NST October Finding Your Inner ferret
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Extra cash: I finally got round to comparing car insurance, and have asked for a quote from an insurance company that advertises to people who drive less than 20,000k per year. Over the phone the lady told me it would be €482 for the year, where we currently pay €850! The only problem is that I have missed the three(!)month notice period, so now I can only switch if my current insurer puts their prices up.Are you wombling, too, in '22? € 58,96 = £ 52.09Wombling in Restrictive Times (2021) € 2.138,82 = £ 1,813.15Wombabeluba 2020! € 453,22 = £ 403.842019's wi-wa-wombles € 2.244,20 = £ 1,909.46Wombling to wealth 2018 € 972,97 = £ 879.54Still a womble 2017 #25 € 7.116,68 = £ 6,309.50Wombling Free 2016 #2 € 3.484,31 = £ 3,104.590
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Gooooood morning Turtles,
Failed in my NSD yesterday in which I didn't have time to myself which mean I didn't prep lunch for today which means today will not be a NSD. Damn it!0 -
Hugs to you Tonisfriend.Debt Free and now a saver, conscious consumer, low waste lifestyler
Fashion on the Ration 28/660 -
Thinking of you and your family Toni's friend
Today will be an SFD. Luckily I didn't bring my wallet to work as I already finished all my snacks and fruit and only got lunch left so I can't buy rubbish. Gym session again and we'll see what the rest of the day bringsDEBT 09/23: CC 6347 5120, Other 1763 NSDs 0/20 Planned debt free date: Dec 20240 -
Xspender can you make a list of all the clothes you need between you and then research where to buy them most cheaply? Sugarbaby on the wombling thread is an amazing ebayer. She finds all the stuff she needs for cheap. So many people sell brand new clothes these days." 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 £1027.200 -
Update time, not had a chance the last couple of days, been working, getting home & having tea then rushing out to catch up with friends.
NSDs -No. 15 reached today, but I want to get to 20 this month!
Extra cash – Managed to hit my daily goals with the surveys between dinner and seeing friends. I have also received my ebay fee invoice, which unfortunately was more than what I earned and leaves me -3p! At least the surveys are going well.
Learn - Awaiting the pumpkin, I have been looking at some designs thou
Food budget -So far I have still only spent £0.39 of my budget, but we will need a butcher run soon.
No cafes/Takeaways – 3 so far this month (one planned, two not) no more this month!!
Lunch to work - Successful everyday so far.
Travel budget – £29.38 spent on petrol this month, I don't expect to have to refuel again til next month.
Healthy eating – Hit and miss, I say 75% success
Exercise - Few races completed. Going to sit down with BF and plan a work out routine for the coming weeks. It gets awkward with my night shifts.Debt Free as of 17/01/2009 Turtle Power!!
EF Challenger #3 £138.36 / £5000
MFW 2024 #100 £00.00 / £10,000
MFiT #40 Jan 2025 Target - £99,999.00
Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.570 -
Hummm looks like spam for tea tonight.....is anyone else enjoying theirs?" 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 £1027.200 -
Aim for 15 NSD- 7/15
Extra cash – make sure all overtime is paid on time YES, use lidl and tesco vouchers £5 Lidl voucher to use next week YES saved tesco vouchers
Learn something new want to some slow cooker meals I can freeze in batches and homemade soups.- have done two lots of batch cooking last night 4 x curry 4 x chilli and 4 spicy chichen plus veg and potatoes
Food budget - Try shopping at newly opened lidl for a month - Only one trip to tesco
Lunch to work everyday 21/17
Healthy eating – Up your fruit and veg and reduce sugar intake had my flu jab and having a banana every day 31/3
Donation - Animal sanctuary
Exercise - 5 times a week -walk the dog 20/4
Dare I add alcohol free days (easy to say when it's September)
Debt free date October 2017 for CC/loans and May 2023 for my mortgage
:£120,000 / £28,000 Mortgage free date May 2023:j:£12,000 / £28,000 Mortgage free date planned May 2023 Actual mortgage free date June 2030
Retirement date planned May 20230 -
quick update:
NSDs - still not really achieving any. Lots of little spends here and there, not helped by OH's bday and DD home from uni for the weekend. As it's also half term coming up I'm not expecting any more!
Extra cash - fleabay has been going really well and also sold a load of stuff at NNS last weekend, so this part of the challenge has been good! Also done a couple of pinec0ne surveys L)
Learn - have been to Zumba twice. Going again tomorrow. Sweatily enjoyable
Food budget - have a pile of receipts to add to my totals. Have used tesc0 £5 and £7 off vouchers. Have a l1dl voucher which I may try next week.
Healthy eating - hit and miss over the last week - reflected in weight gain this week.
No cafes/ takeaways - did both last week - oops
Exercise - Zumba-ing and some walking. COuld do better.
xI 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 -
Not managed to post in a while, now up to 9 NSDs (I think, need to check). Seem to have to spent a lot of money recently but all budgeted forDebt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10802.94/£15000 (72% saved). Emergency fund - £1550.15/£2000 (77.5% saved).0
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