NST December Challenge - Festive and Frugal

thriftylass

Sazzlebgood that's amazing news. Good luck with further progress.

Kaspadoc good luck for the interview.

Another SFD today, tempted by the Aldee voucher offer but don't have my wallet anyway. OH is off sick today but that means he'll not go out for his christmas lunch and drinks = money saved. And I guess I won't be going for drinks after work tomorrow either then = more money saved.

My goals for 2015

1. completely stop smoking, no more sneaking the odd rollie here and there
2. save £50 a month for christmas/MOT 2015 and always have enough in the emergency fund so the CC remains cleared
3. pay off the wedding debt and once that is done set up an ISA for long term savings (£50 or 100 not sure yet)
4. be happier and more content especially to the benefit of my kids and people around me
5. start reading and crocheting or similar crafting again to aid number 4.

Dottydaisy

Must try to post more often should be a goal for the new year. I am doing quite well this month compared to how it used to be. So since last time I posted


Petrol £40.32
Food, Dog and home £207.86
Fun budget £11.50
Penny pig 32p


Fun budget was lunch with my pain management group of which I contributed £3 to the lunch of one member who has no money - on very low benefits- so another good deed.
Dog food should last 6-7 weeks and I re stocked the dry stuff cupboard and my 2 daughters work stuff-tea, soups etc. Some more Christmas food into the freezer is included as well.
Put a packet of cereal into tessimo food bank box. I have £53 left in food budget until the 19th but have also £23 cash in household purse so should come in around £400.


Kaspadoc hope interview goes ok
Sazzlebegood you must be so proud of your daughter hope things continue to improve
Mothernerd - you amaze me with all the things you do, but do take care and look after yourself
Fmess thank you for your kind comments they make me feel I am moving in the right direction


Will think about my goals for 2015 and include them in my month end roundup for the 19th.
Hope the weather is not too bad where you all are, have a good day everyone,
Dotty

traveller

Hi everyone

Sazzle-brilliant news regarding your daughter :T Kaspadoc, good luck for your interview. I had one yesterday for my own job. It was a vast improvement on the last one :rotfl::rotfl::rotfl: Just got to wait until next friday to know if I'm kept on or not. I think I'll wait until after christmas to open my email though

Wow Fmess, your keeping us on our toes,lol!

OK mine are:
1. Be and remain grateful for everything I have
2.Become debt free by the end of August
3. Have a job
4. start and maintain a holiday pot (thanks Stewby )
5. Keep up with the exercise
I haven't spent on anything since yesterday, but tomorrow I will as I'm getting my daughter a soap and glory giftset from boots for christmas

Well have a good day everyone and take care

sazzlebgood

been christmas shopping not sure of exact amount but within budget:j,Town was chaos and so was MR t and MR s. Just sat and wrote our christmas cards starting to feel more christmassy:santa2::xmastree: trees hopefully arrive at the week end, need to tidy the bombsite so we can get them in.
Next year:
1) complete my first (p/t) year of my degree
2)Plan the allotment to maximise how much we grow
3) Enjoy my family and friends.
4) Improve budgetting skills
5) Book and then enjoy our road trip to Scotland

vintagebrighton

Even all

Nothing much to report except NSD number 6. Haven't been out atall today as feeling a bit bleurgh!

Will definitely be a spend day tomorrow as working then into town to get another pressie. Budgeted for of course

Will have a think about next years plans... not doing so well with this years

Night all

VB x

Fmess

Loving the goals thrifty, traveller and sazzlebgood

I've been reviewing my goals for last year:-
1. Pay off ccard before it runs out of 0% - done :j
2. Increase income wherever possible - done :j
3. Go on a holiday - done :j
4. Lose 25lbs and keep it off - not done - lost 16lbs and then put back on most of it
5. Do not buy or adopt any more dogs - fail!
6. Start an emergency fund - done :j
7. Start a personal savings fund - not done but decided it wasn't worth having savings and being in debt


My goals for 2015 are going to be:-
1. Be 80% debt free by the end of the year (really I would like to aim to be DF but I know how hard I have worked this year and still only managed to pay off 33% of my debt in the year)
2. Pay £60 a month, every month, into the saving/emergency fund
3. Be more appreciative for everything that I have
4. Get to 9st and stay there
5. Do not adopt or buy any more dogs

apple_muncher

Today I am grateful for this thread helping me stay focussed, for my lovely dd, for finishing dd's class's Christmas presents-into-envelopes session, for the web, for the anticipation of watching the World's Strongest Man soon!

nannygladys

Just lost post - silly me, anyway going to bed not typing it all up again, working early tomorrow.

Nannyg

mothernerd

NSD. Sorted lots of screws and diy bits. threw a few bits of tinsel around.

Still thinking about my goals - some are a bit amorphous, would have to write an essay to explain what I mean. Will whittle away and refine them.

Today I am grateful for a large bag of new library books, for the ivy (was at the bottom of the yard when it started to hail, ivy is so overgrown I just put my collar up and stood in the corner and the hail didn't touch me) and toilet rolls.

Fmess

apple_muncher wrote: »

Today I am grateful for this thread helping me stay focussed, for my lovely dd, for finishing dd's class's Christmas presents-into-envelopes session, for the web, for the anticipation of watching the World's Strongest Man soon!

I love the World's Strongest Man, it's one of my secret pleasures! Do you know when it's on?