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NST 07/2018 - Survive July!

edited 2 July 2018 at 3:58PM in Debt-free Wannabe Challenges
466 replies 35.7K views
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  • greentgreent Forumite
    9K posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
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    • NSDs - 2
    • Remember others - DD to charity gone out. Another item added to CS bag.
    • Pay to your debts or savings first - DONE - + £80 OP to BTL
    • Set budgets. Food 93.14/475. Fuel 0/65 Gifts 15/30 Toiletries 0/10 Cleaning 5.68/10 DD uni stuff 35.98/50 Clothes 5/100 Social 37.50/75
    • Use things up Still ongoing. Have spaces in freezer :T - and in 'spare toiletries' c-o-d - working on having enough space to fit spare loo rolls in there :)
      )
    • Revisit targets you set back in January. - Done. [/COLOR]
    • Vacation time No idea whether we're going on hol in Oct (not booking until after A level results) and no real plans made for summer hols with the kids - must get thinking cap on!
    • Inspire others -
    • Value for money -Have made a list for smkts today of what to get where for best prices :)
    • Every day - here :) Am STILL thankful for the weather, for OH's expenses claim (rescued sick looking c/ac!) and for Tesc0 having black school PE shorts at 7am one morning (last minute announcement that they were required for a drama performance by DS1)

    • Jump - None
    • Unless budgeted, no takeaways, coffee shops, lunches out etc. -food out yesterday - OH paid but I did keep cost down.
    • Lose the excess. Too small 3/4 jeans of DD added to CS bag. Battered (falling apart) walking boots of OH's added to recycling bag for binmen today (bought new ones for £5!!!!! at start of year from M0unta1n Wareh0use sale :j)
    • Yearly plans -we are halfway through 2018. If you haven't planned on how to finance Christmas/ birthdays in the second half of the year/ DIY things which need doing / any holiday plans you may have - NOW is the time - will make a list of people with bdays and those I need to get Xmas presents for and make a start, even if it is putting money aside.
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/19 £48986 2020 OPs (#18) £5010/6K
    Net sales 2020 £596.06/£500 Decluttering: 1925/2020
  • greentgreent Forumite
    9K posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    • NSDs - 2
    • Remember others - DD to charity gone out. Another item added to CS bag. £1.50 donation for non-uniform for DS2 today to a Teenage MH charity
    • Pay to your debts or savings first - DONE - + £80 OP to BTL
    • Set budgets. Food 160.91/475 (just bought 6 bottles of my fave wine @ 25% off + £2 cback). Fuel 0/65 Gifts 15/30 Toiletries 2/10 Cleaning 5.68/10 DD uni stuff 35.98/50 Clothes 5/100 Social 37.50/75
    • Use things up Still ongoing. Have spaces in freezer :T - and in 'spare toiletries' c-o-d - working on having enough space to fit spare loo rolls in there :) Need to buy some nuts (pretty much any sort but OH keeps eating them) to make pesto as basil plant has gone crazy!
      )
    • Revisit targets you set back in January. - Done.
    • Vacation time No idea whether we're going on hol in Oct (not booking until after A level results) and no real plans made for summer hols with the kids - must get thinking cap on!
    • Inspire others -
    • Value for money -Have made a list for smkts today of what to get where for best prices :) - Used £9 off £60 shop coupon, got £4 cashback through apps and got 25% off my fave wine.
    • Every day - here :) Shopping apps, coupons and offers! Dry weather - if cooler today. My children - they're great! :D
    • Jump - None
    • Unless budgeted, no takeaways, coffee shops, lunches out etc. -food out yesterday - OH paid but I did keep cost down.
    • Lose the excess. Too small 3/4 jeans of DD added to CS bag. Battered (falling apart) walking boots of OH's added to recycling bag for binmen today (bought new ones for £5!!!!! at start of year from M0unta1n Wareh0use sale :j)
    • Yearly plans -we are halfway through 2018. If you haven't planned on how to finance Christmas/ birthdays in the second half of the year/ DIY things which need doing / any holiday plans you may have - NOW is the time - will make a list of people with bdays and those I need to get Xmas presents for and make a start, even if it is putting money aside. Have started a list of things I'd like as presents (so far = new bottle of fave perfume and fave 'posh-ish' toiletries :))
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/19 £48986 2020 OPs (#18) £5010/6K
    Net sales 2020 £596.06/£500 Decluttering: 1925/2020
  • laurenh1laurenh1 Forumite
    756 posts
    Debt-free and Proud!
    Hi All

    Today is NSD #6.

