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  • FIRST POST
    • mothernerd
    • By mothernerd 29th Jan 18, 8:24 PM
    • 2,276Posts
    • 23,554Thanks
    mothernerd
    NST February A FOREST ADVENTURE
    • #1
    • 29th Jan 18, 8:24 PM
    NST February A FOREST ADVENTURE 29th Jan 18 at 8:24 PM
    NST February

    A FOREST ADVENTURE

    For February, I want to take you on a trip to the Fantasy Forest. This is no domestic wood. The Fantasy Forest is packed with dense green foliage and bright flowers. It is dense and humid. (You may want to retreat there for a few minutes each evening).

    The forest is wild and dangerous. There may be traps (broken boiler/ burglary). The animals may not all be friendly. We may encounter snakes, monkeys or polar bears (salesmen, procrastination, totally unexpected) to slow our journey or force us from the path to debt freedom.

    The insects will undoubtably bite. We may succumb to lurgy or delirium (getting am*z0n to send a drone won't really hurt, will it?). Youngsters and young adults will be joining us during half term and we must make provision for them.

    How will we survive. We will prepare and plan thoroughly. We will think what we need (not want) and stick to our goals, find solutions when set backs occur. We need to be as fit as possible (physically, mentally, spiritually and financially). If we are under par, we must take steps to right this.

    When it's hard, we will just keep plodding. We will help and encourage those who are struggling or suffering and celebrate any and all success. No turtle gets left behind.

    The forest is beautiful and magical. Enjoy the journey.

    THE RULES

    Always pay to debts or savings first, live on what is left.

    First of February until the 28th, inclusive. All turtles commit to following the rules.

    Organise your budgets before the start of the month and stick to them.

    Reserve a small portion of your budget (cash or goods) for the food bank or charity of your choice.

    Environment Be aware of your surroundings and use all your senses. Be alert to danger but also to beauty.

    Stock take your cupboards, fridge and freezer. Base your meal plan upon them and your shopping list on what is needed. Stick to your list.

    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions).

    Always take your lunch to work and snacks and drinks for outings or appointments (may excuse one trip with children or allow ice creams etc if part of the experience).

    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another.

    Valentine Who? We will not be celebrating commercialism or bad taste. Do your own thing. Practice kindness to all and don't forget yourself. Treat yourself kindly, like a friend or someone you love and care about. Smile, hug, say hello (I understand these things are culturally unacceptable in London and some southern regions - try to change it but don't get arrested or committed). Small gestures of kindness may make someone else's day.

    Exercise 5 times a week please. It should be commensurate with your abilities and current state of health (be careful after flu/ viruses). Getting outside helps with mantal health too.

    NSDs are staying at 18 this month. that is still 10 days available for necessary shopping. There would be far fewer opportunities in the forest. Exceptions for medical care, petrol (should be within budget), bus fares, ys bargains and milk for greent.

    Throw
    it away. We should all be aware that there is no such place as 'away' and recycle or donate appropriately but we all have too much stuff and even if you are ill, getting the rubbish and recycling helps slow the descent into chaos.

    Use what you have. Fix something (for free if possible). Make something from a cardboard box (ideas for half term). If you have time, it may be useful to go round your house making a list of things that need fixing. Some may need to wait for better weather but when you are repaying debt and the focus is on that, you may find your house looking rather shabby. If you have a list of things that can be fixed or improved at little or no cost, it can give you a lift and a sense of progress.

    Refuel properly. You ask a lot of your body, give it the fuel that it needs - healthy food, water, a reasonable amount of sleep. Refuel your mind and spirit by taking time to relax and rewind.

    Elephants and Frogs. We all have them. For newer turtles who have never visited Flylady, a frog is any task you have been putting off - eg a difficult phone call. Over time the small task has become a giant obstacle. Tackle the frog and the rest of your day will be a breeze.
    An elephant is such a huge task that you just do not know where to start. How does one eat an elephant? One bite at a time. elephants need to be broken down into small manageable pieces. i want to hear about lots of frogs being eaten and the odd elephant being cut down to size. (That will leave us with more time to hide from the polar bears).

    Along the way we will have daily inspiration. This challenge is intended to be hard (several turtles were already anticipating a difficult month) so this month's quotes are going to be gentle and nurturing.

    They are not a get out of jail free card, but when you are having a difficult day, just focus on the quote of the day, take comfort from it.

