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    • mothernerd
    • By mothernerd 28th Sep 17, 9:46 PM
    • 2,438Posts
    • 25,433Thanks
    • #1
    • 28th Sep 17, 9:46 PM
    NST October ORGANISE OCTOBER 28th Sep 17 at 9:46 PM
    Ninja Savings Turtles ORGANISE OCTOBER

    Several people have indicted that circumstances dictate the continuation of September's Super Scrimpers regime and the tough line instituted by Ninja Savings Kat in her challenges (see NSK).

    Austerity October? Austerity with a twist because although the turtle way is difficult we always aim to have some fun along the way, provide the odd inspirational quote, offer help and advice, sympathise when things go wrong and celebrate our successes. Remember No Turtle Gets Left Behind.

    Commit to the challenge, follow the rules to the best of your ability. The rules are all tools that will help you on your debt free journey, the more tools you utilise, the more you will save but if you are new, it can take a while to get up to speed with them all. Don't worry.

    The Truth is out There
    Question Everything
    Be Stronger Than Your Excuses

    Organise. Start as you mean to go on. Know the contents of your fridge, freezer and cupboards. Plan your meals around them. Cook from scratch. Don't buy anything you can make unless cost /time taken dictates otherwise. If you are new to turtle challenges or still have full cupboards you could try living from the cupboards.

    Regular budget items should be set by 3rd October at the latest (extra time allowed because this is being posted later than usual). If you don't know how much you are spending on food or petrol, now is the time to find out. Question every purchase - need or want? Can you make a percentage cut to one of your budget items - 3% to 10% you decide. Most importantly, Pay To Your Debt Or savings First, Live off What Is Left.

    Get Ready for Winter. Checklist in separate post. You decide how and when to implement it.

    ALWAYS Be Kind

    No Spend Days. Aim for 20 (high target) or 15 (low). You will not lose an NSD for petrol included in petrol budget, medical expenses (you don't choose when to be ill but stocking up would be cheaper), yellow sticker purchases only (no additional full price items). For regular activites where fees are paid weekly (children's clubs, window cleaner) you can set aside the money for the month on a spend day and avoid losing a spend day each week.

    Special exemption for the turtle who's family drink milk by the bucketload. Any requests for special exemptions will be considered (some turtles manage their money in other ways)

    IMPROVISE. Make do and mend with a creative twist. think of a substitute ingredient, how to make an old/broken piece of furniture last a little longer. Looking forward to reading your stories on this one (not if they invlove sending OH to work in your pants).

    STOPTOBER Are you participating? Have you any bad habits to curb or a good one to implement or re-instate.

    EXERCISE Four times a week at least (20 minutes minimum but can be done 10 minutes at a time). Get outside in daylight as often as possible.

    ONE MORE TIME It is never too late for a second chance. Some of us set goals in January. last month thrifty asked us to look at where we wanted to be, why we weren't there and what was going wrong. Now you need to put in the small steps that will lead to your goal. If you have fallen off the path, start again - just because you can't do it all, doesn't mean you can't do any. New starters may like to set some goals for the next 3 months.

    CHRISTMAS Sorry we do have to talk about it. If you love it and have been planning and saving all year, enjoy yourself.
    But let us think about cutting back.
    You still have time to have the 'no present pact' talk (token presents/ children only) or talk your work colleagues or other groups into only giving one card to the whole group with savings possibly going to charity.

    You still have time to make presents but may need to buy materials (may be more time for edible gifts). Involve children in making gifts particularly for grand-parents and teachers. Encourage them to have a toy clear out and pass on any that are no longer wanted to younger family memebrs or charity (or sell to make a few pennies).

    Finally Don't Be A Martyr For Christmas
    If the works annual do is a chore (and an expensive one) opt out. Say you aren't going.
    Some people have lovely families and love to gather together. Most of us have the odd awkward relative and some would try the patience of a saint. Don't let others take you for granted and don't feel obliged to welcome all and sundry.
    If Christmas is a difficult time for you, take time out if you need it, treat yourself kindly .

    THE Challenge will run from 00.00 on 1st October until 00.00 on 31st October.

    ODD - This month's inspiration is going to be slightly off the wall. Looking forward to how many of you can follow where others boldly go

    BANNED Takeaways, coffee shops, chippys, pie shops, vending machines, sandwich bars etc. exemption for turtls who budget for this from personal/ social spending or who have nowhere else to meet a friend. Dispensation for support for sick friends.

