“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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  • SpekySquareheadSpekySquarehead Forumite
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    I've started planning for November in doing a big shop yesterday, my lunches for the week are sorted. I'll also then use up anything in the fridge/freezer before buying again.

    Need to start thinking about Xmas too and keep my eyes peeled.
  • Toni'sfriendToni'sfriend Forumite
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    Morning everyone

    I'm going for civillian but hope not to spend too much on the other days.

    We have three days planned in November. One family occasion and two nights in Edinburgh.
    Hotel is paid for and meals and drinks will come from a holiday fund (we put aside an amount for holidays/travelling when C inherited some money unexpectedly a few year's ago. We decided it should be used for this while we were both in good health and it's worked out really well).

    I have a menu plan of sorts for next week. As I keep having to adapt it I've chosen seven lunches and dinners for next week but not decided when we'll have which. All the ingredients are coming from the freezer and store cupboard. I should only have to buy bread, milk, veg etc. I've set a budget o f£200 for three of us. This includes food, son's packed lunches and cleaning stuff

    We don't have a car, get free bus travel and walk everywhere locally. Only use the trains if there is no other alternative so that's not much of a problem.

    Nobody needs any toiletries. Apart from the three days above I'm trying for alcohol free this month.

    Will try for long walks three times a week (more if possible).

    Fairly organised for Christmas. Just some bits and bobs and Amazon tokens to buy but those can wait till next month.

    Good luck all.
    Have adventures. laugh a lot and always be kind.
  • edited 31 October 2016 at 11:53AM
    thriftylassthriftylass Forumite
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    edited 31 October 2016 at 11:53AM
    GOOD MORNING AND HAPPY HALLOWEEN!

    First of all sorry for my absence over the weekend, but I don't have access to a computer then (only my phone) so tend to just read but not post much.

    apple muncher good luck for your "phased" return, hope the day passes quickly and without trouble.

    Thanks to all that posted their number, plans and target. I'll list the remaining new contenders (up to Dizzy Imp) in a minute. Check if you're in the list, if not give me a shout.

    Only one more sleep and we're off.

    I got paid today and transferred all my monies. My grocery budget for 2 big and 2 small people plus a cat and an imaginary mouse is £270. On top of that I'll have £130 for household and other spends. The fridge and freezer are full (although the fridge got majorly raided by DD who is two 1/2, skinny with hollow legs and eats like a horse). I will try for 6 NSDs in a row and try to hold off going shopping till next Sunday. DH made a massive beef bourguignon yesterday and that should feed us another two meals. Made a large pot of squash, chickpea and kale soup for my lunches (DH gets dinner left overs). Tonight's halloween dinner will be eyeballs (LO meatballs with round cheese disks and olives for pupils) and worms (spaghetti). Quickly made a tomato sauce this morning.

    Off to a good start on some extra money for christmas. Got my first £10 Amzon voucher from P!necone.
    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)
  • fairy3fairy3 Forumite
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    Good afternoon

    Would like to join this challenge please for this month, I did one a long time ago with Kat at the helm and need a good kickstart.
    Civilian for me please

    Planned outings - one birthday meal which is budgeted for
    Day out with friends but will take a packed lunch and flask
    Trip away for four days from the 28th Nov which is all paid for and no new money needed.
    Budgets done and all money accounted for
    Will allocate £20 mergency fund for unforeseen jollity's
    No beauty products to be bought - have enough and will include a 'use up' mini challenge for myself
    Have fair amount of food in cupboards and freezer that are mainly audited. Menu plan done for the month
    Food bill is a bit trickier - I budget £100 per month for myself, one dog and two ad hoc adult children who work unsocial hours and sometimes eat at work/out so not always here for food. Will be interesting to see how that works - reduced by 5% will be £95.00
    Will eat from freezer before considering bulk cooking but should only need veggies milk and bread for at least a couple of weeks..no Liddlies or Al*i here and do not tend to use SM's so gave up 'big shops' a long time ago.
    Will budget £10 per week on petrol as now retired so use the car to transport DF to his various appointments and farm shop visits so is doable.
    Will use public transport tomorrow only as off into the city which is too far to walk.
    Don't drink much but will have drink at the birthday do already mentioned
    Exercise will be walking the dog will aim to increase and vary the route to take in the autumn weather before it gets all dark and horrible
    C word - Have a list and will collect all wrapping/cards and sort out the decorations in week one (from various places around the house!). Have
    some knitting on the go which is not growing at the moment.
    Weekly project costing nowt - have two chairs to paint and recover seat pads, have paint and all equipment just need to decide on fabric and get on with it.
    Think that's about it for now - thank you thriftylass for organising this am really determined to get this mortgage down below 20K which is my goal.
    WantToBeSE -
    Extras- I do NEED some new winter boots, desperately. But i cant find any that i like for £50 or less. If i do find some though, I'll have to spend on those.
    Am not sure if there would be anything on this site https://www.redfootshoes.com/ they have 70% off sale with a free introductory 15% off if you sign up for their email and a free pair of coloured laces just now. I bought my last boots from them last year and very happy with them - delivered promptly too. They are all sub £50 but depends on your style. Am not affiliated to them in any way, they just keep sending me emails.......
    Sorry for such a long post, hope everyone has a lovely day