    There may also be mini challenges, but these are optional.

    So who is tough enough for the turtle challenge.











    This year I will be fierce
    NST Feb #1 SFD 12/18 Food £78.44/£120 Travel £6.40/£20 DIY £0/£30 Ent £2.05/£20 (+ £20 membership fee)
    No Debt No mortgage
Page 13
    • Kerry Woman
    • By Kerry Woman 12th Feb 18, 10:58 PM
    • 2,187 Posts
    • 21,087 Thanks
    Kerry Woman
    calling and Dizzyblnd - Sending hugs to both of you. Take care.
    Was a spend day. Brought a few treats for tomorrow from M&S as it would have been my Mum's birthday. Spending time with friend tomorrow. Also brought flowers for my Mum's grave. Paid my social club annual membership fee. Also got tickets for the Elvis/Big Bopper tribute night at the social club. Spends have been put into notebook.
    Grateful for:
    Winning at bingo, so games I played were free.
    Walking to and from friend's and also the social club.
    Tiny bit of decluttering.
    The postman delivering a parcel early so that I could achieve quite a few things today.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST February A FOREST ADVENTURE NSD 14/18
    • sashanut
    • By sashanut 12th Feb 18, 11:15 PM
    • 2,691 Posts
    • 25,060 Thanks
    sashanut
    No 10 checking in

    Hi all


    Making this short as have incipient migraine, but have taken medication so will be OK..also have to be up early for work at the CS tomorrow..

    Always : Will try to make sure I can make/save some money this month instead of always spending up to the max..No spends today


    First : Agree

    Organise : I had LO leek & potato soup for lunch, DH had the LO Chinese . Had to swerve supper as 2 CB smelt bad so used sausage in rosemary pasta bake.


    Reserve : Already make a charity donation each month from joint acc. Will also set up a DD for an animal one. Still to do


    Environment : Snow this morning which the dogs loved but it had melted by lunchtime. Rosemary bush just beginning to flower.


    Stock take : Still lunch & dinner all from stocks in fridges/freezer Need to stocktake all other food stocks (kitchen cupboards, pantry, larder, cellar ) will start tomorrow. When is this mythical tomorrow when I am going to inventory??

    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions): Not planning on any takeaways, too much food here to need any.

    Always
    take your lunch to work and snacks and drinks for outings or appointments: will do.


    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another: Surface still clear but still the only one!! Cleared another very large surface & also under sink space, yuk.. Looks far better though & now its needs to stay clear, have warned DH. Went back to changed routine for dogs, much better & also kids not on half term here yet so don't want to be making a noise late at night.


    Valentine Who? : Card only for DH, already have. Got YS flowers yesterday, they look lovely & I can use them as my Valentines, no need to get any more..

    Exercise 5 times a week please: Could well be gardening or clearing, cleaning etc but will aim to be active. Active most of day.


    NSDs are staying at 18 this month: NSD today so now 6/18 - tomorrow will be a spend day. Am being creative with what we have in..

    Big push on this, much clearing needs to be done but refuse to toss useful stuff, will freecycle or CS - but preferably sell! Have photos ready to list now, will list this weekend.There is only tomorrow left of the weekend, so tomorrow! Listed only one item on FB, no interest sadly..still no takers..

    Use what you have. Fix something : Have some knobs on drawers cupboard etc in bedroom that have come adrift. Need superglueing or I have already bought 4 new ones if not fixable. Not done yet. Maybe will need to buy more outside paint, the one I used was rubbish...Cord that open curtains has broken, have to get up ladder to try & see how to fix it. Need DH to hold ladder as ceilings so high. Took photo of pulley effort from upstairs so I can see how to bodge the downstairs one. DH fixed hoover from where I inadvertently sucked up a plastic bag. Used risotto rice & almond milk for rice pudding, surprisingly nice..although not cost effective in the long term I shouldn't think. Have used 'glutinous rice' mountain for rice pudding, seemed to work fine. That would be cost effective as have probably 2 large bags..

    Refuel properly: Will do this, already am taking some steps to improve health & sleep patterns. Taking supplements now & bedtime tea, seems to be working. Tea combined with pillow spray etc got me to sleep, no bother, just have to remember to make tea an hour before bed.

