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  • FIRST POST
    • thriftylass
    • By thriftylass 29th Aug 17, 3:16 PM
    • 3,358Posts
    • 27,566Thanks
    thriftylass
    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?

    Contenders:
    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 MoneySavingExpert.com'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 22
    • vintagebrighton
    • By vintagebrighton 15th Sep 17, 12:21 PM
    • 557 Posts
    • 1,692 Thanks
    vintagebrighton
    Check in 15/30 and have pencilled myself in for a NSD, number 8 of 18

    Today is lovely and sunny and finally getting my tax refund money made it even brighter

    My daughter send me my money back too as she's now safely in Australia for the next 6-8 months.

    So, I still have my 1000 emergency money in premium bonds (you never know, I can daydream about the big one)

    I've also opened a separate savings account which I can't take money from for 12 months. Feels like I'm getting somewhere

    Heating - not yet. I almost cracked yesterday (for the guest you understand) but I've not yet had the heating on in this flat and I couldn't get it to work! Something to sort by October

    Shopping can wait till tomorrow - hence the NSD.

    Beauty spends - none yet

    Exercise - will go for a long walk while the sunshine lasts

    Me time - crochet later

    mothernerd I also can't wear heels (or most shoes) For those occasions when something less sturdy looking is needed I can highly recommend skechers memory foam ballerina style pumps. No one would guess they wear like trainers

    Anyway, have a lovely day scrimpers

    VB x
    Australia (1% Challenge #6) ~ 0/100
    Weight Loss Challenge ~ 0/42
    Save 12k in 2018 #32 ~ 4250/6000
    • Calling14
    • By Calling14 15th Sep 17, 12:24 PM
    • 2,725 Posts
    • 19,814 Thanks
    Calling14
    SFD lost count but it is no more than 3/18. Worst ever been and I need eggs today. Slapped wrists for not getting them in big food shop.

    Food spends so far 83/100
    Petrol 40.06/40 oops
    Going out 38.50 (22 ticket gig in future) can't remember any social life.

    Feeling tad fed up as just about keeping head up over water with debts.

    Heating went on last night, I just couldn't get warm as sat still in cold office yesterday and I am full of cold. Washing aired at same time, had been out on the line. Heating was heavenly and treated myself to a warm bath as well.

    Spent yesterday, went to primark why? Needed leggings ok only 2 each but somehow spent 17 but got a cute woolley pompom hat in the mix.

    Made chicken curry in slow cooker yesterday, just wish taken skin off the thighs first. Can't say I really enjoyed it but hey ho got it again for tea tonight.

    Off out for a walk and get some library books for some me time tomorrow.

    Mothernerd good luck on the shoe front, no sparkly sandals you could put on.?
    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
    E
    Fund #9 120/1,000
    1 x 100 days challenge
    2374/2550

    • greent
    • By greent 15th Sep 17, 4:12 PM
    • 7,153 Posts
    • 72,815 Thanks
    greent
    Day 15 - Halfway There!!
    SFDs - still 8/18. - bought food (& loo rolls) today. Will also order DS1 some books for school (not enough text books - school won't buy any more as this is the last year of this spec - will cost me c 40 for 2nd hand copies....) Was also OH's MOT & car service - needed some new bush bar thing.... total cost 410....

    Extra monies/ debt repayment - Spent coinage from piggy bank in supermarket today - equivalent (rounded up) amount transferred to kitchen fund. ALso BTL rent arrived - s paid 408 OP to BTL mtge

    Food - running total 234.08/ 450 (ETA: OH popped out late in evening for bacon & sausages for weekend, so spend increased)

    Eating up/ using up stuff - OH brought back some more tea & coffee from the hotel he stayed at this week - so have used some of those up. Also used some freebie shampoo sachets up.

    Lunches taken - 3 x packed lunches for children today.

    Social life - went out for afternoon tea today - was a gift voucher, so no cost

    Exercise - 2/3. Have achieved min 10K steps every day this week so far - today's is only at 6k - so may need to go for a walk later...

    Beauty - 2.73/ 10

    Time for self - afternoon tea

    Heating off - yep.

