NSK: The June Overhaul!!!

bindi_soup

I'm not sure exactly, but I think yesterday and today were nsd. I went out for a carvery with the OH yesterday, but that came out of cash leftover from weekend spend budget (away camping). I did food shop for the week today, but again, this came out of money I've already drawn out for this purpose.

What does sfd stand for? Small financial deviation?

Fmess

bindi_soup wrote: »

I'm not sure exactly, but I think yesterday and today were nsd. I went out for a carvery with the OH yesterday, but that came out of cash leftover from weekend spend budget (away camping). I did food shop for the week today, but again, this came out of money I've already drawn out for this purpose.

What does sfd stand for? Small financial deviation?

Hi bindi, it stands for Spend Free Day, so basically a day where you spend no money. Different people have their own rules i.e. some people don't include paying for kids' clubs as these are already preplanned but often require cash payment on the day of the club. I include all spends except direct debits and standing orders, but I have no kids.

Today is SFD number 1

I'm on just over 9000 steps so should reach 11000 by bedtime

I still need to get spend totals off my laptop but checked them today and after yesterday's splurge they are pretty dire.

No exercise session today, just dog walking, but I'm booked in fôr a gym class tomorrow

mothernerd

Not a lot of work done (I have a plan) but quite good on the exercise front.
Walked to the little post office and paid in £12.36 (scraped my pennies together). This means when this weeks working tax credit goes in, it makes it up to the next £5 (we all have to start somewhere). This means that the £2.32 I have in my pocket + £10 in nect*r points, is it. Till when? certainly the end of the week, next week, longer - let's see.

The money includes 3pence I hunted down. I struggled to get to the post office and back last week but felt okay, my feet were straight, my ankles are moving, the strange lop-sided feeling and odd lurch to one side and the slow descent into the hobble/crawl was absent. So I walked a bit further (partly spurred on by the knowledge that the high school kids are 'too cool' to bend down and pick up a pound if they drop one - more fool them). Then I walked a bit more.

Stopped to pat and chat with some horses - had changed direction in search of more schoolkid haunts but they seemed to have been replaced by a row of new houses. Decided to walk as far as the next bend in case they were further than I remembered and saw more shops. Stopped to pat a mini yorkie who thought my bag was trying to attack him. This meant that the old lady next door spoke to me (she had workmen running in and out with wheelbarrows) so I asked for a drink of water (will have to take water bottle every time now).

By this time I was trying to work out whether I was nearer to my own house or my mother's so went and sat at the next bus stop round the corner (remembered that one had a bench). Knew there was a way through the next estate onto the fields at the back, asked for directions twice - only out 1/2 a street the first time (complicated by curly side streets so you go a bit one way then half way down, then change to again) and the second time I was in the right place but hadn't got far enough to see the track I wanted.

Came back via Arseda (toilets) - did look at reduced sandwiches but they were all multipacks so outside my price range. Put the bin out when I got home in case I stiffen up later and brought food upstairs - a strange but wonderful assortment including a lovely piece of tandooried chicken. I did a batch a while ago (may have been for Christmas?), some were more snack than meal and this little nugget had got lost in a corner of the freezer - actually thought it was ys'd sandwich tikka chicken which I divided and froze more recently.

Anyway I seem to have managed a 3 hour walk - not up to 4 miles an hour yet but a good start.

So the work plan. DS3 has gone to gf's. I have thrown his quilt over the line to get rained on (so rain stopped) - was going to put it in the bath but a large wet quilt is a tricky beast at the best of times and if I can't manage it, I couldn't have a bath until DS3 comes back on Saturday. So it's already in its drying position , it either gets rained on or I chuck a few buckets of water over it. Going to wash all his bedding and pillows.

Have deliberately let the washing up mountain grow, just for the sheer pleasure of it staying on the shelf for a whole week rather than disappearing into the pit of despair. Collected rubbish earlier. Other than that press on with the garden on fine days, sort something indoors if it's wet.