    Elephants and Frogs: Frog printer tackled today & is now working, albeit intermittently. Elephant - sorted out some of DHs old polo shirts that will only be ragged at CS but that's fine, he won't wear them again as he found some that actually fitted him & never wears the old ones.

    Frogs: Under sink space cleared out.

    Thanks mothernerd for running the challenge, it is very much appreciated even though I am not a model turtle pupil yet
    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
    • greent
    • By greent 13th Feb 18, 8:19 AM
    • 6,683 Posts
    • 68,775 Thanks
    greent
    ((hugs)), laurenh1 xx

    Always pay to debts or savings first - car & 0% CCs on direct debit. 'Regular' spending CCs paid off in full at start of month. Once kitchen/ workmen fully paid for this month we will know what (if any!) we have left and that can go to OH's 0% CC. Any extra monies will also go there - small amount of cashback claimed and added to kitchen fund at mo - as any excess is going to CC anyway - should hopefully be paying for last of the kitchen (and bathroom) workmen bills within next 7-10 days and then I'll know exactly where we are

    First of February until the 28th, inclusive.
    Organise your budgets before the start of the month and stick to them.
    * Food 279.59/450 - spent at A1di, Sainz, Icyland & tesc0 yesterday!!
    * Diesel (me) - 63.53/65 - full up
    * Toiletries - 1.44/10
    * Gifts - 13.50 -small gift for my mum (ready for Mothering Sunday) and some cute babygros for baby nephew just because
    * Clothing - 63.44/100 - 3 pairs of jeans bought for DS1 yesterday (H&M and used 2 x £5 vouchers from taking in old fabrics) plus pair of gloves for DS2
    * Social - 0/50
    * Half term - 0/75
    * Money in - 33.40/50

    Reserve a small portion of your budget (cash or goods) for the food bank or charity of your choice. - ok. Monthly DD to WWT. Should be attending a charity coffee morning next weekend and paid out 3.10 to school charity things. Also a small bag of toiletries to foodbank
    Environment
    Stock take your cupboards, fridge and freezer. Base your meal plan upon them and your shopping list on what is needed. Stick to your list. - Big shopping done yesterday and supplies are looking healthier
    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned may have family takeaway as social if budget unspent elsewhere.


    Always take your lunch to work and snacks and drinks for outings or appointments (may excuse one trip with children or allow ice creams etc if part of the experience). - have half term budget- likely to go on a discounted game of bowling and burger half term offer
    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another.
    Valentine Who? after 30+ years together we don't really do Val now (although I may buy some of the flowers for myself afterwards if they have been reduced
    Exercise 5 times a week please. It should be commensurate with your abilities and current state of health (be careful after flu/ viruses). Getting outside helps with mental health too. - Am finally around 95-97% better post-flu (still tiring easily) Will start 'formal' exercise after half term. However half term brings a bowling trip, lots of house sorting (lots of steps and stairs) and (weather dependent) canal-side walks to see the swans and then go to the play area
    NSDs are staying at 18 this month. Exceptions for medical care, petrol (should be within budget), bus fares, ys bargains and milk for [B]greent. 5/18
    Throw it away.-recycle or donate appropriately but we all have too much stuff -looking to remove 150 items this month - whether sell/ donate/ recycle/ bin - 25/150
    Use what you have. Fix something (for free if possible). we need to update our house to do list this month - some jobs are being done as we have workmen in for the kitchen so are having them do some other bits whilst here (more cost efficient ) My main focus for Feb is a big clean and tidy- lots of dust spread everywhere from the works - some small jobs now ticked off. Clean up is continuing
    Refuel properly. Feb is a month of re-charging for me
    Elephants and Frogs. .Am sure I can find some frogs. An elephant I need to tackle is getting OH's co accounts for the year ready for the accountant
    I think this will be a post-half term job!

