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  • FIRST POST
    • thriftylass
    • By thriftylass 27th Sep 18, 11:03 AM
    • 3,412Posts
    • 28,164Thanks
    thriftylass
    NST Penny Pinching GoSober Stoptober
    • #1
    • 27th Sep 18, 11:03 AM
    NST Penny Pinching GoSober Stoptober 27th Sep 18 at 11:03 AM
    NST Penny Pinching GoSober Stoptober Gobstopper

    The cosy autumnal season has begun. The blankets and slippers have come out as well as the comforting cups of hot tea at night. But one thing will stay in the cupboard or even better the shops for me and DH – alcohol and cigarettes. I have made a fair few positive changes these last few months (going to the gym regularly again, eating healthy, found that intermittent fasting does me good, taking more me time etc) but those two vices still persist.

    Hence, my husband and I decided to do Stoptober (stop smoking) and GoSober October (obvious).

    So, there is a challenge for all of you. We unfortunately have rather nasty vices to get rid of but is there anything you could change to the positive or give up for October? Are you eating too much sugar, drinking too much pop, spending too much money in the haberdashery section or using the tumble dryer every day? Pick sth that either effects your health, finances or mental wellbeing. I’m sure most people can find one little thing. It takes at least 21 days to change a habit or form a new one, let’s tick one off in October. Don’t wait till Monday, next week, after half term, the new year. Start NOW.

    Otherwise the usual turtle way applies: 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.

    I have to admit I pinched some of following guidelines from a previous post as they were spot on.

    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 1st October. 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? Have you planned ahead for half term (if appropriate)? Most importantly, Pay To Your Debt Or savings First, Live off What Is Left.

    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 activities 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.

    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.

    Christmas I know it’s a bit early to mention the C-word as Halloween hasn’t even passed yet (not that the shops mind). I started a gift list and started buying little things on the way to spread the cost and I know a few of you do this over the course of the year. I fyou don’t start now. Even if you don’t buy anything yet start planning to avoid the last minute dash.
    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. Encourage them to have a toy clear out and pass on any that are no longer wanted to younger family members 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 .

    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 or Extra time for the time poor Overtime, surveys, second jobs, craftsales at Christmas fairs (Bunny tales - and tails - always welcome). Or, get up earlier to have time to organise your day before the rest of the house hold gets in the way. Find time wasting activities, replace them with more efficient one, learn to say NO.

    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 AND DON’T WAIT DO IT NOW.

    THE Challenge will run from 00.00 on 1st October until 00.00 on 31st October.
    Last edited by thriftylass; 01-10-2018 at 3:45 PM.
Page 15
    • Kerry Woman
    • By Kerry Woman 13th Oct 18, 5:33 PM
    • 2,499 Posts
    • 24,390 Thanks
    Kerry Woman
    clc - Congratulations on your weight loss.
    Dolly - Sorry you are unwell. Sending you hugs.
    Challenge – Do more self-care. Still doing my 365 days of self care journal and 365 tiny love challenges.
    Organise. This I must to. Used what I had in. Still on track with using things already in. Used up 4 toiletries.
    No Spend Days 11/20 Was an NSD.
    Exercise Walked to/from station through park and also did the charity walk.
    Christmas This is already sorted. Have put money into a savings account each month for the year. Immediate family all get money. Christmas will be a difficult time for me so I will concentrate on self-care. Will decide after 2nd December - my Mum's first anniversary of her death.
    Banned - Brought my own refreshments with me whilst out.
    Extra Income Did a survey.
    Report - Reporting in.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST Penny Pinching GoSober Stoptober NSD 18/20
    • apple muncher
    • By apple muncher 13th Oct 18, 5:53 PM
    • 7,815 Posts
    • 58,999 Thanks
    apple muncher
    Chocolatelover - well done on paying the cc first - that was always one of nsk's big 'must-do' things.

    Coxy - 5 loads of washing line dried in October is rather awesome!

    Kerry woman - I'm impressed with the 365 days of self-care that you are doing. I'm not v gd at the longer-term stuff.

    F0xh0les - hope you enjoy your last free few hours.

