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  • FIRST POST
    • mothernerd
    • By mothernerd 25th Feb 17, 7:40 PM
    • 2,025Posts
    • 20,546Thanks
    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 9/18 Spent £53.84/ £60
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
Page 17
    • apple muncher
    • By apple muncher 13th Mar 17, 9:20 PM
    • 6,287 Posts
    • 45,802 Thanks
    apple muncher
    Today I am grateful for a sunny day with a crisp edge to it, for beng able to run, for my y9s being out on a trip (shame...), for my y10s really going for it with their spoken French, for dd and next door playing together, for dd's artistic skills (not from me - even my stick men do not look like sticks...), for getting home early, for dh cooking tea, for birdsong, for living where there is a good, nay excellent, bus service.
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • abundant1972
    • By abundant1972 13th Mar 17, 9:30 PM
    • 1,177 Posts
    • 8,597 Thanks
    abundant1972
    Evening...

    Apologies for my absence over the weekend. I'm not sure what happened - felt blue all weekend. I seem to be like this around every full moon - a pattern I've noticed. I guess we are mostly water so it must affect us somehow?

    Anyway - Bagged one NSD taking me to number 6 on Sunday... Otherwise - I did nothing. No exercise. Nothing productive other than laundry and cooking. Haven't been like that for a while. Anyway - picked myself up - tidied up my space, and threw myself into the week - though feeling pretty burned out and it's only Monday! I just have to get through tomorrow, have an early night, and reconnect with life on my day off on Wednesday.

    I'm caught up on posts, and will re-join the daily challenges tomorrow evening...

    Today I am grateful for:
    • A phone-call from Mum
    • A good lecture at work
    • Supportive colleagues
    I'll update my signatures tonight. Take care all x
    Repay Car : Phase 2 : £0/£500 by 13/09
    Follow your heart & be true to yourself always
    Help To Buy ISA = £4683.65. EF = £1250/£4500
    NST Sept : NSD=1/16 : Food £25/£100 : Spends £25/£100
    365 Day 1p Challenge = £556.80/£667.95. £1.00 a Day = £273.00/£365.00
    Spiritual Practice =0/31. Exercise Sessions 1/14. Cash Bonus = £26/£150 + £267/£399
    • mothernerd
    • By mothernerd 13th Mar 17, 9:43 PM
    • 2,025 Posts
    • 20,546 Thanks
    mothernerd
    Greent loads of exercise.

    mrshubbard toddler exercise sounds like fun.

    Lauralozzle my little pony socks?

    SkintTeacher I started buying coloured socks to stop the boys taking them. I was using some that DS3 had bought (he needs size 13- 15) but am currently losing them as I can't tell which are mine and which are Beloved's.

    F0xh0les don't think I have ever worn stripy tights (prefer stockings generally or best of all long skirts so I can do without) bt i have worn fishnights.

    I am definitely not firing on all cylinders today but had pottered along, washing has been out on the line, the chicken breasts were rinsed, marinaded and cooked and clean pots went back in the cupboards. Also made a temporary solution to a broken post to which one of the washing lines was attached.

    Baking, cleaning the freezer and shopping can wait until tomorrow. Writing a list as there are a number of 'odd' items which need to be bought from individual shops.

    Have decide the item I was making for mother's Day will not be ready (unless I make big compromises elsewhere - I am learning to be realistic) so need to do something else (big project can carry on to her birthday in August). I like the phrase 'Mothers are like buttons - they hold everything together. Will embroider that in a simple script then decide on embroidering the 'buttons' or just sewing real ones on.

    Today I am grateful for pleasant weather, for getting things done despite being weak and wobbly (although did swear when I got back upstairs and had left the 2 l water bottle downstairs) and good food to eat (rice salad, chilli and salmon, broccoli and wedges).
    Last edited by mothernerd; 13-03-2017 at 9:50 PM.
    Building a rainbow of happiness and joy
    NST Sep #14 SFD 9/18 Spent £53.84/ £60
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 13th Mar 17, 9:49 PM
    • 583 Posts
    • 3,161 Thanks
    swimminginaseaofdebt
    Evening everyone

    Sorry I’ve not checked in for a while, had a bit of a cold so there was some napping and a few early nights going on for me. Unfortunately, during this time I took my eye of the MSE ways and overspent a bit in the shops picking up bits and pieces for convenience. However, I did stick to the outside bit of the challenge making sure I walked to where I was going whenever this was possible. Me and the little one also had a trip to the park. I managed to throw more money at the debt and I have now paid off over £1000 this year, woohoo!

