NSD by default, am calling it even before 10am.
    Debt 2008 - Approx £20k | April 2014 £6526 | 30 October 2015 DEBT FREE
    PPI claim success - £4338 & £764
    YNAB Convert
    Saving Goals - YNAB Buffer: £100/£850 | Emergency Fund: £0/£1000 | Maldives: £0/£10,000
  • Divingmad
    Divingmad Posts: 577 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Awww Shire,

    Hope you feel better soon

    DM
    I feel like a Pelican - everywhere I look there's a bill staring at me!LBM: March 2014 Current CC debt: £2048.29/£3666.53 (55.86% repaid) Current Challenges:Tilly Tidy: £2087.67/£2500 (83.50%) 3 to 6 month emergency fund #75: £3653.62/£6000 (60.89%)
  • ShirePiskie
    ShirePiskie Posts: 380 Forumite
    Debt-free and Proud! PPI Party Pooper
    Thanks DM. Daggers are on the OTHER side of my throat and in my ear today so off again, but HAVE to go back tomorrow as is a silly, crazy time of year at work. I will be quite grumpy and threaten to lick anyone who doesn't bring me coffee/ cake. :)

    Well, that will teach me to be so confident, but just as well I didn't update my sig. Yesterday was NOT a NSD. Husband came home from work and had picked my bag up, so I sent him out for sausage and chips as wanted comfort food. Purely for medicinal purposes, you understand!
    Debt 2008 - Approx £20k | April 2014 £6526 | 30 October 2015 DEBT FREE
    PPI claim success - £4338 & £764
    YNAB Convert
    Saving Goals - YNAB Buffer: £100/£850 | Emergency Fund: £0/£1000 | Maldives: £0/£10,000
  • ShirePiskie
    ShirePiskie Posts: 380 Forumite
    Debt-free and Proud! PPI Party Pooper
    With this time off I've been having a think.

    Mission: Meal Plan has been running for over 6 months now with a very good success rate. BUT I think I can cut our grocery shop further by doing two 'big' shops a month instead on one.

    What? I hear you cry (or could just be my crackly ears)!

    At the moment I do a mahooosive shop buying 90% of ingredients for the meal plan on payday. What I'm finding is when I have to pop in for fresh items, especially in the second half of the month, I then get distracted and over spend.

    This is madness. I NEVER deviate from the shopping list at the start of the month, so I need to stop this.

    For June, then, my plan is to meal plan as usual, for the whole month but only buy what I need for the frst two weeks' meals (unless it's things that are part of a combi offer eg 3 packs of meat for £10 and these can go in the freezer). Then do the same for the second week. In theory (oh, those magical words) this should stop the need to 'pop in' and save £££. Both visits have a real purpose in my mind, which seems to be a motivating factor for me in sticking to the plan. I love it when a plan comes together.

    Have to wait and see how it works out, but I think playing little 'mind games' with yourself to work to your strengths and avoid your weaknesses, makes sense.
    Debt 2008 - Approx £20k | April 2014 £6526 | 30 October 2015 DEBT FREE
    PPI claim success - £4338 & £764
    YNAB Convert
    Saving Goals - YNAB Buffer: £100/£850 | Emergency Fund: £0/£1000 | Maldives: £0/£10,000
  • t2rry
    t2rry Posts: 1,077 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Wow I am just catching up with your diary and it is awe inspiring!

    I too have a wonderful spreadsheet I dip into daily to make sure I keep on track but it is nowhere near your spreadsheet of wonder...taking you into 2015 - how do you do this?!

    I also too have issues with overspending in the supermarket. June will be my first month trying to budget this properly, taking £200 out in cash for food (for 2 of us) - I'm hoping £200 is realistic but I have never meal-planned in my life and wouldn't know where to start.

    You are amazing! Keep going & I'll be following :)
    Debt Free I FFEF I Building Savings I 2025 Plan:
    1. Regular Savings £8,200/£10,000
    2. Slush Fund £3,800/£10,000

    Save £12k in 2025 - #50 - £12,000/£20,000 (60%)
  • quidsy
    quidsy Posts: 2,181 Forumite
    I too was in wonder of the spreadsheet & well jel of her cleverness :) then I found this place which has done all the clever bits for you.

    http://www.vertex42.com/ExcelTemplates/personal-budget-spreadsheet.html?ref=xlsx

    I played around with it till it met my needs but adding tabs for debt repayment & spending is a great way to keep in budget & on track. it basically tells you if you over spend this month how much you need to make up in future months. Like magic :D
    I don't respond to stupid so that's why I am ignoring you.

    2015 £2 saver #188 = £45
  • ShirePiskie
    ShirePiskie Posts: 380 Forumite
    Debt-free and Proud! PPI Party Pooper
    edited 22 May 2014 at 9:14AM
    Aw shucks, you guys. :D *gets big head*

    Will definitely be looking at that link though. If it has tabs that update each other and link I might explode from spreadsheet excitedness (this is actually true).

    T2rry, just to say I have done a food and household (washing up liquid, bleach, loo roll etc) month for less than £100 for two of us and husband's daughter who has tea with us at least 4/7 times a week. If I'm a bit less organised, as I seem to be this month, total spend is about £150, including milk, bread and 'fresh' top ups. As with all things, organisation is the key!

    February was a £60 month. I know its a couple of days shorter, but I had so many meals in the freezer from batch cooking and was fully stocked for household and toiletries. If you can get a couple of those in a year, it can be a real help.

    Also, yesterday WAS a NSD!
    Debt 2008 - Approx £20k | April 2014 £6526 | 30 October 2015 DEBT FREE
    PPI claim success - £4338 & £764
    YNAB Convert
    Saving Goals - YNAB Buffer: £100/£850 | Emergency Fund: £0/£1000 | Maldives: £0/£10,000
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