    EXTRA INCOME Overtime, surveys, second jobs, craftsales at Christmas fairs (Bunny tales - and tails - always welcome).

    REPORT in, daily if possible (I know some people have access problems). Sometimes people slink off if they have strayed but you will not feel better until you tell your fellow turtles about it. BE STRONGER THAN YOUR EXCUSES.

    Last edited by mothernerd; 29-09-2017 at 10:19 AM.
    This year I will be fierce
    NST Jun #1 SFD 8/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £15/£30 may buy clothes?
    No Debt No mortgage
Page 13
    • determined new ms
    • By determined new ms 6th Oct 17, 8:06 PM
    • 6,859 Posts
    • 40,212 Thanks
    determined new ms
    check in 6/31 (doing quite well with this )

    ha ha but nothing of great importance to add!

    No exercise

    not a SFD as needed milk bread and got madam a bar of choc for a treat

    Kindness - gave a sh*t about the trauma one of my clients is going through. It's my job, but often feel people I work with need someone who cares about the trauma they are experiencing. so many cuts in mental health services there isn't enough support around.

    No organising or working on my goals. Think I'll call my daughter then knit and listen to audio book

    What am I grateful for? (I've had a rough day so would do well to count my blessings!)

    * woke up late, so was late to work but no one in the office so hassle free
    * madam is doing mindfulness work at school and was doing work around worrying. Her "happy place" is our home
    * it's the weekend & as I work pt I am off until Tuesday
    * my 9 lovely squashes I harvested on Tuesday that are currently sat in the kitchen. Some of them are beasts!
    * I lost another 1lb that's 5 in total and only another 3 to go
    * I have a lovely partner and a happy home life
    * I don't have much money but have lots of free time and a nice home life
    * my lovely oh brought me home some violet colouring and some glass jars to make some sugar scrub to give as a gift. I now have all the items
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • Kerry Woman
    • By Kerry Woman 6th Oct 17, 8:39 PM
    • 2,350 Posts
    • 22,803 Thanks
    Kerry Woman
    Day 6
    Was a spend day. Had to get a few things after work. Will update notebook tomorrow.
    Walked 20 minutes and read book.
    Took lunch into work and used food etc today.
    Grateful for:
    It is Friday.
    Being able to do some errands after work.
    Able to mark somethings off my to do list for tomorrow as I was able to do them today.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST June 2018 A June Odessey(Staycation) NSD 13/20
    • DawnW
    • By DawnW 6th Oct 17, 8:50 PM
    • 5,056 Posts
    • 39,919 Thanks
    Day 6 check in:
    Spend day today - OH and I went out today (entry fee £20) but avoided the cafe and took our own picnic and tea / coffee
    Also needed more shopping as my brother has turned up 'for a few days' while he is between jobs Shopping budget is therefore likely to be blown, and my challenge will be to keep this to a minimum!
    All spends noted in my spending diary, and my signature duly updated re household / shopping spends.
    Exercise - walked several miles today
    Extra money - did a survey for Yougov, waiting for one for onepoll, as I am 5p away from being able to cash out £40. They always keep you waiting for the last little bit, but one will come up eventually and they will pay up
    NSDs for June 10 / 10
    Groceries / cleaning / toiletries / pet food etc £227.30 / £250
    Fuel 99.95 / £100

    • laurenh1
    • By laurenh1 6th Oct 17, 9:31 PM
    • 495 Posts
    • 5,212 Thanks
    Lauralozzle if that even legal re over time? I cannot believe any employer would expect you to work for nothing!! My employer occasionally gets the odd 15mins out if me before or after work & I think that's very good of me haha!