    Today I am grateful for dd's ankle being ok (drama llama!), for a quick visit to the posh sch up the road for paperwork, for the car parking people up there letting me park in a prohibited space as we were only going to be there a short while, for dd chilling out and enjoying her day, for seeing dss again as he stayed over, for leftovers to go with my big a$$ salad for lunch, for line drying a load (just the one ), for the rugby + poirot on the telly, for realising that the countdown to WSM must start soonish...
    NST October Gobstopper #7; NSD 10/18; Ex /21 ; craft 31 (144); remove 6 (653)
    2018 Pay off: £4266; 2
    018 sell £49.10; WLOSW 3/10

    Mortgage £18,885 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Kerry Woman
    • By Kerry Woman 13th Oct 18, 7:05 PM
    • 2,499 Posts
    • 24,390 Thanks
    Kerry Woman
    apple muncher - I just started the 365 days of self care journal this month. Going to see how it goes.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST Penny Pinching GoSober Stoptober NSD 18/20
    • greent
    • By greent 13th Oct 18, 8:25 PM
    • 7,435 Posts
    • 75,394 Thanks
    greent
    Day 13
    A challenge for you - anything you could change to the positive or give up for October? My plan is to re-start bodycoach during Oct, before then I plan on cutting down to one sweet treat/ day maximum - Better but not brilliant

    Organise. . I'm taking the opportunity to use up those things which have been lurking in the freezer/ cupboard and are now exposed! Yep - still going well.

    Regular budget .Running totals Spends: Groceries £124.61 + small Tesc0 today. Clothing £47.

    No Spend Days. Still 3. Bought a couple of items in A1di specials yesterday for Xmas presents. Spent a small amount in Tesc0 today

    Improvise. - .

    Exercise Four times a week at least Also rubbish

    Christmas Will plan this out this month
    Have got everything out, sorted and listed. . Going ok.

    Banned Takeaways, coffee shops, chippys, etc. - have social budget. Will include a meal out for OH's bday. Running total £75.55 ETA - OH's bday - meal out added on

    Extra Income Small fb00k sale today. Running total £55.98

    Report in, here
    Last edited by greent; 14-10-2018 at 2:41 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) £6484.71/£7500
    Net sales 2018 £713.44/£1000 PAYDOX18 (#15) Done £18918.90
    • Saving Glut
    • By Saving Glut 13th Oct 18, 8:56 PM
    • 60 Posts
    • 297 Thanks
    Saving Glut
    Challenge: I aim to lose 3lbs this month. It will be good to be accountable here! Lost 1lb this week!

    Organise: Will take stock take of food in cupboards, fridge and freezer. This should help with my MFW challenge too. No progress yet. Took stock of cosmetics, negating the need to purchase new, pricey, face powder and blusher. Win!

    Budget Items: I do know my expenditure for October, but do need to figure out those regular annual costs and fees which like to surprise me every year! No progress yet.

    No Spend Days: 8/15

    Improvise: Located coat buttons which I hope to sew on this week.

    Exercise: Aim to complete 5 cycling sportives in October, four of which must be free (won two in a competition) and one of which must be self-guided and in a new location. Have completed one - four to go! Took two pooches out for a walk in the woods. We spoked a baby deer and quite a few pheasant!

    Don't Be A Martyr For Christmas: ]Researched options for Mum’s gift. Also learned today that contractors will get both Xmas Eve and New Years off work and paid. Sooo happy about this!

    Extra Income: Advertised two items for sale on FB. Total sales for Oct: £70.15.
    Last edited by Saving Glut; 13-10-2018 at 9:20 PM.
    IO BTL1 Mortgage was £97,963 on 09/08/18 and was £94,108.85 on 20/10/18.
    • Shrewbie
    • By Shrewbie 13th Oct 18, 8:58 PM
    • 75 Posts
    • 708 Thanks
    Shrewbie
    NSD 9/15 today! Still doing well on the freeze. Will have to break it tomorrow though when I do a food shop. Not so good on drinking, but only had 2 glasses of wine today. Have been feeling very strange and disillusioned with life this week. I had expected to feel a lot better for not drinking and it hasn't made as much difference as I thought it would. However I am so grateful for lovely people making me feel better. Hugs to everyone.
    CC £0/£2577 OD £0/£385
    Savings £0/£7,000

