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  • FIRST POST
    • mothernerd
    • By mothernerd 25th Feb 17, 7:40 PM
    • 2,032Posts
    • 20,614Thanks
    mothernerd
    NST Muddy March Marathon
    • #1
    • 25th Feb 17, 7:40 PM
    NST Muddy March Marathon 25th Feb 17 at 7:40 PM
    NST: MUDDY MARCH MARATHON


    Inspired by the Zumba Twins (my niece and her wife) who completed a 10k mud run in aid of their local hospice last month and in despair at the impossibility of following Captain abundant's Winter Voyage, I have decided that in March we will run a
    Muddy March Marathon.


    M March comes in like a lion and out like a lamb, they say. However March is a lot more varied than that and usually manages to throw a bit of everything at us. So it is, in life, and on our debt free journey. Some months we sail through, accumulating NSDs, knocking chunks off our debts. Others we struggle, barely recovering from one setback before the next hits us. This March, we will be adopting the American Indian mantra
    Live in the Spirit of the Season”


    Whatever the weather throws at us (or life or debt free journey) we will embrace it, enjoy the challenge, celebrate and commiserate with each other. We will relish any signs of Spring approaching but will also splash through the puddles (or slush), fizzle through the fog and giggle at the gales. The March Challenge runs from 1st March to midnight on the 31st March.


    U Use it or Lose it is our second theme for the month. Both words have many conotations so from using what we have in the cupboard, reusing something for a repair, putting skills we have to good use and losing (rehoming/ selling/ giving to the charity shop for it to find someone who loves it) any unwanted/ needed possessions (captain abundant advised us to look through out wardrobes last month) and turn them into cash or return them to productive life. We are all short of space (and time and money) so each day I will try to give a helpful example and welcome you to add your own. Useful ways of making the most of what we have and using what we have wisely.


    D Debt Free Date Do you know yours? How much should you be paying towards your debt or savings each month to reach your target. Mine was always a bit vague – basically “When I sell the house”. When that was done, I paid for mum's (and mine? Help – she's already deciding where 'we' will go on holiday) much needed bungalow and paid all my debts. Going forward, not having the burden of two sets of household bills is a great improvement. I have a very modest income but it is sufficient.


    D Debt or Savings First An important turtle rule, instigated by our original leader Ninja Saving Kat*. Anything left after debt (savings) payments and other regular outgoings (dd for utilities, council tax, rent or mortgage) is for you to live on (food, petrol or bus fares to get to work, 'extras'). If it is not enough, how will you bridge the gap – extra income or cutting back, phones, tvs, alcohol and 'classes' are all choices. If your budget is tight, how do these extras compare to your need to get rid of your debt/ buy a house/ retire early? I am not suggesting that you forgo fun. Turtles love fun. We love free fun best of all. But when you have a serious debt problem you need to look at your past choices and how you go forward. * See turtle back story at post 2


    Y You will set all your BUDGETS before the start of the month. You are in control of your money, the money (or spending is not in control of you). (I want to sing 'You're not the boss of me' from Malcolm in the Middle). Food, travel (petrol, public transport, maintenance), any kids clubs (this can be put into a separate 'purse' or 'envelope' at the start of the month and will then not affect your NSDs. All regular outgoings including 'personal' spending money.


    M Monitor Your Goals. Misstara encouraged us to set goals at the beginning of the year and Captain abundant asked us to check them last month. As we enter a new month, we should do so again. Are you reaching your current goals? If you are meeting your current target(s) easily then maybe it is time to move forward a step and stretch yourself? If it isn't happening, you need to revisit your goals, revise your first step (better to do 10 minutes exercise a day rather than fail to get to the gym, repeatedly). Identify any snags/ obstacles and work out how to overcome them. * BHF suggestions on setting goals and keeping on target in post 15(as suggested by Captain abundant). New comers feel welcome to think about and post your own goals for the year.


