No-Spend November - sign up for a frugal month ahead!

[PeoniesforMissAnnersley]

Everyone welcome, if you've been lurking then de-lurk and come and join in!

NSD - No spend day
LSD - low spend day

We are a friendly and supportive bunch, recording our spends, frugal wins and frugal fails daily/when we can. Lots of good tips on discount vouchers, household cleaning and maintenance, cheap meals and more!

Yum spotty!!! How about a table for your fellow credit crunchers??

missA nice to hear good news from you.

Travel and parking for work, and no spends on junk food or anything at lunch time. £37 on beavers subs, not sure how long it's for tbh, but I think that's a term, not too bad compared to some things.

Feeling poor today, just checked online banking and accounts have had a battering from Xmas shopping/Xmas food stocking up and we have a good way to go. Then I have to apply for my job in the first week of December as posts my level are being cut 13 down to 6

Passthecake that sounds stressful

You can come if you pay

I had an NSW (weekend) but DH Spent Loads on clothes for DDs, a bit on food out but we had Cheapo stuff in the food court so it was less than £20 for all of us.

Today I Spent £41 on groceries, 4 of that comes off DD1's pocket money for make-up.

£10 on a christmas gift and a stocking filler
£2.40 roads
£1.20 parking
And £12 on a congratulatory Starbucks for DD's achievement, mainly DD1, in an inter school contest last week.

Will catch up properly later. Need To Get dinner on as Spotty's menú has made me hungry, looks wonderful Spotty

Fantástico News MissA

Dramatic turn around - managed a cup of soup with no pain. Have been allowed a mini carton of chocolate vitamin infused soya milk to celebrate life is looking up still want spotty's wedding food

Yum, Spotty, your menu sounds devine!

Lol missA at your soya milk celebration! Enjoy!

That must have tasted amazing after everything MissA!

Good news miss A

Spendy day yesterday but it is my jobs day. Should get 150£ back as gave grandparents the kids pressies to wrap so that will help

NSD yesterday, and hoping for another today (only because I spent 12 hours at work yesterday and got lunch in a meeting, and expect to do the same today!). Need to order a Christmas tree though, so I might get that done today if I have a spare minute among the work mayhem.

MissA, so pleased things are looking up.

Spotty, your wedding menu looks amazing! I got married in ancient history, and my friends and I did all the catering. Even then the raw ingredients cost £300 for a wedding about the size of yours, so the bill sounds pretty reasonable to me.

Got my credit card bill and we get £150 cash back next month, which I'm quite excited about. Ideal timing. Effectively they're paying us to have it as we pay it off every month.

Yesterday £4 bus fare, that's it

I've had all. NSDs since coming into hospital but couldn't sleep and ended up trawling eBay for bargains, am bidding on quite a few items but hopefully will be outbid on some, it's all sensible stuff to replace clothes and shoes I Kondo-ed during my "does it bring me joy" clear out.

Spend day :(

Daughter needed ibroprofen, I had to dye my hair [left it as long as I could]
£20.00 in food bits and treat for kids, one has had a horrid time of it being ill, bless her.
So 2 winter fruit crumbles baking in the oven, 3 trays of scones also baking and later I am using the rest of the chicken roasted sunday to make chicken curry / chicken enchaladas for the freezer teas, to try re-coup a little.

VW Beetle fund stands at £74.00 bit depressing but I will get back on track, back at work tomorrow thank godness, can't spend there!!!

36 days to Christmas, EEEEK!

Miss A, hope things are brightening up for you :)

ibuprofen - enchiladas * sorry I am shattered.....

£50ish in tescos, I had a £7 off £50 voucher and 1litre spirits are £15 a bottle atm. As we're doing Xmas I had to replenish the drinks cupboard, though dp and I won't drink it....though some of the spirits have been in there for years (about 15?!)

Also £4 Xmas crackers, cheapie ones, even though premier ones have quality tatt....it all ends up in the bin doesn't it??

While watching the adverts this morning I got seduced by the barbie campervan advert.....I think want it slightly more than dd though lol, deprived childhood and all...it's £65, hopefully will be discounted somewhere??!

Put a few things on our fb site, if they don't go in a few weeks I'll charity shop them, making room for the surge of new stuff....

Nsd!! About bloody time. I got £55 from work to treat ourselves for a meal on our honeymoon which is lovely.

NSD.

My paypal dispute found in my favour, £6 refund.

I have been given a cheque in mr and mrs dp name and I'm not changing my name!

Oh Spotty that's a royal pain in the arse! I got the same. Even if you did change your name it's a fair amount of hassle changing your name at the bank and who's to say you have a joint account anyway?
If the cheque's simply made out to Mr and Mrs Whatever, could his parents cash it for you? That's what my sister had to do.
A NSD for me today! Also, used the coin star machine at tesco to change £160 of 1p, 2p, 5p and 10p from my piggy bank. I needed to use a trolley it was so heavy! Didn't bother changing the larger coins as there's a charge of 9%. Will either spend the big ones or swap them for notes at a shop or bank.

Can you still cash it though? I didn't know you could do joint cheques.

We wish dh had taken my surname, it's much better than Dh's. People laugh at my surname now .

Oh no fluffy I like my name so I'm not changing it.

It's got dp's first initial on it too!

It's like it's the 1930s again isn't it.

That happened to us, spotty, so annoying. The bank wouldn't cash it until we opened a JA in those names.

I'm going to cross out mrs and initial it if that doesn't wot I'll have to give it back.

Dp's customer has given him some money and he doesn't want to accept it I do

ohh, spotty - that's annoying, but interestingly I recently cashed a cheque that was written to my married name. my own bank account is my maiden name (which I still use 80% of the time particularly at work), and we have a joint account which has both our names but mine still in maiden form, so it says Mr HisFirstName HisLastName & Dr MyFirstName MyLastName.

The cheque was written as MyFirstName HisLastName

I chanced it, and they cashed it!