    Managed to come in under budget this week so got the kids hair cut and halloween costumes- these were on my list for the next few weeks anyway so I figured get them from this weeks left over budget rather than just leave it in purse & fritter it away. Boys look handsome & one of the cuts was free using my loyalty card

    I got a free side from the KFC app, so I got my eldest a corn on the cob while we were out, it was quite chilly so it was a nice warm treat on a cold day and one of his 5 a day alsp a free banana from Tesco for each of the kids, I always take advantage of that whenever we are in there. F
    • determined new ms
    • By determined new ms 6th Oct 17, 9:37 PM
    • 6,859 Posts
    • 40,212 Thanks
    determined new ms
    Dawn you reminded me to check onepoll and just did a couple of surveys
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • Lauralozzle
    • By Lauralozzle 6th Oct 17, 10:08 PM
    • 560 Posts
    • 4,955 Thanks
    Honestly that is taking the mick re ot! ahhhhhh! It makes me so mad how over recent years employers seem to expect more and more. I work for a charity and often work a bit extra because there are important things to do for my clients. BUT I feel that is my choice and something I am giving freely. But a lot of the time - and I've had 3 employers over the last 4 years and all 3 have expected you to do more than your contracted hours - more and more these days there are expectations you will do stuff outside of your contracted hours for gratis, and it's not even as if it's asked!

    I always feel like that about take out. Trying to break the habit, although tbf we only have had take outs max 1 x month over recent years. It just isn't worth it, better to have a couple of frozen pizzas in the freezer for when you cba
    Originally posted by determined new ms
    Yes, it is taking the mick with overtime. Until rules go back to what they were I'm not doing it (I don't understand how during normal hours time standards state a certain price of work takes say for example 30 minutes and all of a sudden for overtime it takes 20 minutes. The work is no different, it's exactly the same).

    Lauren - I don't know re if it wasn't s legal - But I do know if I stopped after the four hours and there was work left they'd be words on the Monday as there is an expectation to hit your target.

    Frozen pizzas might be a good idea to be honest - we don't like the Aldi ones though so might have to pick some nicer, slightly more expensive ones (to appease the OH). We'd have been fed by the time it arrived too - took an hour. Nothing quick about that.
    Last edited by Lauralozzle; 06-10-2017 at 10:18 PM.
    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
    • dizzyblnd
    • By dizzyblnd 6th Oct 17, 10:16 PM
    • 407 Posts
    • 3,683 Thanks
    Nsd #2 today woohoo! I spent all day cleaning n tidying. Also been sticking with my clear one object a day from my house.
    NST2018 mortgage-free wannabe #145
    • mothernerd
    • By mothernerd 6th Oct 17, 11:29 PM
    • 2,438 Posts
    • 25,433 Thanks
    ilovetea I've heard of diamond embroidery but didn't know what it was.

    sashanut I also have cellar envy.

    bizzie good going on the snack avoidance.

    Fmess tiles, how exciting, it's getting closer.

    Sazzle13 no crisps or chocolate, well done.

    misstara when I first had a pedometer I walked to a SM in the next town up to recycle Christmas cards and that was 16,000 but now it takes forever just doing little bits.

    squirrelgirl have fun with dgs.

    f0xh0les the moon is so peaceful, isn't it?

    laurenh1 escaping chickens, well done on th freebies.

    Lauralozzle hope you enjoy the hen do.

    Jellybean88 I was quite happy about meeting DS1 at a bus stop rather than going into the city.

    Scrimps decorating is progress.

    DebtFreeDuo well done on the extra income.

    fruitloop04 so glad your sister and the baby are home.

    greent takes so long to find good tradespeople and then they disappear.

    apple we love refunds.

    determined new ms lovely gratitude list.

    Kerry Woman it's always good to be ahead.

    DawnW my Oh's brother came to visit before we were married - food bill doubed, beer bill tripled - he had to go.

    Dizzy blnd well done on clutter clearing.
    Last edited by mothernerd; 07-10-2017 at 8:08 PM.
    This year I will be fierce
    NST Jun #1 SFD 8/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £15/£30 may buy clothes?
    No Debt No mortgage
    • bizzie
    • By bizzie 6th Oct 17, 11:34 PM
    • 164 Posts
    • 1,971 Thanks
    Check in #6/31
    Not a NSD.
    Long walk today with a friend round the local area making the most of a beautiful autumnal day. Harvest moon last night was stunning.
    Weekend list of things to do which appears achievable.
    Groceries 220.22/300.00 Personal Spend /100.00
    NST June #25 NSD 15/15 @23/06/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • mothernerd
    • By mothernerd 6th Oct 17, 11:40 PM
    • 2,438 Posts
    • 25,433 Thanks
    I'm sorry, but I have let you down today. I was eating yoghurt and doing quite a good job of persuading myself it was as good as chocolate. DS3 and Beloved went somewhere, came back with chip shop food. I coud smell the chips and vinegar from upstairs and it was so good that I caved in and went to buy some.