    A Avoid takeaways, canteens (unless bargainaceous subsidised ones), vending machines, costalot coffee and all their ilk. Take your lunch to work (from home) every day and where possible take your own food or snacks for hospital appointments (if travelling or out at meal times), cinema visits, days out. Some turtles allow themselves some purchases from this section (budgetted for as a special treat). If you are stuck and have to purchase, try to support a local cause or cafe (ie 'friends' cafe), rather than a chain. The rule is there because small spends ('only a drink')like this can add up to a large amount over the year – see Martin's demotivator and making your own lunches (and meals at home from scratch) can give huge financial benefits as well as being healthier (no hidden sugar, fat, additives).


    R Remember those in Need. Donate to your local food bank or charity of your choice. Money, goods or time. Remember the numerous charity shops when clearing your house – your unwanted item could be just what someone needs. Apologies to those with children whose schools are constantly demanding 'donations' (especially making you pay through the nose for uniform and then charging you for your children not wearing it).


    C Cupboard audit (+ fridge and freezer), Meal Planning and Cooking from Scratch are all great aids to saving money. What do you have in, what can you make with it, what do you need to buy. Again several turtles are full of ideas for recipes, special diets, how to use that bag of whatever that has been sitting at the back of the cupboard since the year dot. We can even get children to eat veg. Save time by knowing what you are going to cook or cook at weekends and days off and have hm ready meals.


    H HELP and Advice are always available. If you don't understand something, need clarification or are just drowning in despair, just yell. The turtle gang will respond.


    M Mistakes. We all make them. We all slip up, forget things, go off the rails. One slip is not a failure, do not write off the month. Get yourself back on track as soon as possible. Don't be afraid to ask for help or ideas for how to solve a particular problem


    A Avoid temptation. Retailers want your money. You do not have to give it to them. They have all sorts of tricks to get you to spend. Be wary. Product xyz will not transform your life. Focus on what you want to achieve. What is a need and what is a 'want'? Who or what is driving that 'want'. Check your mood (applies to eating things you shouldn't as well). Are you sad, fed up, angry, bored. Think about that feeling (all feelings are valid). Will that purchase (or comestible) solve the problem? How else can you deal with it or make yourself feel better?


    R Repairs Every little helps. Last month I was congrtatulated on being able to sew/ alter my own clothes. It's a skill I am glad to have (largely self-taught although surrounded by sewers). However something as simple as knowing how to sew on a button can help. Would you throw out a blouse (which cost you £30? - sorry I only know charity shop prices) because a button fell off? Many people do. Fix something in your house or wardrobe this month and feel good about it. The days are getting longer. Make a list of small household jobs and repairs that need doing (even tidying 'that' drawer which never gets sorted). Start with the things you can do yourself for little or no cost.


    A Attend regularly. Daily posting is recommended. If you can't face posting (usually when we have done something wrong) carry on reading. We mostly confess after a day or two and the turtles will help you aviod the 'mistake' in future.


    T Try to follow the rules. Turtle rules are tough (and can be confusing at first). You sign up to the rules and should try your best to follow them all. No turtle is ever left behind. Think of the rules as woodworking tools. A hammer (something we can all use?) knocks nails into things/ joins things together, sometimes a bit crudely. Think about saws (all different types for different jobs), chisels and planes and different fixings (screws, nuts and bolts). Think about the fine furniture you could make if you could use all those tools properly.


    Turtle rules are like those tools. Some are simple and effective – if you avoid shops (and the internet) like the plague, you will save money. Some are more subtle, may require skill in applying, take longer to fully utilise but he more rules you use, regularly, the easier it becomes to reach your target.


    H Health. Another important facet of the turtle gang. I promised you a marathon, we will be getting down and dirty with lots of sweaty lycra (optional) exercise. Lots of turtles have weight loss as a goal and for that we need to look at food intake and getting moving. Healthy eating I am going to be boring and say eat your veg. Very few of us are getting enough. Healthy exercise check your existing target and step it up 5 days a week. Do a bit more (extra class/ add to the length of your walk or run/ do more at home). Mental Health lots of us are suffering setbacks, low moods and stress. I will not be setting weekly mini-challenges this month but I have seen a 21 day wellness exercise which I might quote and I also have the book of mindfulness exercises. I will be continuing the daily gratitudes, you decide if you want to.


