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NST: November 2019

1434446484961

Comments

  • nannygladys
    nannygladys Posts: 3,235 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hi everyone
    Up and out early today and got everything done, bar buying a book that I have ordered for the same price on line(the shop hadn't got it and wont be getting anymore in).
    No food bought, but as its payday I bought a new jumper with a 15% off coupon, its a size smaller as Im losing weight and all the ones I have are getting very baggy!!
    So that's it really.
    Gratitudes:
    1. Coupons
    2. Being in a position that I can put the heating on when I need it.
    3. Lo for lunch and dinner!
    Nannyg
    £1 a day 2025: £90.00/365 Xmas fund
  • greent
    greent Posts: 10,798 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    15 NSD 5 still :)

    Avoid every chain coffee shop etc. Support local shops and traders.- nothing today

    Remove 60 items from your house - 2 items to new CS bag, 4 items to homeless drop off point, 1 pile of paper shredded 251/60

    Use up your toiletries and household cleaners before buying any more. - yep

    Go on 2 outings - 2 done so far but 1 was free bar parking of 1.10

    Donate £5 or time to charity - lots of 'things' donated to various places. Money donated to poppy appeal, CIN, Rotary organisation & Gloucester Cathedral. Have some things ready to send with DS2 to school for food bank as they are running a collection at the end of this month

    Come on here every day and post 3 things you are grateful for. - some free items with shopping apps/ rewards, another Xmas present getting sorted, yummy food (HM chow mein) for dinner

    Start 1 or 2 new habits this month, ones that are simple and will make you feel better - fewer cups of tea and min 4 f&v per day - both good today -
    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
  • ditty1234
    ditty1234 Posts: 2,123 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Long day, but yet an other NSD - third in a row.

    Thankful for bed, clean hot water and ds encouraging me to go and join club run on track - awful and hard but its done.
    Isa help to buy: 1000/3000 33%
    Emergency fund: 100/1000 10%
    Weight loose 8.6 kg - while having fun. 0/8.6 0%
    Focus debt to clear HSBC £10/1111, 0% updated May 25
  • Grateful for 3 things - time machine backups for Imac, comfy trainers, my husbands woodworking skills
    15 NSDS 8/15
    Remove 60 Items - 75/60
    Outings - 1/2
    Use up Toiletries and Condiments - yes
    Budget - yes, just about
    Pay to Debts/Savings first - yes
    Avoid Coffee Shops / vending - yes
    Lunch to Work - retired but will be taking packed lunch on days out
    Tread lightly - robin may be nesting
    Donate - yes
    Reach out - yes
    New Habit/ Things to do - crochet, running out of yarn, found some in the knitting cupboard at my group, so no spend lol
    Stop Buying **** We Don't Need :D
  • misstara
    misstara Posts: 3,997 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Budget - no spends today.

    NSDs - now on 10/15.

    Lunch to work - took usual lunch in of soup and oatcakes.

    Items removed - 35/60, 1 hand cream finished, 1 gloopy nail polish, 1 pair of holey socks.

    Use up - 2 hand creams now used up, 2 to go.

    Outings - have been to the fireworks and met friends for coffee and cake.

    Daily fresh air - short walk today as needed to go to the bank for work.

    Gratitudes - good shift at work, my waistband arriving so I can finally try running again, coffee.

