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  • FIRST POST
    • mothernerd
    • By mothernerd 29th Jan 18, 8:24 PM
    • 2,276Posts
    • 23,551Thanks
    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 2
    • Jelllibeanz
    • By Jelllibeanz 31st Jan 18, 12:55 PM
    • 151 Posts
    • 367 Thanks
    Jelllibeanz
    Count me in too please
    Aiming for more consistency in 2018
    Mortgage '09 = £103k Feb '17 =£79.9k, Aug 17 = £69k
    #105 £460/£3520 credit card at 0%, #10 penny a day challenge £12/£667
    Wombling Our Way to Wealth 2018 £35.39, Jan's bring your lunch to work 5/20
    • missyv30
    • By missyv30 31st Jan 18, 3:53 PM
    • 181 Posts
    • 1,341 Thanks
    missyv30
    Can I join please

    Debt as of Jan 17 £32990.71:
    • Lauralozzle
    • By Lauralozzle 31st Jan 18, 7:27 PM
    • 555 Posts
    • 4,944 Thanks
    Lauralozzle
    Iím hanging my head in shame over Jan. stopped posting after trip to Edinburgh. Didnít do too bad though with my budgets, all were ok. Iím in for Feb.
    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
    • laurenh1
    • By laurenh1 31st Jan 18, 7:38 PM
    • 366 Posts
    • 3,635 Thanks
    laurenh1
    count me in Mother Nerd

    ps- your comment about smiling hugging & saying hello being culturally unacceptable made me chuckle.

    budgets being set tonight
    • ilovetea
    • By ilovetea 31st Jan 18, 7:55 PM
    • 854 Posts
    • 6,608 Thanks
    ilovetea
    I started well in January and then just lost the plot.
    Did well with NSD though.

    Please add me and I'll try harder this month.

    ilovetea xx
    #10 Make £2018 in 2018. £221.27.
    • DawnW
    • By DawnW 31st Jan 18, 8:37 PM
    • 4,822 Posts
    • 37,751 Thanks
    DawnW
    NST February

    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. No debts now, thankfully. Savings are paid by Direct Debit and I think of them as a bill like all the others.

    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. Done, the organising bit, anyway

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

    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. Will do

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

    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). 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. I will need to think about this.

    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 mental health too. Will try to do this, within existing constraints. Sometimes just doing the housework will have to do!

    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. I have not been great at these, but this is partly because I count all spends - if I spend anything at all, on anything on a given day, it (for me) is not a NSD. That is just what makes sense to me I will continue in this vein, but do think it a really useful part of the challenge as it does make me think more about spending!

    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. Will continue with this

    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. Quite good at this usually

    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. I think I need to cut down a bit on the 'fuel' as I need to lose some weight

    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). Plenty of these beasts going on at the moment

    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.

    Yay, I love a new month. Can't wait



    NSDs for February 8 / 18
    Decluttering 30 / 28

    • shabbychic12
    • By shabbychic12 31st Jan 18, 9:17 PM
    • 50 Posts
    • 199 Thanks
    shabbychic12
    Raring to go. Love the focus that this challenge brings in my own world of chaos l think l need this at the moment. Just wish l could convince more people of the merits these changes will bring to their lives if they only try to follow a couple. Well their loss but l will remind them of what they are missing and how small changes can bring big rewards at every opportunity.
    Wishing everyone luck in their February journey.
    Turtle Challenge February 03 contender
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 £715/£12000
    £28/week on wk5/52 (£1 a day challenge)
    All this saving l'm turning into my Dad
    • bizzie
    • By bizzie 31st Jan 18, 11:22 PM
    • 116 Posts
    • 1,351 Thanks
    bizzie
    Could I join in for February please.
    Groceries / 400.00 Personal Spends 9.98/100.000
    NST February #25 NSD /18 @ 09/02/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • mothernerd
    • By mothernerd 1st Feb 18, 2:50 AM
    • 2,276 Posts
    • 23,551 Thanks
    mothernerd
    Day 1 Inspiration
    Friendly reminder that "doing your best" does not mean working yourself to the point of a mental breakdown.
    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
    • apple muncher
    • By apple muncher 1st Feb 18, 7:26 AM
    • 6,938 Posts
    • 51,995 Thanks
    apple muncher
    Pinch, punch first of the month, no returns!
    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 1st Feb 18, 8:05 AM
    • 2,187 Posts
    • 21,085 Thanks
    Kerry Woman
    Always pay to debts or savings first, live on what is left. No debts, but direct debits already have been set up for money to go into savings and Christmas savings.

    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. Budgets sorted, hopefully I can still to them.

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

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

    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. Will do this.

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

    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).As going back to temp work I will bring my own lunch.

    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. Will try my best to do this.

    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. Will do.

    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. Will do.

    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. Will aim for 18.

    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. Will do this.

    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. Will look to see what needs doing and will make a list.

    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. Will make time to do this.