    O Outside. Lovely place. Get out there as often as possible, soak up any available daylight (it is really sunlight, I promise, even if it doesn't feel like it). Enjoy those invigorating breezes (imagine you are on a tropical island, it's all a question of degree). Helps to boost your immune system.


    N No Spend Days. Aim for 15. If you made it in February, March is easy because you have days on which to spend. If you didn't quite make it, believe you can do it this time and plan to do so. If you do not follow the NSD target as you have another way that works for you, carry on. The original idea of NSDs is to avoid 'popping into' the shops for one or two things and coming out with a basket load. If you are disciplined enough to buy only what is on your list (ys or yellow sticker goods are exempt, provided it is something you will use or a treat you would only buy at a greatly reduced price). Medical necessities (including hospital parking), ys goodies (as long as nothing else is purchased) and filling up with petrol (again as long as it is from a set petrol budget – or diesel- and nothing else is purchsed) will not lose you a NSD. Unfortunately chocolate is not a medical necessity.
    Last edited by mothernerd; 26-02-2017 at 12:21 PM.
    Building a rainbow of happiness and joy
    NST Sep #14 SFD 11/18 Spent £53.84/ £60
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
Page 16
    • Eager_Elephant
    • By Eager_Elephant 12th Mar 17, 8:28 PM
    • 4,081 Posts
    • 21,907 Thanks
    Eager_Elephant
    Ooh another NSD taking me to 5 for the month so far.

    Thought I would spend today as really need soya milk, popped into Tesco on Fri but could only get 6 cartons, I usually buy 16 at a time. Had to go to rubbish tip with some metal but there was a queue while a lorry took away one of the skips so by the time we had unloaded and visited my mum and nieces the shop was shut.
    Will try to get some in the week instead.

    Today I am grateful for:
    1. Lovely weather
    2. Time spent on our field and allotment
    3. The lovely village I live in - loads of people stopped to chat while I was on the allotment ( a public footpath runs along the front of them all)
    Ninja Saving Turtle No. 20 for August
    NSD - 0/18
    (up to 01/09/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • apple muncher
    • By apple muncher 12th Mar 17, 8:53 PM
    • 6,331 Posts
    • 46,076 Thanks
    apple muncher
    Today I am grateful for fast trains, for seeing my sister, for lots of chatting at mum's church, for a couple of homes suggestions to follow up, for a new jigsaw, for hugs from dd, for being home, for getting a forward facing table seat with a socket all to myself, for leaving some soup in the fridge last week instead of eating it which means I have food for tomorrow's lunch, for having people around me to support me when it all gets too much.
    NST Sept scrimper #2; NSD 15; Ex 14; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 116

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Lauralozzle
    • By Lauralozzle 12th Mar 17, 9:11 PM
    • 409 Posts
    • 3,776 Thanks
    Lauralozzle
    Yesterday was a NSD. Today wasn't - went shopping for this weeks supplies and found some good yellow sticker bargains too.

    Now at 6/15 NSD.

    Today I'm grateful for the lovely weather we've had today. Lots of sunshine and mild temperatures.
    I'm also grateful to myself for sticking to the diet plan today. One day at a time.
    September grocery challenge £275.68/£275| Emergency £1,000 challenge - £55/£1,000 | September NSD 13/18
    Credit Card: £245 (0%) | Car Finance: £8,427 (7.9% APR) | Mortgage: £111,817 (3.99% APR)
    Wedding Fund: £3,564.74
    • mothernerd
    • By mothernerd 12th Mar 17, 9:35 PM
    • 2,032 Posts
    • 20,614 Thanks
    mothernerd
    Greent thumbs up for borrowing costumes.

    EE got to love free guttering.

    Apple lovely gratitudes.

    Moll hope everyone is on the mend now and wow to teh food processor.

    Chasing Sunshine dancing in heels - so brave.

    Fmess if your dog(s) think(s) you are the best, don't seek a second opinion.

    Skint Teacher Thank you.

    ccl hope you had a relaxing day.

    mrshubbard doing great on the challenges.

    Lauralozzle well done on sticking to your diet. I am eating a lot less rubbish but am torn between eating what I should and clearing out the freezer.

