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  • FIRST POST
    • mothernerd
    • By mothernerd 25th Feb 17, 7:40 PM
    • 1,889Posts
    • 19,168Thanks
    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 2017 Weight loss 4lb NST May No S17FD 13/16 Budget Food109.39/ £100 Transport £8.7/£10.Ext £20/ £20 EF 28/01/16 Mortgage Free 5.1 1982 Debt Free 11/01/2016
    Progress through plodding, baby steps and purposeful pottering
Page 18
    • abundant1972
    • By abundant1972 14th Mar 17, 6:35 PM
    • 1,141 Posts
    • 8,280 Thanks
    abundant1972
    Evening everyone...

    Mothernerd - thank you! That made me smile. We do that all the time at work with anything that stops working... Switch it on and off - and hey presto! I love that analogy... I will be sure to give myself permission to do so every once in awhile.

    Today I am grateful for:
    • Amazing clients that help to give me a sense of worth
    • Great work colleagues
    • For an earlier night - and feeling more energised today
    Today = NSD number 7

    Use it or lose it : Gym Membership - I signed up for the year back in January... and last month/this month my attendance hasn't been great. I'll aim to get back into it this week.

    Wellbeing : 30 minutes to pray/meditate - Like my gym attendance, my mindfulness practice has gone out the window, even though I know both of these help to keep me well and happy. My motivation to look after myself has just gone kaput - so will get on that one too. A bit of soul searching required.

    Hugs all - see you back here tommoz x

    DEBT FREE - 15/05/17
    Follow your heart & be true to yourself always
    Help To Buy ISA = £3883.65. EF = £500.00/£4500.00
    NST May : NSD=15/20 : Food £150/£150 : Spends £100/£100
    365 Day 1p Challenge = £347.50/£667.95. £1.00 a Day = £181.00/£365.00
    Meditation = 6/20. Exercise Sessions 11/13. Cash Bonus = £6/£150 + £153/£399.00
    • apple muncher
    • By apple muncher 14th Mar 17, 7:00 PM
    • 5,846 Posts
    • 42,671 Thanks
    apple muncher
    Thankyou mothernerd. I admit that I'm not really in a good place at the moment, but I am ensuring I write down 10 gratitudes, as it makes me look deeper at the day and appreciate it more.

    Today I am grateful for being able to pay a little more off the mortgage, for a good run, for playing pinball with dd (it's the one I used as a child that we brought back from dad's), for the EPA having registered, for getting a slippery pupil to do his last speaking test, for the magnolia trees and forsythia (sp?) giving the cherry trees a run for their money, for bumping into some other girls on the way to brownies which cheered dd up, for dh having recorded the weekend's rugby for me, for some free pears - a little battered but will make a yummy crumble, fordd's white jeans - that she decorated with her sharpies- not leaching their colour in the wash, for having all that we need.
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • SkintTeacher
    • By SkintTeacher 14th Mar 17, 7:02 PM
    • 295 Posts
    • 1,584 Thanks
    SkintTeacher
    Crazy_cat_lady we all have days like this in teaching. I hope you can let it go x x
    • Eager_Elephant
    • By Eager_Elephant 14th Mar 17, 8:03 PM
    • 3,873 Posts
    • 20,103 Thanks
    Eager_Elephant
    This week not going so well with the NSD's.

    Monday I needed soya milk so brought enough to last me a week at work.

    Today DH needed medication and then some coke, crisps and choc landed in the basket as well.

    So still sitting on 5 for the month.

    Hoping tomorrow will be a NSD.
    Ninja Saving Turtle No. 8 for May
    NSD - 8/16
    (up to 17/5/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Bobarella
    • By Bobarella 14th Mar 17, 8:59 PM
    • 10,542 Posts
    • 67,787 Thanks
    Bobarella
    Mothernerd You have such an amazing memory Thank you for the wise and comforting words.

    It's not exactly cash flow this time. I like many thousands of others have been hit by an enormous hike in business rates. I am challenging it but it is just the latest in a long line of enormous kicks in the gut, and right now I'm not sure what I want. Thanks again for what you've said. It all makes sense.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £53.62 2016-£62.28 2015- £84.20)
    RYSAW17 £1805.58 2016 £2,535.16 2015 £1027.20
    • Fmess
    • By Fmess 14th Mar 17, 9:34 PM
    • 2,437 Posts
    • 22,967 Thanks
    Fmess
    Hugs all and especially bob, calling, apple and ccl

    Not a SFD as I bought chocolate. I have undone my good work at dieting the last few weeks and will see the results on the SW scales tomorrow.