    Anyway I am feeling better now and trying to get back to my MSE ways. I have devised a meal plan for myself for the week ahead and I spent time yesterday and today batch cooking meals for the little one. I’m currently reading an enjoyable Jill Mansell book from the library, I do love a bit of chick lit
    Pay all debt off by Christmas 2017 #150 - £1868.05/£3729.05
    ,
    SPC10 #564
    • Moll
    • By Moll 13th Mar 17, 11:58 PM
    • 132 Posts
    • 800 Thanks
    Moll
    Had a productive weekend. Green bins start this week (To be emptied) so DH trimmed the bushes and filled the bin , I have a raised bed ( Garden) and I take flowers to family members in the cemetry every week so ive planned to put flowers in there to grow and cut, Was looking in wilkos for seeds and bulbs and my friend said she had loads in her garden that are already established that we can dig out and put in my garden to grow, so im going to ask other friends what they have, As well as saving money, I like this idea of having a "Friends Garden" of flowers.
    Really feel for everyone struggling with bills for car repairs, My husband is a mechanic, and keeps all our family , friends and neighbours cars running really cheaply. don't know what we'd do without him ,
    today im thankful for
    thoughtfull friends on the same wavelength as me.
    DH being a mechanic
    An unexpected visit from my grandchildren
    • Jo Blogs
    • By Jo Blogs 14th Mar 17, 3:46 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
    • indigowarrior
    • By indigowarrior 14th Mar 17, 6:58 AM
    • 274 Posts
    • 1,974 Thanks
    indigowarrior
    Hello all- I am back from my very expensive holiday. I am so dissapointed in myself. I have a budget written out now so we should be okay until the end of the week. However today will not be a no spend day as I have food to buy.
    #545- SPC
    Homeowner by 40
    August Nsd 1/15
    • SpekySquarehead
    • By SpekySquarehead 14th Mar 17, 8:34 AM
    • 1,650 Posts
    • 12,797 Thanks
    SpekySquarehead
    Good morning chums,

    A NSD yesterday for me and today will be too

    Got my lunch with me and I'll have a cheeky wee omelette tonight.
    Debt Free Date: 29/09/16
    • Bobarella
    • By Bobarella 14th Mar 17, 8:49 AM
    • 10,467 Posts
    • 69,397 Thanks
    Bobarella
    Morning All

    Mothernerd sorry for not getting here as much as I'd like. I am having a bit of a wobble at the moment about what I'm doing with myself in general.

    Reading as much as possible

    Bob
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • ChasingSunshine
    • By ChasingSunshine 14th Mar 17, 10:55 AM
    • 88 Posts
    • 697 Thanks
    ChasingSunshine
    Hope things settle down soon Bob.

    Have been reading but head is all fuzzy with the start of a cold so can't remember what I wanted to comment on.

    Counting down the days until the end of the week and then holidays. Have managed to avoid going on a pre holiday shopping spree as have pretty much all I need already. Just need to get it all washed and packed over the next few evenings.

    Today I am grateful for holidays being close, a family whatsapp group and life being much easier at work as things starting to come together for starting a big project
    • thriftylass
    • By thriftylass 14th Mar 17, 11:02 AM
    • 2,980 Posts
    • 24,344 Thanks
    thriftylass
    Hello,

    another SFD today and hopefully a swim at lunch time.

    Finally managed some cleaning and tidying last night. Tonight I might start tackling the conservatory. Now that the sun is out more and spring is in the air I need to clear all the junk out and maybe make it usable. Plus I need it as a green house soon too.

    Not sure what to do about the blinds in the conservatory though. They're the metal Venetian ones but every year they develop a layer of mould (?). They are not easy to clean and there are loads (there are about 10m worth of them). Not sure what we could replace them with that is inexpensive and maybe easier to wash (roman blinds, roller blinds?).
    NST Sept 1
    SFD11/18 spends 447/400
    Exercise 9/20 Amazon vouchers for xmas £5
    Debt - all 0% 1436 to go from 5290 (72% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • mothernerd
    • By mothernerd 14th Mar 17, 11:22 AM
    • 2,025 Posts
    • 20,546 Thanks
    mothernerd
    Day Fourteeen Use it or Lose It

    Gym membership is one of the things most often paid for and not used. The item found again again in people's garages is the abs trainer frame.