    I am tired but happy. felt starnge earlier but got myself out of it. I have made rice salad, bean salad, chunky coleslaw (low fat dressing rather than mayo), 5 portions of (veg heavy) chilli, 2 cauliflower dhal, 1 cheese sauce (1 eaten with cauli and pasta) and 4 or 5 portions of veg curry (waiting for more boxes to dry).

    Remaining things from the freezer are stuffed in the bottom of the fridge and freezer has been turned off. Hopefully can wipe it and set it off again in the morning and then start to restock. Want to bake as well (would have had to buy milk to bake and am too tired now anyway). 3 chicken breasts are defrosting and will be tandooried tomorrow.

    Used up all sorts of odds and ends (and lots of frozen veg). Been up and down the yard to the bins like a yoyo. Nearly all the washing up is done, too.

    Today I am grateful for a pleasant and productive cooking session, for life on the car park -two young men mending a roof, and for cheap and healthy food to eat. A NSD too.
    Building a rainbow of happiness and joy
    NST Sep #14 SFD 11/18 Spent £53.84/ £60
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
    • Fmess
    • By Fmess 12th Mar 17, 9:53 PM
    • 2,519 Posts
    • 23,748 Thanks
    Fmess
    Today I am grateful for:-
    - lovely friends and family
    - a really long walk in the countryside, I need to do this more frequently
    - feeling cheery all day
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New Roof Debt £1425/£8542
    SeptNST #? SFD 1/18 Food 101.16/120 Personal 160/200 Petrol 50/100
    • misstara
    • By misstara 12th Mar 17, 10:36 PM
    • 2,363 Posts
    • 16,361 Thanks
    misstara
    Another NSD taking me to 5/15. We had planned to get some things for the garden and walk along the beach but felt crappy and tired after work so just came home and crashed on the sofa with a book.

    Had a look at the laptop, letters d and q are also not working as well as the s. It turns out OH 'may' have spilt some tea on it I've not been able to swap the keys to other ones but have worked out how to use the on screen keyboard so at least I can get into my emails and post on the forum again from it.

    A busy day to look forward to at work tomorrow so better get myself to bed shortly.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1516.52 (34.1% paid)
    Mini Targets
    Exercise target - Run 6/8, Gym 1/4. Groceries target £125.61/£150. NSD target 8/18.
    • Jo Blogs
    • By Jo Blogs 13th Mar 17, 5:14 AM
    • 751 Posts
    • 2,593 Thanks
    Jo Blogs
    Good morning everyone Hope you all have a great NSD
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44 for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 Sept NSDs 4/15CCCChl 9/12 months
    Sept PPChl#002 Pts 71
    • f0xh0les
    • By f0xh0les 13th Mar 17, 7:42 AM
    • 937 Posts
    • 6,706 Thanks
    f0xh0les
    Not going to be a NSD today. Car going in for a few repair bits. About £400 worth I think. They got flagged at the service and was told to book them in for Feb (?) so today they get fixed.
    Yay! for the safety/reliability
    boo for the spending £400
    Dropping it in at 9ish, they say it will be ready before school run pick up time at 2 .....
    MFW May 16 £118,340
    September 17 - £109,896.73
    • SpekySquarehead
    • By SpekySquarehead 13th Mar 17, 9:02 AM
    • 1,660 Posts
    • 12,876 Thanks
    SpekySquarehead
    Good morning everyone,

    This weekend was a test for me.

    I'm a huge sports fan and with the rugby and football on over the weekend, while all my friends either attended our were out at it, I stayed strong and declined in order to save cash.

    So NSD on Saturday and my usual mandatory groceries and petrol on Sunday.
    Debt Free Date: 29/09/16
    • Calling14
    • By Calling14 13th Mar 17, 10:07 AM
    • 2,483 Posts
    • 18,465 Thanks
    Calling14
    Happy Monday folks.

    Sorry didn't post yesterday, ended up in bed by 7pm again Saturday night with another bout of migraine - so much for feeling wonderful after all vitamin tablets.

    Booked day off this week to see if a break from a computer will help.

    Yesterday I took myself out for lunch, had a lovely roast dinner, did a bit spending house, bought myself some food items and new slipper boots. Used 10 pound voucher in sainbobs so total spend was 21 pounds including lunch and house bits. Well pleased with that.