    NST Penny Pinching GoSober Stoptober NSD 14/15
    • WelshKitty85
    • By WelshKitty85 13th Oct 18, 9:38 PM
    • 847 Posts
    • 6,943 Thanks
    WelshKitty85
    Sorry I've been rubbish at posting. I've lost track a bit of where I'm upto, but I think I have 7 NSDs in the bag now. Unfortunately, i did give in to a takeaway a few nights ago. After a full day at work, playing Mum's taxi, housework, cleaning up baby sick etc I lost it when DH (who was on a day off) asked me what i was cooking for tea and refused to cook.
    Enough is enough...
    £29,603 (22/7/18) £22,906
    • sashanut
    • By sashanut 13th Oct 18, 11:52 PM
    • 2,960 Posts
    • 27,469 Thanks
    sashanut
    no 3 checking in
    Hi all


    Challenge: Oops forgot this one yesterday! Don't smoke & rarely drink either, so it has to be giving up unhealthy snacks..Snacks haven't been too bad but did have a slice of chocolate swiss roll & 3 mini toblerones…..

    No Spend Challenge: Do like the sound of this but do my shopping on Tuesday, I could prep by shopping at the weekend but hate going then & never do if humanly possible to avoid....hmm will have to ponder. Will make an exception for Tuesday & try for a 6 day week.. Spending freeze today.

    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. Lunch from stores & HM Nandos for supper - no purchases nec as all from stores.


    Regular budget items should be set by 1st October. 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? No purchases today.

    No Spend Days. Aim for 20 (high target) or 15 (low). Am aiming for 15 but hoping for more. Now 9/15.


    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. Mended toilet roll dispenser today, it fell off the wall so often it enraged everyone. Found it fastened with a little screw which needed tightening, found correct fitting, hopefully now fixed. Also had to fix side fence again as so windy. Need to get it properly fixed but effected a temp repair.

    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. Outside with the pooches trying to help DH rope up the fence so they don't escape into next doors garden...also picked the apples that had been blown off in the wind, plus the remaining ones picked. It's an ill wind that blows nobody any good as they say & the wind blew the collies rugby ball off the sunroom roof so he has it back to play with. He's delighted, as am I as I didn't really want to get on the roof to retrieve it.


    Christmas Asked aunt & uncles re coming over for our Christmas party etc, gave them a couple of dates when DD has rest days. No decision as yet though.


    Banned Will only be chippys normally with the odd takeaway planned for a celebration etc. No takeaways today.

    Extra Income and Extra time Better day today & seemed to get quite a bit done. No extra cash though..

    Report in, daily if possible I'm here..


    Go turtles !!
    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
    • apple muncher
    • By apple muncher 14th Oct 18, 8:46 AM
    • 7,815 Posts
    • 58,999 Thanks
    apple muncher
    For he time poor among us, this may help. Though you need to find the time to listen to it first! (Am posting from my tablet, and can't copy and paste, so I hope I typed it right...)

    https://www.earlytorise.com/074-the-perfect-week-formula
    NST October Gobstopper #7; NSD 10/18; Ex /21 ; craft 31 (144); remove 6 (653)
    2018 Pay off: £4266; 2
    018 sell £49.10; WLOSW 3/10

    Mortgage £18,885 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • dolly84
    • By dolly84 14th Oct 18, 8:50 AM
    • 4,032 Posts
    • 37,227 Thanks
    dolly84
    I took a pair of DD's school trousers back to M&S yesterday, they still had the tags on but I had no receipt so they gave me the money on a till receipt and I think I will use it towards a present I have my eye on for DS, I just need to get to a bigger store.


    Whilst we were in town doing that I spent £1.94 in Sainsburys but that was it. Had to pay £8 to a friend for my Avon order though. Debenhams have 15% off beauty at the moment so I ordered two items for DD for either Christmas or her birthday, I was waiting till they had 10% off so the extra 5 was a bonus.


    Raining here today but not too badly so I may go out on the bike.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • mothernerd
    • By mothernerd 14th Oct 18, 10:09 AM
    • 2,533 Posts
    • 26,464 Thanks
    mothernerd
    Thanks for that, apple, I think - just ran away screaming (in my head). You are welcome to WSM, leave me the weird nerdy intellectuals.


