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NST: Sailing into September
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Me time done - a lovely bath! In peace! Bliss.
Declaring my 2nd NSD as no chance I'll be going out again today so safe from spending any money
Well retracting that 2nd NSD :eek: Didn't take online shopping into account! No but seriously, realised I had wrong size swimming trunks for DS so had to buy some online yesterday to ensure they got here in time for the weekend.- [STRIKE]Credit Card: £2,989 / £2,989[/STRIKE]
- Bank Loan: £12,000 / £14,000
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Hi all,
Been MIA for the past week due to (budget) hols, but back home and back on track now. Will read through the thread and comment later, but for now, here are my plans:
Spends – No NSDs as yet, but back to work tomorrow, where it should be much easier! Might manage one today – have to buy some new glasses, but I’ll get the money for these back from my health insurance.
Eating – We meal-plan anyway, but my OH is away for a few days this month, so I’ll use that time to scavenge. I know for a fact that there is some particularly sorry-looking frozen spinach in there…
Presents – Christmas list has already been mostly sorted, just need to fill in a few gaps, so will make this my project for the month
Time – I think a weekly hot bath and self-manicure will do the trick
Empty – The cupboard under the sink could probably do with slimlining, so I’ll do that!
Meet – Just arranged to meet up with a friend to use a restaurant voucher I have lurking in my purse :money:
Bed – Will deep-clean the bedroom
Exercise – I tend to do this anyway – 4 runs a week, and at least 14,000 steps / day aside from that (apart from Sundays)
Reading – reserved the next book I want to read from the library and picked it up last week. The 3 week loan limit will hopefully push me to finish it asap!Overdraft: [STRIKE]£715[/STRIKE] £220
Barclaycard: [STRIKE]£889 [/STRIKE] £1,089.33
Loan: £1450 [STRIKE]£50[/STRIKE] £500 -
Fmess - hope you any your family are OK today.
Today is my last day off with DS, he goes back to school tomorrow and DD on Wednesday, I will miss them like crazy. The holidays have flown by, they had 7 weeks in total but it feels like about 4. A new school year always feels like a fresh start to me so we will be having some changes in the Dolly household.Debt Free and now a saver, conscious consumer, low waste lifestyler
Fashion on the Ration 28/660 -
Hello,
quick check in first. Will catch up a wee bit later. Up to 3 NSDs so far. Keeping better track of my spends this month. So far spend £83 on food, 13 on HH products, 30 on clothes (mainly DS school clothes and some small ebay purchase for me) as well as another £140 on the joiner and snacks. The joiner was meant to come out of our house saving but I took it from general spending money to see if I can. He'll be another 200 for labour I think which will come from there.
Good weekend although we got lost in the mountains and walked for 7 hours non-stop instead of the planned 3. Was with two friends for a trial run/walk of the route for the duathlon in two weeks, over two Munros. Only had 5 meters visibility at some point and the friends that I wanted to learn navigation from couldnae read a bl**dy map and compass between them. I knew actually more than I thought and found our way home after trusting them where to go. Oh, well good exercise and I'm now definitely not worried about the race.
See ya in a wee whileDEBT 02/25: total £6100 Debt free date 12/250 -
Thriftylass, that sounds like quite an experience!
Right now, I'm working on the version of NSJ that I copied onto my planning document - going well so farbut definitely seeing the need for better planning of presents. I bought a little present for my niece's birthday, as I saw her yesterday, but didn't have birthday paper or bags, so had to spend £2 (!!!!!) on a bag, at a railway station
not good, not good, not good! That'll teach me (again).
Lovely to see my sister's adult offspring, that definitely counts on meeting up with people, haven't seen her son and his new wife since they got married in May.
Tomorrow - its the "empty" bit of the challenge, taking a whole carful of old, decrepit, dirty stuff to the tip.2023: the year I get to buy a car0 -
Hi Turtles. :j
Not much to report boring weekend thanks to rain. Did a wet walk Saturday morning, film afternoon with grandson at home. Watched Zootropolis liked it. Rented off Sky but seeing as they given me a voucher, got some money left think only needed to pay 3.49 for 3 of us good value wet afternoon.
Sunday was bored and still raining, went to sainbobs and was slighty naughty - treated myself to a denim skirt for winter 18 pounds . Had 10 voucher and did bit shopping got 2 meat joints reduced. Total spend 27 pounds Upcycled a chair I had been given, painted it white, so will have a clothes dumping chair in my bedroom now hehe.
Horrified on the way there was turning off motorway and came upon someone trying to enter motorway wrong way. Heart sank, think the car in front of me couldn't react so shocked. Anyway beeped and tried to get out of my car to stop them but luckily car behind me had got the message over to them and turned around. Phew I was so shaking bought a coffee.:D
Thifty sounds an experience - do be careful, mountains can be so scary in bad weather.