    Today claiming a SFD 4/15 going to work on spends this week.

    Will unsubscribe to emails as they try to attack me.

    Grateful for
    Weight this am from 13st to 12st 11lbs
    Having a short week in work
    Friend drilling holes in my new plant pot
    LBM 13039 1.1.13 NOW 1460
    PAYDBX 2017 #16 2840/4300 DFD 12/17
    E
    Fund #9 £30/£1,000
    1 x 100 days challenge 242/2000 ends 29/12/17


    • thriftylass
    • By thriftylass 13th Mar 17, 10:52 AM
    • 3,002 Posts
    • 24,524 Thanks
    thriftylass
    Hello again (after my usual weekend forum abstinence).

    Had a great but busy weekend. DH was away at a football and drinking session. So I was on my own with the kids most weekend. Finished my DIY projects (guest bedroom and boiler room). So this week I will restore order, i.e. tidy up all the tools and materials, catch up with the cleaning and tidying in general that has been neglected and either read or craft in the evenings. Also got some weeding done in the garden. DH will be away for two nights with work next week and I think I'll try and start my next project (our bedroom) then. Cut DD's hair and again she was upset that I left it too long (chin length bob) as it's not like her brother's.

    Preparing some salad pots for the weekend was a success. Whenever the rest tucked into cooked breakfast or bagels and cream cheese etc. I had one of them. Already starting to feel lest bloated.

    Will have to chase up the PO. Got a card through the door that a parcel is at the local PO but it wasn't there. Luckily DS's birthday is not till May.

    Today I'm grateful for
    *less bloating
    *finding some fellow diy and gardening enthusiast in my colleagues
    *a nice day for a run
    Last edited by thriftylass; 13-03-2017 at 11:01 AM.
    NST Sept 1
    SFD14/18 spends 5xx/400
    Exercise 14/20 Amazon vouchers for xmas £0
    Debt - all 0% 1436 to go from 5290 (72% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • mothernerd
    • By mothernerd 13th Mar 17, 12:37 PM
    • 2,032 Posts
    • 20,614 Thanks
    mothernerd

    I'm a huge sports fan and with the rugby and football on over the weekend, while all my friends either attended our were out at it, I stayed strong and declined in order to save cash.
    Originally posted by SpekySquarehead
    Excellent, well done Speky

    Happy Monday folks.

    Will unsubscribe to emails as they try to attack me.

    Grateful for
    Weight this am from 13st to 12st 11lbs
    Having a short week in work
    Friend drilling holes in my new plant pot
    Originally posted by Calling14
    Reminds me of the "I try to take one day at a time - but sometimes a lot of days rush at me, all at once."

    Sorry you have been ill again, hope the day off helps. I would check with the doctor if it continues, just in case.

    Splendid weight loss.

    Hello again (after my usual weekend forum abstinence).

    Finished my DIY projects (guest bedroom and boiler room). So this week I will restore order, i.e. tidy up all the tools and materials, catch up with the cleaning and tidying in general that has been neglected and either read or craft in the evenings. Also got some weeding done in the garden.
    Originally posted by thriftylass
    Hooray for productive weekends. I'm afraid some of my tools are still up here (in their room so barely accessible). However I've only recently managed to move out the last of the craft stuff from under the stairs (was waiting for DS3 to re-arrange the front room so that my cube shelves could go where I originally intended).

    Tools live under the stairs (in theory)

    My garden needs work but (under my new work smarter, not harder regime) I have decided the first step will be to squirt path weedkiller (the only commercial weedkiller I use) on the cracks in the paths and bits of the walls where things are growing up - nowhere near where my crops will be. It may not do the whole job but will make it easier.

    F0xh0les yay to safe transport.