    Spendy day yesterday - jeans shopping with DS1 (he also bought 2 pre-owned PS4 games with his own money/ gift vouchers) and a couple of other little bits. Lots of food shopping - should see us through the rest of the week, with poss exception of milk and Guinea pig fresh veggies (although did score some good YS ones for them last night )

    Today should hopefully be NSD. Awaiting plumber to change some radiators throughout house. Cold, wet day, so have living room fire on ready and we will hunker down in there/ dining room (will open doors through to dining room and let heat fill both rooms)

    Will try and get all 3 boys doing some homework tasks today!
    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) £36.39/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 (#15) £1429.16/£18694.38 Decluttered 273/2018 items
    • apple muncher
    • By apple muncher 13th Feb 18, 8:23 AM
    • 6,938 Posts
    • 51,999 Thanks
    apple muncher
    Sending you hugs Kerry Woman. I hope it is a day of good memories for you x
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • laurenh1
    • By laurenh1 13th Feb 18, 9:15 AM
    • 366 Posts
    • 3,639 Thanks
    laurenh1
    morning all,

    I have already written a post but MSE ate it

    off today with poorly/ tired kids. meant to be resting but probably end up catching up with everything. not a bad thing. hub & I have agreed to start doing less on a weekend or at least not going somewhere every weekend- having no time is making us both stressed & overwhelmed.

    today is NSD #10. did spend yday but only on YS items- be the same again tonight - anything I don't get reduced tonight I will buy with my m&S voucher tomorrow. saturday I will need to buy hub a suit , planning to budget 100 for suit & funeral spends - & I will budget later for putting it back in savings when I get paid. the least I can spend this week & next, the better.

    looking forward to spring really feel the need to get out & about but all this snow is not helping.

    hopr you all have a positive day turtles xxx
    • abundant1972
    • By abundant1972 13th Feb 18, 7:12 PM
    • 1,208 Posts
    • 8,995 Thanks
    abundant1972
    Evening everybody...

    Today = NSD number 5

    Busy weekend at parents and the re-boot is going well. Have spent a little more on food than expected because I have refurbished my stock. Now stocked up with different herbs, oils and new kinds of rice and vegetables, to start 'actual' cooking - rather than being lazy.

    Two nights running I have cooked from scratch and it actually tasted nice!!! I CAN COOK! Managed to exercise too - I now just have to be consistent and keep it up... Even if/when my mood fluctuates, which it inevitably seems to do.


    Just in tomorrow then off for a few days. Will go and see the family again. Keep up the good work everyone...
    Ask do I 'want' or 'need' this before I spend
    Follow your heart & be true to yourself always
    Help To Buy ISA = £5683.65. EF = £2275/£4500
    NST : NSD=6/18 : Food=£MAXED/£100 : Spends=£32.00/£100
    Exercise : 10 - 30 minutes daily
    • greent
    • By greent 13th Feb 18, 7:44 PM
    • 6,683 Posts
    • 68,775 Thanks
    greent
    Nsd achieved today - we were housebound with a plumber in changing 4 radiators (back tomorrow to do more) and lousy weather. Kids are a little stir-crazy and I'm really looking forward to having no workmen here next week (this is week 3 and I want my house to myself!!)

    However, I am grateful for the heating working again tonight (took a few goes to get it restarted!), easy food, cuddles with DS3
    x
    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) £36.39/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 (#15) £1429.16/£18694.38 Decluttered 273/2018 items
    • dizzyblnd
    • By dizzyblnd 13th Feb 18, 7:46 PM
    • 396 Posts
    • 3,581 Thanks
    dizzyblnd
    That;'s awful! So sorry for you. It is the major fear of anyone who has ever bought a house. I sold ours and moved into rented until I found a new one. Horrid hassle of finding a rental, and then paying twice what you would pay in a mortgage for 6 months, but getting out of that chain is priceless.

    You will be able to pounce when you find your new home (which will be much nicer and bigger than the one you lost ) Good luck!
    Originally posted by f0xh0les
    Thank you Foxholes. Did it take you 6 months to complete on a new home? We're out of the chain now but not owning your own home is so hard when u have owned a house so long.
    NST2018 mortgage-free wannabe #145
    • apple muncher
    • By apple muncher 13th Feb 18, 8:18 PM
    • 6,938 Posts
    • 51,999 Thanks
    apple muncher
    Today, I am grateful for a warm coat + woolly hat, for being on half term (fmess - I'll be jealous of you next week!), for cheapish cinema tickets to see Early Man, for mum seeming further along the road to the ideal 'contented dementia' state I read about (abundant - have you read that book yet?), for the wonderful care home staff, for a potter with dd + dh, for the winter olympics, for going home tomorrow, for dd's camera that she lost on the train up being handed in at the station.
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (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 Feb 18, 8:37 PM
    • 2,187 Posts
    • 21,087 Thanks
    Kerry Woman
    apple muncher - Thank you. Did find today hard. Went to Mummy's grave and put down the roses, had a chat and cried. Did go round my friend's and we had lunch, watched a movie and a chat. I also had a few brandy's.
    Grateful for:
    Support from friend.
    NSD 9/18
    Sorted out 4 frogs. Sorted out 2 pensions of whom should get my pension is anything happens - 1 sent form off and the other was able to sort out online. Had to change the names. Sent off a letter to whom I have my will to change the address of one of the executors - was informed I could just send the letter instead of amending the will, so saved me £60. Finally sent off the survey to the cemetery department to confirm that I have received the deed for my Mummy's plot.
    Did some walking today.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST February A FOREST ADVENTURE NSD 14/18
    • Lauralozzle
    • By Lauralozzle 13th Feb 18, 8:38 PM
    • 555 Posts
    • 4,944 Thanks
    Lauralozzle
    Finally sitting down to relax. Hot bubble bath is in order tonight.