    Yesterday was strange, very. My head is a bit clearer but I am very tired - constantly dropping off, sometimes for the blink of an eye, other times for hours, accompanied by extremely weird dreams (probably the result of having diet coke/ choc biscuits after several days cold turkey).


    In between I managed to be reasonably productive - scooped the loose stuff from the floor. Can manage a couple of minutes before I head cannon into the floor (I don't, I stand up, hold onto whatever is convenient and get back on the bed asap). Loose stuff is what was trapped under the far recesses of the bed, under of behind the quilt so
    1 it's the stuff I haven't seen recently
    2 most likely to be either

    rubbish (bn/recycle straight away)
    something I've been searching for


    So important stuff found and pile reduces quickly as so much can ne discarded.



    Decided that I got off very lightly last year and 'normality' is back this year ie it's October and from now until some time in February? March me and my compromised immune system are going to get floored by every minor bug going. Slightly negative but

    1 I can make plans presuming this is where we are at - order food delivery etc
    2 If I'm wrong, I can do so much more
    3 Keep reminding myself that this is better than ending up in hospital for a month at a time (doctor's alternative scenario)


    So floor is clearing rapidly. Also made arrangements to get rid of some of the craft stash - girl who was DS1's Best Man runs a craft group for young mothers to help them socialise/ cope with depression and isolation. We have a lot of bits that are far too small for our members to cope with (I've been trying to turn them into card toppers etc but the pesky little blighters get everywhere if they escape - the lego of the craft world). Her OH is coming to drop stuff off at DS1's on the 26th so will call here and save me the postage to Glasgow/ Greenock. This means I can include bigger stuff plus ideas of things we have done/ made - sharing ideas with another no money group.


    Urgent tasks
    1 Found mum's tax return stuff

    2 Phone is on the blink - no service message is most common but refusing to turn on/ off. Needs replacing/ repair (possibly both so I have a backup?) but need to be able to stand/ persuade DS1/ Beloved to go with me.
    3 Washing machine stopped working (lights went out). Need to find receipt so they will come and fix it (sure it's minor fault)


    Thankfully mum told me not to go tomorrow, if I'm not well. Baby bro moved away from me when he visited - catching a cold might kill him. So good to know that even in this state I am still the most able member of my family and the one everyone relies upon. I can do the tax return and crack on with my room.


    My ambition for today is to get to the bins 3 times (20 feet each way up the garden path). I have thrown/ taken a lot of recyling/ rubbish downstairs and dealing with it will vastly improve the kitchen (may be more than 3 trips worth but that' s my target, more is a bonus).


    Need to check on food stores - bacon and corned beef in the fridge and a ready made curry but not sure if the bacon and curry are still okay. Some stuff still in the freezer (remembered to get wraps out). Stiill
    have tuna and baked beans. Need to get downstairs soon as I am running out of water.
    This year I will be fierce
    NST Oct #23 SFD 8/15 Food £157.92/£200 Travel £1.80/£15 Ent/diy £0/£15 Ext DS3 clothes
    No Debt No mortgage
    • f0xh0les
    • By f0xh0les 14th Oct 18, 10:40 AM
    • 1,808 Posts
    • 15,403 Thanks
    f0xh0les
    Today I must shop. Absolutely must, so apart from the one day I was betrayed by a M4gum offer too good to pass on, I managed to go Sunday - today.
    Good things in the Tesc0 free magazine is also a voucher for a free 6 pack of baked crisps. - It is around p 56, so easy to miss.

    House much cleaner and tidier. Chillin' on't sofa, then going shopping for FOOD!
    Half term has arrived, as has the rain.

    Spend freeze has meant I have finished the week with an extra £80 still in the budget.

