Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

    • thriftylass
    • By thriftylass 29th Aug 17, 3:16 PM
    • 3,358Posts
    • 27,566Thanks
    NST Super September Scrimping challenge
    • #1
    • 29th Aug 17, 3:16 PM
    NST Super September Scrimping challenge 29th Aug 17 at 3:16 PM
    A warm and fuzzy autumnal welcome to the NST Super September Scrimping challenge, for newbies and seasoned debt busters alike.

    (Don!!!8217;t want the following to sound too harsh but I need it this month)

    September means for many getting back into the swing of new school and work routines. Also, the colder months are looming and we should maybe consider starting to get ready for winter and the festivities or at least start a wee bit of forward planning.

    The whole idea of this challenge is for you to start looking to where you WANT to be, consider why you aren!!!8217;t at that point and start realising what is going WRONG. And also, I need you to help me because when I have people to answer to I won!!!8217;t spend anything!

    Seriously though !!!8211; you can!!!8217;t save for a house if you have debt. You can!!!8217;t have a new kitchen if you can!!!8217;t afford the food to put in it!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;. you need to get a debt free day graved in stone and start aiming for it. Enough is enough. Christmas is but 16 weeks away !!!8211; are you ready for that little charmer?

    So again, I!!!8217;d like to go back to basics and a few stricter rules back form NinjasavingKat!!!8217;s days.

    These are the rules!!!8230;.. clear and simple!

    *This challenge starts on the 1st September at 00:01 and closes on the 30th September at 00:00.

    *Try and check in once a day with your progress !

    *Get a little notebook that you can fit in your bag, or a slip of paper! Write down everything you spend - good and bad!!

    *You will aim for 18 SFDs!(Spend Free Days). If purchases of !!!8220;yellow sticker delights!!!8221; are made without full price items this is an SFD. Medication and normal monthly DD!!!8217;s or CC payments are exempt and you may class these days as SFD!!!8217;s also.

    *Pay you debts and bills first, budget to live off what is left!

    *You must decide on a budget for food now. This must be stuck to rigidly until the last day of the month ! Consider how much you REALLY need to feed your family, make meal plans, limit snacking with the kids or tell them !!!8220;when it!!!8217;s gone that!!!8217;s it until next week!!!8221;. Mine is 350.

    *Try and eat everything in your cupboards and freezer BEFORE buying any more. Money spent each week will be for essentials !!!8211; bread, milk and fruit & veg before buying more. Get right down to the bottom of that chest freezer, get out those nearly out of date packets of rice. Stop stock piling for Armageddon and wasting money. I don!!!8217;t care if you are prepping for visitors or a !!!8220;just in case!!!8221; situation! (note to mainly myself: STOP SPENDING SO MUCH ON FOOD!) I need to defrost my freezer and clean my fridge so this rule will help

    *You must bring your lunch to work every day. No coffee shops, no work canteen, no cafes, no sandwiches !!!8211; NOTHING. You will waste SO many precious !!!8217;s when something better can be created at home. If you think it doesn!!!8217;t matter and I won!!!8217;t find out !!!8211; you are right. But you are cheating yourself.

    *Plot the course of your social life now before the beginning of September. Make sure you have a budget planned for meals that can!!!8217;t be wormed out of and birthdays etc. Money placed aside for holidays can be classed as !!!8220;no spend days!!!8221; !!!8211; anything over the budget will ruin that SFD!! Cancel something you really don!!!8217;t want to go to !!!8211;you HAVE to start making sacrifices now.

    *Decide on your DFD!!!!8211; when do you want to start doing what you want to do???

    *You will accomplish some sort of exercise per week, 3 sessions of 20 minutes anyway you want. Walk someone!!!8217;s pooch, walk to work, walk around your block 5 times!!!8230; anything!

    *Beauty spends are not allowed to exceed 10. That includes you boys as well. Use up all that you have in the house BEFORE spending anything more on beauty bits !!!8211; seriously how many body moisturisers do you need ladies?