    Gratitudes:
    * DS1 enjoying his driving lessons (I think!)
    * DS3 being in an absolutely delightful mood
    * DD doing the first school run for me tonight


    Halfway there. I thought I was doing well with NSDs - but I'm actually slightly off target in that case... (However, I'm personally more concerned with budgets overall, rather than NSDs, but I appreciate that others prefer stricter guidelines)
    x
    Last edited by greent; 16-09-2017 at 5:22 PM.
    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
    • crazy_cat_lady
    • By crazy_cat_lady 15th Sep 17, 5:31 PM
    • 3,609 Posts
    • 30,944 Thanks
    crazy_cat_lady
    I got married wearing baseball boots. And I didn't care. It was my wedding and I didn't judge anyone else so I was going to wear what I wanted. Wear your trainers if you like Mothernerd.
    Another week gone by in the blink of an eye - so busy at work already and only the end of week 2. I'm tired, and busy. On the plus side, this builds up nsd's quite quickly, and I've bagged another 2. Plus the open evening is done for another year so hopefully I can look at getting into a routine next week without too many late finishes.
    June Odessy NSD 6/10 DFD 6 Nov 15 - paid 28,447
    • foxgloves
    • By foxgloves 15th Sep 17, 6:14 PM
    • 4,147 Posts
    • 21,532 Thanks
    foxgloves
    Hi Scrimpers,
    Check-in 15/30
    SFD 5/18
    Beauty spends still at 6.50/10
    Exercise goal - don't think I'll hit my step total but won't be too far off.
    Me time - watched 'Cold feet' & knitted.
    Useful activity: Picked a huge bowl full of pears, also courgettes, corn-on-the-cob, rocket & spring onions. Another 500g of green tomatoes had ripened indoors so moved them to the fridge. Wrote shopping list & have already crossed off 2 items we can do without till next time. Mended a top & found a pretty Indian bedspread in the linen cupboard which I think I can make into a door curtain.....i.e Free......unlike that 50's worth of fabric I looked at in town this week & thankfully did not buy.
    Mr f still researching mobile deals. We are really noticing how there seem to be far fewer genuinely good deals around these days where mobiles are concerned. Am happy to go sim only....I don't like the wastefulness of all this endless upgrading, but looks like I'll need to change network to get anything like a decent reduction on what we currently pay.
    Anyway......more knitting now or I'll have no goods for sale.
    Cheers all,
    F
    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
    • Lauralozzle
    • By Lauralozzle 15th Sep 17, 7:01 PM
    • 560 Posts
    • 4,955 Thanks
    Lauralozzle
    Yesterday was a NSD so I'm at 7/18. Today was not - I succumbed to the lure of chocolate and sweets. I don't regret it for a second though!

    I am glad it's the weekend now. Could really do with a relaxing two days off work before it all starts again. I'm counting down the days until I'm off - only a week to go so I can hang on in there!
    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
    • apple muncher
    • By apple muncher 15th Sep 17, 8:36 PM
    • 7,475 Posts
    • 56,309 Thanks
    apple muncher
    Today I am grateful for the buses, for good chats with friends, for finally getting the overpaid money back for my dad's council tax, for dd squeaking with excitement as she read her book, for still picking my rasps, for dh and I getting the food shopping done between us and thus freeing up the weekend, for readable books that keep me interested, for a yummy anniversary meal courtesy of aldee's chilled curry range.
    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
    • mothernerd
    • By mothernerd 15th Sep 17, 8:58 PM
    • 2,462 Posts
    • 25,735 Thanks
    mothernerd
    Check in 15/30 and have pencilled myself in for a NSD, number 8 of 18

    mothernerd I also can't wear heels (or most shoes) For those occasions when something less sturdy looking is needed I can highly recommend skechers memory foam ballerina style pumps. No one would guess they wear like trainers

    Anyway, have a lovely day scrimpers

    VB x
    Originally posted by vintagebrighton
    I think you could, maybe not the dirty gardening ones . Most dresses are long enough so no-one would notice. Or you could get dressy flat pumps or sth. A friend of mine got married and she has a bad spine. So as the bride she wore high heels for the ceremony and then slipped into her favourite golden trainers . No-one bat an eyelid as they knew she couldn't wear heels all day.

    I turned up to a wedding in high heels but had my trainers in the car. The ground was so uneven that I had to take my heels off and wore my trainers with my 50s pencil dress.
    Originally posted by thriftylass
    I got married wearing baseball boots. And I didn't care. It was my wedding and I didn't judge anyone else so I was going to wear what I wanted. Wear your trainers if you like Mothernerd.