Diet still on, trying not to think about food. Oh is it lunchtime how exciting cheese salad was bringing beef but cut finger chopping up cucumber and couldn't stop bleeding, no plasters to be found, so unable to attempt cutting beef this morning.:( Nevermind looking fwd to my tea.;)LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/220 -
Calling - that sounds scary - could have had a nasty ending
Catching up for yesterday + today:
Spends - still no NSD achieved. Yesterday was 2 smkt spends (sig updated) but should only need milk for the rest of the week. Today was car MOT & service - I needed 2 tyres desperately (to pass) and would need the other 2 before Winter, so had all 4 changed - total garage spend £597.87 :eek::eek:
Eating - cooked a pork joint from the freezer yesterday but it was 'off'so threw it and the other identical one bought on the same day in the bin. Quickly cooked chops from the freezer instead for our roast!
Children all sent to school with packed lunches
Me Time - soak in the bath last night :T No me time yet today (been cleaning our BTL after decoration ready for tenants on Friday and then some training at work after school) Plan on catching up on last week's Bake off later
Exercise - 20 minute walk from garage this morning back to school where I met OH. Steps today so far at around 9k, so should make my 10k target.
Sharing food - small bag of donations dropped to foodbank collection point at smkt yesterday
Hope everyone is having a good Monday and that all school staff have survived! - and any parents with offspring starting school/ changing school have also survived!
xxI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £200 -
Day 5
So, today has not been a NSD as I had to buy some coffee and get a few things for the house! the can opener broke and I needed to buy household things such as toothpaste, deodorant, face wash and dog food. £26 later!! To be fair it could have been a lot worse and it came out of the grocery budget. So NSD still at 3/14.
I've done some more cleaning today too - and started washing the bedding for our room and the spare room so clean sheets tonight.
I've also started to charge my Kindle, and I'm planning on a nice long hot soak in the bath with my Kindle and candles for some 'me time'.
I should also make my 10,000 steps today. I'm at 7,000 so far so not too many to go!
Not much else to report.February Grocery Budget: £190.75/£350.00
NST no. NSD 4/150 -
Calling, wow that was scary! I remember back in 2003, we had my parents in law visiting from New York and every time we were in the car, my FIL kept asking my husband if he didn't get confused as to which side of the road he's driving on. On and on he went. Every single time, he would repeat himself. Until one late afternoon, very weirdly, my husband did get confused and he nearly drove head on to an oncoming car. By this time I think even I got confused because before the near miss, I and felt so annoyed at the other driver for driving on the wrong side of the road, only to realise it was us who were on the wrong side! You know how in movies you have slow motion insuspenseful event? I could my life flashing before me then and just seconds before the would-be collision my husband managed to turn his wheel and narrowly avoided the other car. Oh the smell of burning rubber, I could never ever forget.
Glad you didn't have any mishap there calling. Phew."There is Life AFTER DEBT."LBM 2009 Total Debt £49046.24 Debt Free as of 27/08/20150 -
Good afternoon turtles!
1. Spends. I'm so excited to declare NSD number 2.
2. Eating. Hubby and I had left over pasta for our LTW and DS2 had the same all day. ( He doesn't start school till tomorrow.) Dinner is fish pie using up stores. I put a liter of milk in the freezer last week before we went to Dundee (it was ys at 9p). That came in very handy for blanching the fish (ys cod and pouting fillets which I've saved over a few weeks). Veggies, potatoes, leeks, all ys to bulk the fish pie up. And very yummy too.
3. Presents. As it is NSD and I was at work all day, no pennies or pounds were harmed for the sake of presents today.
4. Time. I had a few minutes to myself when I got home from work. Feet up and ITv player on my iPad to catch up on Victoria.
5. Empty. Because DS2 was at home all day, he kindly offered to do the laundry and I came home to an empty laundry basket yay! He's doing a good job standing in for his big brother. He also made me a nice cup of tea for my itv catch up time,
6. Meet. I had a nice catch up with my friend and colleague who normally works at another hospital but today she was in the same hospital as me and we spent lunchtime together at the staff canteen (I had my LTW and she bought her lunch.) She bought me a cup of cappuccino, a womble! (90p saved). Plus two coffee beans on my coffee loyalty card (yes, they're doing a coffee loyalty card ala McDo). I'm one away from having a free coffee. Since I very very rarely buy coffee from them it has taken ages to fill a card of 6 stamps, most of them are from wombled coffee bought for me by friends.
7. Bed. One thing I have recently noticed and mentioned to my husband is how I appreciate my good night's rests especially the last few nights since coming back from our camping trip. Even in the hotel in Dundee, I had very good sleep. Maybe it's because the time we spent in nature did me a world of good or maybe because I haven't touched my sewing for the last weeks (it could get very addictive and I usually stay up late because I couldn't stop sewing) I also appreciate how much better my health has improved since I stopped doing night shifts in January.
8. Exercise. I really need to do something about this. Last week I cancelled my WW membership not because it doesn't work but because I hadn't bothered to follow the plan and it is such a big amount of money to pay when I'm not using it.
9. Reading. I finished 2 books last week while we were away in camping but I haven't been able to pick up a book and read since we came back. I must work on this one too.
Hubby was supposed to finish at half five but his manager asked if he could do a bit of over time til 8:30 and he couldn't say no. That, and DS1 being 4 hours away and DS2 being lost in his own gadgety world pushed me to the edge and I had a weepy moment. I don't know what came over me. I just felt so emotional, sorry for being such a drama queen.
Have a lovely evening folks."There is Life AFTER DEBT."LBM 2009 Total Debt £49046.24 Debt Free as of 27/08/20150
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