    *Make time for yourself this month. Even if it!!!8217;s only 10 minutes a day do something for yourself whether that is going for a walk, having a bath with loads of bubbles or sitting outside with a drink !!!8211; we need to make the most of the evenings.

    *Keep the heating off as long as possible, put a jumper on etc. We live in the north of Scotland in an 80s bungalow with metal windows. So it might be a challenge

    That!!!8217;s it!!!8230; think you can keep up?

    1. thriftylass
    2. apple muncher
    3. greent
    4. DawnW
    5. determined new ms
    6. Calling14
    7. jojitsui
    8. misstara
    9. f0xh0les
    10. Tempus01
    11. 1LuckyLady
    12. cybertortoise
    13. dizzyblnd
    14. mothernerd
    15. Shakey87
    16. clippy_girl
    17. Fmess
    18. stoplurking
    19. ChasingSunshine
    20. Eager_Elephant
    21. Tjzdazz
    22. Kerry Woman
    23. FurryBeastOz
    24. Buffethedebtslayer
    25. bizzie
    26. squanderscouse
    27. Sun Addict
    28. LD_13
    29. NelliePie
    30. vintagebrighton
    31. indigowarrior
    32. crazy_cat_lady
    33. LollyPop0312
    34. foxgloves
    35. redofromstart
    36. Lauralozzle
    37. Abundant
    38. ooitsme
    39. threepenny bit

    This Forum tip was included in's weekly email!
    Last edited by MSE Andrea; 13-09-2017 at 9:13 AM.
    NST June
    SFD 5/20 spends 474 (incl MOT which I might claw back form savings if needed)/540
    Exercise 5/20
    Debt - all 0% 1015 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 102400 (07/18) OP 0
Page 14
    • determined new ms
    • By determined new ms 8th Sep 17, 6:37 AM
    • 6,882 Posts
    • 40,381 Thanks
    determined new ms
    checking in 8/30 I didn't manage to do the hula hooping yesterday but I did manage 40 mins of power walking Will aim for hooping when I get in from work and have a lot of walking today so will tick that box. Already I am noticing the effects of doing exercise

    Is it tragic I'm looking forward to 2 or 3 SFDs???!

    lo over cucumber, houmous, toms and bruschetta for lunch today with fruit and yogurt.

    Have a great day - will check in tomorrow
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • f0xh0les
    • By f0xh0les 8th Sep 17, 7:16 AM
    • 1,549 Posts
    • 12,803 Thanks
    Found a bag of ys potatoes under a dish towel in the veg cupboard (no idea how old but looked fine, never happened before
    Originally posted by thriftylass
    I am often visited by the potato fairy. They appear all over the place. It is magic! My own fault for buying 9p YS 2.5kg bags of spuds

    Son wanted to try footie again but got cold feet again once changed. Oh well, not doing that again soon. Tried so many times now. Hopefully I can get him to go back to chess as he liked that and went before the summer break (plus it's cheap).
    Originally posted by thriftylass

    I know that one so well, sometimes I even get to the car park before he refuses to get out. They have put football on after school now though, and it is easier to get him to do stuff after school if it means not having to go somewhere else. It will come.
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99
    July 105,300.00
    NEXT GOAL is sub 105k before JulyMortgage-free wannabe 2018 #65
    • thriftylass
    • By thriftylass 8th Sep 17, 9:12 AM
    • 3,358 Posts
    • 27,566 Thanks
    Well, good morning, IT'S FRIDAY!!!!

    Did my numbers and spend 178/350 on food so far, 20/50 on HH and 74 on other things (paint, day out), so total of 273/400. This will be tight :0.

    Better get meal planning to make the most of what we have in an efficient way and we have plenty just now. Might make a big batch of soup again this weekend.