    If you use your gym, that is fine. I know that monthly/ yearly subscription giving you unlimited access, sometimes with classes included is very cost effective.

    However if you are returning to fitness and aren't training then start by using what you have. Walking is the best exerccise there is, suitable for all ages and levels of fitness. When I used the local authority gym, I would walk the 2 miles there, do an hour in the gym followed by an hours swim and then walk home. I was amazed by the number of people who would drive to the gym, exercise then drive home. Ditto the people who put their dogs in the car, drive them to the local park for a walk and then drive home. I know some of them must be time poor but many were not.

    Likewise don't invest in unnecessary equipment, use baked bean cans or bottles of water as weights to begin with (worth keeping an eye on the charity shops when you do want to buy equipment - including exercise bikes/ cross trainers and the old abs thing).

    One very wet day in my old house I opted to exercise by putting away each item of washing up away singly, walking once round the kitchen, alternating the direction I moved. Then I found a small plastic toy box and put that on the floor, so did a step up and down on each circuit.

    Include walking (and taking the stairs) in your everyday activities.

    I know many of you already do theses things, please feel free to add you own tips.

    Day FourteeenWellbeing

    Wake up 30 (10 will do) minutes early to pray or meditate.

    Inspiration

    How you treat others, is how you really feel inside.
    Building a rainbow of happiness and joy
    NST Sep #14 SFD 9/18 Spent £53.84/ £60
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
    • FurryBeastOz
    • By FurryBeastOz 14th Mar 17, 11:31 AM
    • 1,079 Posts
    • 14,266 Thanks
    FurryBeastOz
    I'm being very MSE out here. I am only buying ski passes when I need them - a couple of people looked at me like I was mad on day 1, but many of them are not skiing today because of sore legs, and I'm feeling smug

    I'm sitting in the sun eating my packed lunch (from breakfast) and they are spending a fortune on tea, coffee, pastries and chips. I'm determined not to have out on weight by the time I get back. We will see. I'm planning an afternoon in the sun with a book today as Nordic walking is cancelled.

    My gym membership gets used almost daily at home, and I got a six session pass here. Just been and am feeling thoroughly exercised. 1 1/2mile uphill hike to go - unless I give in and get the free ski bus
    Last edited by FurryBeastOz; 14-03-2017 at 11:34 AM.
    *** Debt Free***
    NST September - /18
    Goals - Weight loss 0/13lb from 1st Jul 17
    GC To 1/9/17 £2152.27/£3,500, 61.5/66.6% of the year. Had to raise budget
    • thriftylass
    • By thriftylass 14th Mar 17, 11:57 AM
    • 2,980 Posts
    • 24,344 Thanks
    thriftylass
    Day FourteeenWellbeing

    Wake up 30 (10 will do) minutes early to pray or meditate.
    Originally posted by mothernerd
    Strangely enough I woke up half an hour earlier today. So I went downstairs and had my coffee in peace before everybody else woke up and enjoyed looking out to my back garden in the sun and planning more diy projects. Great start to the day....
    NST Sept 1
    SFD11/18 spends 447/400
    Exercise 9/20 Amazon vouchers for xmas £5
    Debt - all 0% 1436 to go from 5290 (72% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • indigowarrior
    • By indigowarrior 14th Mar 17, 12:02 PM
    • 274 Posts
    • 1,974 Thanks
    indigowarrior
    Strangely enough I woke up half an hour earlier today. So I went downstairs and had my coffee in peace before everybody else woke up and enjoyed looking out to my back garden in the sun and planning more diy projects. Great start to the day....
    Originally posted by thriftylass
    I actually also woke up early. I threw some clothes in the washing machine and tidied up a little.
    #545- SPC
    Homeowner by 40
    August Nsd 1/15
    • mothernerd
    • By mothernerd 14th Mar 17, 12:20 PM
    • 2,025 Posts
    • 20,546 Thanks
    mothernerd
    Calling beat the hoover people into submission.

    SkintTeacher hoping you have many more tantrum free evenings.

    Apple I am loving your gratitude lists atm, sounds as if you are in a really good place.

