NSK July: Back to Basic’s.

dolly84

I have managed to do all of my grocery shopping on my revised budget which saw me taking off £40 to pay to Sky TV. I am chuffed with myself. I also bought Fairy dishwasher tablets which were £14 down to £7 for 51 I then used a £1.50 voucher and then tried another £1.50 voucher and it accepted it so £4 for £14 worth of tablets.

Today is payday, it is usually the 26th so my new budgets start tomorrow but I will pay towards my debts today. Will report back later on with what I have paid off. Today I am taking the kids out seeing as they have behaved, we are going on the train to a lovely little boho town, we have a packed lunch but I have promised a bag of chips for them to share.

liltdiddylilt

Kat!!!!!!!!!!!!! Be GOOD. The reason your body is craving food is because you NEED the energy. If it can't get it from food, it will start to eat your own muscles!!! You need to eat to keep up with it. By all means keep it healthy but try and up your protein intake as much as you can pre and post workout! - Yes I do still have all those ingredients in the house so please do give me some ideas! I can cook this weekend!

My payday is the 28th, but in the spirit of YNAB it will not be touched until the 1st August which means couple of direct debits that are on the 28th need to be paid in July budget. All accounted for though.

I have to have a spend day today and for a taxi of all things. I had to give in and book a docs appt for my back. This means valium pills to take on top of the rest and I will be high as a kite at work, but at least in less pain. But I will get to work an hour and a half late with a taxi, and 2 hours late with a walk. I need to work overtime to make this up as I am part time and should always plan being ill around work. Staying til 5:30 on a Friday is depressing enough without it being 6pm. And my back could do with the relaxing of a taxi rather than a hard walk for 2 miles.

Since it is a spend day, will be getting the final little bits of groceries for the month, especially as I just found 2 little mould patches on my sandwich The bread has gone. I picked it off for me, but I can't subject jellytot to that!!!

See you later all, docs calling!

abundant1972

Morning everyone!

So yesterday not technically a SFD as spent a couple of quid on car parking. Friend took me to the beach and treated me to srinks and food bless em!!!

Today is PAY DAY!!! Hoorah. The bank is refilled and budgets being worked on... If I start from today (which I'm going to have to) - it's a 4.5 week month. More overtime in - so money enough to cover everything. Awesome!!!

NinjaSavingKat

LOOK at that rain!!! Might have to for-go my cycle for the day... how annoying!!!

PheoniX

Hullo B2Bs :wave:

Just a quick check in before I go for a power nap ready for tonights shift..

Spend day yesterday on a friends birthday meal and another spend day today buying small gifts for 3 birthdays in August! I also withdrew a sum of money for which I will need to pay for the removal of a beastly overgrown (front garden) hedge next week. Now that the house is repainted, renovated and looking lovely, the hedge looks an eyesore. It is now about 7 feet wide and although it looks green and healthy, the middle of it has died, so the pro's are coming in to dig it up and shred it :T I will then need to fork out again for some nice fencing but this will be covered next month when my bumper overtime is paid out.

Everything is more or less accounted for now and I shouldnt need to buy anything else in August however I will have to go into massive clamp down to recoup this months home improvement expenses Like you Abundant and Dolly, today is also pay day but Im already wishing the month away for next payday as August is looking uncomfortably tight! Only 32 days to go!! :eek:

Im orf to sleep now.. Glad to hear the thunder and rain has stopped and hope it stays that way while I peddle in later!

Soldier on gang

Laters :wave:

dolly84

Debt payments totalling £501.13 have been made and signature updated with total debt outstanding.

I have also paid £99 for my car tax, transferred £100 to my christmas account, allowed £55 for school shoes, £5 for a new school water bottle and have set a new grocery budget. Feeling nice and organised again.

Have been on our little trip today, we spent £4.50 for return train tickets, £4 on ice creams, £1.50 on chips and £6 on fancy soaps.

Fmess

Evening all,

It's payday here too

I've done the money shuffles and done the big food shops. Also got petrol, a birthday present and went out for lunch.

I've paid the minimum repayment on my loan and hope that after all the other bills come in, I can pay off some more. It's be great to be 35% debt free this month and somewhere close to 40% debt free next month (at my one year anniversary of debt busting).

TiptoesDB

Ok, so a spendy day and no exercise, but managed to only spend £3.75 in the pub for dinner tonight with the family on a cheese toastie! I had a tenner put down for this, so when I got back home we walked a couple of miles to the nearest pub in the next village and had a cider each in the lovely beer garden to help me get over the stress and upset of the day and walked back again.. so maybe the walk counts as my exercise for the day??

My lovely new (to me) bike shoes arrived today so I will try them out at the weekend, aiming for another long ride and run as training continues.

DH finished his job today (starts his new one on Monday) and got £30 cash as a leaving present (its all engineer-y blokes in his office so no one would actually go out and buy a present) so that will pay for our weekly shop, so apart from filling up the cars we should not spend anything the rest of the month now.

right, off for to bed - been a tough day and the sunshine and cider (one glass, I am such a wuss these days) has done for me..

night all x

liltdiddylilt

Tiptoes lol at using the £30 cash for the weekly shop. You are good.

Speaking of being good. I have been decidedly not good today. I bought a mouth ulcer wand for Him in the pharmacy as he suffers badly, especially at the minute & can barely eat. It is red light therapy and was half price. £14.50.

I got a taxi to work as I said. £4.30. I made the taxi driver give me all my change. Normally I would let them keep the 70p but it was a 2 mile journey and took about 3 minutes in zero traffic. He deliberately slowed down to hit red on the traffic lights so that the meter continued on going up, and then when I gave him a £10 note, he returned a £5 note. And expected me to just leave it at that. I was so peeved at his cheek I waited until he got the 70p out and gave it to me. He didn't even say bye :rotfl:

As it was a spend day I asked Him to go to the shop and get 2 loaves, one to put in the freezer to tide us over til next Friday. Gave him my other £10 note but he returned it this evening, as he bought the loaves and a bag of frozen chips with his own money and then sprung for fish & chips for all 3 of us (littlie preferred my food to her own as always). Very nice, but still means my no takeaways for July has gone as well as my no taxi's record. I blame my bad back! Lol.

He has gone to play poker then home and I am having a leisurely weekend with Jellytot until MIL collects her on Sunday afternoon for the night. Looking forward to a lie in! Off to play with my budgets. I'm done spending for the month now. Nothing else to buy apart from YNAB which I might just buy tonight to save another spend day.

Night all

dolly84

lilt - I don't understand why taxi drivers, hairdressers and waitresses think they should keep the change or part of. A waitress did it in a pub with me she just put my 80p in the tip jar, I hunted her down and asked for it, she gets paid a proper wage and I want my change. The SA on the till in Tesco doesn't do it so why should anyone else. I don't tip at the hairdresser either, they get well paid and getting your hair cut etc costs such a lot already.

Today will be my last check in until next Friday, I will definitely be in for August if you want to put me down Kat if not I will post on the new challenge when I am home.

A friend called yesterday with some clothes for DS and I passed over a bag of things for her DD, recycling at it's best.