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Spend Nowt, Buy Nowt, Owe Nowt
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You really are transformed, XSpender! Go you, paying off a debt, ds asking for YS items, getting that bujo going... Well done!
NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!4 -
apple_muncher said:You really are transformed, XSpender! Go you, paying off a debt, ds asking for YS items, getting that bujo going... Well done!
Let’s hope it lasts!
Save £10,500 - £2673.77 - 25.5%
Pay off £7000 - £1743 - 19.4%
Make £2021 extra income - £99.754 -
Hiya @XSpender I'm late to the party on your diary but I just wanted to say thank you, I've read the last page or 2 and I feel like it reads really positively - it actually made me feel really positive this morning so thank you.Wobbling my way out of debt one month at a time
Credit Card £0/£3,161 0% interest PAID IN FULL 29/01/2021
Loan £0/£23,179 5.4% PAID IN FULL 31/08/2020
Total £0/£26,340 100%
DEBT FREE AS OF 29/01/2021
wobbling-my-way-out-of-debt6 -
findingthisdifficult said:Hiya @XSpender I'm late to the party on your diary but I just wanted to say thank you, I've read the last page or 2 and I feel like it reads really positively - it actually made me feel really positive this morning so thank you.Save £10,500 - £2673.77 - 25.5%
Pay off £7000 - £1743 - 19.4%
Make £2021 extra income - £99.756 -
I spoke to the only member of our team who’s has returned to work today. Our client is speaking to the parent company to see what they plan to do about our contract this year. If they cancel the contract or postpone it until next year I will be made redundant. I don’t love this job but it gives me a decent sized shovel to shift the debt and I was planning to keep my head down and stick with it until the contract was up for renewal and we were rid of the debt at the end of next year. No point worrying about it until I know what’s happening for sure.
Sod’s law that the first month I set up a sinking fund for the dog he is poorly and has a telephone consultation with the vet in the morning.. I had set myself a little savings challenge this month of scraping £20 each Friday from my budgets. Except food and booze, those 2 are a challenge in themselves! I was intending to use this to pay for new flooring in the utility room. I will still do the challenge but put the money towards the vet costs to keep my EF intact.
I’ve caught up with the housework routine today, or will have done when I have mopped the floors, as I spent yesterday clearing the ironing, about 6 loads worth although not all of it needed an iron. Tomorrow I am going to make a new list of what is in the freezers, fridge and cupboards, make a meal plan and see how much of my £85 food budget I can hold on to this week.Save £10,500 - £2673.77 - 25.5%
Pay off £7000 - £1743 - 19.4%
Make £2021 extra income - £99.756 -
I’ve spent a good part of today in tears and hiding it from DS. I had a telephone consultation with the vet this morning and the prognosis for the old boy isn’t great. I have to take him for a proper consultation tomorrow. He is at the end of his natural life span, his teeth are bad and he is unlikely to survive the operation to fix them and won’t have a great quality of life if they are left and he is in pain. He is fading and I accept the end of his long life is coming sooner rather than later but it was hard to hear it in black and white.
I haven’t done much today but school work with DS, dishes, mopped the kitchen floor and cleaned the extractor fan and replaced the filter. I am embarrassed by how gunky it was.
I did go to Mr M this evening as I don’t think I will want to do it after the vets tomorrow. I am under budget 2 weeks inand dropped lucky with some much reduced bread rolls and GF wraps at 13p and 12p respectively. The offer I saw on soap powder wasn’t want I thought it was so I left it but did pick up 30 sausages and rice (although not the 5kg I was hoping for) from the bulk fund. I went a bit over the week’s budget on booze because I bought a small box of wine and GF beer for me as well as DH beers but mine should last me all month.
Save £10,500 - £2673.77 - 25.5%
Pay off £7000 - £1743 - 19.4%
Make £2021 extra income - £99.754 -
So sorry about dog-face. poor love. You will do what is best. Whatever that is.
4/10/22One Year Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******4 -
So sorry to read about your dog. Hope that the news might be better once the vet has seen the dog in the flesh.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 175 -
Thinking of you. So sorry to hear about your dog. Sending a virtual hug to all of youSave £12k in 2025 #2 I am at £9586.01 out of £6000 after August (158.45%)
OS Grocery Challenge in 2025 I am at £2226.88/£3000 or 74.23% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here4 -
Thank you all for your kind words about our dog. He has some antibiotics for now and pain killers for every day while he still has some quality of life. He could have his teeth removed but he would have few left and there is a high chance he wouldn’t come out of the op even if his pre med checks were good. DH and I are not going to put him through that. If he has a bad reaction to the pain killers or when he no longer has a good quality of life we will have to let him go. His heart and lungs are fine but he has a bit of a cough that may be something but as the vet doesn’t expect him to have a lot of life left they won’t investigate further unless it gets a lot worse
. He did get a free manicure
Save £10,500 - £2673.77 - 25.5%
Pay off £7000 - £1743 - 19.4%
Make £2021 extra income - £99.755
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