    Originally posted by crazy_cat_lady
    Thanks for all your suggestions. Mum said something again today, so I told her about the gorgeous knee length black DMs with red roses embroidered up the sides which I had seen earlier.

    Not going to worry about footwear just yet, much more worried about flying - must get in touch with Manchester airport.

    Today was a slower version of yesterday. Woke reasonably early but took my time getting ready, walked slowly to the SM (had to sit down in the market, then a taxi to mum's. Just got home, legs are very creaky today and I occasionally go off balance but only a mis-step not falling over. early night as I want to tackle the kitchen tomorrow, even if I have to sit on a chair and push it round.

    Today I am grateful that the SM had the things I wanted (lovely watercress and bananas, yoghurts on offer 12 for 3 - bought 12 for me and 12 for mum including an after eight one). They are the SW recommended ones for anyone following that plan, normally 68p each.

    Grateful for a lovely relaxing morning (can't quite get all the kinks out of my back) and for an absorbing novel (had several modern ones by this author but this is set in Henry VIII's reign.
    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
    • Kerry Woman
    • By Kerry Woman 15th Sep 17, 9:27 PM
    • 2,382 Posts
    • 23,176 Thanks
    Kerry Woman
    Day 15
    Today was a spend day. Had to buy tv mag and bus pass.
    Had to buy toothpaste. Buy this through an ethical company, which sells natural, organic items. Brought 12. If got 3 was able to get 1 off also had a 20% code so saved 12.68. They usually last quite a while. Also had to get a few things for my Mum. Spends updated in my notebook.
    My Mum and I both had a GP appt. Got cab there. Was going to get a cab back but there was a 40 minute wait, so took my Mum back home in the wheelchair through the park. Both enjoyed going through the park.
    Did the usual walking, reading my book and bringing my lunch into work.
    Managed to do a few things tonight so I can chill out over the weekend. Food shopping planned for tomorrow.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST 07/2018 - Survive July! NSD 14/20
    • bizzie
    • By bizzie 15th Sep 17, 10:45 PM
    • 169 Posts
    • 2,031 Thanks
    bizzie
    Checking in #15/30.
    Still at NSD #10/18.

    Plenty of food bought which will provide meals until at least Tuesday next week.
    Weekend baking already underway by DD - requests from friends for their planned DVD binge session tomorrow. Will be plenty left to go round for the rest of us. Downside somehow I got lumbered with the washing up.
    Still refusing to put the heating on so grateful for fleece blankets.
    Groceries 90.13/300.00 Personal Spend /100.00
    NST July #19 NSD 6/13 @09/07/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • thriftylass
    • By thriftylass 15th Sep 17, 11:46 PM
    • 3,358 Posts
    • 27,566 Thanks
    thriftylass
    mothernerd oh I would love to have a pair of the DMs with the roses.

    Back from my nightout, was fab but spent more than a tenner. Will check tomorrow. More soon

    Night night
    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
    • threepenny bit
    • By threepenny bit 16th Sep 17, 4:39 AM
    • 214 Posts
    • 1,778 Thanks
    threepenny bit
    Ended up buying some toothpaste and fruit today at local market so not the NSD I planned.
    Not been doing much as I have been shattered after work and only fit to drop into bed lol! We have gone away for the weekend in our caravan which means we will spend money on site fees that I didn't budget ... will have to steal from some other pot :P
    Hope everyone has a wonderful weekend
    x
    1st challenge to pay CC (JV1) 0/$2100 updated
    Christmas 2018 challenge 50/600
    Work on selling items and decluttering
    • apple muncher
    • By apple muncher 16th Sep 17, 8:12 AM
    • 7,475 Posts
    • 56,309 Thanks
    apple muncher
    Spendy day today on SW weekly fee and then chicken and chips after weigh in

    .
    Originally posted by Fmess
    I know you wrote this a few days ago, fmess, but it is at the top of my current page so I see it a lot. Your rebellion makes me giggle every time!
    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
    • determined new ms
    • By determined new ms 16th Sep 17, 8:24 AM
    • 6,882 Posts
    • 40,381 Thanks
    determined new ms
    morning check in for yesterday 15/09 - was too busy yesterday. SFD 6/18 It is clear I am no way going to hit the target But I'm trying and going to get more than usual. It takes a bit more planning than I generally live my life by

    went to friends, had a lovely time with her and didn't spend a penny stopped at the allotment before going there and picked her a whole veg box with different things (clearly I think veg is cooler than she does! )

    I took my lunch to work. Didn't turn on the heating, but it was freezing last night so cold I didn't want to get out of the covers on the sofa and go to bed!