    Hugs abundant. Silence that negative voice at once. We are all entitled to 'sloth' every now and then - it's called recharging your batteries. Remember 'Nearly everything will work again if unplugged for a while then switched back on, including you.'

    swimminginaseaofdebt
    Over £1000 already this year (nearly 1/3 of you target and not even a 1/4 of the way through the year)


    Moll the friends garden sounds lovely and veryas does growing your own flowers. Mum went last week (on the way to being driven to a hospital appointment) and was intending to buy 4 sets of flowers for each grave . Neither of us could go at Christmas, it's both my grand-father's anniversaries/ birthdays this month and in advance for Easter. Thankfully she changed her mind when she saw the prices.

    indigowarrior You paid for the holiday didn't you? It hasn't added to your debt? It is a 'sunk cost', you can't get the money back or use it for anything else. So did you enjoy it ? maybe it's not something you would do again but the waste would have been in not enjoying it.

    Speky adopting an eminently sensible regime to get back on track after the stag do and not moaning - good man.

    Bob Take a deep breath. Are you still worried about cash flow? (don't need to tell all). Lots of hugs. You have been very pro-active about changing your working life (going from a high powered job to running the deli,then trying to do it all by yourself and taking it in a new direction to benefit yourself and your family).

    They say in business that you should make a decision as soon as you can - if it's the right decision all is well, if it's the wrong decision it will soon come back and slap you in the face. Maybe this latest incarnation of the business isn't working (feel free to tell me to mind my own business) and it's time to make another decision.

    It might feel hard as you have invested so much time and energy in it but think of all the extra skills you have acquired. You will ahve many more options open to you when baby Bob starts school (not that I am wishing your life away). It is not the end, but maybe a new stage in the life of family Bob.

    Look after yourself, do what works for you and your family, congratulate yourself for everything you have achieved and if it is the right time, let it go.

    Chasing Sunshine enjoy your holiday.

    Thrifty I don't know much about blind options. Could you treat this year's cleaning as a special workout and investigate your options. Then you could buy/ install in autumn or wirnter (thinking it will be cheaper then).
    Building a rainbow of happiness and joy
    NST Sep #14 SFD 9/18 Spent £53.84/ £60
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
    • indigowarrior
    • By indigowarrior 14th Mar 17, 12:59 PM
    • 274 Posts
    • 1,974 Thanks
    indigowarrior
    True. I had been thrifty with cheaper tickets and hotel prices.
    #545- SPC
    Homeowner by 40
    August Nsd 1/15
    • SkintTeacher
    • By SkintTeacher 14th Mar 17, 1:22 PM
    • 323 Posts
    • 1,871 Thanks
    SkintTeacher
    nsd 9

    Grateful for
    fine weather for a lunchtime walk
    My weight seems to be going down again (although not now a focus, nice to see it continuing!)

    Bought a mother's day present last night and spend the £20 instead of the intended 10. Oops...
    Last edited by SkintTeacher; 14-03-2017 at 5:28 PM.
    • SpekySquarehead
    • By SpekySquarehead 14th Mar 17, 1:38 PM
    • 1,650 Posts
    • 12,797 Thanks
    SpekySquarehead
    Speky adopting an eminently sensible regime to get back on track after the stag do and not moaning - good man.
    Originally posted by mothernerd
    Well remembered.

    Yes, that's exactly what I'm doing. 17 days till payday (not that I'm counting)
    Debt Free Date: 29/09/16
    • crazy_cat_lady
    • By crazy_cat_lady 14th Mar 17, 2:11 PM
    • 3,327 Posts
    • 28,578 Thanks
    crazy_cat_lady
    I woke up early this morning, feeling physically better than I have done in months.... Got up early, did a couple of rows of my crochet blanket, had breakfast, got to work on time and headache free and have promptly had my worst teaching day for months. It's agony when everything goes wrong like this, and I've had a bad day today. Still I am comforting myself with knowing that it's one bad day in a sea of otherwise good days at the moment. I've just got to ride this one through and get on with it.
    Meeting after work and then I can go home and forget today ever existed, go to bed and start afresh tomorrow.
    Sorry I'm not keeping up so well this month - I've lost track of my nsd's and the big birthday is looming large and stressing me out. I feel ok - not great, but like I'm managing.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
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