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

edited 1 November 2016 at 8:13AM in Debt-free Wannabe Challenges
724 replies 53.6K views
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  • FurryBeastOzFurryBeastOz Forumite
    1.4K Posts
    Eighth Anniversary Combo Breaker
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    Count me in please. Military style wk 1.

    Wk 2 were on our hols. Yay. And it's already paid for, cash ordered, and anything else will go on DH's credit card (his separate budget) so it should be 7 days spend free - I may allow duty free bargains/Big C purchases if good deals on stopover.

    Must make sure to check sun tan lotion etc. Going to allow one bulk buy as we've already placed our MF order to arrive on 30th Nov but it won't get charged until just before.

    My BIG one is going to be 'Fat Food' - cakes and hot chocolate Waitrose/Costa. Using YNAB for the first month, I'm horrified.

    Good luck everyone.
    Goals - Weight loss 6/26lb at 22nd Jan 18
    Mmmm. 26lb at 1/7/18. Oops:o
  • misstaramisstara Forumite
    3.7K Posts
    Seventh Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
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    Count me in please :)
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0
    Car - £4992.88. Now £2643.76 (47% paid)
    Emergency fund - £1000/£1000. Car fund - £1000/£1000.
    Flat deposit - £850/£15000 (5.7% saved).
  • WantToBeSEWantToBeSE Forumite
    7.7K Posts
    I've been Money Tipped! Debt-free and Proud!
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    My BIG one is going to be 'Fat Food' - cakes and hot chocolate Waitrose/Costa. Using YNAB for the first month, I'm horrified

    I am going to be struggling with this too! Since i moved closer to a train station, i keep popping into the nearest big town and getting a lovely Starbucks...i REALLY need to stop it!
  • BobarellaBobarella Forumite
    10.8K Posts
    Savvy Shopper! I've been Money Tipped!
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    I'm in :j:T
    " 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
  • I'm in - military
    Debt on 01/01/2015: £10,241.50
    Remaining debt as of 09/05/2017: £3262.87
    :j
  • Toni'sfriendToni'sfriend Forumite
    3.4K Posts
    Fifth Anniversary 1,000 Posts
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    Hello Everyone

    First of all I'd like to thank everyone for their kind thoughts and good wishes when I had to abandon my challenges last month. I was really touched by your kindness.

    I would like to join again starting in November. Looks like a toughie so I'll go for civillian for first week and see how I do.
    Have adventures. laugh a lot and always be kind.
  • This is my first challenge (I joined the boards today) so I'm trying my best to decipher the rules...!
    Debt on 01/01/2015: £10,241.50
    Remaining debt as of 09/05/2017: £3262.87
    :j
  • thriftylassthriftylass Forumite
    3.7K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
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    This is my first challenge (I joined the boards today) so I'm trying my best to decipher the rules...!

    If you have any questions just ask. This challenge seems tough but we're a helpfull friendly bunch.
    NST September
    NSD 6/20 NDD 7/22 spends £180/500
    Exercise 5/22
    CC Debt £1013 £700
    DFD 12/21 Mortgage 109343 (04/17) 92300 (11/19) 80779 (08/21)
  • FmessFmess Forumite
    2.9K Posts
    Seventh Anniversary 1,000 Posts Photogenic Combo Breaker
    ✭✭✭✭
    I'm in please, definitely military for week 1 :)
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New roof and car £8557/£19003 New kitchen £396/£5039 Credit card Paid Student loan Paid
  • apple_muncherapple_muncher Forumite
    12.2K Posts
    10,000 Posts Seventh Anniversary Name Dropper I've been Money Tipped!
    ✭✭✭✭✭
    Please add me too. I loved kat's challenges and your adaptation is superbe.

    I really do not know whether to go for military or civilian. I return to work on Oct 31st, on a phased return, (after being signed off for the last 6-7 weeks) but still need to keep travelling to and from mum's (4.5 hours on the trains) to help with her and to continue sorting dad's house. When I am away, food is bought daily so as not to impact on mum too much. Maybe I could count that like we do weekly activities? (Not trying to get sneaky NSDs, by the way! )

    Also, dd now has to be milk-free on top of gluten-free so being able to buy her foods is rather random and tends to be done as I see things - can be rather frequent, I'm afraid.

    I'd like to be hardcore but am feeling more feeble at the mo!
    NST July; NSD 14; Ex 17

    Mortgage £300 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate: very soonish
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