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NST October ORGANISE OCTOBER
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Hello turtles!
I've been very bad and not logged in for several days, it's been very crazy at work!
I'm on 5 spend free days at the mo.
On £150/£250 groceries and still at £40/£100 petrol (quite proud of that one!)
Do need to get Xmas sorted a bit better, i feel behind but also want to wait for the better deals. (Due 2 phone contract renewals in a few weeks but I'll wait until carphone warehouse do their thing with free currys vouchers - thatll get me the new kettle/hairdryer i need).
Very happy with progress on the actual organize October part of the challenge. Just donated 6 big bags of baby clothes to the local women's shelter who needed it. This was way more important than trying to flog them for mere pennies at the car boot on Sunday.
Phase 2 is the car boot, got some other baby items, old stuff that we've not looked at in 2 years and maybe ill take the books. Anything left will go to charity.
After that were moving anything left in the spare room out and into the cupboard the baby clothes were in and starting to strip the wallpaper (although this may come in the new year).
Tomorrow will be a spend day as we'll take DD swimming before I go to work.
Need to sort another radiator repair/replace soon, this one not covered by British gas insurance. Hoping it's not too much!
Started the month (26th oct) £900 overdrawn, currently £400 overdrawn so I'm track to have at least a couple hundred quid paid off. Once these are done, we'll work on the credit card!
Night all!Money Saving since 2016 and determined to be debt free by 2020.0 -
Sorry guys I dint check I havent checed in the last few days
So a brief of where I'm at:
SFD: still on 5/16
Bring lunch to work- 6/22
Stoptober- still not smoking- 7/31
Budgets:
groceries- 150/42.38
going out 50/20
occassions- 28/11.32
beauty-10/5
clothes £40/21.95
petrol- £20
paydebt: received unexpected money so paid £80 to debt payment account
Xmas: Made a budget and am looking around have brought nothing will aim to get 3 presents sorted by the end of this month.
Thats all I've got im afraid..Happy day 10 guys xDFD-01.03.2018:starmod: :beer::T
Maternity Savings- £2000/£10,000
Emergency Fund- £1,000/£5,000
House Deposit- £0/£25,000.
NSD November 2/30
Make £5 per day- £128.48/£1550 -
Still at NSD 5/15
Spent today as needed to replace my purse else any pennies I do manage to hang onto risk being lost through a number of holes in a very old, battered relic.
Picked up a few items to replenish the cupboards as the dc insist on raiding at every opportunity. Extends to leftovers in the fridge but I tend to cook extra for this reason.
Check In #10/31Groceries: Personal Spend: 0 NST NSD Goals for 2025:Self: Health: Wealth :0 -
Hi all :j
Not a NSD today so still 6/15
Organise: No cellar diving today as work in the morning at the CS. Realised that it's no good having a cellar floor you can eat off whilst the kitchen is a health hazard ....:rotfl:
Lunch: from stores, Beans on toast
Supper was Gammon in (ginger) diet coke (!), new poatatoes from garden & broccoli in cheese sauce. HM apple sort of strudel for pud
Food budget: £175.89/250 Tuesday is grocery shopping as I can pop into Lidl which is next to work. Not expecting to spend quite so much, but bought a 10kg sack of basmati rice for £9.99 which will last us a very long time. Stocked up a couple of packets of cold/flu powders...total was £38.45 monthly total already quite high...
Be kind: Hopefully was at work & home. Do try with this..
One more time: Yep on SW again however not lost any weight although feel better
Extra Income: Didn't take any more photos but had some on phone so listed 2 more items on ebay
Christmas: More making sock no 2, got a few bits in CS for stocking & Christmas Eve
Exercise: Mild afternoon so cut grass yet again I swear it grows faster than I can cut it. Pulled up a lot of brambles etc. Got spuds out of grow bag, these ones saved from canine by being in enclosed garden
Heating: still off
Grateful for: Manager being at a meeting so I didn't see her, always a happier atmosphere when she's not there..
Time in garden with mild & sunny weather
Finding lots of books I haven't read in CS from fav authors
Mothernerd Thanks for the inspo quotes & running the thread, very helpful to feel accountableNew start JAN15 - NOT BUYING IT 2015 :eek:. Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE :happyhear0 -
Have
Only
Positive
Expectations
My mission in life is not only to survive,but to thrive and to do so with some Passion, some Compassion, some Humour and some Style.NST SEP No 1 No Debt No mortgage0 -
Morning all,
SFD 5 yesterday
Walked loads at work and a short dog walk as I was tired and I knew the dog walker had let them run round the park for ages earlier.
