“Just Say NOvember; Batten Down the Hatches 2016”.

FurryBeastOz

Chimney sweep turned up. Yay. 1300-1800 and arrived at 1258. Very impressed. WiTh the turn in the weather today, I'm glad it's done. Had to scrape the car this morning.

Use up lunch - heel of bread and OOD today ham (no sandwiches for DH rest of week. He only told me yesterday Grr) Tried Lidl baked beans for the first time. I'm normally an H fan. Very tasty and FAR cheaper.

Bobarella

Hi All

I am rushing a bit as we are now on the run down to school pick up o clock. Today I have:

1. Been shopping. I wrote a list. Shopped for main meals as today is a planned spend day. Tommorow a NSD. I spent £20.30 (note to self update grocery sig total)
2. Came home. Rang a company who owes me £30. Asked why the cheque had not been reissued as requested. Now I know. It will be coming soon.
3. Rang Indesit as we are one of those with an affected tumble drier. Couldn't get hold of anyone. Have left a message.
4. Rang the docs to order more pills (the ultimate money saver, lol) have to go for a med review tomorrow to recieve them. Have arranged with OH to cover the school runs as it's a late appointment
5. I recycled my pumpkin into the compost heap
6. Made scones using up some lemon rind, freshly grated ginger, orange zest and juice and a plum
7. Whilst the oven was on I made a lasagne for DS tonight, his dinner tommorow and our dinner tommorow. I then made a beef pie for OH and I. I bought a £5 pack of frying steak today that had 4 steaks in it. I used just one for the pie as that was plenty. The other 3 have been allocated for a steak dinner later in the week and the spare one I will cook and use in a stir fry.
For the pie I will be using up some pics pastry I cooked and froze from an event I catered.
Also used up a big bag of carrots from the freezer in the pie.
8. Have checked my online banking. More bills gone out today but fine.
9. Hoping my bus money will stretch another day thanks to the hopper fare
10. Line drying some washing as it's beautiful sun here again despite being cold.

Back later

Living_a_good_life

Hi all,

It's been a while but please can I join in again - need to focus. I'll sign up for military if that helps my case for being a day late?

Need to sort my signature but still debt free just about as the cc gets paid but got heaps of house stuff to do since we moved and savings would be nice and then maybe maybe start to chip off the mortgage....

Did a small shop yesterday - will use up supplies but may draw the line at eating all the runner beans in the freezer before I shop - although I suppose we wont need much heating if we do! :eek:

Love to all,

LAGL

Calling14

Day 2 and I have managed a SFD.

Paid 100 off spendy cc so that leaves me really broke this week.

Away for 2 nights next week B & B Chester deal paid for beginning of the year, will have to pig out at brekkie and take some snacks with me. Got a health club/pool so I may come back skinny. I need to.

Gorgeous day here, just wish I had done my washing before work.

Claimed 4 pounds back surveys and another 10 pounds sainbobs voucher - will try and keep them for Chrimbo
Looking forward to nice walk before it gets dark, so much fun kicking leaves everywhere.

After pork salad for lunch guess what more leftover pork for tea, add baked sweet potato and use but tons of veg in my crisper - sorted.

I put my heating on bit later last night, advantages of a gas oven warms up kitchen. My collective switch runs out beginning of Dec with MSE had a look about briefly will decide where to go next week. Sains looking favourable.

Enjoy the sun if you can get out in it folks need a bit of Vit D this time of year.

thriftylass

Living_a_good_life wrote: »

Hi all,

It's been a while but please can I join in again - need to focus. I'll sign up for military if that helps my case for being a day late?

You're number 39 and welcome.

Calling14 wrote: »

Day 2 and I have managed a SFD.

Paid 100 off spendy cc so that leaves me really broke this week.

Yay, NSD wil be a doddle then


Motivational quote for the day
The easiest way to double your money is to fold it over and put it in your pocket - Kin Hubbard. So keep those NSDs coming

Calling14

Motivational quote for the day
The easiest way to double your money is to fold it over and put it in your pocket - Kin Hubbard. So keep those NSDs coming[/QUOTE]

Love it:beer:

Yes your right. SFD's will hopefully reach military target this week:D

Seasidegal58

thriftylass wrote: »

BTW it would Not have been a NSD (no spend day) anyway, even if in budget as it is spending money. They only things that don't count are bills like rent, electricity, the monthly gym membership, after school clubs. Even budgeted spends are spends

Crikey! :eek: If I have any more of these I'd better make them on the days where I know I'll be spending!!! i.e. tomorrow's Xmas Fair, carpet cleaning day and friends retirement do! Just realised as well I have budgeted nail appointment tonight so at least this will go on today's spendy day! Or (being crafty) as it is a regular monthly outlay does it count as a no-count like a gym membership?:D

thriftylass

Seasidegal58 wrote: »

Crikey! :eek: If I have any more of these I'd better make them on the days where I know I'll be spending!!! i.e. tomorrow's Xmas Fair, carpet cleaning day and friends retirement do! Just realised as well I have budgeted nail appointment tonight so at least this will go on today's spendy day! Or (being crafty) as it is a regular monthly outlay does it count as a no-count like a gym membership?:D

Yes that's it. It makes you think about spending, needs, wants....do you need the nail appointment, could you clean your own carpets etc. It's about changing the mind set and getting spending down to essential needs so to say to throw all the extra cash at the debt or into the savings.

Re being crafty: tricky, could you use up what you have first? Do you attend regular classes etc? Or do you need to buy materials there and then or could you save that spend for a spend day. Just because my regular book or sewing magazine is budgeted for doesn't mean it's a need and I should be able to spend on it, if that makes sense? Could you have a craft plan like a meal plan where you buy monthly all you need?

EDIT just looked at your signature, whatever way you did it, seems to work, debt free and 5k in savings. Well done :T

Seasidegal58

Thanks thrifty - having a decent job helped with the debt payments and continuing savings!


'Fraid I need the nail appointments - gel extensions - would never do it as well myself. Re. carpet it's only once a year and he does it so well with his lovely machine - comes up beautifully!!!


You should have seen the bill for my toiletries/make up during my debt days!:D

Living_a_good_life

Just gone for a walk - so that's one exercise kicked into touch - feel so much better for it! One hour of work left before a grab the squiglets from school - they have an hour of scrabble club on Wednesdays and it's free! Then home made burgers for tea and I'm off to a meeting while hubby takes eldest squiglet to swimclub with the munchkin squiglet tagging along on minecraft (quality parenting....).
By the time I get home chances are DH will be on the tiles - no alcohol - he is refitting our bathroom because the shower got overexcited and started to drip into the dining room - he spent all of halt-term week working like a star - problem is even with shower screens and trays from ebay new tiles, flooring, pipework, and lots of things that I have no idea what they are called don't seem to be cheap But still much cheaper than if we had to get someone in to do it and I will finally be rid of the beautiful "Brut" colour tiles that came with the house
Anyway onwards and upwards! LAGL xx