    Had a very easy dinner today - 3 pancakes with orange juice and sugar. Not very healthy but it is pancake day!

    Also managed a NSD today so I!!!8217;m at 7/18. Need to pop to the shops tomorrow and use some vouchers as we need a new kettle, meant to go today but didn!!!8217;t have the time.
    February grocery challenge £75.40/£275 | February NSD 6/18
    Credit Card 1: £45.00 (0%) | Credit Card 2: £2,113.50 (0%) | Credit Card 3: £771.92 (0%) Car Finance: £7,491 (7.9% APR) | Mortgage: £110,984 (2.79% APR) | Emergency Fund: £69.68/£1000 | Honeymoon Fund: £772.62
    • mothernerd
    • By mothernerd 13th Feb 18, 8:52 PM
    • 2,276 Posts
    • 23,554 Thanks
    mothernerd
    Day 13 Inspiration
    Yesterday does not define you

    Clutter smothers, simplicity breathes

    I am content with daily progress


    Internet ate my post just after midnight. Trying again with short quotes.
    This year I will be fierce
    NST Feb #1 SFD 12/18 Food £78.44/£120 Travel £6.40/£20 DIY £0/£30 Ent £2.05/£20 (+ £20 membership fee)
    No Debt No mortgage
    • mothernerd
    • By mothernerd 14th Feb 18, 3:08 AM
    • 2,276 Posts
    • 23,554 Thanks
    mothernerd
    Your time is limited
    So don't waste it living someone else's life
    Don't be trapped by dogma
    which is living with the results of other people's thinking
    Don't let the noise of other people's opinions drown out your own inner voice
    And most important, have the courage to follow your heart and intuition
    They somehow already know what you truly want to become
    Everything else is secondary
    Steve Jobs 2005
    This year I will be fierce
    NST Feb #1 SFD 12/18 Food £78.44/£120 Travel £6.40/£20 DIY £0/£30 Ent £2.05/£20 (+ £20 membership fee)
    No Debt No mortgage
    • f0xh0les
    • By f0xh0les 14th Feb 18, 7:18 AM
    • 1,269 Posts
    • 10,077 Thanks
    f0xh0les
    Thank you Foxholes. Did it take you 6 months to complete on a new home? We're out of the chain now but not owning your own home is so hard when u have owned a house so long.
    Originally posted by dizzyblnd
    12 weeks from offer, we had the keys. The house was a probate sale so nobody to move out. Absolutely no reason for it to have even taken that long.

    Have a look at past sales(6 months) on the house-stalking websites - you will see houses that would have suited you, that somehow you never saw advertised - as the estate agents have a list of people they ring first before it even goes on their website but after they take the photos - They rang me at 7pm to tell me about the house, I had already seen photos and thought I would have loved that house but the sale fell through twice to investors. I saw it at 9am the next day, and we were the 4th set of people through the door (all investors). Sale agreed before 10.

    Make nice with the Estate agents, even if they are slimy - it is the month's task to deal with toads, and ALWAYS answer your phone to the estate agent. Tell them your situation and tell them it is urgent - they get annoyed at people mucking about and not in a position to buy, so line everything up, and go looking.

    And organise a few weekends away if you can so that relatives can have a bit of respite. It happens surprisingly often, I have had spare rooms full of friends' stuff while they were moving and ended up with a week where they were sofa surfing with all their stuff as they did not want to break the chain.

