February No Spend....28 days

[ivykaty44]

Here for 28 NSD and counting how much is left at the end of the month

I'm sort of relieved I'm working over half term - won't be trying to find things to do with a bored 6 year old (that will be the childminders job ) I find it so much easier to have no spend days when I'm at work!

I’m in.

Just posted on the old thread forgetting there was a Feb one. My DS is 6. I work in a school so am off work with him. I'm actually less worried about the costs of entertaining him - he's happy with Lego and Netflix- but more concerned that I have the opportunity to go shopping. I am usually at work from 7.45am until 6.30pm which limits my spending opportunities but know I spend without thinking during the holidays. Think I will take out cash for the week and all the non-essentials will have to come from that.

I'm in!

I spent a bit today. I've bought myself an iced coffee from tesco and DD a cream cake. I feel like crap and she's got cold. Bah, nevermind.

The main reason that I'm being frugal this month (and next too) is that I'm going to sell a house that I've been renting out. The tenants have now moved out and tomorrow it will be valued.

I feel like things are moving now. In the short term I have lost the rental income - although what with management fees, insurance, things like gas checks that have to be done, tax on the income, paying for repairs, paying the costs of looking for a new tenant and the month or two between tenants each time, I probably won't lose that much.

In the longer term I will have massively simplified my life and my finances, and will have a large pot of money to invest/spend as I decide.

It will be worth these few months of belt tightening!!

Oh, and another NSD here!!

At home today, so have been doing laundry, made a big pot of chilli and am now catching up on i-player.

I’m in.
Feeling quite pleased with myself. I was £500 overdrawn in December. I have managed to reign it in and am only £50 overdrawn this month.
I’m attributing this to doing a weekly shop in Aldi whilst my son is at football training rather than popping into Waitrose a few times a week and spending money on nothing!

Ok so penny pinch and a punch for the first of the month..

Today is a NSD in the planning

Chicken do you have to pay council tax on empty properties where you are? It’s what would put me off rental property all the utilities between tenant

Feeling motivated by the fresh start and new month. Should be a NSD. Also doing Sugar Free February so aiming to finish February with money to spare and feeling healthier!

Ridiculously large self-assessment tax
Bill now paid, deposit down on new rental, mortgage instalment (hopefully last one for this house) paid.

Only the 2nd day of month and already overdrawn by £250

This month needs to be the most frugal this family has ever known!

ivy

Yes, the rules have recently changed about council tax- landlords used to have 6 months with no council tax charge between tenancies, but no longer.

Luckily it's Band A in a cheap part of the country so won't be very much. Yet another reason to sell!!

You can do it Flea!

I'm new to these threads. Does everyone share tips or is it just NSD, how you did and tips from other threads? I am super excited about this but don't want to derail.

Today will be a NSD. Pay went in. I moved rent over, going to draw out weekly travel and hoard the rest like a dragon on a pile of gold. I'm usually planning what I can spend, but not what I can save.

I'm in!

Have dinner out tonight with friends though so won't be an NSD.

I won't buy a flat white today even though I really want one

Penny pinch and a punch and I'm smashing out my first February NSD! Yey! Let's go gang...

I think sharing tips is good milton

Twingle I have flat whites from Aldi or sainsbury at hand in a box - I have travel mug and make myself coffee at lunch and have this instead. That way it’s £2 per box and goes in the essentials shopping spend 😂

ivykaty - good idea, I'll look out for them!

I like the name Twingle! Might namechange

NSD here so far. Though it is a struggle as am having a pretty stressful day at work and feel like a hot chocolate would make it so much better!

Sorry - I really should read peoples names 😅 I inadvertently changed rainboho... from something else

NSD here

Got essential food for supper tonight as very low on food and don’t want to shop till the weekend - veggie cottage pie tomorrow to use up some lentils so just need carrot and onion. Then there is a recipe for slow cooker dahl in the food house keeping site under vegetarian food so may try that and not shop till Sunday- it makes me use up food in the cupboards which makes life cheaper but is good for stock rotation 🙃

I’m in. We’ve had our ‘lightbulb moment’ About credit card debt so counting every penny. Didn’t leave housr today (work from home) so that’s a big help!

Spent on a kindle book in the monthly offers.

Managed a NSD and avoided biscuits in the staff room. Result!

NSD here, not bad for payday.