    I only have £67 left now until I get paid :eek: so I need to be so careful. Luckily Saturday's entertainment is a free/very cheap family's day at our local park. This is put on by the military and usually there are bouncy castles etc on for the kids. Last year they were giving out freebies too.:T

    I have put my name down for 4 days worth of over time .While my hub is off work & I don't need to pay childcare I can't turn it down. It is a bit of a pain doing it but I know I will be grateful for it come August.

    That is all I have to report, I am skint but cheerful :D we are on track to cross the £10,000 mark in our house savings come October :T & although we don't have much cash this month we are doing pretty well on finding free entertainment. kids not sick of the park just yet!! :D
  • Toni'sfriendToni'sfriend Forumite
    2.9K posts
    1,000 Posts Fourth Anniversary
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    Checkup at the doctors this morning. Blood pressure up, weight up, lung function down. Didn't get a gold star! So meal plan healthy diet to reduce blood pressure and weight and start a serious walking regime to up lung function and reduce weight. Totally my own fault.
    i was going for lunch with the cousins on Wednesday but my neighbour has asked if I'll look after her little ones whilst the rest of the family are at her mother's funeral so that will have to wait for another day.
    Small spend on shampoo and conditioner.
    Oh well, onwards and upwards.
    Have adventures. laugh a lot and always be kind.
  • dolly84dolly84 Forumite
    5.4K posts
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
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    Did a click and collect grocery shop today, I have a very large stock of things now so next week I am going to try and just get perishables and use other things from the freezer and cupboard to go with them.


    Cycled this morning. It's been cloudy today but the washing still dried outside.
    Debt Free and now a saver, conscious consumer, low waste lifestyler


    Fashion on the Ration 18/66
  • crazy_cat_ladycrazy_cat_lady Forumite
    6.7K posts
    Fifth Anniversary 1,000 Posts Photogenic Debt-free and Proud!
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    Hi everyone,
    Busy couple of days so I haven't managed to report in. Work is busy and then home is busy as well - plus my blimming hay fever keeps wiping me out so that all I want to do is sleep when I get home.
    Hope everyone is doing ok - thinking of you Toni'sfriend, Early and Mothernerd and hugs to everyone else that needs them.
    I have made a massive step forward financially by signing up for YNAB and setting up my budget - on the recommendation of people on here. Fingers crossed that this works for me. I had a nsd yesterday, but not today as I needed to shop for pizza before I came home from work. I'm exhausted and ds is ill so I just grabbed from Mr A - otherwise we would have ended up with takeaway....

    Nothing much else to report - I'm keeping the faith as best as I can and just hoping to survive until the summer hols next week...
    NST September #8
    Working hard to pay off my debt
    New start after lockdown
  • GlendaSugarbeanGlendaSugarbean Forumite
    689 posts
    500 Posts First Anniversary Photogenic
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    Not an NSD today but had an unexpected bonus in the form of a payout for my PPI claim! Hand sensibly allocated most of it to the CC and summer savings pots, but have also indulged in a new book and will be sloping off to a yarn shop tomorrow to indulge in a nice skein of something. It means being able to put more into savings from my monthly salary but only as long as I don't overspend!
  • Kerry_WomanKerry_Woman Forumite
    2.9K posts
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
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    NSD 8/20 Was an NSD today. I did go to M&S on way home to get a few things, but used a voucher that I had, so no money spent.
    Set - Done the budget for the month.
    Use - Will definitely be doing this. Still trying to using up things already in.
    Revisit - Am going to set new goals. Made a list of goals and bucket list.
    Vacation - Not going on holiday. Planning to have some days out/experiences. Done 2 days out already.
    Inspire - Will try.
    Value - Will look into other ways to save for days out etc.
    Every - Have done. Grateful for:
    Still managing to have good night's sleep.
    Getting home at a reasonable time.
    Doing self-care today.
    Jump - Will definitely do walking as it will help my mental health also. Walked to bus stop from work and some walking around the school doing errands.
    Unless - No need today.
    Lose - Done decluttering for now. Still need to take items to cs.
    Yearly - Have made a list as to what needs to done or going out trips/experiences/voluntary work for rest of the year.
    Frugal Living Challenge 2020
    Mortgage free as of 1st August 2013
    NST September 2020: the turtles do the Hokey Cokey NSD 20/20
  • plumduff55plumduff55 Forumite
    591 posts
    Part of the Furniture 500 Posts Name Dropper Hung up my suit!
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    NSD 10/20 for me today. As I was expecting it'll be harder for me now. My monthly shop would be due on the 15th and I'm beginning to run out of stuff. I'm not going to do the big grocery shop and will just buy bits and bobs that I cant do without, hopefully within my £50 budget.