    Heating is still off but will soon come to the time where it takes ages to dry the washing because of the cold humidity up here. We'll see. Not yet.
    Last edited by thriftylass; 08-09-2017 at 1:40 PM.
    NST June
    SFD 5/20 spends 474 (incl MOT which I might claw back form savings if needed)/540
    Exercise 5/20
    Debt - all 0% 1015 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 102400 (07/18) OP 0
    • thriftylass
    • By thriftylass 8th Sep 17, 9:15 AM
    • 3,358 Posts
    • 27,566 Thanks
    I know that one so well, sometimes I even get to the car park before he refuses to get out. They have put football on after school now though, and it is easier to get him to do stuff after school if it means not having to go somewhere else. It will come.
    Originally posted by f0xh0les
    The problem is also there is only limited things he can try as we both work full time. The school does loads of things but they're 3:30 to 4:30 and loads of council and private clubs start before 5, why? It all seems to be geared towards one parent not working. Weekends are kind of a no go either because that's family time or we go and visit friends and relatives. We'll see. Sorry, rant over
    NST June
    SFD 5/20 spends 474 (incl MOT which I might claw back form savings if needed)/540
    Exercise 5/20
    Debt - all 0% 1015 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 102400 (07/18) OP 0
    • NelliePie
    • By NelliePie 8th Sep 17, 12:50 PM
    • 191 Posts
    • 426 Thanks
    Hi all, a NSD today so far,

    I was tempted by the smell of bacon from the canteen this morning, but I resisted as I came prepared with home made cookies (last night's me-time).

    I'm not counting it yet as I'm not sure what the plan is with the in-laws tonight.

    Foxgloves, Well done on coming home from holiday with money still left in the budget!
    Little One's due date 18/12/18
    5/5/18 I became Mrs Pie
    FTB June '17 - 144k motrgage
    • Calling14
    • By Calling14 8th Sep 17, 2:24 PM
    • 2,725 Posts
    • 19,814 Thanks
    It's Friday folks

    Yesterday spent 11.00 on hair dye( 2 packets) know its over 10 beauty items but will last me up to Xmas hopefully now. Hope I get let off the naughty step for the extra 1. I did small food shop 5.75 for essential veg and milk. Morrisons veg seemed cheaper then lidlees

    Today alone in office, went for a walk lunchtime bumped into some friends off to lunch in Wethers I refused but then did walk along beach and got a coffee and a cake.3.30 spent and watched lots of fit men in wet suits However got 6K steps in and really didn't fancy my frozen soup back in office.

    No plans for the weekend was going to wine tasting but phew its been cancelled.

    Grateful for
    Friday so tired today, hemmed curtains all last night.
    Lovely walk along seafront, waves crashing along
    Sunshine when rain was forecast today.
    LBM 13039 1.1.13 Start 2018 5552 NOW 1912
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 3639/5552 DFD 12/18
    Fund #9 120/1,000
    1 x 100 days challenge

    • greent
    • By greent 8th Sep 17, 6:33 PM
    • 7,153 Posts
    • 72,815 Thanks
    SFDs - 3/18. -not achieved one today - OH had to order a replacement valve for our shower @ 90!!!! as it's running cold. Won't be here until mid week and he is working away - so looks like I'm either having baths and washing my hair there (we have a shower/ bath tap thing) or showering in the boys' bathroom! I also went food shopping (just over 30) and had to pay for some school items and a club @ 150 total

    Extra monies/ debt repayment - just under 50 cashback claimed in Amazon vouchers towards Xmas - and 50 therefore transferred to kitchen fund

    Food - running total 157.62/ 450

    Eating up/ using up stuff - yep - the last of the defrosted cooked chicken eaten today!!!

    Lunches taken - yep.

    Social life - none

    Exercise - 2/3 for this week.

    Beauty - 2.73/ 10

    Time for self - still lacking. Will do better next week when things are more settled (ETA: - did manage to finish off a book in bed with an early night before crashing out )

    Heating off - yep. Still mild. I'm cold, but that's because I'm overtired (awake 3.15 -5.40ish - alarm goes off at 6.04....)

    * It's Friday
    * It's Friday
    * It's Friday
    Last edited by greent; 09-09-2017 at 11:26 AM.
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 124616 01/10 104927 01/11 89873 01/12 76317 01/13 52546 01/14 35356 01/15 12133 07/15 NIL
    BTL Mtge 12/16 69786. 2018 OPs (#18) 2772.47/4000
    Net sales 2018 558.92/1000 PAYDOX18 (#15) Done 18918.90
    • Sun Addict
    • By Sun Addict 8th Sep 17, 7:04 PM
    • 5,912 Posts
    • 39,211 Thanks
    Sun Addict
    Happy Friday

    Check in days 7 and 8 as fell asleep on the sofa last night before posting!