    Thank you for your good wishes.
    My plan of attack is the same as I used when my kids were toddlers and I needed them to behave - watch for the signs and distract with a biscuit
    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 105,999.99July 105,300.00
    Aug £103,999.99
    Sep £102,999.99 October 101,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • greent
    • By greent 14th Oct 18, 1:15 PM
    • 7,435 Posts
    • 75,394 Thanks
    greent
    F0xholes - wishing you all the very best to survive the week!
    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) £6484.71/£7500
    Net sales 2018 £713.44/£1000 PAYDOX18 (#15) Done £18918.90
    • chocolatelover93
    • By chocolatelover93 14th Oct 18, 2:54 PM
    • 747 Posts
    • 3,938 Thanks
    chocolatelover93
    Hello everyone!

    Sending hugs to those that need them.

    I have got yet another cold and this cough doesn't seem to be shifting!! Hoping it goes soon as it's not as bad as it was, just seem to have a lot of catarrh so not sure if there is anything I can take to get rid of it. I know putting your face over a bowl with boiling water is meant to help so might give that a go.

    Bit of a random one, does any one on here grow their own fruit and veg? And when is the best time to plant or is there a table somewhere I can look. I want to start growing my own 1. to save money and waste and 2. so I can teach my little boy about growing food and where his food comes from

    Proud of my self, stopped myself going into OD last night. Fancied a takeaway but went home and made fish, chips and mushy peas instead!!

    Challenge - Going out for a meal tonight with work friends so that will not be healthy!!
    Organise - Didn't make my lunch didn't really know what to have and was being lazy tbh.
    No Spend Days - Meal tonight but from budget.
    Improvise. Make do and mend with a creative twist - None today.
    Exercise Four times a week at least - Working so not had a chance.
    Christmas - None today
    Banned Takeaways, coffee shops, chippys, pie shops, vending machines, sandwich bars etc. - Won't be today
    Extra Income or Extra time for the time poor - None today.
    Report in - Hello!

    C xx
    Debts:
    £420/£3326.55 Credit Card 0%
    £23.72/£260.92 Sofa 0%
    Oct Lunches 4/8 NSD 4/15
    • Shrewbie
    • By Shrewbie 14th Oct 18, 4:06 PM
    • 75 Posts
    • 708 Thanks
    Shrewbie
    NSD 10/15 today. Pretty unexpected but i've been staying with my bf as his housemate is away and he bought the shopping. Starting to feel a little like I am sponging but I am keeping notes and will definitely pay him back and treat him once payday comes.
    No drinks today.
    My challenge for next week is working on my spanish. Also going to attempt to cut as much sugar out of my diet as possible between Mon-Thur, do some exercise and meditate which I hope will help my mood. Lots to do
    CC £0/£2577 OD £0/£385
    Savings £0/£7,000

    NST Penny Pinching GoSober Stoptober NSD 14/15
    • Kerry Woman
    • By Kerry Woman 14th Oct 18, 6:41 PM
    • 2,499 Posts
    • 24,390 Thanks
    Kerry Woman
    Hugs for those in need of them.
    Challenge – Do more self-care. Still doing my 365 days of self care journal and 365 tiny love challenges.
    Organise. This I must to. Used what I had in.
    No Spend Days 12/20 Was an NSD.
    Exercise Did walking throughout today getting to and around the event I volunteered for in London. At least it stopped raining whilst cheering the runners for over 2 hours. Rained at the end of volunteering. Did not mind as it was for a homeless charity I was volunteering for. We cheered all runners regardless of whom they were running for.
    Christmas This is already sorted. Have put money into a savings account each month for the year. Immediate family all get money. Christmas will be a difficult time for me so I will concentrate on self-care. Will decide after 2nd December - my Mum's first anniversary of her death.
    Banned - Brought my own refreshments with me whilst out.
    Extra Income No surveys done today.
    Report - Reporting in.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST Penny Pinching GoSober Stoptober NSD 18/20
    • apple muncher
    • By apple muncher 14th Oct 18, 7:28 PM
    • 7,815 Posts
    • 58,999 Thanks
    apple muncher
    Today I am grateful for keeping dry, for lovely people who asked if I was better (from my food poisoning 2 weeks ago - they remembered), for being able to give some things to a friend who needs them for her kiddies, for sewing and stuffing bunny limbs ('not more bunnies' said dh...), for leftovers for both lunch and tea, for having a mini brainwave about an issue that kept me awake last night, for swallowing a frog.
    NST October Gobstopper #7; NSD 10/18; Ex /21 ; craft 31 (144); remove 6 (653)
    2018 Pay off: £4266; 2
    018 sell £49.10; WLOSW 3/10

    Mortgage £18,885 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Saving Glut
    • By Saving Glut 14th Oct 18, 7:48 PM
    • 60 Posts
    • 297 Thanks
    Saving Glut
    Challenge: I aim to lose 3lbs this month. It will be good to be accountable here! Lost 1lb so far. Cream cheese. That is all.