    I have had a quiet relaxing day. Things have been done (currently on fourth washing machine load with at least two to go) and lots of sinkfuls of pots and recycling washed but I haven't rushed, lots of purposeful pottering and sedentary bits in between. Was hoping to carry on for quite a while but I've slumped a bit in the past hour so may read and sleep.

    Today I am grateful for lovely drying weather, for chip shop tea and for still having clothes to put on.
    This year I will be fierce
    NST Jun #1 SFD 8/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £15/£30 may buy clothes?
    No Debt No mortgage
    • sashanut
    • By sashanut 6th Oct 17, 11:47 PM
    • 2,833 Posts
    • 26,240 Thanks
    No 6 checking in
    Hi all!

    Thriftylass : No need to have cellar's a massive space that needs de-junking, painting & clearing. I suppose once it's done it'll be more useful, but it is an old coal cellar. Until we discovered it flooded when the water table is high )happens a lot round here) we used to keep lots more down there...

    Spendy day today so NSD still at 3/15

    Organise: Managed to briefly get down cellar, spent about 10 mins brushing down wall prepping for painting, which I didn't get done as we went out. Included removing newspaper from shelves from 1997

    Lunch HM & from stores, soup made from remains of chicken, plus various veg in fridge from other meals, but tasty. Both DD & I a bit unwell so chicken soup very welcome.

    Supper was a meal out so no cooking required.
    Food budget: £137.44 /250

    Be kind: giving it conscious thought now.

    One more time: Meal out so not diet friendly. Back on SW wagon tomorrow.

    Extra Income: done a couple of surveys, will be some time before I get any payout

    Christmas: still socking along for Christmas

    Exercise: Walking round shops only exercise..

    Heating: still off but have gas bottle to take off chill

    Grateful for: Lovely sunny day again, plus amazing amounts of butterflies & bees in the hot spot, took film on phone to remind me later on.

    Getting my railcard renewed 'for free' after consulting this site & using Tesco vouchers...needed £15 worth to get a £30 railcard - had £16 worth..happy days

    Spending very little money when out shopping, even DD commented 'why haven't you bought anything?' Erm because there was nothing I really needed tbh

    Booking a few days city break away with DD - she hasn't had a holiday at all since she started training in March, this is the first time she's had any leave at all. Used cashback site for hotel, looks lovely - & also got Nectar points. DH also on board as he booked the train tickets - using my new railcard - & also got Nectar points

    Mothernerd I really feel for you trying to do all that you do & also be asked to be star baker as well!! Maybe you can deflect to something that will be easier for you, I do hope so!!
    New start JAN15 - NOT BUYING IT 2015 . 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
    • mothernerd
    • By mothernerd 7th Oct 17, 1:09 AM
    • 2,438 Posts
    • 25,433 Thanks
    Day Seven inspiration
    Creativity is intelligence having fun. Albert Einstein
    This year I will be fierce
    NST Jun #1 SFD 8/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £15/£30 may buy clothes?
    No Debt No mortgage
    • Purplebonnie
    • By Purplebonnie 7th Oct 17, 5:52 AM
    • 89 Posts
    • 598 Thanks
    Organise October

    Organise/Declutter –
    Lunch – Avocado on toast
    Dinner – Curry from freezer

    Regular – spent zero

    Get Ready – moved plants to frost free zone

    SFD : 3/15

    Improvise : Use an old wall hanging as a curtain for the back door. It is on a pole, so just need two hooks.

    Stoptober : Aim to not even look at eBay today - achieved

    Exercise : Walk the dog for at least 20 mins per day. Also do back & neck exercises - Done

    One More Time : Stuck to SW plan (ish!)