    Yesterday was big online grocery shop day, so far 185.26/400. Got a 10 off 100 spend from Mr M, didn't intend spending that much but bought some things that I would've bought in next week's shop so will be a much smaller big shop next week. Then I get 10% staff discount as DD works there.

    Today was SFD 4/18.

    Exercise walk to work and back plus 30 minutes in work gym at lunchtime.
    Virtual Sealed Pot 2018 296.07
    Debt 2300
    Weight loss 1/6LBS
    Emergency Fund 4000/10,000
    • Lauralozzle
    • By Lauralozzle 8th Sep 17, 7:14 PM
    • 560 Posts
    • 4,955 Thanks
    Wednesday - was not a NSD as OH really wanted a takeaway. It's come out of the entertainment fund so not the end Of the world but I was on track for a NSD before that!

    Thursday - was a NSD - only got yellow sticker goodies from Asda after work in the bakery item as we were out of bread.

    Friday - today hasn't been a NSD - got up too late today (didn't hear the alarm) and went to sleep early last night as I fell asleep on sofa so didn't make lunch. Spent 4 in Greg's.

    So, I'm only on 3/18. I need to really try to cut back on unneeded spends next week. Will try not to spend anything at all in the week and make sure I get everything I need on the weekend when we go to shop.
    Credit Card 1: 0.00 (0%) | Credit Card 2: 1,951.50 (0%) | Credit Card 3: 764.20 (0%) Car Finance: 7,491 (7.9% APR) | Mortgage: 110,794 (2.79% APR) | Emergency Fund: 69.68/1000 | Honeymoon Fund: 1,042
    • foxgloves
    • By foxgloves 8th Sep 17, 7:24 PM
    • 4,147 Posts
    • 21,532 Thanks
    Hi September Scrimpers,
    Check-in 8/30
    First full day back home after camping trip & some useful stuff achieved (I post on the DFW daily thread too, so shan't re-list everything).
    Not a SFD. Did our grocery shopping for next week, which came to about 30. Only need to get coffee & veggie stock cubes tomorrow, so will be well under our target spend of 46 this week. Defrosted freezer & made a new detailed list of everything in there. We've prioritised this plus home-grown produce for the coming weeks meal plans.
    Also paid cat's cattery fees for the few nights we were away.
    Took lots of blackberries out of the freezer & made various things with them, the main one being 10 jars of blackberry & pear jam. I'll use 2 or 3 jars for gifts.
    Exercise - I won't hit my goal of 7000 steps today. I've been really busy & have barely sat down, but my activity hasn't been very step-based, so I think I'll only be up to 5000 or so steps in total by tonight.
    Beauty spends - 6.50/10
    Me time - Planning to have a long soak in a hot bubble bath & catch up on some TV programmes.
    Enjoy your Friday nights, all.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 264
    • mothernerd
    • By mothernerd 8th Sep 17, 7:42 PM
    • 2,462 Posts
    • 25,735 Thanks
    Spendy day for me. Most of it on the business account though. Had to pay a fine at the library - had the books ready to go yesterday, but then in the panic of having forgotten to book mum a taxi, couldn't get through to either her (engaged) or the taxi office and went round in person (did not want to send another taxi if she had already ordered one) I ran out of time.

    Having lost the SFD I decided to buy a few things which have been on the list for a while. Whilst going the accounts for several years I discovered the printer we have was bought early in 2009, so overdue for retirement. DS3 was using it as a scanner but the ink cartridges were empty. Replacement cartridges cost 35 - 40 and the shop is selling new printers for under 30, so buying new cartridges in the hope that it still works (I remember it being a bit hit and miss for ages) is a bit of a gamble.

    I took my own 'advisors', DS3 joined in when the staff could not find the right cable for a customer (one end was right but not the other). They didn't have one so he told them who did (staff were advising other places to try).

