Forum Home» Debt-Free Wannabe» Debt Free Diaries

Spend Nowt, Buy Nowt, Owe Nowt - Page 5

New Post Advanced Search

Spend Nowt, Buy Nowt, Owe Nowt

edited 30 November -1 at 1:00AM in Debt Free Diaries
1.4K replies 147.1K views
12357136

Replies

  • apple_muncherapple_muncher Forumite
    10.9K posts
    10,000 Posts Sixth Anniversary Name Dropper I've been Money Tipped!
    ✭✭✭✭✭
    Let's hope that he remembers to take them with him...

    Mum used to freeze our sandwiches for lunch, and I can safely say that flapjack freezes well too!
    NST August #; NSD 11; Ex 20; bagfuls 2 (59)

    Mortgage £500? 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
  • hex2hex2 Forumite
    4.7K posts
    I've not frozen sandwiches (as nobody here eats them) but in general cheese works better if it is grated rather than sliced before you freeze it. Stops people munching if you buy a big block, grate it all at once and then freeze it. I bash the bag on the freezer and take out however much I need.
    'If you have a garden and a library, you have everything you need' Marcus Tullius Cicero
  • TahlullahTahlullah Forumite
    1.1K posts
    ✭✭✭
    Won't the bread go soggy as it defrosts?
    Still striving to be mortgage free before I get to a point I can't enjoy it.

    Owed at the end of -
    02/19 - £78,400. 04/19 - £85,000. 05/19 - £83,300. 06/19 - £78,900.
    07/19 - £77,500. 08/19 - £76,000.
  • XSpenderXSpender Forumite
    3.8K posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    I used to grate the block of cheese when I bought it hex2 but have got out of the habit. I will see if I can locate the grater part of my mini food processor and do this tomorrow. DH is terrible for snapping a chunk off the block for a bedtime snack!

    Spent £4.50 on some beers for DH and £16.50 on school photos of DS. I have a wonderful picture of DS that was taken at nursery by a professional when he was 4. 3 years of school photos and not one of them has been any good he always looks uncomfortable and nervous and he is normally a happy and confident boy. In this years he looks spaced out :eek:

    £33.46 on it's way from TCB today to cover the overspend on the house maintenance/doing-it-up pot.

    I do love YNAB :heart: Before YNAB I would look at the bank account and see how little was in it and panic with 2 weeks to go before pay day. I would start using a CC or transfer money from savings thinking I was going to run out of money. There is not much in our current account at all today but looking at YNAB I know I have enough money to cover the last couple of DDs and enough in the food budget to keep us fed and watered.:) I'm still skint but not worried sick and skint.:rotfl:

    I do need to buy a birthday card for my dad and some stamps tomorrow, one to post the card to Europe. I have got DH to sign a piece of paper so that I can send a letter to the PPI company if needed once I have called them to advise we want to cancel the policy. This months payment isn't due yet, it would be too much to hope I would not have to pay May's payment either ;) I could pay it straight off the Arg0s BNPL!
    PAYDBX 2020 £6,923.64/£10,000 69%
    Target CC - £999/£1030 SIF by Dec 2020
    Target Loan - £422.94/£493.43 by Nov 2020
    Big Emergency Fund Part 1 by 31.12.20 - 37.5%

    Days since CC used - Christmas Eve 2019 - 224 (7 in 2019 + 2020)
  • BobarellaBobarella Forumite
    10.8K posts
    Savvy Shopper! I've been Money Tipped!
    ✭✭✭✭✭
    I find the school photos are poor too. I usually buy the class one rather than the individual ones. My husband is such a good photographer it would be nuts to pay for ones we don't even like.
    " 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
  • XSpenderXSpender Forumite
    3.8K posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    Mortgage cover will be cancelled today when DH rings them as joint policy holder. I do not need to pay this months payment so have cancelled the DD and saved £71.54. The payment was due to go up from June so £73.15 saved from next month :)

    Green Thumb are due next week for the quarterly grass treatment which is £24 not budgeted for so I am pleased I have the PPI premium to cover it. We have a lot of grass and it was a mess when we moved in and is now much healthier.

    I managed to find a card in the house to send my Dad for his birthday but the stamp and a 1st class stamp to send a card to my DSIL cost £2.22! If I had been a bit more organised on Sunday I could have sent the card with my sister who is visiting my Dad this week.

    I avoided buying a pack of my favourite crisps at the PO, good for my purse and my waistline.

    Stuff I need to do today:

    1) Complete all 3 parts of a report for work
    2) Start transfer of energy supplier
    3) Make a double batch of veggie chilli, some for tonight and rest for freezer
    4) Eat what's left of last night's leftover for lunch (DH pinched some last night)
    5) Run/walk for 20 minutes or I will have spent 2 days dressed in running gear and not done any! :eek: I haven't run for a few months and feeling nervous as no flat bits where I live. Will take the dog in case I have to walk :o

    Right, I am off for a run before it starts raining!
    PAYDBX 2020 £6,923.64/£10,000 69%
    Target CC - £999/£1030 SIF by Dec 2020
    Target Loan - £422.94/£493.43 by Nov 2020
    Big Emergency Fund Part 1 by 31.12.20 - 37.5%

    Days since CC used - Christmas Eve 2019 - 224 (7 in 2019 + 2020)
  • XSpenderXSpender Forumite
    3.8K posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    XSpender wrote: »

    Stuff I need to do today:

    1) Complete all 3 parts of a report for work - about half way there
    2) Start transfer of energy supplier Nope
    3) Make a double batch of veggie chilli, some for tonight and rest for freezer Done
    4) Eat what's left of last night's leftover for lunch (DH pinched some last night) Done
    5) Run/walk for 20 minutes Done and was much easier than I thought