    Today I am grateful for:-
    - the lovely weather
    - speaking to my sister
    - laughs with colleagues
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New Roof Debt £177.97/£8242
    New bathroom savings £1343/£6000
    Jan NST #22 SFD 7/15 Food 114/ 140Personal 155.23/170 Petrol 40/75
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 14th Mar 17, 9:41 PM
    • 491 Posts
    • 2,618 Thanks
    swimminginaseaofdebt
    Evening everyone,

    A NSD over here, my 5th of the month.

    I've read a bit more of my book this evening, two thirds of the way there now. Was hoping to finish by tomorrow so I could return it to the library when I took the little one to bookbug but it's definitely not happening as I'll be hitting the sack after this entry!

    Been a good girl and done some surveys today. I also cashed out on a couple of sites and I now have £4.71 in Paypal, £1.90 bank transfer and a £5 Amazon voucher.

    Sent an email to my boss today requesting a reduction in days/hours when I return to work from maternity leave around June/July. Hopefully it'll be approved although I will find the drop in salary a bit of a shock.
    NSD May - 3/16
    ,
    Pay all debt off by Christmas 2017 #150 - £1111.84/£3729.05
    ,
    SPC10 #564
    • misstara
    • By misstara 14th Mar 17, 9:50 PM
    • 2,175 Posts
    • 15,139 Thanks
    misstara
    A NSD yesterday but not today. Had a doctors appointment this morning and have been advised to cut out dairy for a month to see if that helps me so popped to the supermarket to get various dairy free things. OH happy as he gets any chocolate in the house to himself . Also got some stuff for the flat.

    Today I'm grateful for some time out in the garden, getting more things done in the flat, a day off work and an easy freezer tea.
    Debt at LBM Jan 2014 £10458.09 Now £190.42 (98.2% paid)
    New flat debt Jan 2017 £2302.75 Now £1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target £147.84/£150. NSD target 15/16.
    • Calling14
    • By Calling14 14th Mar 17, 10:19 PM
    • 2,383 Posts
    • 17,632 Thanks
    Calling14
    Bob I was thinking about you today when I got my council tax bill. Good luck with the fight.

    Thanks Mothernerd hopefully new vacuum will arrive in the next 5 days and the remaining warranty I have my old one will transfer to replacement. So still got over 4 yrs cover left.

    Had to buy a brush and a mop today. Mop moulting. Then needed plant for friend as Birthday present.

    Going to shoot off as still not clear head
    LBM 13039 1.1.13 NOW 2325
    PAYDBX 2017 #16 1975/4300 DFD 10/17 ?
    E
    Fund #9 £120/£1,000
    1 x 100 days challenge25 No 2 655/1000
    • Bobarella
    • By Bobarella 15th Mar 17, 1:10 AM
    • 10,542 Posts
    • 67,787 Thanks
    Bobarella
    Bob I was thinking about you today when I got my council tax bill. Good luck with the fight.

    Thanks Mothernerd hopefully new vacuum will arrive in the next 5 days and the remaining warranty I have my old one will transfer to replacement. So still got over 4 yrs cover left.

    Had to buy a brush and a mop today. Mop moulting. Then needed plant for friend as Birthday present.

    Going to shoot off as still not clear head
    Originally posted by Calling14
    Thanks Calling, and also Fmess
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £53.62 2016-£62.28 2015- £84.20)
    RYSAW17 £1805.58 2016 £2,535.16 2015 £1027.20
    • greent
    • By greent 15th Mar 17, 7:04 AM
    • 5,817 Posts
    • 58,750 Thanks
    greent
    Great news on the vacuum cleaner, Calling

    Bob - I see elsewhere that you are determined to fight the increase - well done for coming to a decision - we're all behind you - not much help in physical reality, but we can be a virtual support group for you x


    NSD yesterday. Tues are busy evenings so didn't get a chance to report in. Did day 1 of couch to 5k followed by Zumba - and am feeling it this morning! (fitness levels are appalling!)

    Re use it or lose it - I do Zumba at £6 for 2 sessions/ week/ £4 for 1 - payg so no money lost if I don't go. Other exercise is free - HIITs from yoootoob, the crosstrainer we have (rarely used), some light weights we've had since pre children(!) and - if I keep it up - running outside. Must admit, if I do keep the running up I'd like OH to look at getting a treadmill (waaay down the line)

    Yesterday's thankfulness:
    * getting my summer shifts in from school no 1
    * lovely weather
    * making myself get out before Zumba - it's so easy to come up with an excuse why not to go!
    * being able to do some more debt busting
    * free MnS £100 gift card from OH's assignment as a reward for recommending someone who got a job there - saving towards school uniform purchases in the Summer!
    Repaid mtge early (orig end 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 up: BTL Mtge 12/16 Bal £69786. 2017 OP target (#18) £2000/£3286
    Net sales 2017 £457.00/£500 PAYDOX17 £9435/£10k Decluttered 750/2017 items
    • SpekySquarehead
    • By SpekySquarehead 15th Mar 17, 8:44 AM
    • 1,492 Posts
    • 11,174 Thanks
    SpekySquarehead
    Good morning chums,

    Hope everyone is well.

