NST: October: Letting go of the love of stuff.

dolly84

Today is payday. A new food and fuel budget starts from today but I will post all budgets on the new thread on the 1st.

We are going out for the day today so I will report back later with spends etc.

Tea tonight is sweet chilli sausages in hot dog buns with chilli relish and hm potato wedges and some salad.

traveller

Morning everyone. Welshkitty well done on the shop. Mothernerd, I really hope it's good news regarding the house Well the little fella has well and truly come down with the bug, but he is in good spirits thankfully. Ex text me yesterday to ask what time he should collect him, I completely forgot to tell him, I had in fact taken half term off-oh well. If the little fella wasn't ill I would have let him go but he's better off indoors where he can sleep at will. I'm still tackling the flooring. My daughter is moaning I should just hire someone and really has no clue about my budgets despite me telling her :mad: TOG,I really get what you mean. I think coming out of debt, it scares you to go back in, because it's so hard to come out. I'm a bit down I've catapulted myself back into it but trying not to think too hard about it. I learned to sew over 20 years ago using Burda patterns and remember my first dart It was so satisfying making outfits! You'll be making outfits before you know it Well I hope to get stuff done with the little one today, depending on how the floor that left-it's three landings-turns out Take care everyone and have a good day. Sorry for the lack of paragraphs this laptop is very temperamental :rotfl:

littleskintdragon

Checked the bank this morning, and scottish power have taken a payment from my bank even though i swapped to eon at the end of Sept. So today i paid eon and scottish power!
Just got off the phone to s/p who have told me it takes 10 days for them to check it. Queue me crying to the man on the phone!! He said i can go to the bank to get a refund, some sort of claim. Which i'll do this morning and cancel my direct debit with them. The balance on the account was 0, and they'd even given me £1.85 refund as i was slightly in credit. What a rubbish start to the day!!

Sorry to moan!!

Anyway yesterday was nsd 12, which was what i was aiming for so that's some good news.

I'll read up better and post again later. Just needed to vent to people that might understand

E.ON_Company_Representative:_Helena

littleskintdragon wrote: »

Checked the bank this morning, and scottish power have taken a payment from my bank even though i swapped to eon at the end of Sept. So today i paid eon and scottish power!
Just got off the phone to s/p who have told me it takes 10 days for them to check it. Queue me crying to the man on the phone!! He said i can go to the bank to get a refund, some sort of claim. Which i'll do this morning and cancel my direct debit with them. The balance on the account was 0, and they'd even given me £1.85 refund as i was slightly in credit. What a rubbish start to the day!!

Sorry to moan!!

Anyway yesterday was nsd 12, which was what i was aiming for so that's some good news.

I'll read up better and post again later. Just needed to vent to people that might understand

Morning littleskintdragon,

Not much I can add to help, but I do understand

Sounds like you're doing all the right things and putting in and indemnity claim with your bank, so that's good.

I'm here though from E.ON if you need me

Helena

littleskintdragon

Thanks Helena, its not Eons fault, everything webt smoothly there.. Its s/p. They shouldnt have taken it and have said the same thing.
Hopefully it'll all be sorted asap

thriftylass

Good morning,

well I've done pretty much my final figures for this month (only need milk now till payday on Friday). It was an eye opener month where I kept all receipts and listed every penny again as I knew I either overspend or don't budget realistically

So I spent in October:

FOOD £306. I usually budgeted 250 and wondered why I went over! this month I made sure I only buy essentials, meal plan etc. It was a long month but I think down to our meat and fresh stuff consumption it won't be much lower. One meat free day a week has helped though. On shorter month I might get it down to £280.

