NST December: Debt Destruction December

Kerry woman I am so sorry for your loss.

Today is NSD #2

Doing ok with my anxious thoughts a bit worried that tax free childcare are not paying me back or calling me back and a bit cross they can treat people like this. Luckiky we can budget otherwise we would seriously struggle.

31 items- still need to drop my tins off at tesco.

Explore- nothing today but york was fab yday. Started badly when we couldn't get parked & the markets were rammed but the event was fab in the end despite the reviews...

Something that makes me happy- pancakes for bfast.

Greatful for- the kind bus man who let me off when i lost my ticket ( same driver on way there), roasted marshmallows & having ten pound left in my budget:)

Well yesterday was spendy as I knew it would be. We went to the cinema, bought 3 boxes of chocolates in M&S, slipper socks in Next (for me), takeaway for supper.

Today we have called into town, I've bought a family organiser and diary from Poundland, slipper socks for the kids as part of their Christmas eve bundle (something I got into when they were small and can't seem to get out of), these were from Sainsburys with 25% off.

I have some ebay items ending today and the price they are already at will cover the chocolates and my socks, the other things come from out Christmas/Birthday pot which we put into throughout the year.

Good afternoon everyone.
Another lovely day in Cumbria.
NSD number 3. Had hair done yesterday but that was budgeted for and the money in a seperate purse.
Have put an order in with Mr.T but thats not coming until Tuesday.

Exterminate. Said it would be chocolate but I NEED some.:rotfl::rotfl:

Have to do a few Christmas cards. Hopefully feel joyful when thy are done.

ilovetea xx

So sorry to hear about your mum Kerry Women.

NSDs - will aim for 15, currently on 1/15.

DFD - currently Dec 2022 which is when the last payment for my car comes out. However, I'm aiming to pay off all debt other than car payments by the end of next year. After that, I will aim to save the money to pay off the car early.

Budgets - £200 food, have budgeted £50 extra for Christmas treats, currently £0/£200 but planning to do a food shop later. £100 social, spent £45 at works Christmas do last night. £100 fuel, I have no idea how much I will spend on this so have budgeted high, currently £0/£100.

Exterminate - the game on my phone, 3/10 days of not playing.

Clear out - started a bag to go to the CS, it currently has 2 items in it.

Explore - away to Edinburgh next weekend so will be exploring there .

Mental health - I haven't been feeling particularly great physically which is definitely impacting on my mental health. However, had a really fun night out last night, being social always makes me feel more positive. Gratitude's for today are not feeling too hungover, bacon rolls that OH made for lunch, my sofa and Christmas movies.

Evaluate - 2017 has generally been a good year me and OH have pretty much got our wee flat looking like we want it to, there's a few jobs to do and the garden could definitely be sorted out more. I really enjoy my job and I finished the qualification which meant a payrise . Healthwise, I feel a lot better after going on a dairy free diet. Unfortunately OH's health still isn't great and has gotten worse over the course of the year. The debt has also risen after years of paying it off, however, at least for a good reason, my wee car. Still need to properly think about my 5 things in 2018.

I am still tinkering and juggling with my finances or lack of them and will post my budget when I get there. I have unbelievably had the first three days as NSD. WOW. Tomorrow will only need milk and butter,ok for everything else. Just wish my physical and mental health would perk up.