    F x
    January 2020 Grocery challenge £119.45/£200 :)
    February 2020 Grocery challenge £195.22 /£200
    March 2020 - gone to pot...
    April 2020 - £339.45/£200
    May 2020 - £194.99/£300
  • dolly84dolly84 Forumite
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    WantToBeSE wrote: »
    Morning All :)
    I have been busy preparing and writing down all expenses. I've written my meal plan for week 1 and should not have to go shopping for it at all :)

    -The biggest and by far the most difficult, is the food budget. I'm out of control with it, and have decided to reduce it down to £50 a week. There is only the 3 of us, and the 2 teens are at school all day anyway. I have lots to use up in the pantry and cupboards, so will start there.

    -Petrol. I can get away with limiting this to £20 a week.

    -Gifts. It's both of my my sisters birthdays in November, so i am declaring that I'll spend no more than £40 each on them. Hopefully less!

    -I'm not going to spend ANY money on beauty products. I have been trying to find a cheap alternative to Clinique's 'Moisture surge' for ages, so will continue the search but not spend any money. I might see if i can blag a freebie from the Clinique counter if i go there.

    -Exercise. After having some heath issues recently, i have been told that i am allowed to start exercising again. So i am going to start with the Couch to 5K app again. I have a thread on here, if anyone would like to join in? http://forums.moneysavingexpert.com/showthread.php?t=5520685

    -Alcohol. I don't drink any alcohol anyway, so thats not a hard one for me.

    -Christmas. I've already saved money for Christmas. I have a list of what i am going to buy people and will not deviate from this. I have £450 left in my Christmas fund. And only need to buy for my 2 children and younger sister.

    Extras- I do NEED some new winter boots, desperately. But i cant find any that i like for £50 or less. If i do find some though, I'll have to spend on those.

    Thats it! That is everything i am going to spend in the month of NOvember. No coffee at Starbucks, no eating out, no top up shopping trips.

    Have a look on ebay for your boots. I just bought a brand new pair of Timberland ankle boots for £38 including postage. Lots of people buy and then don't wear for one reason or another.
    Debt Free and now a saver, conscious consumer, low waste lifestyler


    Fashion on the Ration 28/66
  • thriftylassthriftylass Forumite
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    WantToBeSE wrote: »
    Extras- I do NEED some new winter boots, desperately. But i cant find any that i like for £50 or less. If i do find some though, I'll have to spend on those.


    I can also recommend [email protected] I buy most of my clothes/shoes from there now, especially higher quality branded ones for pennies/few pounds most in great condition as I am reluctant to pay full price for them and gone off the Primark/cheap ones.
    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)
  • WantToBeSEWantToBeSE Forumite
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    Thank you all for the suggestions for where to buy some boots :) I never have much luck on eBay, but will keep making sure that i keep an eye there too.

    I saw some lovely ones in the Clarks sale, but they are at the top of my budget at £50, and i dont think suede is a good idea for wet weather. http://www.clarks.co.uk/p/26120061
    I am going to hold out and see if i can find better ones at a cheaper price :) I don't wear leather, so hope that'll make it cheaper still!
  • apple_muncherapple_muncher Forumite
    12.2K Posts
    10,000 Posts Seventh Anniversary Name Dropper I've been Money Tipped!
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    Thank you for the well wishes for work (does that even make sense...??). It went fine,and I was crying when talking to the head - not her fault, may I add, just that she was so lovely. She agreed to the order of days I do each week, and also to removing a certain part of my teaching. Removing that part will help me tremendously, and the subsequent drop in pay is totally worth it. So, a good meeting that made me feel supported.
    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
  • WantToBeSEWantToBeSE Forumite
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    Thank you for the well wishes for work (does that even make sense...??). It went fine,and I was crying when talking to the head - not her fault, may I add, just that she was so lovely. She agreed to the order of days I do each week, and also to removing a certain part of my teaching. Removing that part will help me tremendously, and the subsequent drop in pay is totally worth it. So, a good meeting that made me feel supported.

    I'm so glad that you feel supported, and that that part of your teaching was removed for you :j
  • clippy_girlclippy_girl Forumite
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    Hi all, I would like to go for civilian please!

    I am getting my kitchen and boiler ripped out next week so will be upside down for a while! My food spend should be very small as all my dinners for the next 3 weeks are already made and in the freezer so just need heated up!

    I do have quite a few outings planned so will ensure I don't agree to more! I have got 2 weekends away and then am going on holiday on 30th for a few days.

    Ps glad your meeting went well Apple!

    :)
    :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
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