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NST 07/2018 - Survive July!

edited 2 July 2018 at 2:58PM in Debt-free Wannabe Challenges
466 replies 35.7K views
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  • apple_muncherapple_muncher Forumite
    11.4K posts
    10,000 Posts Seventh Anniversary Name Dropper I've been Money Tipped!
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    Today I am grateful for the breeze, for dropping stuff at the solicitor's, for good walking, for chilling time with dd, for the YMCA taking a good load of furniture from mum's house and booking a return visit for more in a fortnight, for dd making a potion from water + cinnamon + bicarb, for getting lots of washing washed and dried, for heading home tomorrow.
    NST Jan Jitterbugger#1; NSD2 ; Ex3 ; bagfuls (62)

    Mortgage £386 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
  • plumduff55plumduff55 Forumite
    591 posts
    Part of the Furniture 500 Posts Name Dropper Hung up my suit!
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    Another NSD for me today and that makes 22.

    JUMP - Only exercise for me today was chasing my 86 year old Mum around B&Q, Homebase and Wickes while she was choosing a new sink, tap, light and sockets. I just hope I'm as agile as her at that age:j

    GRATITUDE - for collecting 5 and a half ounces of raspberries. I know that is a pathetic amount but I'm going back again and I will be better prepared. I could only collect from the edges as I had wide legged trousers on and didn't want any tics finding there way up my legs :rotfl: So watch this space - I will do better next time!

    I am meeting dil and grandkids in Glasgow tomorrow to give dgs his birthday present. I'm really looking forward to it but the problem is if I'm to stay within budget I will only be able to spend under £6 as I need to keep £3.99 for the cinema on Monday. I think I'll need to order a kids portion or go on a fasting diet for the day :(. No idea where we're going to eat but I am determined to stay within budget.

    Wish me luck xx
    Debt free - Mortgage free - Work free ( in that order :) )
  • apple_muncherapple_muncher Forumite
    11.4K posts
    10,000 Posts Seventh Anniversary Name Dropper I've been Money Tipped!
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    Plumduff - maybe take bicycle clips with you next time?

    Mothernerd - hope you are ok x
    NST Jan Jitterbugger#1; NSD2 ; Ex3 ; bagfuls (62)

    Mortgage £386 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
  • laurenh1laurenh1 Forumite
    756 posts
    Debt-free and Proud!
    Toni's friend - I will try Iceland thanks for the tip! I resent paying filling price too !!
  • laurenh1laurenh1 Forumite
    756 posts
    Debt-free and Proud!
    Today is another NSD. Not sure what I'm on. I'd maybe take a guess at 10 but may well be way off.



    Got paid yesterday & I now have 170 in the budget for August. :eek: However I have budgeted for everything so that's just for groceries & we are away a lot.I am due some vouchers from work. I'm not budgeting for them incase they're late but there is £50 I can spend at m&s & I'm hoping they land Soon.



    Today is catch up day. Hating working full time :( Missing my boys but it's getting us through to September.



    House savings at 9000 this month :T:T:T I am so proud of this.
  • crazy_cat_ladycrazy_cat_lady Forumite
    6.8K posts
    Fifth Anniversary 1,000 Posts Photogenic Debt-free and Proud!
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    Morning all :hello:
    I am very grateful for the storms yesterday as it's a lot cooler and fresher out there, and I'm far more comfortable than I can remember being for weeks.
    Bagged myself a nsd yesterday - quite a rare occurrence during the summer holidays. Now just counting down until payday...
    There isn't a lot to report here - it's been a quiet couple of days, which is just what I need and kind of like at the moment...
    NST January #24 NSD = 10
    Working hard to pay off my debt
    Time to take back control
  • greentgreent Forumite
    9.3K posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
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    • NSDs - 6
    • Remember - ddr to charity, 3 carrier bags of items to CS, £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. Started working on Aug budgets - another tight month but should hopefully catch up with ourselves in Sept
    • Use things up Still ongoing. ) Lots of space in freezer. Lots of toiletries used. A tub of fence paint used up (had for over a year)
    • 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) Booked (spur of moment) a break to Cparcs for 5 days in Aug. Paid on 0% CC (empty) and will repay over 3 months. Will pay for any activities and other spends for it on debit card. OH has also booked a surprise break for me and him for end of Aug (wedding anniversary)
    • Inspire others -
    • Value for money - Needed new swim shorts for DS2 & DS3 - Sains 1/2 price sale :)
    • Every day - here :) Thankful for cashback (and resulting TEsc0 vouchers!), the rain to fill up the butts, time by myself when everyone else was still asleep this morning

    • Jump - Watering pots with watering cans. Shifting rubble by hand. Gotta be worth something! :D
    • Unless budgeted, no takeaways, coffee shops, lunches out etc. - succumbed to a takeaway last night (at £17.25 for 5 of us)-.
    • Lose the excess. Lots sold via fb00k and flebay. Stuff donated to CS. Stuff used up. Definitely much less in than out!
    • 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.
    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 2021 £0/£500 Decluttering 2021: 70/1000
  • Another spend day. July has been horrible for spending.
    No Spend November 2/15 and SPC 134
  • Kerry_WomanKerry_Woman Forumite
    3K posts
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
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    NSD 20/20 Was a spend day. Food/treats/entry into a museum. Resisted buying the photos taken by the staff at the Shard. Took my own photos.
    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. Done 3 things off my bucket list.
    Inspire - Will try.
    Value - Will look into other ways to save for days out etc.
    Every - Have done. Grateful for:
    Coped with the height when I went to the top of the Shard.
    Managing to get in quicker to the Sherlock Holmes Museum.
    Being cooler today.
    Manage to get my stainless steel water bottle refilled in a food/sandwich/coffee place free of charge.
    Doing self-care today.
    Jump - Will definitely do walking as it will help my mental health also. Walking around London.
    Unless - No need today.
    Lose - Not done any decluttering today.
    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 2021
    Mortgage free as of 1st August 2013
    NST: January 2021 – the Turtles do the Jitterbug NSD13/20
  • apple_muncherapple_muncher Forumite
    11.4K posts
    10,000 Posts Seventh Anniversary Name Dropper I've been Money Tipped!
    ✭✭✭✭✭
    Today I am grateful for a smooth journey home, for having seats on every train, for the weather getting warmer as we went further south (I had to buy dd some leggings this morning from a charity shop as we only had shorts and she was so cold in the wind!), for having a home to return to, for time to relax and watch the Tour, for exchanging messages with the friend we're going to see in Spain next week, for fresh rasps, for a more successful blackberrying trip than last time, for packing lists (I'd be lost without one!).
    NST Jan Jitterbugger#1; NSD2 ; Ex3 ; bagfuls (62)

    Mortgage £386 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
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