    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). Will try my best to deal with any elephants and frogs.
    Last edited by Kerry Woman; 01-02-2018 at 8:09 AM.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST February A FOREST ADVENTURE NSD 14/18
    • laurenh1
    • By laurenh1 1st Feb 18, 9:06 AM
    • 366 Posts
    • 3,635 Thanks
    laurenh1
    Good morning all - wishing you all the best of luck for Febs challenge

    Budgets set- this is when things get tighter for us but we are as prepped as can be! £700 in our holiday spends pot & £1000 in emergency fund. £150 to live off for the month , but I do get paid in 3 weeks! & my cupboards are full. Fuel money put to oneside as per usual .

    I will be making an effort to go YS shopping & live off what we have in.

    I will be taking my own lunch into work, this is the norm for me now. It is possible I can come in under budget but I cannot do it if I get things like takeaways. My downfall will be the 20 pounds here and there that we spend on silly things. I will be making an effort to only by necessary items

    "if nothing change, nothing changes" love this, My change will be excersize, I would love to lose a st and a half by the time we go away. I did 2 mile last night and I will do the same again tonight. My other change will be salad, we eat a lot of furit & veg but once per week I am going to have a salad for dinner or tea. Hub loves salad so he will be chuffed.

    Valentines who - we like the M&s meal deal & I have a 5 pound M&S voucher so I will be getting one of those for us for Valentines. I will get the kids to make a card

    NDS - will really make an effort this month - today is NSD #1.

    Use what we have- you have inspired me to make a car out of an old box

    Frogs- i need to apply for my EHIC card & sort my document folder out. I will aim to do these by next weekend.

    Good luck lovely people
    • f0xh0les
    • By f0xh0les 1st Feb 18, 11:16 AM
    • 1,269 Posts
    • 10,076 Thanks
    f0xh0les
    I'm in! Feb is going to be tricky as DH may be on strike for half of it. I need a focus.


    Always pay to debts or savings first,all credit cards cleared, money to kids savings gone out this morning,

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

    Organise your budgets and stick to them. no choice now, the money has gone.

    Reserve charity dd's paid.

    Environment Be aware of your surroundings and use all your senses. Be alert to danger but also to beauty. Will do this during half term

    Stock take I do this weekly, it helps with incorporating the YS bargains

    Takeaways are forbidden
    Ooops, DS3 is 10 tomorrow and his birthday meal request is a chinese takeaway - I cook the rice at home though, so it is only the main courses we buy, it is cheaper than a meal out, and as we so rarely have them it is a big thing and 'special' - will be under £30 for the 6 of us. No other meals out/ celebrations/ planned and I have a Tassimo so no longer frequent coffee shops.

    Always take snacks and drinks for outings
    Always do, it saves a flippin' fortune

    Do something different.I am banishing the chaos, and am arranging playdates for the kids at my house. Kids do not care if I have a pile of books on the end table, or if I have not finished decorating or if I need a new carpet in the living room. The boys need to know they can have their friends round, so some are coming on Saturday

    Valentine Who?
    Totally agree, crazy commercialised tat fest. I do not consent

    Exercise 5 times a week please. Will endeavour to

    NSDs are staying at 18 this month. Just filled up with petrol and will food shop after inventorising pantry

    Throw it away. Donated 2 rolls of wallpaper to Foundation stage at school - they draw on the back of it, and 2 glove puppets went in this morning. Could not bear to give them to charity, this way I know they will be used and loved. Plans for more shelves in living room alcove this month, so all remaining books, dvds and board games will be stored neatly and another piece of furniture (tv storage unit thing) will be released back into the wild (freecycle)

    Use what you have.I am using up the paint I have already bought and am painting all the woodwork . some idiot painted all the skirting boards and door frames and window sills dark brown and it makes everything look awful. Good free and immediately different .
    Also stripping wallpaper costs nothing.


    Will hunt down some Frogs and Elephants.
    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
    • WelshKitty85
    • By WelshKitty85 1st Feb 18, 11:43 AM
    • 656 Posts
    • 5,895 Thanks
    WelshKitty85
    Can I please sneak back in? Life's got in the way since I was last here - new baby has arrived, we purchased a house (after months of land disputes), house needed £1000s of unexpected work, hubby got a job, lost a job, got a new job, but not guaranteed hours. So, our debt has multiplied and living off my maternity pay and DHs zero hour contract means we have to watch every penny. Having said that, we are expecting to need more work doing in the house and have a preplanned night away this month (hotel already paid for so just need to pay for a meal - will look for vouchers). I'll be back to set budgets.
    Battling my final debt:
    Credit card - £4844.62(Dec 16) £3132.78
    • mothernerd
    • By mothernerd 1st Feb 18, 12:13 PM
    • 2,276 Posts
    • 23,551 Thanks
    mothernerd
    F0xh0les go back and read the Takeaway rule to the end - there is a birthday choice exemption.