    Today in all probability is going to be a spend day as we are going to Paws in the Park - madam is nuts about all things dog. Will report back later
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • redofromstart
    • By redofromstart 16th Sep 17, 9:09 AM
    • 1,842 Posts
    • 11,275 Thanks
    redofromstart
    Yesterday was a spending day, food shopping while I had to be in local small town. All spends updated.
    • vintagebrighton
    • By vintagebrighton 16th Sep 17, 1:49 PM
    • 557 Posts
    • 1,692 Thanks
    vintagebrighton
    Check in 16/30

    Today will be a spendy day but did make our shopping last 8 days instead of 7 last week so happy with that.

    Have withdrawn 40 for the weeks food. No other spends needed so I'll try not to spend anything else while we're out.

    Heating - not yet. I haven't worked out how to use the boiler yet!

    Beauty spends - 0

    Me time - crochet and a film later I think

    Exercise - a walk later even though it's now raining

    Have a lovely Saturday scrimpers

    VB x
    Australia (1% Challenge #6) ~ 0/100
    Weight Loss Challenge ~ 0/42
    Save 12k in 2018 #32 ~ 4250/6000
    • foxgloves
    • By foxgloves 16th Sep 17, 6:54 PM
    • 4,147 Posts
    • 21,532 Thanks
    foxgloves
    Hi everyone,
    Not a SFD as treated Mum to coffee & biscuits in town. She desperately needed a change of scene as lots of very stressful family stuff at the moment. Didn't buy anything else though. Wangled a free newspaper & was given 60 to add to savings. Have hit my exercise goal as am already on 8546/7000 steps. No 'me time' yet but my partner is opening a bottle of wine as I type this.
    Need a night of sofa, tv & stroking cat.
    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
    • Kerry Woman
    • By Kerry Woman 16th Sep 17, 6:54 PM
    • 2,382 Posts
    • 23,176 Thanks
    Kerry Woman
    Day 16
    Was a spend day today. Brought food. So total so far for food/household is 105.90/150. Total for this week was 38.65. Updated my notebook of spends.
    Did no exercise today. Finished reading my current book. Did not do much else today as just relaxed. Managed to achieve a few things today so happy with that.
    Last edited by Kerry Woman; 16-09-2017 at 6:59 PM.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST 07/2018 - Survive July! NSD 14/20
    • f0xh0les
    • By f0xh0les 16th Sep 17, 6:56 PM
    • 1,549 Posts
    • 12,803 Thanks
    f0xh0les
    NSD #10 double figures!!

    Sorted three boxes of tat into one box of tat and the rest recycled/in the bin.

    Clipped half the hedge then my trimmers ran out of power. Will do the rest tomorrow (I always start on the inside, and then do outside afterwards so nobody can tell from outside.

    Me time - bath and book and candles (not all at the same time or in the same room)

    Checked energy bills online- all paid up to date - and have nearly 200 excess, so if it gets cold the heating is going on, but not until it is actually properly cold. Maybe it won't get so cold with double glazing ?

    Have a lovely evening
    Last edited by f0xh0les; 16-09-2017 at 7:33 PM.
    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
    • DawnW
    • By DawnW 16th Sep 17, 7:40 PM
    • 5,105 Posts
    • 40,364 Thanks
    DawnW
    Evening all
    Giving up on SFDs - if I don't spend, OH does And all the money comes out of joint accounts so it is pointless really - he bought fuel and coolant for our old camper van today, so not just frittering. I had a big spend yesterday - DD2's boiler broke, and I gave her the money to get it fixed She is on maternity leave, due in December and has a little girl of 3, and I wasn't having them getting cold when I have money in the bank to help them

    Anyway, apart from that (!) I am doing ok, food still within budget, using what we have, writing down all spends, no heating (though it is cold here tonight and I am swathed in a blanket). We are supposed to be going away in our camper van with family (in their caravan) at the end of next week, so I am hoping it warms up a bit This is already booked and paid for, so not much extra spending envisaged there. We will take most of our food with us, and hope to spend most of our time walking on the moors and beach if it doesn't rain too much
    July NSDs - 6 / 13
    Groceries, toiletries, cleaning supplies and pet supplies - 195.07 / 250.00
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