    Yesterday was another NSD for me, I've a feeling I'll break my record this month of 16.

    Today however will not, as I've football tonight (£3.50), I'll take a low spend day though, I won't be visiting the SM or anything so could be worse.

    Have a nice hump day everyone.
    Debt Free Date: 29/09/16
    NSD (5/15)
    • thriftylass
    • By thriftylass 15th Mar 17, 9:12 AM
    • 2,833 Posts
    • 23,033 Thanks
    thriftylass
    Good morning,

    Last night was DS's second chess club visit. He's nearly 6 but can't sit still for 10 minutes or try sth new he's not sure about without me by his side. He sat there playing chess with an older boy and with help from the teachers for an hour, while I had an hour to myself outside reading my book! Oh well, I'm chuffed he found sth he likes (and his grandad is too). Plus it is very MSE at only £10 a year and no fancy equipment .

    Another SFD today and a run at lunch.
    NST April no 14
    SFD 0/18 spends all in 0/650 Exercise 0/15
    Debt - all 0% 1459 to go from 5290 (71% paid off)
    DFD 9/2017 Mortgage 109543 (04/17) 16 years left

    Stopped smoking 01/01/2017
    • indigowarrior
    • By indigowarrior 15th Mar 17, 11:06 AM
    • 217 Posts
    • 1,603 Thanks
    indigowarrior
    Was intending on doing a nsd but left the shopping list at home. I went off the list however I have enough to last a week.
    #545- SPC
    debt free by end of august 2018. First debt to clear CCJ £0/1800
    May NSD 3/10, Grocery Budget: £16/120, Allowance: £5/20
    • mothernerd
    • By mothernerd 15th Mar 17, 12:36 PM
    • 1,889 Posts
    • 19,168 Thanks
    mothernerd
    Day Fifteen
    Use It or Lose It
    (ccl you get a free pass, ignore this bit)
    Your garden (back yard/ window box). What state is it in? Do you grow any veg (or fruit - generally easier, mostly stick it in the ground and let it grow).

    We all know thrifty and EE are working on a slightly larger scale than the rest of us. I love the idea of a 'friends garden' for growing cut flowers for cemetery visits and plans for child friendly parts of the garden.

    I only have a small (15' x 18', roughly 4.5m x 6m) back yard here but added raised beds many years ago. I grew lots of veg (in mid-summer I would use every crate/ box/ old bucket I could lay my hands on to get more space) and one end of term put together 3 very assorted 'bouquets' when the boys decided they wanted to take flowers for their teachers.

    In addition to the veg, I have grown fruit - love blackcurrants and raspberries and had several trees grown in old bins. I grow pea shoots indoors and buy pots of basil and other herbs in 10p pots when they are ys (and living lettuce - always plant it up into a bigger pot so it lasts longer).

    I have planted collections of daffs and tulips knowing they would be available for Mother's Day and Easter, had lavender bushes for bags and holly to cut for decoration and the cemetery (the ones I grew from scratch should be big enough to cut this year).

    We live on the edge of a car park and the boys and their friends were thilled to go and play there once the cars went home - cricket or football, tennis, skateboarding, roller blading and street hockey.

    I once raided a skip outside a closed down shop for all the plastic drinks crates that must have spent years in a cellar. Brought them home, gave them a bath with lots of disinfectant and the boys used them to 'build' all manner of toys - from aeroplanes to skateboard ramps (also used for veg in summer).

    I find gardening therapeutic, don't really need the reward of germinated seeds, although it's lovely when it happens (till the slugs get them).

    Many allotment spaces are under attack, despite being massively over-subscribed. I also want instances of 'colonising' - my ex's parents lived on the side of a railway bridge and he grew potatoes 'over the back wall' (I have plans for the 'backs'). Also what facilities your local park offers - more local facilities under stress/ attack.

    Day Fifteen Wellbeing
    Plan a coffe date with a friend (or other beverage, not necessarily in a commercial establishment - sorry Bob)

    More later turtles - I should be on my way to crafts.
    Building a rainbow of happiness and joy 2017 Weight loss 4lb NST May No S17FD 13/16 Budget Food109.39/ £100 Transport £8.7/£10.Ext £20/ £20 EF 28/01/16 Mortgage Free 5.1 1982 Debt Free 11/01/2016
    Progress through plodding, baby steps and purposeful pottering
    • thriftylass
    • By thriftylass 15th Mar 17, 1:07 PM
    • 2,833 Posts
    • 23,033 Thanks
    thriftylass
    Mothernerd, that's a very impressive use of your small space.