    Who stole my morning? Have frightened myself by going in the kitchen - so much to do

    3 point strategy
    1 Found a towel that Beloved had used for her hair (and left on the floor in their room) and put it over the huge puddle (floor still slopes so puddle is not where the freezer is
    2 Retrieved rice salad from fridge, got a spoon and retreated to bed (need to refuel and pause to think)
    3 Focus about the task I am going to do when I have eaten - and only that one. Going to put some of the washing on the line as there is sunshine somewhere behind those grey clouds.
    Last edited by mothernerd; 13-03-2017 at 12:53 PM.
    Building a rainbow of happiness and joy
    NST Sep #14 SFD 11/18 Spent £53.84/ £60
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
    • mothernerd
    • By mothernerd 13th Mar 17, 12:53 PM
    • 2,032 Posts
    • 20,614 Thanks
    mothernerd
    Day Thirteen
    Use It or Lose It
    Slightly off topic (but pertinent to the thread) This is

    The (anti) Shopping List
    Before you buy anythingconsider if you could
    1 Recycle
    2 Upcycle
    3 Borrow
    4 Salvage
    5 Repair
    6 Do Without
    7 Buy Secondhand
    8 Create
    9 Swap
    10 Grow

    Not suggesting that you use one of these today but plenty of food for thought. The old Gaia guide was shorter (some of those categories are fairly synonymous) but also included (when a purchase must be made) can you buy it from a charity and lastly buy from a co-op.

    Wellbeing Day Thirteen
    Send an encouraging text to 5 people.

    Think that's a bit onerous (I can't text on the new phone - had only just learned on the old one). Think of an encouraging message for your fellow turtles.

    Inspiration
    Never let a dress code get in the way of fun socks.

    Having a sense of humour gets you through lots of bad times turtles (and I do love my socks).
    Building a rainbow of happiness and joy
    NST Sep #14 SFD 11/18 Spent £53.84/ £60
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
    • Calling14
    • By Calling14 13th Mar 17, 2:29 PM
    • 2,483 Posts
    • 18,465 Thanks
    Calling14
    Had to pay out today an admin fee 3.99 in the hope of resolving and getting a replacement hoover. So much hassle now need to take photos of it. Fingers and toes crossed.

    So my SFD now to 3/15.

    Haven't moved from my chair today and it looks lovely outside. Will fit a walk in after work.
    LBM 13039 1.1.13 NOW 1460
    PAYDBX 2017 #16 2840/4300 DFD 12/17
    E
    Fund #9 £30/£1,000
    1 x 100 days challenge 242/2000 ends 29/12/17


    • greent
    • By greent 13th Mar 17, 4:52 PM
    • 6,213 Posts
    • 62,956 Thanks
    greent
    NSD today (not yesterday - small spend at different smkt - already taken account of in sig) Volunteered for 4 hours this morning and brought a bootful of rubbish and recycling home to go in my recycling/ black bin ( we only produce less than a kitchen bin of waste a week, so there's always loads of room in my bin) and a pile of paperwork () Grabbed a quick lunch from ready prepped food yesterday and then did around 45 mins of ironing (inc some bedding) School pick up number one, then a quick Joe Wicks HIIT and then school pick up number 2. Will shower after smallest is in bed as may fit in a quick session on cross trainer if I can be bothered/ my legs will stand it! Dinner is a HM read meal form the freezer, so that's an easy sort I have a load of washing almost dry on the line (beautiful day here after a frosty start) so will look to iron that later on if I can find something suitably mindless on the tv

    I like fun socks - today's, however, are not so fun -looking ombre style in greys. V comfy though

    Today I am thankful for:
    * my neighbour taking my parcel in whilst I was out volunteering
    * a quick chat with some mums at school to find out some info about a performance DS2 is in
    * beautiful weather
    * glorious daffodils
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £4151/£3286
    Net sales 2017 £1152.39/£500 PAYDOX17 £11333/£10k Decluttered 1552/2017 items
    • mrshubbard
    • By mrshubbard 13th Mar 17, 5:36 PM
    • 175 Posts
    • 1,136 Thanks
    mrshubbard
    Went for our weekly shop which was £30 rather than the usual £50 as still lots of food to be going on with. Because we needed so little a few treats went in but if we deprived ourselves we'd just give up in the long run. We love our food!

    Took little man to a toddler class which was £3 and def money well spent. Got me a 2 hour break as it wore him out. Like a little exercise class

    Other than that just jobs on the house- general tidying and a new roof now on our little brick shed. Did a yougov survey and now 25p off a £50 cheque Ipsos one is building up quickly - already got a £5 voucher I can claim and nearly up to the next one.

