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NST - January. Bobs post bauble debt busting challenge

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  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Calling - hope you can get hold of your credit file soon. If only to reassure yourself that nothing has been taken out in your name by the dodgy lodger

    FunBrum - saw your comments re subletting and one if our landlords a long time ago was doing exactly that to us only I assume she did pay the rent as we never had any issues.

    Misstara - exciting indeed!
    " 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
  • Another NSD today :T


    Tomorrow may be a spend day as we are out of loo roll!!:eek:
  • Mothernerd - please look after yourself. You always seem to be on the go, and looking after other people. And enjoy your big Christmas celebrations. :D
    I have made my nsd target - hardly surprising as I've been skint for the entire year so far but good nonetheless :j It's payday tomorrow, and I have a BIG shop coming from Mr A, and a month's supply of cat food ordered, and I can put petrol in the car again. Then, I will be skint again. :eyeroll: - need one of those smileys.
    My 2 months off council tax will go part way to making up the shortfall for dh's income (unfortunately) I would rather it went somewhere fun, or to the emergency fund. Meh...
    I'm very tired and quite run down, but the work situation is completely beyond my control at the moment. I have accepted that, and just need to go with it.
  • apple_muncher
    apple_muncher Posts: 15,241 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Today I am grateful for knowing a variety of routes home and therefore getting home in time for dd, for dd's bread being available, for having enough freezer space for most of the aforementioned bread, for dd getting to sleep easily, for my stripey socks that make me smile.
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • XSpender
    XSpender Posts: 3,811 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Sorry I haven't been on for a few days, it has been busy with all the house sale goings on but we have accepted an offer of the full asking price and are chuffed to bits. We have a second viewing booked for a house we like this weekend and will probably make an offer on it if it is a good as we remember it.

    I have achieved one more NSD, possibly two, but will say 1 which puts me on 4 I think. That's shocking really :eek:

    Yesterday I got some free food and a free car wash :D

    I will be joining the challenge again next month as even though I haven't done so well on NSDs and food budget because it keeps me focussed and mindful of what I am spending. Plus we need to save, save, save until we move :)

    Calling - I didn't find Noddle accurate when checking my credit file and my mortgage broker wouldn't accept it either. I used a free trial on Exper1an and you can get cashback too.
    Save £10,500 - £2673.77 - 25.5%
    Pay off £7000 - £1743 - 19.4%
    Make £2021 extra income - £99.75
  • mothernerd
    mothernerd Posts: 4,858 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Debt-free and Proud!
    edited 28 January 2016 at 10:16PM
    No dress for me (fell asleep) and possibly no takeaway as DS3 is soundly asleep (having looked after me earlier). Not a problem, I have an apple , some mini rolls and I think DS3 has some leftovers downstairs. Still tired but much more relaxed.

    This week I am grateful for time spent with mum, for my lovely counsellor and a good chat with the volunteer receptionist (although slightly worried that I have become the old lady who knows what all the buildings used to be). Also Cary Grant films, the lovely taxi driver last night (who even made me laugh by saying he didn't want his fingerprints on the tree saw when the police found the bodies I'd buried) and my mother's cousin's husband for driving me round this morning.
    My mission in life is not only to survive,but to thrive and to do so with some Passion, some Compassion, some Humour and some Style.
    NST SEP No 1 No Debt No mortgage
  • Calling14
    Calling14 Posts: 3,498 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Xspender - wow that's good news and so quick. Thanks will check experian out.

    Mothernerd you really are a whirlwind. When you gather pace you just can't slow down. Chill out and do something for you.

    Spent today, couldn't get a hair appt till Monday, did a meal deal from M & S. Had £4 vouchers from surveys, then popped into HB for bunny hay and bits. So no spending all weekend for me to reach magic 21.

    Grateful for
    Daughter arriving safe and sound.
    Cosy house to shelter from latest storm.
    Lovely tea from leftover from spaghetti bol modified with few extra ingredients, sweet potato wedges and garlic bread.
    LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
  • Fmess
    Fmess Posts: 2,920 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Combo Breaker
    Quick check in as very tired, however I have tomorrow off and intend to spend most of it with my feet up and doing whatever takes my fancy :) Spendy day as I had to buy cakes for work but not bad, all in all :)
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New roof and car £8557/£19003 New kitchen £396/£5039 Credit card Paid Student loan Paid
  • dolly84
    dolly84 Posts: 5,851 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi all.

    Everything is ticking along smoothly (ish) here. Tonight me and DH have to go and put my Mum and Dad's new freezer into position, get the old one outside and move all the food across. This is the third appliance of theirs that has needed replacing in the last 6 months, in fairness the others were all very old. So we are getting a takeaway on the way home for us and the kids - a rare treat for us.
    Debt Free and now a saver, conscious consumer, low waste lifestyler


    Fashion on the Ration 28/66
  • I had two spend days while away and will have another today food shopping.
    Credit card respend 2551.58 (15/02/17)
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