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NST: September: the Turtles go Wombling

edited 30 November -1 at 1:00AM in Debt-free Wannabe Challenges
528 replies 34K views
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  • edited 1 September 2015 at 3:08PM
    thriftylassthriftylass Forumite
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    Part of the Furniture 1,000 Posts
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    edited 1 September 2015 at 3:08PM
    Hello and Happy September!

    Back again after a wee absence and will start slowly. This month I won't have any hard and fast budgets/numbers as everything is a bit fluid just now and a lot of shuffling and damage control is going on that would just take to long to explain etc. I aim for maximum SFDs though and minimum spend.

    Anyway, over the summer we got a new mortgage (110,000 left) and reduced the time from 18 to 17 years but keeping the payments the same. We also bought a car as our old one died, hence we are in debt again. In July we had a CC bill of £4250 (3,700 car, rest necessary and unnecessary overspending etc.) which is now down to £3,760. OH has now a bit of money coming in occasionally from a second job which will go to that and paying his OD off. I keep making the minimum payments, he any extra (me too whenever I can). The CC is a 0% till April and I want to shift as much as possible before I might have to get a new deal.

    This weekend I'll have my first triathlon (shouldn't have read the news last night, as someone died at one down south, very sad) and after that we have a week off where we might go away for two days Glamping right after the tri as our friends had to cancel our visit and then three nights in Scotland (cheap voucher deal on luxury lodge).

    My gas and leccy bill will come down from 85 to 70 quid next month and as long as that lasts before the heating goes on (NOT this month!) I out that towards the CC too.

    We still have about £900 wedding debt left which will be gone by December this year.

    I've been training pretty much every lunchtime for the tri and would like to keep it up to some degree. Maybe a 3mi run twice a week and a swim also twice.

    Not really thought about christmas yet but started collecting vouchers etc. (Tesco £22, Amazon £10, nearly another £15).

    That's all I can think of for now
    Have a nice day

    EDIT:
    Cant remember who it was, but didn't someone else here do their first triathlon recently or is it still to come?
    NST
    SFD -/- spends £-/-
    Exercise -/-
    :j:j:jDebt - all 0% 0 to go from 5290 :j:j:j as of 12/19
    DFD 12/2019 Mortgage 109343 (04/17) 92300 (11/19) OP 1910
  • nannygladysnannygladys Forumite
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    Well first sfd and nothing entered in the new to me notebook. Money left over from last month put in a pot for EF, I know it sounds a lot (£5000) but as I'm retired I want to cover more serious things and if it isn't spent perhaps I can treat myself to a little holiday some time. Anyway leftovers tonight for dinner, pasta and meatless balls, I also have mashed potato left but I think that will be made into veggie cakes tomorrow.

    Not really done anything today, still getting headaches and tiredness from shingles, so making sure I can take it easy when I can. (Not tomorrow though as looking after dgd all day tomorrow and she's only two, but really cute!!!!)

    Nannyg
    Frugal challenge 2021
    Saving £1 a day 290/365
    Emergency fund 70/1000 - very slowly increasing!
  • FmessFmess Forumite
    2.9K posts
    Seventh Anniversary 1,000 Posts Photogenic Combo Breaker
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    Afternoon all,

    So my goals for the month are;

    1.) Pay a minimum of £300 off my debt (my stretch target is £404.63)

    2.) Lose 1.5lbs a week

    3.) Walk 11,000 steps everyday

    4.) Eat 3 pieces of fruit or veg a day

    5.) Be more sociable

    My budgets are as follows;

    Food £80
    Animal food £60
    Petrol £80
    Misc (including birthdays) £120

    Today has been quite hectic. I have paid £252.68 off my debt so far this month :j I have done the food shopping this morning and got the bulk of the food for the month and got some of the pet food for the month. I haven't spent anything on petrol yet and I'm hoping I can make it until next week without filling up as this should leave some in the petrol pot at the end of the month. I have two big birthdays this month and have bought their cards and presents today, so that is out of the way, and I got my hair cut and coloured today so I have spent most of the money I intend to spend this month. I also had to buy a new shower :( as the old one has broken however I am hoping a friend can fit it for me this week, which will be done for free.