    I did some email unsubscribing ( I get so many I tend to miss half of the important ones) found one reminding me I'd not claimed my meerkat or 2 for 1 cinema tickets yet so that is done.

    I'm wearing bright, mustardy yellow Christmas socks with gingerbread men and one stray penguin on each

    My words of encouragement are:-

    "Stop beating yourself up. You are a work in progress which means you get there a little at a time, not all at once."

    Just need to tell myself this too
    1 debt vs 100 days -£100/£1600
    Debtfree by Xmas17 #161 £100/£3286
    365 day penny challenge - £94.14/£667.95
    NST - 3/16 NSDs £140.16/£250 food 0/£60spends
    Debts - CC1-£4438.89 £4393.72 CC2-4560.38 £4160.38 CC3-£10,326£10,155.85 CC4 - £3286
    • Lauralozzle
    • By Lauralozzle 13th Mar 17, 6:56 PM
    • 409 Posts
    • 3,776 Thanks
    Lauralozzle
    I love be fun socks! Today I've got pink my little pony socks on

    Today has been a NSD - so I'm now at 7/15. Nearly half way!

    Today has felt like a long day at work - but I've got lots done, and I'm pretty up to date with everything. I just need to keep slogging through to get my flexi back into positive figures! I'm currently minus 5 hours!!!

    Today I'm grateful for the fact I had made and prepared my lunch. It was easy to grab. Also grateful that I made loads because tomorrow's lunch is sorted too.
    September grocery challenge £275.68/£275| Emergency £1,000 challenge - £55/£1,000 | September NSD 13/18
    Credit Card: £245 (0%) | Car Finance: £8,427 (7.9% APR) | Mortgage: £111,817 (3.99% APR)
    Wedding Fund: £3,564.74
    • SkintTeacher
    • By SkintTeacher 13th Mar 17, 7:30 PM
    • 323 Posts
    • 1,872 Thanks
    SkintTeacher
    Good morning everyone,

    This weekend was a test for me.

    I'm a huge sports fan and with the rugby and football on over the weekend, while all my friends either attended our were out at it, I stayed strong and declined in order to save cash.

    So NSD on Saturday and my usual mandatory groceries and petrol on Sunday.
    Originally posted by SpekySquarehead
    well done. It's so hard to decline fun stuff. Hope you still had a great weekend.
    • SkintTeacher
    • By SkintTeacher 13th Mar 17, 7:40 PM
    • 323 Posts
    • 1,872 Thanks
    SkintTeacher
    NSD 8
    Funnily enough I'd already sent 3 encouraging texts today, so I'll scout out 2 more.
    I'm a very boring sock person - black or sports socks for me. But i like the sentiment.
    I'm grateful for many things today:
    1) a walk to work and from work AND a 45 minute walk at lunch to see all the beautiful spring flowers and breath the fresh, clear air - although this now means all my marking must be done now instead!
    2) a (relatively) tantrum - free evening. Struggling at the moment, 4 yo has re-discovered the word 'no'
    3) my weight is steady but I can feel the difference in muscle tone and strength so I've decided to stop weighing myself for a bit and concentrate on healthy intake and lots of exercise
    4) I asked my mum over tonight and it was lovely to chat
    5) OH has taken the bait (I invented some work-based reason) and swapped his shift so his friends can 'casually' turn up at work and take him off for his stag do. Also arranged with his boss to cover the shift (teehee). Grateful for their cooperation.
    6) chats with colleagues
    hope everyone is ok x x x SkintTeacher x x x
    • f0xh0les
    • By f0xh0les 13th Mar 17, 9:14 PM
    • 937 Posts
    • 6,706 Thanks
    f0xh0les
    Day Thirteen
    Use It or Lose It

    Inspiration
    Never let a dress code get in the way of fun socks.

    Having a sense of humour gets you through lots of bad times turtles (and I do love my socks).
    Originally posted by mothernerd

    I feel the same way about stripy tights.
    MFW May 16 £118,340
    September 17 - £109,896.73
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