GIFTS £130 that was for some christmas presents, a 40th, three kids birthdays, my mum's birthday, about 30 in postage

HH, kids clothes £106 - £30 for the garden, £24 for two boots for DD, trousers for DS, loo roll, nappies and other HH essentials

TREATS/WASTE £50 unplanned books, sweets, drinks, snack or lunch at work

FOOD OUT £26 one lunch out


All in I'm quite pleased especially with the present spend. I sounds a lot but I got 7 people covered for that and postage. The one I can and will reduce is the treat and waste section. Lunch to work every day, and definitely no snacks. Stop smoking completely and reduce drinking (although that's only a cider or two a week now). Still...Will definitely stick to meal planning now too and hopefully the slow cooker might reduce dinner costs a bit further. Don't really want to compromise on fresh fruit and veg just need to make sure that most of it comes from LIDL and Aldi rather than Tesco which work most weeks this month.

So this should help me help a lot planning the next few months more realistically.

Today should be a SFD and I will definitely go for a run

Have a nice day

Fmess

Afternoon all,


Thanks apple muncher for doing November


Stewby - you should definitely be a challenge leader, its a safe supportive place here and I think its always better to challenge yourself to something new when you're well supported


Enjoy your day out dolly

Well done on the DIY traveller and home DS feels better soon


LSD how annoying!


thrifty - well done on your budgets


I had my car MOT'd this morning and it passed :j It needed a tiny bit of work doing and had several advisories, but I can save up for those. This means that I also have the money to pay for a year's car tax outright, and have already done so, and had £25 leftover to pay off my debt


I have also decided that I would like to get in better shape, so I am going to start using My Fitness Pal to track my food and the steps from my Fitbit. I have already done 11,000 steps as I walked from the garage to town, around town (without spending!), home from the bus, back to the bus and then to the garage again. I'm just about to take the dogs out for their walks too so hopefully that'll all help!

Calling14

Happy Monday everyone.:j

Had to spend today needed sawdust that darn rabbit, he's cute so don't mind spending on him. Thinking I should have bought trick or treat stuff whilst I was spending. No doubt need something before the end of the week. Bought some ys mince so will stuff that in the freezer as today will be a meat free day.

Tried looking at my budgets this am things seem so tight at moment. Can't find any areas to cut back either. Had 12.00 back from Quidco today.

11,000 steps Fmess sounding good. Will have a medium walk after work today as the sun is out. Good news on your MOT. Dreading mine in December had so many recommendations last time. Hoping I get my cashback from quidco(for BT) by then. Tracked at 160 pounds.

Off to update my signature and it's not going to look pretty. Don't regret my fridge/freezer purchase as it has just enhanced my kitchen.

This month so far ( only need to buy sweeties this week for Halloween)

Food 84.8/100
SFD 14/20
Fuel 60/40 however this should last, topped up to get extra nectar points.

Naughty spending 76.00 on me - clothes/make up and hair dye( got 2 so will not have to buy next month). I did have 55 pounds birthday money so only really 21.00 spend. Got a gorgeous camel coat in New look with a birthday code 20% off cost me 24 pounds made up with it as now use my old tatty one for work.

Freezer is looking pretty full, good old blackberries:rotfl:

Have a nice day

apple_muncher

lsd - big hugs. I had my neighbour round this morning, almost hysterical in tears because money she should have had in her account just was not there, and DDs were still going out. Nothing to do with the power companies, but an old employer not sending the tax people the correct paper document, and then she didn't get ctc. A right mess and very hard to untangle. She needed money (and nappies) so I went to the cashpoint to get some for her. Hopefully she can get it sorted, but the panic and despair in her eyes is so unnecessary - if only 'people' would do what they are supposed to do, eh?

I am extremely grateful for my frugality, as it meant I had enough to give her what she needed. I'll therefore have less to scoop over, come payday, but her need is so much greater than mine.

Hope you get it all sorted out quickly. Amazing how they can take your money immediately, yet require over a week - at least - to sort out their errors...

littleskintdragon

applemuncher thank you, i hope your friend gets her finances sorted asap. Its so hard, especially when youve got other people like children dependent on you. If it was just me i wouldnt mind struggling by, but im on a really tight budget this month, that and the need to put in loads of petrol for work (which i can claim in expenses but will be about a months time). Also my most recent expenses payment wasnt paid because of the issue in h/o where they thought id been overpaid so i also have to wait for that too

Things will work out though, they always do!!