    Resisted the urge to buy new storage even though DS3 kept patting things and commenting on their 'usefulness' (if I'm the one buying) but (Stationery sister, where are you) I did give in to a set of pushpins in the shape of turtles. Also bought next year's diary. Mum already has a couple of appointments for next year and I was considering buying a mid-year one but then thought why waste time transferring information now and then re-doing it in 4 months. Diary is a page to a day so should be ample for shopping, spending and to do lists (rather than the multiple bits of paper that are floating around at the moment.

    As we were having a taxi back, I did another bulk buy of toilet rolls (for me and mum) and made the trolley up to use a 2.50 off 25 voucher. Borrowed the trolley to wheel the stuff through the market (an unplanned 5kg bag of fresh onions went in at the last minute. They both made purchases in the market - Beloved bought skirt beef to make beef jerky, DS3 bought cooked sausages and ate them.

    Came home and am steadily working through the paper mountain.

    Today I am grateful for bargains (only a bargain if you need it), finally having a working printer (getting very frustrated as I have 3 embroidery patterns downloaded and about 3 dozen marked on pinterest and can't work for long using the pattern on screen - can get on with my C****mas present list and DS1's house warming present now) and feeling more awake and on top of things.

    The bit below was actually near the start of the post but got lost

    Have done my accounts by hand but have downloaded suitable apps to type them up (and can now print them), washing has been done and dried, ate leftover pizza for meals, took books and charity donations to the library and got new books
    Last edited by mothernerd; 08-09-2017 at 7:45 PM.
    This year I will be fierce
    NST Jul #10 SFD 6 /13 Food 100.54/150 Travel 17.60/15 Ent/diy 6/30
    No Debt No mortgage
    • apple muncher
    • By apple muncher 8th Sep 17, 8:00 PM
    • 7,475 Posts
    • 56,309 Thanks
    apple muncher
    Today I am grateful for a quiet day, for not being overambitious with how much shopping I could carry home, for my neighbour the bus driver being the bus driver on the bus I caught home, for really not being tempted by all the things in the shops (only aldee and icyland, mind!) that were not on my list, for Time Team on the telly as I sewed, for a much needed sort and clear with dd of clothes and shoes and coats, for my attempt at fish pie being quite edible, for the prospect of not having to wake up at 6 tomorrow.
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: 2334; 2
    018 sell 49.10; WLOSW /10

    Mortgage 20,809 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • DawnW
    • By DawnW 8th Sep 17, 8:05 PM
    • 5,105 Posts
    • 40,364 Thanks
    Check in 8/30 (do others think the month is going really quickly )

    - 1/18. Not achieved today. Found more bits off my 'wanted' list and spent 6.75. No grocery or pet food spends. All spending recorded in my little black book

    Eating up/ using up All food at home / from what we have in, including homegrown veg, fruit and salads

    Exercise - Walked a couple of miles in the rain, carrying a heavy bag one way (library books to return, and items to restock my sales unit)

    Heating Still off.
    July NSDs - 6 / 13
    Groceries, toiletries, cleaning supplies and pet supplies - 195.07 / 250.00
    • dizzyblnd
    • By dizzyblnd 8th Sep 17, 9:30 PM
    • 409 Posts
    • 3,696 Thanks
    Nsd today 4/18 im happy with that.

    If anyone wants to buy any Disney junior stuff from the Disney store I have a 15% off code JUNIOR15. May b useful for early Christmas presents. Feels like winter today. I've already got everyone's winter coats, scarfs n wooly hats.
    NST2018 mortgage-free wannabe #145
    • vintagebrighton
    • By vintagebrighton 8th Sep 17, 10:06 PM
    • 557 Posts
    • 1,692 Thanks
    Check in 8/30

    Spendy day today - took out 40 shopping money for the week. Spent 32 so have 8 for veg later on in the week.

    Had to get an urgent gp appt this morning as have a lovely flare up of eczema on my face. I wouldn't mind so much if I could cover it up but no, big, red flare up merging into an oncoming rosacea flare! Got a new emollient to try and steroid cream. I'm having a serious grump!

