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NSK: MAY the Odds Be Ever In Your Favour!!!

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  • apple_muncher
    apple_muncher Posts: 15,243 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    :j I've done it! :j I've just paid over £40 to get the mortgage below 72k. It's a good feeling! Now to plot and plan getting it into the 60s...
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • nellis10
    nellis10 Posts: 1,350 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    :j I've done it! :j I've just paid over £40 to get the mortgage below 72k. It's a good feeling! Now to plot and plan getting it into the 60s...

    Well done!! Mine is just over £73K and I can't wait to chip away at it!! Gotta lose the loans first!
    2024 Challenges
    • Grocery Budget (January £0/£300)
    • Decluttering (Underway!)
    • Frugal Living (January £0/£500
    • 24 in 2024 (0/24)
  • clippy_girl
    clippy_girl Posts: 2,283 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    morning all

    didnt manage a sfd yest as bought eggs from a colleague for £1 and popped to mr m for egg noodles to go with my dinner (but i only bought the noodles and avoided all sweets, choc etc :A)

    cant believe i am still only on one sfd :o should get one today though :)

    have got bg coming today for my survey about free insulation for the loft. fingers crossed i qualify and can get the £150 to clear my loft. tbh if they dont give me the £150, unless they will lay it over my floorboards i wont get it as my loft is about 23sqm and its all properly boarded with millions of nails in every joist so will take forever to lift them and its not worth it for savings of around £14 per year on my gas bill (already have some but not enough!).

    once i have the answer either way i will bring down the rest of the stuff to sell. hoping for £100 for my victorian floorboards. i noticed there are about 4 full length boards (so about 3sqm) laid in the loft so i will need to rip them up. i bought a tool from wickes for lifting them so hopefully it works! will leave all the junk wood up there if its not being insulated as then i dont need to worry about getting rid of it.
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
  • Kenyakate
    Kenyakate Posts: 36 Forumite
    Ooops no checkin from me yesterday, too tired after major long shift. Spent £1 by having chips for lunch at work yesterday (they were calling my name and I needed them).

    I have macaroni and cheese for tea at work tonight, plus another real long shift. Fingers crossed for a spend free day
    I have enough money to last me the rest of my life unless I buy something -
    Jackie Mason
    :j:rotfl::j
  • NinjaSavingKat
    NinjaSavingKat Posts: 3,384 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Morning all!

    Slightly freezing in the office this morning! But here I am desperate for the day to get started - haha!

    After my bus fare of £26 for the buses I have precisely £26 per week to live on. I think that is more than adequate although I am desiring more and more vegetables recently and can eat nearly 3/4 a broccoli for dinner with some lentil loaf - I have to urge for potatoes or carbs which is good. So - it's the fruit and veg that needs to be planned carefully.

    I bought water today as I am not drinking enough and re-filling my silly little bottle all the time at work is driving me nuts = 80p / tub of coconut pieces = £1 / 1 banana = 19p.... the banana thing irks me a bit considering I bought 7 the other day for £1 making them 14p each. Grr!

    On another note I wrote a complaint to Channel 4 last night. Their show The Island sickened me.... but I shan't go on.

    Tesco £5 money-card is in the post and on it's way to me. That will be a large bag of Almonds thank you very much Tesco.... and I still have my £5 off a spend of £30.... so will be using that soon too if I can find it ...:mad:
    Anyway - a question. Any one had a colonic here? Care to share the experiance? Hmmmmmmmm breakfast talk - love it!
    “Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent".
  • NinjaSavingKat
    NinjaSavingKat Posts: 3,384 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    :j I've done it! :j I've just paid over £40 to get the mortgage below 72k. It's a good feeling! Now to plot and plan getting it into the 60s...

    This is so cool - well done! So £12k. How you planning on doing it? :T:T:T
    “Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent".
  • NinjaSavingKat
    NinjaSavingKat Posts: 3,384 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Fmess wrote: »
    Love the email and their response NSK, what are you going to spend your £5 on?! I love free money :)

    Well the idea is the bag of Almonds that are 750g and usually £6.50 . So with my £5 money-card and my money off £30 spend they will be free. :T:T:T................... I just have to find that receipt.
    “Nothing in this world can take the place of persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent".
  • MagicCat
    MagicCat Posts: 390 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Happy Tuesday Tributes, hope you are all ok.

    Glad people are liking the Lady V site - Kat, it's not spending if we're just looking honest! ;) I loved the tesco complaint/reply by the way, v funny!

    Not much to report from me - spent on sister's birthday present yesterday, but NSD planned for today, working a long day so no spending opportunities.

    Take care and have a lovely day all.

    NSD 6/15
    Groceries £38.83/£200

    Birthdays £34.95/£60 (May is a bumper birthday month including my sister and my nan's 90th)
    Petrol £35.09/80
    Personal/toiletries etc £18.03/£10
    Entertainment £6.50/£80 (includes going to nan's 90th party)
    House - £32.25/£50 (paint for bathroom)
    Mortgage December 2023: TBC

    Credit card debt (extension cost) Dec 2023: £9786

    Fashion on the Ration 2024: 0/66 coupons

    He said not 'Thou shalt not be tempested, thou shalt not be travailed, thou shalt not be dis-eased'; but he said, 'Thou shalt not be overcome.' Julian of Norwich
  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Took the odds and sods out of my Paypal account to leave a £100 balance for expenses for the weddings we're off to. I've updated my post from this morning but I'm over £90 paid in to my ISA this month already :D
  • his_missus
    his_missus Posts: 3,363 Forumite
    Debt-free and Proud!
    groceries £98/£200
    kitties £20.70/£50 + £23 on flea treatments + £6 for magnetic keys (getting their own budget this month!)
    entertainment £50/£100 (extravagant I know)
    sfds 3/15
    savings £29/£500

    Today won't be a SFD as Princess Kitty has lost her catflap key and as I've no spares I need to order some pronto. The kitties are out to bankrupt me this month I swear. Payday on Friday, thank goodness, as I now have £2.37 left in my bank account.
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