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Thread: November money challenge!

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    November money challenge!

    Another pay month for me and seem to have the urge to splurge so hoping for some motivation to stay on budget especially with Christmas another month nearer!

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    My payslip has come today for my first pay from my new 2nd job, it's not much as its only 2 hours a week but it will help!

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    Happy Holidays's Avatar
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    Start Weight: 9st11lb
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    Goal Date: achieved 6th May 2010


    BMI Information:
    Start BMI: 25.1
    Current BMI: 22.1
    Goal BMI: 22.1


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    % Lost 11.68%
    Yay I've got to go with another challenge, as I always say, these challenges make me question my purchases, other that a few more Christmas pressies I've nothing to buy, except the usual food, petrol etc.

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    Goal Date: Dec' 2014


    BMI Information:
    Start BMI: 37.3
    Current BMI: 36.7
    Goal BMI: 23.2


    Statistics:
    Total Weight Loss: 0st3lb
    Weight to Lose: 4st13lb
    % Lost 1.57%
    Am definitely up for his one. November is the first month of having no credit to fall back on! Paid everything off and cut cards up which I feel great about but it's a little scary that there is what there is and nothing more, but will be better in December if I can make it through lol
    *Emsie* and sparty like this.
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    Current BMI: 22.1
    Goal BMI: 22.1


    Statistics:
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    % Lost 11.68%
    What a lovely feeling not having any credit cards x

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    Current BMI: 36.7
    Goal BMI: 23.2


    Statistics:
    Total Weight Loss: 0st3lb
    Weight to Lose: 4st13lb
    % Lost 1.57%

    November money challenge!

    It feels wonderful and very rewarding after the last few months, but it's the first time in years there hasn't been a safety net (that mostly got wasted actually) but we have paid all bills and done shopping and have £150 left so I should be able to get through it x
    *Emsie* likes this.
    There is a lot to think about, but nothing to worry about

    First mini goal - Get into the 12's -
    Second mini goal - Get into the 11's -





  7. #7
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    Great news about the credit cards well done!


    I've been spending too much from November's money and its only the 1st! So am going to have to be very careful for the rest of month!

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    BMI Information:
    Start BMI: 25.3
    Current BMI: 24.4
    Goal BMI: 21.8


    Statistics:
    Total Weight Loss: 0st5lb
    Weight to Lose: 1st0.5lb
    % Lost 3.61%
    We managed to save 300 in Oct. So very please with that. Nov may be a tough month though as we will start buying Xmas pressies etc and hubby has got his eye on us booking a holiday for next year too xxx

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    sparty likes this.
    The Diary Of A Little Slimming Hippo Called Stacey
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    "No other cupboards have lights that come on when you open them, so why does the fridge? It just encourages greedy people to eat at night" lol! Quote by Karl Pilkington

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    Current BMI: 22.1
    Goal BMI: 22.1


    Statistics:
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    % Lost 11.68%
    Yay that's brill, where you going on holiday?

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    Statistics:
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    I've started using cash only week by week, as I tend to be naturally 'tighter' with that than I am when using my bank card (not credit card - thankfully I got myself out of that mess some years back). I work out how much I have for the month after bills, split it over the month, and every Friday get out the cash for that week. I have a money tin that I keep it in, and only take with me what I can spend that day plus my emergency tenner if I'm going anywhere on my bike that might require a taxi home if I have an accident or my bike gets stolen. It seems to have worked okay over the last few months as haven't gone over my overdraft limit, or run out of money and had to borrow of my other half.
    Happy Holidays, *Emsie* and sparty like this.
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    Statistics:
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    That's a great idea Hun.
    I've been keeping cash on me lately too to last me the week and I think when u can actually see what you've got and what you've physically spent it really helps xxx

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    "No other cupboards have lights that come on when you open them, so why does the fridge? It just encourages greedy people to eat at night" lol! Quote by Karl Pilkington

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    And that last 20 note for the week invariable lasts a whole lot longer than the first one because I want to keep it for 'just in case...' . I have so many no-spend days now!!
    The problem with people who have no vices is that generally you can be pretty sure they're going to have some pretty annoying virtues. (Elizabeth Taylor)

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  13. #13
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    well i tried to sub to this on my phone but it didnt work!

    I am still here and still stuggling along. I also cut up one of my credit cards this month - but it isn't paid off so i cant claim any praise for it. Still, there wont be any more going on it and I can just pay it off bit by bit until it is gone! I will be moving it so that it stays interest free until it is paid off. Really well done to Pixie - that is an amazing achievement that i aspire to!

    This month seems to be awful already but on the plus side i have cut down my xmas list and already bought some presents so not much left to buy! I am having to use my other cc a little which i didnt want to do - but bf needs emergency dental work and it just needs to be done.

    Another bump in the road was that my overtime didnt come through with my wages like it was supposed it (about 600 worth so it would have been a massive help!) But I cant do anything about it so it is coming at the end of November - at least that will take care of some bills and what is left of my xmas shopping.

    I have started my emergency fund but at the moment it only has 30 in it. Not much but i suppose it is something *sigh*

    I have also agreed to work a few days in my friends dad's butchers so that will be about 60 per day and I have 3 days booked in so far. They also want me to do some more so on Saturday I will be taking my diary and filling it up with as many shifts as I can fit in!

    I am meant to be going away next saturday for the weekend -the hotel is paid for but my friend dropped out and told me to take someone else. It is a hard decision but I think I am going to just take the loss of 30 (as it is non-refundable) and not go. If i go it will be money for petrol, food, drinks and xmas shopping. Now that my overtime didn't come through I think its better to take the hit and not go to at least save some money. (I can work in the butchers and make some money instead)

    Anyone else finding it really hard to stay positive about paying bills off etc?! I am struggling to keep myself in the mindset of 'it takes years to get into debt and years to get out of it!' That lottery win needs to come soon (not that I have the money to spend on the lottery!!!)
    Sparty


    My diary

  14. #14
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    Happy Holidays's Avatar
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    Diet: Slimming World
    Height: 5ft2in
    Start Date: February 2009
    Start Weight: 9st11lb
    Current Weight: 8st9lb
    Goal Weight: 8st9lb
    Goal Date: achieved 6th May 2010


    BMI Information:
    Start BMI: 25.1
    Current BMI: 22.1
    Goal BMI: 22.1


    Statistics:
    Total Weight Loss: 1st2lb
    % Lost 11.68%
    I think your post is very positive Sparty, you've done a lot to work on looking after your money, you've got extra work, cut up a cc, not going away at the weekend, all positives.

    I did go overdrawn last month but also had a lot to pay out for, not too sure how this month will pan out though, I've got a few more Christmas pressies to buy & then that will be my spending done. We go on holiday in 3wks so I'll soon start to eat 'what we have in' & not buy fresh stuff which may not get eaten, so that will save a few pennies.

  15. #15
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    BMI Information:
    Start BMI: 26.4
    Current BMI: 25.2
    Goal BMI: 23.6


    Statistics:
    Total Weight Loss: 0st6.5lb
    Weight to Lose: 0st8.5lb
    % Lost 4.64%
    Thanks happy. I guess I don't look at it from the perspective that I have done positive things to try and help but in the mountain I still have left to climb!

    You are right though - I am trying to be as good as possible and can only do so much. I shouldn't be too hard on myself since I'm supporting both of us at the moment. (Bf is self employed and has no work at the moment but hopefully will pick up soon)

    I dream of the days I am not in my overdraft at the end of the month lol. Can't remember the last time that happened! But imagine how good it will feel when I do!
    Sparty


    My diary

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