    New habits - to do an average of 10,000 steps each day so 300,000 over the course of the month, 168,165/300,000. Really need to up my steps if I'm going to make this 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
  • Today was NSD 12/15, annoyed with myself about yesterday being a spend day, but landed up being out and about without food in the car and DD required feeding. However budgets are well and truly on track, have even transferred some extra money to a savings account, it can be moved back if I need it but as cupboards are still well stocked it should be ok.
    One pair pj bottoms with a hole in the leg binned so 50/60 items are gone. Grateful for days out with friends, today being warmer than it has been and that DD and I have clothing and footwear to deal with whatever weather is thrown out way.
  • Dottles1
    Dottles1 Posts: 495 Forumite
    Part of the Furniture 100 Posts Name Dropper
    NSD 7/12 for me. I did buy a small Christmas gift but as the cost was covered by a sale I made on FB I'm not going to count it. Not sure that today will be as I may have to buy lunch at work. First I'll search the cupboards to see what I can find.
    CC1 Aug19 [STRIKE]£7587.85[/STRIKE] Aug 20 £0
    CC2 Aug 19 [STRIKE]£1185.58[/STRIKE] Aug 20 £0
    CC3 Aug 19 [STRIKE]£544.95[/STRIKE] Aug 20 £0
    O/D Aug [STRIKE]£20[/STRIKE] Sept [STRIKE] £100[/STRIKE] Oct £0
    CC4 Aug 2020 £0
    Total debt Aug 2019[STRIKE]£9318.38[/STRIKE] Aug 20 £0
  • #20 checking in

    Budget - Good - Payday today so all savings etc and payments made.

    NSDs - 8/15 - Yesterday was an NSD in the end. Today is shopping day so no such luck today lol.

    Lunch to work - Kids sent with their pack ups as normal. Hubby on his training so buying lunch. He's claiming his expenses back next week so we will be getting his lunch monies back in full from the last 10 weeks!

    Items removed - 22/60 - Nothing to add.

    Daily fresh air - Thankfully it's not as cold today so I may actually get some more things done and get out for a walk.

    Gratitudes - Free music lessons for eldest (as much as he gets annoyed carrying a trombone around, he's very lucky!!), the fact that it's so close to Christmas!!, and the chocolate bar hubby brought home from work for me yesterday that is currerntly caling me from the cupboard.

    New habits - Routines mostly done but do need to catch up on my November tasks today as I've been very lazy so far this week, and it's Thursday!! :eek:
    Changing my Family's Future!! - Starting again!!!!
    Current Progress -
    Debt - Start date 14/4/25 = £14,880.45
    Savings Goal = £1000 EF - £0/£1000 = 0%
  • greent
    greent Posts: 10,798 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    aimeemum wrote: »

    Lunch to work - Kids sent with their pack ups as normal. Hubby on his training so buying lunch. He's claiming his expenses back next week so we will be getting his lunch monies back in full from the last 10 weeks!



    Gratitudes - Free music lessons for eldest (as much as he gets annoyed carrying a trombone around, he's very lucky!!),

    Whoop! 10 weeks of expenses will be like a nice pre-Xmas bonus :D Which has reminded me - my husband's got expenses to claim for the last 10-11 weeks - it's not much really in monetary terms but it does all add

    My DS2 does trombone :D - sometimes I do wish he'd chosen something a bit more standard, like a guitar...

    Already spent here - took advantage of 20% off in MnS to order me some slippers (mine have holes in) which the kids can give me for Xmas and a Xmas dec I've had my eye on but didn't want to pay full price for. Obv went through tcb - and used my £5 reward voucher and a triple points coupon :) Free delivery means it's not here until next week, but I'm in no hurry :)

    Also ordered 3 Xmas presents from Amazin - have researched prices and these were good so have got them :)

    Rest of the day being spent on housework...
    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
  • f0xh0les
    f0xh0les Posts: 7,630 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    NSD 12 today, one more book in the c/s bag, all food will be from stores. It is going to be pasties tonight - using up more leftovers from fridge and ys pastry. All kids to school on time. Going volunteering this afternoon.
    Half the weekly budget is still in the pot.

    Pantry inventory, weekly menu plan written, shopping list made. The list has 3 things on it. Thus, I am not going shopping. DH thinks he is coming down with another cold. He keeps covering himself in V1cks. Sadly V1cks to me smells of cat pee. Anyone else? Not enjoying bedtime.

    Gratitudes:

    Dh came home perky with gossip after his work meal out,

    my gingerbread/parkin x was lush and all the kids ate it (good job as I made three loaf tins of it) and requested it in their lunchboxes

    The house was warm and toasty last night

    (sorry no werewolves thus far)
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
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