Work is crazy, I'd be so rich if they paid overtime, I must have done at least 12 hours yesterday.
Today I have a late start as I'm at the doctors at 8.20 but usually at school by 7.40.
Hope you all have a great day.LBM = 07/09/13 Debt = £13339 (100% cleared)
New roof and car £8557/£19003 New kitchen £396/£5039 Credit card Paid Student loan Paid0 -
Just checking in:wave:
NSD #8 - hoping to get this is high as posible early on.
Will be getting organised tonight for going away this weekend- pleased Ive done most if it!!
Planing on getting a few extra bits in for Christmas with some Amazon vouchers I have this afternoon, but I need to decide on my final order!! I have also finished by food list :beer: so I know what im looking for good deals on!
Greatful my hub is back next weekend :A and that I am seeing my family this weekend.0 -
For yesterday
Organise - went to the supermarket armed with my list and spent way over what I'd hoped for, £56.55 spent. Definitely blaming OH for this one, I always seem to spend more if he's with me. We've now only £33.60 left in the food budget for the month, not ideal when it's only the 11th but fridge, freezer and cupboards are crammed full so we should manage.
Budget - £116.40/£150 food, £15/£20 social
NSDs - 7/20
Be kind - really struggled with this one esp when OH told me he'd lost his phone (the brand new one that I'd loaned him the money for last week). Thankfully for him, a quick phone call confirmed that he'd left it on the bus and he can pick it up from the bus depot today
Exercise - over 23,000 steps. Planning to run home from work today
Christmas - had a quick chat with OH about what he wanted, the usual - his football team's shirt plus I'll do him a stocking. Will plan the rest tonight.Mortgage 26.4.25 - £108,500 1.8.25 - £106,362.86
Mortgage overpayment savings - £3.33/£50
Mortgage overpayments so far - £675.980 -
Hi !
I might have to take off my NSD, put 2 pounds towards some xmas presents I had amazon vouchers for from my xmas budget. Not sure how that works if it is pre budgeted? xx0 -
Early check in. DS3 has gone off on school residential trip until Fri so I'm liking the fact that I'm not currently on a school run in the rain!
Today:
Organise/ Cook from Scratch/ Use things up - Breakfast= YS crumpets from freezer. Lunch = 2 part bake rolls left from weekend with last of the pate from Saturday. Dinner - something from freezer/ fridge. Only have myself and DS2 to feed tonight - he'll probably want his standard post-rugby dinner of fishfingers, which I don't personally want!DS1 is eating at school (staying on to help at an evening event) and OH is working away.
Pay debts/ savings - £150 paid to 0% CC. £315 transferred to kitchen savings fund :T
Budgets
* Food - 126.84/ 325 (stretch 290)
* Fuel 60/60
* Clothes 21/75
* Gifts 58.91/150
* Toiletries 0/10
* Social 70.50/200 (stretch 150)
NSD - 7/12 Had to pay for a RM survey postal item (£3.40) - but received £4 in vouchers to more-than cover it
Improvise -
Exercise
* Week 1 - 3/4
* Week 2 - 1/4 - slightly stymied myself on this atm - turned my ankle over yesterday afternoon and it is stiff and sore today with little flexibility. Hurt enough that it woke me in the night
Jan Goals - "By the end of the year I want to have halved the (non mtge) debt we have and have lost 20lbs - and also get fitter along the way"
Debt at start of year more than halved.
Weight/ fitness = 2/20lb
Extra income -50 y0ug0v points + £16.38 cashback claimed in Amaz0n vouchers
Christmas -
Get Ready Checklist
1 - Health - vitamins taken today so 8/31
4 - Maintenance - seeing kitchen designer again here on Monday.
Contact I had for plumbing co wasn't really a plumbing co, so they're not interested - back to square 1
Electrician - still to do
Plasterer - still to do
Gratitudes:
* DS3 being excited about his school residential trip
* Being able to wave DS3 off on his trip (was at work for DS2's residential in June)
* TIVO box - have just really started to use ours more
* Getting a load of ironing done whilst watching recorded programmes
* Cuddles with g-pig
* Not doing a rainy afternoon school runI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £200
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