    Christmas :
    Extra Income : private little job today £25

    Food Budget : £200 /£48.18
    SFD : 15 / 3
    Stoptober : No spending on eBay 31/5
    October Goal : Lose 8lbs /
    Extra Income : £100 /£56.06
    September 2017 Total Debt £37188.89 / DFD 01/05/22
    October 2017 Debt £36149.48 / DFD 01/04/22
    Extra Payments : 0.1% = £37.19 Total paid 0.3%
    MBNA - £5350.73

    October Food Budget : £200/£114.94 Extra Income £100 /£81.06
    SFD : 8/31 Weight Loss (Goal 8lbs) :
    • misstara
    • By misstara 7th Oct 17, 6:54 AM
    • 2,773 Posts
    • 19,645 Thanks
    For yesterday

    Organise - ys sausages, wedges and broccoli for tea last night. OH wasn't feeling too well and just had some tinned soup. I'll take his portion with me today as I'm working at 2nd job after my job.

    Budget - £51.73/£150 food, £15/£20 social
    £6.03 payment made to the debt

    NSDs - 5/20 yesterday today will be a spend day as I'll need to get bread and milk for me and milk for OH.

    Stoptober - no snacking

    Exercise - over 17,000 steps, ran home from work

    Christmas - really need to make a start on this

    Extra income - 8 hour overtime shift at my work plus a couple of surveys
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £726.18 (68.5% paid)
    Car debt Nov 2017 £797.68 Now £499.01 (37.4% paid) + monthly payments £146.82 6/60
    Emergency fund - £0/£1000. Car fund - £0/£1000.
    Mini Targets in June
    Exercise target - 3/16. Groceries target £93.68/£175. NSD target 7/20.
    • laurenh1
    • By laurenh1 7th Oct 17, 7:40 AM
    • 495 Posts
    • 5,212 Thanks
    Just checking in-

    NSD number 5!! hub is away until 24th so hoping to get most of these in and be under budget until he comes back.

    Back on my healthy eating toda. & goiNg to take the boys somewhere English heritage , they were dragged around town yday so I promised them a more fun day.

    Corned beef for tea which I will make too much of to save for another meal.

    Today I am greatful for a more chilled out day, that the estate I live on has so many things coming up (like halloween) that they really make an effort with for the kids, for the support I get from work & my family while hub is away (albeit emotional as they're miles away) and for my littlie going to bed like a good boy last night & seeming more like his usual lovely self after a few off weeks.

    Have a lovely weekend all xx
    • f0xh0les
    • By f0xh0les 7th Oct 17, 9:00 AM
    • 1,488 Posts
    • 12,360 Thanks
    Yesterday was odd. Not a NSD but everything that was on my proper list was out of stock, from the stuff at the supermarket (totally empty freezer shelf) to the Korean mini market down the road. I guess they are reaping the benefit of the students returning after a slower summer trade. Annoying for me though. I seemed to spend most of the afternoon leaving shops without buying anything at all. Did get a nice YS haul in Mr T's, ice pops and things for the kids. No nutritional value, but still a treat.

    Not sure about my coat hooks. Will go and look at some more today. I have bought a 2 meter length of pre-painted skirting for £6 that I want to put the hooks on (making 2 or 3 - not a massive 2m long school cloakroom thing) as the ones you can buy in the shops look really small, and I want something put up quite high, and longer than the ones in the shops . There are 6 of us! We have coats! and hats, and scarfs, and snoods, and gloves, and well, STUFF! and it does not need to be dumped on the floor in the hall - So there.

    Waiting in for mattress topper to be delivered. Well, someone will be waiting in for the mattress topper. Once DH gets up I am gone. Poof!!!

    It will not be a NSD but I have £55 left in the budget until Monday,
    I am ordering blinds online today. After I have done all the outside stuff that needs to be done.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999
    June 105,999.99
    NEXT GOAL is sub £105k before JulyMortgage-free wannabe 2018 #65
    • fruitloop04
    • By fruitloop04 7th Oct 17, 9:52 AM
    • 158 Posts
    • 469 Thanks
    Getting better at checking in although not much to report

    I have to rescind my alcohol free day from yesterday...My OH came from from work with beer! I only had one though which is a huge achievement for me on a Friday night, I usually have quite a bit. Going round a friends house tonight and planned takeaway (from personal spend) and some wine, be good to catch up!

    I am going to do a 'freezer audit' to see what HM meals are left then work out my shopping list from there and do a few top up meals to keep a good amount of HM food in the freezer. It is still pretty full to be honest but want a good mix of meals. I bought some Lidl sausages last week for my OH's breakfasts and he doesn't like them so put them in the freezer. Going to make a sausage and butter bean stew with them for his lunches, he will eat them!! I am following a specific diet so can't eat them!

