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NST 07/2018 - Survive July!

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  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Sorry completely disappeared for the last few weeks, it's not been a great month money wise - I've been spending far too much :o. Will try to post every day for the rest of the month.

    I've got just over £30 to last us until payday which is 9 days away although I've managed to pick up a wee shift with 2nd job tomorrow which will get me around £25 on Friday so it's not too bad. Think I'm on 9/13 NSDs, need to get plenty of NSDs in to make the money last so will hopefully meet the target.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • sashanut
    sashanut Posts: 3,252 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Hi all :j

    Will try for 13 NSDs & hope to get nearer to 20....now 11/13

    Set your budgets nope

    Use Most definitely want to do this; have a mountain of food & stuff to clear. Lots of things sold on FB & are gradually leaving the house, money is accumulating which is also good. No more items of mine sold but at least 2 of hers.

    Revisit Targets were like other peoples I think, to lose weight (not really); to declutter - some progress; to stop wasting money - also some progress there..will list any weight losses/stuff leaving the house/money gained by selling...when it happens.. Still £44.26 so far..plus £5 voucher for doing a survey; £49.26 Another £3 voucher today: still £52.26. Have more to add, just need to total up. Still £134.12, less postage. Have more than £300 now although didn't list much today. Have to concentrate on clearing a bit as only a week till hols....Over £400 now, lots more to go but will have to start holiday prep before sales...boo..intend to list some more tomorrow before I will have to stop..


    Vacation Have already booked to go to Ireland for 3 weeks from July; aim to sell some stuff to pay for spends over there. Will also be planning some days out & at least another visit to the Old Country later in the year, probably 2. Got up fairly early & cleaned the living room as DH not in it, he was still in bed as up at 5.15. Made good progress with that. Another visit to Ireland for a festival mooted for Nov, so DH to investigate & book hotel if appropriate.

    Value Always do try to use cashback sites where possible, and find value for money in shopping. Also have a card which gives me vouchers; and do some work which pays in vouchers too. Use cheaper supermarkets & have HB & Fultons here as well, which are both good for some stuff. Will now need no shopping bar maybe milk before we go away..

    Every Checking in 19/31

    Gratitudes
    : Cool again today; DH helping a lot; fantastic 6ft high lilies at entrance to enclosed garden; DH getting 4x£2 coins in his change yesterday & giving it to me for the campervan moneybox..

    Jump No jumping here either but in the garden every day when possible. Do try to drink water but struggle with this. Had to get out & water today but will be doing a lot more gardening over the next few days till we go away, did decide to put all plants in one place to see if they can survive whilst I am away.


    Unless budgeted, no takeaways, coffee shops, lunches out etc. Nope.


    Perhaps keep track on here of items/ lbs lost and £s made:
    So far have put on a pound in weight & made £134.12 - more to come. Lost the pound I put on last week..more sales will update when I know the total. £300+ and lost another pound, now over £400. No more sales yet but still £410 plus.

    Yearly we are halfway through 2018. Good idea, will have a big list of outside jobs that need doing/big/small & in between. List needs updating as some jobs done..updated list. Need to make lots of list for jobs to be done before we go; things we need to take etc..made a couple of lists, need to add..


    Go turtles!
    New 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 :happyhear
  • crazy_cat_lady
    crazy_cat_lady Posts: 7,063 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning all :coffee:
    Well the hangover is gone but the dizziness is still there, as it could be for a couple of months apparently. Still I can live with it if I don't do much moving about. I feel like I'm falling to bits with this and my all new hay fever...
    Doing a bit of tutoring today for a bit of extra cash, followed by a trip to my mam's house for a catch up. Got a semi decent sleep - ds stayed at his dad's last night so I didn't wake to the sound of him screaming at the Xbox.
    Meals for the next couple of days are planned. Just went through the budget and checked everything through for the next week or so. I think I'll survive thanks to the exam marking. Next week is mainly planned as a relaxing, low spend week (fingers crossed).
  • Toni'sfriend
    Toni'sfriend Posts: 4,056 Forumite
    Eighth Anniversary 1,000 Posts
    NSD No 15
    A bit of tidying. A bit of decluttering. But not a lot, to be honest but it is Sunday.
    As well as chicken we have taken soup, bread and rhubarb crumble from the freezer and a pork joint for tomorrow. Still lots in there though.
    Hope to get a lot more done tomorrow.
    Have adventures. laugh a lot and always be kind.
  • Kerry_Woman
    Kerry_Woman Posts: 3,155 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 22 July 2018 at 6:22PM
    NSD 16/20 Was an NSD today.
    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. Now planning to make a start on my goals/bucket list.
    Inspire - Will try.
    Value - Will look into other ways to save for days out etc.
    Every - Have done. Grateful for:
    Having a chilled out day.
    Nice relaxing bath.
    Only did a few bits around the flat.
    Doing self-care today.
    Jump - Will definitely do walking as it will help my mental health also. Did not venture out today.
    Unless - No need today.
    Lose - Done decluttering for now. Still need to sort out items put aside to be recycled to cs and recycling centre. Put a few more things into the bag for the 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 2025 Mortgage free as of 1st August 2013
  • Eager_Elephant
    Eager_Elephant Posts: 4,714 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Apart from asking to join at the start of July I haven't posted since - the month just seems to have got away from me.