Must do some cooking too - bargain courgettes and peppers need to be used. Planning tuna mousse, vegetable lasagne with ordinary pasta as have used all the lasagne sheets, carrot cake and biscuits (using lots of porridge oats), jam/ jam and custard tarts (jam a heavier sugar hit but should freeze so can be spread out/ rationed). Need everything lined up so can fill the oven. All involving 1 or 2 substitutions from the original recipes. Trays of biscuits need swapping about every 15 minutes. Will add dancing round the kitchen and doing bicep curls with baked bean cans.

NinjaSavingKat

In keeping with the fact that this was not an SFD I have trundled down to Tescos ( habit much/) and spent £2.26 (on 500g spinach, 1 onion, two lemons and a broccoli) with my discounts of exactly £1 in vouchers.

I am hoping I can aim for SFD's through Wednesday - Sunday at least. That will be another 5. I just have to get creative in the kitchen to see me through the up-coming shifts.

NinjaSavingKat

bindi_soup wrote: »

I'm not sure exactly, but I think yesterday and today were nsd. I went out for a carvery with the OH yesterday, but that came out of cash leftover from weekend spend budget (away camping). I did food shop for the week today, but again, this came out of money I've already drawn out for this purpose.

I am going to let you away with this one as you are super duper brand spanking new - but for future challenges any money left over from the previous month "should" go to the debt repayments or savings....

MrsGSR

Two SFDs so far whoopee!

MessyMare

Grocery total is currently at £3.38/£160, I'm declaring today as No Binge Day 1/20 and as I said before I got in lots of extra activity today tomorrow holds no need to spend money although Wednesday will be a spend day so I'm going to do a meal plan for the next two weeks and do the online shop for collection Thursday so I can have hopefully a run of three or four spend free days

Thank you all, I needed something just like this in my life to push me on

bindi_soup

Right-O! Will do, although be a miracle if I get to the end of month in credit, let alone clear anything extra - but here's hoping!

rokat

Another SFD today

First day back at work after a week off so definitely did more exercise today than I have been doing! Quite an active job and never really sat down except at dinner! A colleague was going to the chippy but didn't know where it was so I went with her. Didn't buy anything though. She wanted to go in the car because its at the bottom of a hill which is a killer coming back up but I persuaded her to walk instead

Did my zumba when I got home from work so thats another exercise ticked off too :j

Also paid all my debt repayments for the month today. Now £325 closer to being debt free

Kenyakate

Evening all,

Had a food filled last few days stuffed my face at the carvery yesterday for mums birthday lunch out (pressie bought in Xmas sales so total spend was £1.50 on a card). Great family day and she had a cracking time. Tonight I had spaghetti Bol, batch cooked so I have 6 portions to freeze and one for tea at work tomorrow. Used slow cooker overnight to make pigs cheeks with mushrooms in red wine......a nice, cheap and tasty casserole also to freeze for later in the week. Just need to add veg and dumplings.

I've completed 2 days of excercise and yoga. Walked mums dog yesterday on the beach early on with a walk after tea (help yourself carveries are bad ideas when you want to stick to healthier eating......literally had to roll me out of there). Tonight I had an hours walk along the promenade at Lytham. It's really refreshing when you have been up since 6am. It was a beautiful evening.

Anyway, I'm aiming for another walk before work tomorrow. This is a lot more than I usually do, so I'm surely increasing my exercise and hope to actually smash this target. I've planned to do a week long detox when I get back from holiday mid June so will most defo need to up the excercise this week!

Budgets:

SFD 0/15
Savings 0/£75 (plan to put money in pot through selling a few things)
Excercise days: 2/30 (30 mins each day)
Food budget:£32.64/£60
Miscellaneous budget £5.30/£40
Yoga 2/30
Weight loss 0/7lb
No binge days 0/20

Hope your all getting on well!