    I weighed myself today and I am 5lbs lighter than 2 weeks a go Happy with this and it has spurred me on...just 2 stone to go!!
    16.08.2017 CC 1 - £2050 £1,500 CC 2 - £1766.82 £1406 Emergency savings: £1250/£6000
    Mortgage - April 2017 £153,000 £149,954
    Debt free by xmas: 1070.86/1500
    (Non Mortgage) Debt Free Date: August 2018
    • mothernerd
    • By mothernerd 7th Oct 17, 12:22 PM
    • 2,438 Posts
    • 25,433 Thanks
    foxholes don't know what ages yours are but when my boys were small I had two rows of coathooks (mine were on bits of spare wood left from other projects, then stained and varnished) - one at normal adult height and one lower down at the right height for the children. There were enough spare for their gym bags (one less thing to hunt for in the mornings) and scarves and mittens/ sun hats as appropriate). If it's staring them in the face they learn to hang them up (except for DS3 who's a serial sling it over the back of a couch - whole couch these days as he's very tall and has a fondness for for length coats).
    This year I will be fierce
    NST Jun #1 SFD 8/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £15/£30 may buy clothes?
    No Debt No mortgage
    • greent
    • By greent 7th Oct 17, 3:40 PM
    • 7,081 Posts
    • 72,156 Thanks
    Organise/ Cook from Scratch/ Use things up - Brunch today - had to get mushrooms & sausages. Dinner out tonight.

    Pay debts/ savings - £20 transferred to kitchen fund

    * Food - 43.42/ 325 (stretch 290)
    * Fuel 60/60
    * Clothes 0/75
    * Gifts 28/150 - ordered DS2's school pics - some will be for gifts so have apportioned cost
    * Toiletries 0/10
    * Social 0/200 (stretch 150) - will update this tomorrow after tonight's outing

    NSD - 5/12 Nope - tiny shop in A1di, ordered school pics DS2 and we are eating out tonight. Oh - and DS1 had long overdue visit to barber shop!

    Improvise -

    * Week 1 - 3/4 - oops

    Jan Goals - "By the end of the year I want to have halved the (non mtge) debt we have and have lost 20lbs - and also get fitter along the way"
    Debt at start of year more than halved.
    Weight/ fitness = Still need to weigh myself

    Extra income -50 y0ug0v points and small flebay sale (of an item I got free )

    Christmas - couple of the photos ordered will be included in presents

    Get Ready Checklist
    1 - Health - vitamins not yet taken today so still 5/31
    4 - Maintenance - need to contact plasterer & electrician by 10/10. (Have mentioned it to electrician's wife - mum at school - but need to do it properly) OH has messaged plumber we used for bathrooms before - fingers crossed he still has the same email.....
    Have messaged plasterer (03/10) - no reply as yet and I phoned plumber (03/10)- no longer trading so now need to find a plumber....

    * it's the weekend
    * looking forward to tonight
    * DD has messaged and is enjoying the start of Y2 at uni
    * washing mostly dry
    * my mum has taken smalls out for hours!

    ETA: Do Vet appointments (non routine) count as medical expenses and so NSDs can be retained or not...?
    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) £1068.37/£4000
    Net sales 2018 £522.39/£1000 PAYDOX18 (#15) £18564.38/£18918.90
    • Shelbi
    • By Shelbi 7th Oct 17, 4:41 PM
    • 715 Posts
    • 1,722 Thanks
    checking in 7/31
    Sorry guys I dint check in yesterday..
    So a breif of where I'm at:

    SFD: still on 3/16 going to try to add another one today
    Bring lunch to work- 4/22
    Stoptober- still not smoking- 4/31


    groceries- 150/62.38
    going out 50/20
    occassions- 28/1.32
    clothes £40/21.95
    petrol- £20

    paydebt: £7.16 sent to loan payment account

    Xmas: Nothing done yet will definitely make a plan of action for this tonight- need to do something.

    Thats all I've got so far...happy Saturday everyone x
    Save for xmas-£14/£365
    Emergency Fund- £3,000/£5,000£3,000 (revised amount)
    House Deposit- 0/£15,000.
    June'18- NSD- 10/20 Bring Lunch to work 8/20
    make-£5pd in June- £30.11/£155
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