    I have rung V1rg1n tonight and got an accurate balance on DH card. Only £6 below what was on YNAB but nearly £100 lower than my estimate at the beginning of this diary. I had paid most of the monthly payments for May when I started this diary so have totted up what has come off since, the adjustment to DH card and the cancellation of NY and we are now on:

    £38,210.10/£39,547.48 :)
    PAYDBX 2020 £6,923.64/£10,000 69%
    Target CC - £999/£1030 SIF by Dec 2020
    Target Loan - £422.94/£493.43 by Nov 2020
    Big Emergency Fund Part 1 by 31.12.20 - 37.5%

    Days since CC used - Christmas Eve 2019 - 224 (7 in 2019 + 2020)
  • HiddenidenityHiddenidenity Forumite
    5.4K posts
    ✭✭✭✭
    Brilliant progress :D
  • XSpenderXSpender Forumite
    3.8K posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    I am stiff as a post after my run yesterday but slept like a log last night.

    Mr T has been delivered but rubbish cheese substitution was sent back and will have to go to Mr S for this plus value sarnie bags I couldn't find on line and a meat pie I forgot to press the add button on when doing the order so it didn't arrive and it has been requested by DH for Sunday. I need fly spray as I have a pesky fly that has outstayed it's welcome and is still in the house from the weekend.

    I have meal planned until the end of the month so should only need milk, possibly a GF loaf and fruit between now and the end of the month. Well, there will no doubt be a few snacks and some beers for DH bought as well.

    I have a deposit to pay on a girls Christmas night out today (£10) and as we are planning a day out at a NT site on Sunday (we are members so free) for a good walk, a picnic and a go on the adventure playground for DS I have budgeted for an ice cream each and probably a plant for DH.

    The work DH has done in he garden over the last few weeks has given us an extra 20' x 10' that needs filling!

    DH is having a rare day off tomorrow and the weather forecast is poor so will do housework and ironing and play some games with DS and let DH relax. I also want to do some cooking and baking and plan to make lasagne, Italian casserole, spicy pork mince, Twink's chocolate hob nobs, a loaf cake (either ginger or chocolate or possibly lemon drizzle which is DH favourite and I have a lemon to use up), cheese scone bread and crust less Quiche Lorraine. The meat dishes are for the freezer and will keep DH fed when I am away in June and the rest is for the picnic and lunches.

    DH has put DS name on the waiting list for a local school. The schools in the small town where we live are all outstanding (except the one nearest to our house) and DH is determined that DS goes to school where he will grow up. There are another 3 he will put his name on the list for. He currently goes to school about a 15 minute drive from home and it is a good school but it might as well be an hour away as he doesn't mix with any of the kids after school as he doesn't live close by.
    PAYDBX 2020 £6,923.64/£10,000 69%
    Target CC - £999/£1030 SIF by Dec 2020
    Target Loan - £422.94/£493.43 by Nov 2020
    Big Emergency Fund Part 1 by 31.12.20 - 37.5%

    Days since CC used - Christmas Eve 2019 - 224 (7 in 2019 + 2020)
  • XSpenderXSpender Forumite
    3.8K posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    June is going to be a costly month for us with some extra payments to make so I have totted them up below so I can prepare for them and cross them off when I have found the money to cover them. My salary will be a little bit lower than average as they will deduct a higher than average personal mileage bill for our recent holiday which was about 1000 miles more than I normally do. I have based DH income on what he got this month.

    We need to find money for:

    Dentist for me and DS £20.60
    Spending money for Spain £150
    Funds to fully fund mini EF £84.52
    Annual home insurance £200
    New energy company DD £145
    2 pairs of school shorts for DS £16.
    Dominoes Pizza to celebrate 1 year in this house £30
    Repayment to Argoose BNPL £50

    Total - £696.12 :eek: If it's green I can cover it from salaries, everything else I need to find the money for. I still have 2 phones and a sewing machine to sell!

    I had saved up the £150 for Spain from my personal spends over the last few months but had to put it back in the joint account as we were skint.

    The new energy company take a payment in advance so I will have to pay them £145 and the old lot £203:eek: I am £85 behind with the old company and will have this month's £169 and next month's £203 to cover that and this months usage where we haven't used the TD for 3 weeks and have cut down on using the heating. I am hoping for a refund of something!

    If I can buy DS shorts this weekend I can get 20% at M&S. DMIL already bought him 2 pairs so he only needs another 2 pack. He is only just 7 and in an 8-9!

    We never eat D0min0es pizza but we promised DS one the first night in this house which we had and we have been here a year next month and DH wants to do it again to celebrate.

    We promised DS a trip to LEGOLAND instead of a party and I have had an email to say the Sun is offering 2 free tickets if you collect 10 tokens from their paper. I can get the other day's ticket half price and can cover the hotel stay with points I have accumulate from staying away with work. Will have a look at the sun site and see what the terms and conditions are i.e. you can only go in term time during the week in winter;)
    PAYDBX 2020 £6,923.64/£10,000 69%
    Target CC - £999/£1030 SIF by Dec 2020
    Target Loan - £422.94/£493.43 by Nov 2020
    Big Emergency Fund Part 1 by 31.12.20 - 37.5%

    Days since CC used - Christmas Eve 2019 - 224 (7 in 2019 + 2020)
Sign In or Register to comment.

Quick links

Essential Money | Who & Where are you? | Work & Benefits | Household and travel | Shopping & Freebies | About MSE | The MoneySavers Arms | Covid-19 & Coronavirus Support