    Up until today I have managed 11 NSD's - I am officially skint so should get a few more in before the end of the month although pay day is on Thurs.

    Have been trying to use stuff up but its not going very fast at the moment - also need to keep decluttering since DH left and only took what he wanted and only enough so his new house wasnt cluttered (but dont worry about the clutter left in my house!!)
  • plumduff55
    plumduff55 Posts: 892 Forumite
    Part of the Furniture 500 Posts Homepage Hero Name Dropper
    Another NSD for me and I have enough milk and bread to do me for a couple of days so purse will be staying closed.

    USE - My freezer is still really full and I have decided that I will not buy any more meat or poultry till I've used lots !!! Problem is I take a pound of mince out of the freezer and make chilli, eat one and freeze possibly 5 individual portions so more freezer space used. I had lasagne last night and chicken steak today so that's a bit used.

    JUMP - No exercise today. I was going to cut the front grass but started watching a daft film on the Horror channel about killer sharks :eek: and did some knitting instead.

    INSPIRE - While the oven was on for dinner I baked Oatmeal scones. They are lovely toasted with butter for breakfast.
    8oz sr flour, 2oz porridge oats, half tsp salt, 1oz caster sugar, 2oz marg and 5 fl oz milk. Bake at 180 for approx 10 mins.

    GRATITUDE - I'm very grateful for Sunday night tv - Poldark and then The Handmaiden's Tale on 4+1.

    Have a nice evening xx
    Debt free - Mortgage free - Work free ( in that order :) )
  • apple_muncher
    apple_muncher Posts: 15,241 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Today I am grateful for time with dd and dh, for having a car, for the gladioli bulbs I got from the £ emporium turing out to be two-toned beauties, for fresh rasps, for my workout, for moving on a little with some paperwork, for air-dried washing, for a chilled day.
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • greent
    greent Posts: 10,780 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    • NSDs - 5
    • Remember - DD to charity 3 carrier bags of items for charity (will deliver tomorrow) £5 donation to a Teenage MH charity for non-u and activities. Small donation of items to foodbank.
    • Pay to your debts or savings first - DONE - + £450 (total) OP to BTL Also opened a S&S ISA
    • Set budgets. Yep - skint until payday next week now! :)
    • Use things up Still ongoing. ) Lots of space in freezer. Lots of toiletries used.
    • 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! Booked (spur of moment) a break to Cparcs for a couple of weeks time today. Paid on 0% CC (empty) and will repay over 3 months. Will pay for any activities and other spends for it on debit card.
    • Inspire others -
    • Value for money - YS items in food shops. Free parking yesterday on day out (took our food, bought ice creams)
    • Every day - here :) Thankful for flebay sales, faceb00k sales, a beautiful sunset, a lovely weekend, booking a break, a fun day out yesterday, having enough
    • Jump - Good day in forest yesterday. Fence painting the other day.
    • Unless budgeted, no takeaways, coffee shops, lunches out etc. -.
    • Lose the excess. 3 bags of items to take to CS tomorrow. A large box of books sold in small sets. 2 flebay sales. Some outgrown uniform donated to school.
    • 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 and bought 1 small item for DS1.

    Am being a bit rubbish at getting on here, sorry - just been catching up on stuff/ life/ house stuff/ spending time with the kids
    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
    Net sales 2024: £20
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Wee spend in the supermarket today so still on 9/13 NSDs.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
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