    Oh I can't wait. But as I live in what is considered Northern Scotland for some reason. I'll need to wait a wee while yet. I might start my indoor seeds this weekend and my pot plants like toms and peppers. A few seeds go straight outside but I'll wait till next weekend or after for them.
    NST April no 14
    SFD 0/18 spends all in 0/650 Exercise 0/15
    Debt - all 0% 1459 to go from 5290 (71% paid off)
    DFD 9/2017 Mortgage 109543 (04/17) 16 years left

    Stopped smoking 01/01/2017
    • mothernerd
    • By mothernerd 15th Mar 17, 3:38 PM
    • 1,889 Posts
    • 19,168 Thanks
    mothernerd
    Inspiration

    Don't complain about things you're not willing to change.
    Building a rainbow of happiness and joy 2017 Weight loss 4lb NST May No S17FD 13/16 Budget Food109.39/ £100 Transport £8.7/£10.Ext £20/ £20 EF 28/01/16 Mortgage Free 5.1 1982 Debt Free 11/01/2016
    Progress through plodding, baby steps and purposeful pottering
    • Calling14
    • By Calling14 15th Mar 17, 5:31 PM
    • 2,383 Posts
    • 17,632 Thanks
    Calling14
    Day off today bit wasted really. Got a Drs appointment something putting off for ages, middle of the day so messed my day up but relieved now been and hopefully will be sorted.

    Called to see friend Birthday this am, did volumes of ironing before Drs and then came home and lay on sun lounger, even got slight colour. Fell fast asleep. Then attacked garage was awful in there, better now tidy. Will need to take couple items to tip.

    Bought some bread and ham today. Sure this is worst SFD 2/15 ever, back on track tomorrow.

    Grateful for
    Lovely sunny relaxing day
    Finding crocuses under another plant I was cutting back.
    Music can't live without it
    LBM 13039 1.1.13 NOW 2325
    PAYDBX 2017 #16 1975/4300 DFD 10/17 ?
    E
    Fund #9 £120/£1,000
    1 x 100 days challenge25 No 2 655/1000
    • greent
    • By greent 15th Mar 17, 6:43 PM
    • 5,817 Posts
    • 58,750 Thanks
    greent
    Today's thankfulness:
    * birdsong along the canal path
    * DS2 & DS3 having a good play and run around in the garden after school
    * another beautiful day
    * a long hot bath this morning
    * Tiger balm!
    * My iron tablets beginning to have an effect - am much less washed out (still tired, but not in a totally washed out way) and breathing is improving (unless I'm trying to run! :rofl

    Couch to 5k day 2 completed - hence the long bath and Tiger balm!

    Spent some time in the garden after school pruning back some dead bits - lovely to see so much new growth around. Also dug out all my seeds from the garage - it would appear that I have lots of various salad leaves, cress, sunflowers, nasturtiums, poppies and herbs - and nothing else! Will try and get some courgette & tomato plants from the car boot at an appropriate time (can usually get them for 50p, max £1, as opposed to GC prices) Will use the salad leaves and cress and also plant up sunflowers and nasturtiums with the smallies. The poppies can just get scattered onto a bed where there is just a (very pretty) tree and lots of Spring bulbs. they're out of date by a few years, but some may germinate - nothing ventured, nothing gained

    SFD - have done a bit of business paperwork, one load of washing, re-hung the curtains in the family room, C25k/ long bath/ lounge around with a book for 30 mins after bath (as well as in bath). Smallest has been delivered to Beavers and I will shortly have to collect him. Once small bedtimes are over I will do some ironing if I can find something to watch (V1rgin tv having problems with catch up tv for around 3 weeks or so now ) and list the 3 things I currently have for fleabay Then bed with my book - I may even finish it tonight
    Repaid mtge early (orig end 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 up: BTL Mtge 12/16 Bal £69786. 2017 OP target (#18) £2000/£3286
    Net sales 2017 £457.00/£500 PAYDOX17 £9435/£10k Decluttered 750/2017 items
    • apple muncher
    • By apple muncher 15th Mar 17, 7:11 PM
    • 5,846 Posts
    • 42,671 Thanks
    apple muncher
    Today I am grateful for the glorious sunshine, for getting the first mow of the year done, for time with dh, for my icyland free £5 that I spent, for making washcloth bunnies, for a great parents evening with dd, for catching up with another school mum to discuss playdates, for a longish chat with big sis, for free lobster (snaffled from dad's a while ago) , for laughter with dd.
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: £1803/£4000; 2
    017 sell 30

    Mortgage £25,317 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
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