    It was dull and cloudy although still warm when I had the lentil soup for lunch. Never like eating soup in the summer. I know it's daft !!!

    I used up the last of the cheese salad on a baked potato for dinner.

    My ex-colleague visited today. We usually meet at a local garden centre but much more frugal meeting at my house. I baked vanilla cupcakes and they were delish. The only thing I miss about work is the chat with lovely people - it was great catching up but still glad I'm retired xx
    Debt free - Mortgage free - Work free ( in that order :) )
  • mothernerdmothernerd Forumite
    3.6K posts
    Sixth Anniversary 1,000 Posts Debt-free and Proud!
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    Spendy day for me (will have to check through and update signature in a minute). I had an appointment with the practice nurse at 9.30am (Carer's health check) which they had decided on and then notified me. Woke early but had a doze and felt horrible when I woke. Decided on a taxi so went to the office.


    Saw nurse (lovely girl started as a receptionist and then did her training but stayed with our practice throughout) congratulated her (pregnant) then talked a few things through (walking, healthy eating, drink more water). There were notes that the doctor wanted me to have my bloods done again and also wanted to speak to me about inflammatory markers (she wasn't allowed to tell me what it meant).


    Back to reception and added myself onto the doctor queue (only the locum still available, 3 in front of me and she didn't start until 10am). Finally got in to see her, markers meant there might be some infection, gave me a bottle to do a urine test and then tell reception who would notify her and she would call me back.


    Sacrificed one of my paper cups as I didn't rate my chances of getting a sample into a bottle with a 1.5 cm width. Back to queuing. Back to the doctor. I poured and she dipped (no sterile gloves), positive for infection. Checked my chest. Prescription for anti-biotics, note for reception to send the sample to the lab and second set of bottle/ paperwork to retest after the course of anti-biotics. If it's clear, then I can have the bloods done.


    Back to reception, sample needed to be in a red top bottle for sending off. Back to toilet, poured sample from one bottle to another. Back to reception. handed over old bottle for specialist disposal, packaged red top, took it to the lab. Back to pharmacy, handed in prescription, would be 15 minutes. Had taken aver a litre of water with me but bought a bacon barm (second breakfast, hobbit rules as first breakfast was at 5.45 am and we were now a few minutes short of noon), a baked potato for lunch and a chocolate biscuit - total £3.25.


    Ate sandwich, back to pharmacy, arrived just as they called my name. Sat and read until the little bus was due. Bought an all day any bus ticket as £2 to home, £2 to come back for therapist appointment and £2 home again would have been dearer. Got off in town centre, picked up ibruprofen, hayfever tablets and toilet rolls from £1 emporium + a couple of bits.


    RAKs Gave one of my paper cups to a man in the surgery - they make you go to reception to ask for a paper cup and as we had to keep asking the (new) receptionist to open the door for people (and had to send someone looking for an old man who's name kept coming up on the board when he had gone through the first time - but obviously sat in an empty room). The woman at the taxi office had been having a bad day - she had too few drivers and was shouted and sworn at by a telephone customer and a drunk who wandered in, so I bought her a pack of r o l o s and a pen with a furry animal on the end (grey, cuter than the 'unicorn' one), dropped it off at the office on the way home (left with one of the other girls).


    1pm felt absolutely wiped out. Baked potato was still piping hot and I have finished reading the book I started last night because of all the 'waiting'. Not how I saw the day panning out. Took first anti-biotic which made me dizzy. Went to therapist appointment, next appointment, in a fortnight, will be the last session. Bought food on the way home.


    Have tried to restore a bit of order by shoving a wash in the machine, tackling the worst of the rubbish with help from the grabber stick and finding the sink (beneath a layer of pots, noodles, food scraps and grease) and started the first batch of washing up.



    WE have rain - wow, may go outside and dance in it.


    Today I am grateful to my doctors for taking such good care of me, for cameraderie amongst the patient patients, for the book I have completed (had to go back to the library for more books as I cannot hold a hardback atm), for my lovely therapist.
    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 Feb No 6 No Debt No mortgage
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