    So glad you are taking a more relaxed attitude to your sons downtime. My house was always a mess but it was always filled with everyone else's children - even had them coming round for Christmas dinner when things were fraught at home. One of our neighbour's sons, now in his mid thrities, said recently that we had the best parties - I couldn't afford to take them to McD's so did everything myself including making the party bags and hats from newspaper one year.

    To paraphrase superwoman (Shirley Conran) said "Your children will not remember that you ironed their pajamas, they will remember the time you spent having fun."

    Welcome back Welsh Kitty and a warm welcome to all new and returning turtles.
    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
    • ilovetea
    • By ilovetea 1st Feb 18, 12:49 PM
    • 854 Posts
    • 6,608 Thanks
    ilovetea
    Here goes.
    Always pay debts savings first. No debts.D/D set up for money going to savings.
    Follow the rules. Will try.
    Organise budgets. Will do. Realised that my main shop is on line so gets paid for by card.Greengrocers is paid by card s well. Just really need to work out any personal spends.
    Reserve money for charity. Done by D/D.
    Beware of envirnment. Will do.
    Stock take cupboards. Must do and organise.
    Takeaways. Don't do them.
    Always take lunch to work. Only do voluntary work part time so don't need leunch. They provide cuppas.
    Do something different. Thinking about this.
    Valentine. Don't do.
    Exercise. Should do alot more .
    NSD Aiming for 20.
    Throw it away. Recycle,donate,sell if I can.
    Use what you have Fix something Will look.
    Refuel.Joinedd Slimming World so doing healthy eating.Get plenty of sleep.
    Elephants and frogs. I'll try and make a list of frogs and a plan for getting rid of the elephant. Known as the cupboard of doom Full of craft stuff that I'm going to use .....one day.

    Happy February every one.

    ilovetea xx
    #10 Make £2018 in 2018. £221.27.
    • shabbychic12
    • By shabbychic12 1st Feb 18, 1:15 PM
    • 50 Posts
    • 199 Thanks
    shabbychic12
    Well it's time to put my actions into play so here goes
    : savings no dept - want to retire 2018 at 54 was going to be 55 but lost DH when l was 50 and now l need to live my life before it's too late.
    : Bugets organised
    : reserve - TBA
    : stock take - on going
    : do something different - that is a challenge but will try
    : valentines waste of money you don't need a special day to tell someone you love them
    : exercise - ongoing
    : NSD will attempt 18
    : throw it way - all ready on this
    : use - where ever possible l will do this
    : refuel - plan to spend more time on me
    : elephants and frogs will be dealt with as and when
    Turtle Challenge February 03 contender
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 £715/£12000
    £28/week on wk5/52 (£1 a day challenge)
    All this saving l'm turning into my Dad
    • Calling14
    • By Calling14 1st Feb 18, 1:42 PM
    • 2,620 Posts
    • 19,207 Thanks
    Calling14
    Haven't been about much last few months but now work has calmed down would like to rejoin my fellow forest creatures. Thanks Mothernerd.

    Always pay debts - Won't do as good as Jan but going to try. Did so well as didn't spend on my cc all month.
    Organise budgets. Sorted, freezer full so just veg/fruit/bread needed.
    Reserve money for charity. Will do
    Beware of environment. Been thinking of using soap rather than handwash and shower gel - would cut back on plastics a bit.
    Stock take cupboards. oh dear, door needs fixing so dont stay in there too long
    Takeaways. Don't go for them but may meet up with friend who is visiting area Sat, suggested lunch and seeing she's inbetween operations - can't say no. Will come out of food budget.
    Always take lunch to work. Always do soup dragon I am
    Do something different. Well bf won't go anywhere so planning some trips this year away by myself. May need to change bf
    Valentine. It's St Dwynen's day which was last month here in Wales. Had a lovely bottle of pink gin bought for me. He had left over juggling balls from xmas which he loved.
    Exercise. Try to walk most days this week bit cold so stayed in. Will do more and wrap up warm .
    NSD 18 .
    Elephants - Car needs a service, brakes - will do once paid for new blinds which I ordered last month. In hand.

    Omg Welsh Kitty Congratulations on new baby. Girl or boy?
    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

    • WelshKitty85
    • By WelshKitty85 1st Feb 18, 3:20 PM
    • 656 Posts
    • 5,895 Thanks
    WelshKitty85
    Omg Welsh Kitty Congratulations on new baby. Girl or boy?
    Originally posted by Calling14
    Thank you! Baby boy. He's good as good at night and sleeps through til 7am so I can't grumble, but he doesn't like being put down in the day so I'm finding it hard to get jobs done.
    Battling my final debt:
    Credit card - £4844.62(Dec 16) £3132.78
    • laurenh1
    • By laurenh1 1st Feb 18, 3:47 PM
    • 366 Posts
    • 3,635 Thanks
    laurenh1
    WelshKitty Congrats on your new bundle, little boys are so loving <3 . Tesco clubcard vouchers are due to arrive on the 3rd, if you could boost them for your meal
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