    I'm back to work tomorrow so hopefully that'll stop me spending and I intend to leave my purse at home everyday so that all purchases are pre-planned.
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New roof and car £8557/£19003 New kitchen £396/£5039 Credit card Paid Student loan Paid
  • Hi sorry I am late to the party please can you sign me up :)
    will be back later to read all the post.

    Thank you
  • Fmess, I could do with being more sociable as well - I tend to hibernate when winter comes, and I can feel myself already retreating into my shell!
    NSD today and not a lot else to report. I paid for a course myself a few months ago, and now work have said they'll reimburse me for it! It's £400, so I've decided that I'm going to spend that on a break for me and OH at Christmas - it's money that I'd already budgeted out and wasn't expecting to get back (I'm used to paying for my own CPD, new job is a bit better than the old one about it evidently!), so I don't feel bad about spending it - sometimes you have to live a little bit, but still within your means of course!
    Hope other turtles have had a good day :)
    Bought my first house in 2014 - now, to be mortgage free! :D

    New York, New York: 3150/4000 (79%)
    Emergency fund £1000/1000
    Survey earnings 2016: £40
  • apple_muncherapple_muncher Forumite
    11.8K posts
    10,000 Posts Seventh Anniversary Name Dropper I've been Money Tipped!
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    My first NSD under my belt - I like starting the month with one if I can. A bit of work, time with dsd, dd's hospital appointment (now annual instead of 6-monthly because it's all going well), some sewing, a Tilly Tidy, and AGCJ's turkey meatballs for tea. A good day.

    Today I am grateful for lovely chats with dsd, for not getting caught in the day's various downpours, for getting some washing dried, for yummy meatballs, for finding 2p in the street.
    NST April diamond #9; NSD 2; Ex 7

    Mortgage £300 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate: very soonish
  • Can I join please? Going for 15 NSD, 17 days of taking my lunch to work, and a stretch goal of 20 days of not eating junk food.

    I'm trying to reduce clutter in my flat and increase my meal planning.

    My DFD is currently October 2016 for all consumer debt and December 2016 for debt to Bank of Dad.
  • NSD number 1 and LTW number 1. Haven't even hit 6,000 steps yet- shameful! Off for a swim and then aimlessly walking around the house until I hit 10,000 :rotfl:
    Letting Go NST #17
    NSD 1/15; LTW 0/9; budget £0/£250; food £5.20/£120; steps 0/31
    Make £10 per day in Oct: £30/£310

    Mortgage: £214,702.15
  • BobarellaBobarella Forumite
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    Savvy Shopper! I've been Money Tipped!
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    Hi Turtles

    I am joining Apple, AB & Nanny in declaring my first NSD. So a good start there.

    Fmess - loving your very specific stretch target. What's the thinking behind that one? Looking to get under a milestone number? Checked your sig but couldn't see anything obvious. Nosy Bob hey :)

    Had a great days trade, & came home to 2 messages asking about birthdays at the shop. We like those as it's all extra revenue.

    Had another £2 in tips in my jar, so going to roll those up with yesterday's & do a £5 PAD tommorow.

    Just finished reading a chapter of The BFG to my son and now about to start dinner. Chilli and rice with oven roasted aubergine slices. I love them at the moment. You can add lots of different flavours to them and they just suck it right up. My favourite is lemon and chilli. Yum.

    See you later

    Bob
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • WelshKitty85WelshKitty85 Forumite
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    Hi everyone!

    Enjoyed the last day off with little ones. Picked up their new uniform from the school (dd is not impressed that they have introduced ties!). Had to pick up some prescriptions in town and treated everyone to a cake from the bakery. So not a SFD but it came from the change I had left over from night out last week. Made a risotto with last nights stock. also cut DSs hair and had to put a stitch in his new school trousers. Little ones are washed and in bed ready for tomorrow.

    Poor DS has to go for some blood tests first thing before school. We have his magic cream ready so hopefully he won't feel a thing, but not how I would choose to start the school year for him! Packed lunches are made up ready, but need to sort my own lunch for work so we can get out of the house quickly in the morning, get to the doctors and hopefully still make school on time.

    DH has 'won' £10 on the postcode lottery, although it costs him £10 to play each month! Will split it - £5 to savings and £5 off the credit card.
    Enough is enough...
    £29,603 (22/7/18) £19,825.66
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