    Organise: Will take stock take of food in cupboards, fridge and freezer. This should help with my MFW challenge too. I peeked in the freezer and fridge freezer. Cooked vegetation lasagne for dinner from freezer tonight and tomorrow’s lunch. Tomorrow’s breakfast is also defrosting as I type! Baby steps!

    Budget Items: I do know my expenditure for October, but do need to figure out those regular annual costs and fees which like to surprise me every year! No progress yet.

    No Spend Days: 9/15

    Improvise: Located coat buttons which I hope to sew on this week.

    Exercise: Aim to complete 5 cycling sportives in October, four of which must be free (won two in a competition) and one of which must be self-guided and in a new location. Have completed one - four to go! Took two pooches out for a walk nearby. Plus on my feet for 6.5 hours - paced up and down to build up my steps.

    Don't Be A Martyr For Christmas: Researched options for Mum’s gift. Also learned today that contractors will get both Xmas Eve and New Years off work and paid. Sooo happy about this!

    Extra Income: Total sales for Oct: £70.10. OH was away today, so used spare time to work at cycling sportive. Nobody got lost on my shift! I think net income will be about £85 which will be deposited into a mortgage account. Completed a YouGov survey during a quiet moment in marshalling.
    Last edited by Saving Glut; 14-10-2018 at 8:00 PM.
    IO BTL1 Mortgage was £97,963 on 09/08/18 and was £94,108.85 on 20/10/18.
    • DawnW
    • By DawnW 14th Oct 18, 9:24 PM
    • 5,269 Posts
    • 41,696 Thanks
    DawnW

    Bit of a random one, does any one on here grow their own fruit and veg? And when is the best time to plant or is there a table somewhere I can look. I want to start growing my own 1. to save money and waste and 2. so I can teach my little boy about growing food and where his food comes from
    Originally posted by chocolatelover93
    Most things you start in the Spring - though if you want to plant fruit trees or bushes, you can buy and plant those now Or shallots, garlic and certain varieties of broad beans can go in now. What do you want to grow? If you suggest what you would like, I can let you know when to sow / plant it. Are you intending to plant direct in the garden soil, or in pots / containers?

    If you want some quick results with a little one that will work now, get a packet of cress seeds and sow on wet cotton wool. Every child I have ever met loves to grow cress on wet cotton wool inside eggshells (after you have eaten the eggs, obvs). If they carefully draw a face on the shell, when the cress sprouts it looks like the 'hair'. But you can grow it on any waterproof surface, a plate or supermarket packaging, just needs to be watertight as the cotton wool must be kept damp.

    • lcc86
    • By lcc86 14th Oct 18, 9:30 PM
    • 1,075 Posts
    • 3,828 Thanks
    lcc86
    apple muncher I have two house rabbits so whenever you mention stuffing rabbits I always think you're referring to real ones

    NSD here, up to 9 for the month now. Spent the rest of yesterday cleaning and tidying after the gym. I only have to go twice a month to make it worthwhile financially and have already been twice in my first week of membership so fingers crossed I carry on in this vein. Also had an unscheduled trip to the vet but luckily only something minor so can be paid for from the pet fund rather than the emergency fund. Also managed some studying and then vegetated for the rest of the day.

    Today I was volunteering all day. Got soaked and spent the morning trying to clean wet horses (impossible!), then went out riding myself. Although the weather was rubbish it was a great ride as we had pretty much the whole Downs to ourselves so I could have a bit of a blast

    Knackered now, have had a bath, done my various stretches and physio exercises and am already tucked up in bed.
    Last edited by lcc86; 14-10-2018 at 9:33 PM.
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    £725/£1000 EF £329 saved for household jobs
    Debt free and in the black for the first time in 11 years
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