    Have a guest changover to do tomorrow then a couple of one nighters. My 7 night guest has cancelled which leaves a bit of a hole. I wanted to get as many nights filled as possible as I've blocked 2 weeks out for my op. Hopefully that's enough. If the nights don't get filled again maybe I can get on with the sorting that needs doing

    Anyway, no exercise.

    Me time has been listing on eBay.

    Heating not on yet

    Looking forward to the weekend

    VB x
    Australia (1% Challenge #6) ~ 0/100
    Weight Loss Challenge ~ 0/42
    Save 12k in 2018 #32 ~ 4250/6000
    • Kerry Woman
    • By Kerry Woman 8th Sep 17, 10:24 PM
    • 2,382 Posts
    • 23,176 Thanks
    Kerry Woman
    Day 8
    Was a spend day as had to put on a weekly bus pass onto my oyster and get the tv mag.
    Already told the agency I was not available for work today and they already informed the school.
    Did walk to and from where I get the tv mag and bus pass, 10 minutes each way. Exercise - 6.
    Went to the volunteer do tonight and had a good time and laugh. No spend there as refreshments were provided.
    My Mum and I had dinner at lunchtime. Left some food/drink for my Mum when I when out. Used what we had in.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST 07/2018 - Survive July! NSD 14/20
    • misstara
    • By misstara 8th Sep 17, 10:26 PM
    • 2,796 Posts
    • 19,786 Thanks
    Spendy days today and yesterday so no NSDs to report, still on 5? (must check). Working double shifts tomorrow and Sunday so hoping for NSDs both days.

    Went for a run this morning, that was my me time for today.

    Heating still not on although it felt pretty chilly when I got up this morning. Thrifty I already have bother getting clothes dried in the flat without the heating on but I'm just trying to time my washes with dry days so that the clothes can line dry.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 678.01 (70.6% paid)
    Car debt Nov 2017 797.68 Now 471.72 (40.9% paid) + monthly payments 146.82 7/60
    Emergency fund - 50/1000. Car fund - 122/1000.
    Mini Targets in July
    Exercise target - 5/16. Groceries target 150.93/200. NSD target 5/13.
    • Fmess
    • By Fmess 8th Sep 17, 10:29 PM
    • 2,714 Posts
    • 26,032 Thanks
    SFD number 6 today. I've done 12000 steps and I'm so pleased it's Friday!
    LBM = 07/09/13 Debt = 13339 (100% cleared)
    New Car and Roof Debt 0/19033
    DecNST #2 SFD 13/15 Food 105/120 Personal 380/350 Petrol 80.01/80
    • stoplurking
    • By stoplurking 9th Sep 17, 12:52 AM
    • 349 Posts
    • 2,330 Thanks
    Late check in 8/30. Lunch to work 6/21. No SFD today as it was my turn to pay for coffee. Annoyingly I forgot to buy the cards I needed so will have to do that tomorrow so that's another day lost. Ah well, it is very small amounts being spent, eg 5 today. Oh, 12 for window cleaner.
    No exercise today. Me time just vegging out, hope that's ok, it is Friday.
    Heading into the weekend quite chilled out which is good for a Friday.
    Meal plan being followed. We always meal plan, and mostly follow it, but the past few months we have not being checking it in advance so find on the day we are missing a component of the meal. This month we are trying to forward plan and make sure we get everything we need for the week in one go, as far as possible. There is some flexibility in the plan so that if plans change we can adapt.
    Made it to Friday
    Quiet weekend to look forward to
    Feeling happy.
    LBM Oct12 Debts at LBM 17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 1193/4000 29.8%
    • redofromstart
    • By redofromstart 9th Sep 17, 8:53 AM
    • 1,842 Posts
    • 11,275 Thanks
    yesterday was a spending day, although only on food shopping which is quite good given that I went on a very rare trip into the city centre. Nothing I needed or wanted more than I want to have some money left in the bank at the end of the month.

    Steps ended up at over 22k, and my poor feet ache today.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,771Posts Today

7,472Users online

Martin's Twitter