    And now you can be cheeky and make a slightly lower offer. No chain is valuable.

    Plus your bank balance looks AMAZING - enjoy every day of it.
    Last edited by f0xh0les; 14-02-2018 at 7:51 AM. Reason: misplaced apostrophe, shame on me.
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • apple muncher
    • By apple muncher 14th Feb 18, 7:38 AM
    • 6,938 Posts
    • 51,999 Thanks
    apple muncher
    I have had to changed my password. Because it had expired. After 5 days... ridiculous! Anyone else?
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • f0xh0les
    • By f0xh0les 14th Feb 18, 7:50 AM
    • 1,269 Posts
    • 10,077 Thanks
    f0xh0les
    Wrote a post, MSE ate it
    Changed my password 5 days ago, this morning they made me do it again as I had not changed my password in 5 days.


    Yesterday was NSD 8

    DH had a tooth pulled and he is horrifically grumpy and tbh sulking like a 3 yr old.
    An expensive implant is on the cards.

    2 boys coughing horribly all night long. Grrr. I am waiting for them to get up, with the chest rub next to me. Then I will pounce. eta- I have pounced

    Today should not be very spendy, Lots of cleaning and tidying and getting ready for visitors on Friday.
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • laurenh1
    • By laurenh1 14th Feb 18, 9:11 AM
    • 366 Posts
    • 3,639 Thanks
    laurenh1
    Foxh0les apple Muncher the same with me, re password. 5 days

    Today should be NSD #11. I am going shopping but using my gift card, however I do have to pay parking but get it knocked off my bill at the end, so it will go back on my gift card if that makes sense. Hope that's ok Mothernerd?

    Budgets are still the same-
    1000 emergency fund
    700 paris fund
    100 xmas 18
    20 spends HOWEVER tax free childcare have issued me with a payment of £100 as compensation for all the hassle I have had. I would like to put this to a new dining table but I wont do anything with it just yet. I need more than that anyway for a dining table but it will be a start if nothing else crops up.

    hub went YS shopping last night- didn't do too bad. I have suggested we start taking it in turns he is not up for it. Also did insanity (the exercise programme) so feeling good about that. These are the things I need to start implementing in my life until they become the norm.

    Fuel is getting a bit tight so I need to watch that- hub is driving us to swimming on Sunday to save my fuel roll on pay day
    • dolly84
    • By dolly84 14th Feb 18, 9:31 AM
    • 3,666 Posts
    • 33,946 Thanks
    dolly84
    Same here with the password re-set.

    Just plodding on here at the moment, very cold, nothing exciting happening, DH is off work after today and all next week so we will be out and about with the kids a bit but what we do depends on the weather. We are hoping to do some painting in the house too, had a look at what paint we had and we have enough to do some touching up.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • Calling14
    • By Calling14 14th Feb 18, 1:46 PM
    • 2,620 Posts
    • 19,208 Thanks
    Calling14
    Happy Valentines Day - not that I am spending any money Mothernerd.

    Bought some meat and veg yesterday, however forgot butter and washing liquid(clothes so hey ho another NSD gone.

    Had my blinds fitted yesterday and wow made my lounge look all modern , tempted to get a quote for another two now. First for me no spending on my credit cards to pay for them

    NSD - 8
    Food £58.03/£80
    Petrol 0/40
    ME upkeep(hair/make up)- 13/10
    Clothing 10/20
    Social - 10/50
    Money gained surveys/extra income this month - £144.81
    Credit card payments this mth - £298
    New Blinds to paid for £224/£224 and fitted.
    LBM 13039 1.1.13 Start 2018 £5552 NOW £4108
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 1444/£5552 DFD 12/18
    E
    Fund #9 £220/£1,000
    1 x 100 days challenge
    £1279/£2000

    • Kerry Woman
    • By Kerry Woman 14th Feb 18, 6:36 PM
    • 2,187 Posts
    • 21,087 Thanks
    Kerry Woman
    NSD achieved today 10/18.
    Grateful for:
    Getting a lift back from the church this evening from my brother, after the service for my Dad. Mass then cremation tomorrow.
    Walked to and from church this morning as it is Ash Wednesday. Mass was 6.30am. Was a couple of minutes late.
    Taking it easy tonight.
    Having a nice chat with my nephews.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST February A FOREST ADVENTURE NSD 14/18
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