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  • FIRST POST
    • mothernerd
    • By mothernerd 25th Feb 17, 7:40 PM
    • 1,982Posts
    • 20,112Thanks
    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 July #1 SFD 14/16 Healthy day 12/20
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
Page 23
    • mothernerd
    • By mothernerd 20th Mar 17, 10:21 AM
    • 1,982 Posts
    • 20,112 Thanks
    mothernerd
    Day Twenty
    Use It or Lose It

    Cars. Have any of you tried, thought about or actually done the downsizing thing of switching from two cars to one (or as is quite common nowadays, one for each person over 18)? Think Bob may have.

    I know a a lot depends on where you live and what public transport is available (we were a Beeching victim and are one of the largest towns without a train station).

    Day 20 Wellbeing

    Research something new in your skill set. Alternative - spend 5- 10 minutes thinking about a course (professional/ recreational, distance/ in person) you might like to do - is it worth further investigation?

    Inspiration

    Don't worry, be happy.
    Building a rainbow of happiness and joy
    NST July #1 SFD 14/16 Healthy day 12/20
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
    • Calling14
    • By Calling14 20th Mar 17, 2:37 PM
    • 2,433 Posts
    • 18,068 Thanks
    Calling14
    Happy first day of spring folks.

    Naughty me bought a fitbit - finally after years thinking about it. Happy as got 20% off as new Very customer. Hopefully I will be pushed into walking more as competing with DD's. Should get it in a few days excited.

    Use it or lose it - only my car but could use it less and walk more

    Wellbeing - distance walking challenge will be set and then hope to take up yoga when I find an evening class with room.

    Being happy - lovely and sunny out there.

    My fridge is almost empty leftover chicken and leek pie tonight with whatever frozen veg is lurking in freezer.

    Still claiming a SFD as fitbit not paid for yet. Won't be adding to my debt however as money put aside for it. SFD 8/15 seeing had 3 on the trot.

    Grateful for
    Sunshine
    Spring
    Debt moving in the right direction
    LBM 13039 1.1.13 NOW 1880
    PAYDBX 2017 #16 2420/4300 DFD 10/17 ?
    E
    Fund #9 £120/£1,000
    1 x 100 days challenge26 #3 370/ 1400 ends 13/9/17


    • crazy_cat_lady
    • By crazy_cat_lady 20th Mar 17, 2:38 PM
    • 3,175 Posts
    • 27,490 Thanks
    crazy_cat_lady
    Greent - that oatmeal recipe looks fantastic. Thanks - I'm definitely going to try it.
    We are a 1 car family mothernerd, which is fine 99% of the time. The other 1%, dh hires a car for a weekend. Works well for us overall.
    Not massive amounts to report so far today... Still skint, still tired, headache has returned.
    NST June#24 NSD 8/15 RYSAW17 #1 £412.74 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • apple muncher
    • By apple muncher 20th Mar 17, 5:29 PM
    • 6,077 Posts
    • 44,278 Thanks
    apple muncher
    We are a 0 car family since Dec 26th when our car's gear box seized up 150 miles from home. Nearly 3 months now. We are coping okay as we have very good public transport
    I think dd feels the lack the most, as she does a week at school and then dance on a sat (just 1 bus + a fair walk) and church on a sun (2 longer buses). I view it as an opportunity to walk a lot more!
    NST Joyful July #2; NSD 14; Ex 23; craft 110; remove 477
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • FurryBeastOz
    • By FurryBeastOz 20th Mar 17, 5:48 PM
    • 1,036 Posts
    • 13,819 Thanks
    FurryBeastOz
    No chance of the one car due to working in opposite directions and shifts. When I lost my license, I couldn't work because public transport is so bad.

    Thanks for the recipe greent I will give it a go as I think I have the ingredients.

    Wellbeing - crap today. Carb fest. Although PT and weigh in were good first thing. I did book a CPD course yesterday though. I need to update my records as I'm way behind.
    *** Debt Free***
    NST June NSD = 7/15
    Goals - Weight loss 2.5/13lb from 1st Jul 17
    GC To 1/7/17 £1514.53/£3,000, 50.48/49.59% of the year.
    • Bobarella
    • By Bobarella 20th Mar 17, 5:50 PM
    • 10,444 Posts
    • 69,018 Thanks
    Bobarella
    Mothernerd Yes that's right. We have been car free since August 2013. So 3.5 years now. We made the decision after the car we bought lasted 6 months before being a write off due to an unfixable oil leak. It was a very low point for us. We'd borrowed 2k on top of our very precarious finances of the time and when we realised we'd been had by the garage, we felt utter despair. We knew our only option was to borrow again and we just didn't want to. So we went without, initially with the thought of paying back the £2k we'd borrowed and then borrowing again. But somehow the thought stopped appealing.
    We live in a very well connected area travel wise. If we need to do longer journies we use the train or use Zipcar which is a service you pay an annual fee for but could then use a car for about £6 an hour.

    With all my trips back and forth to work on my bike, and on foot, I can easily spend 2 hours or more doing that at weekends. We have recently been talking about getting another vehicle. But we will probably only get a cheap runaround. When my OH was looking at the weekend we found several decent vehicles for very cheap. The price of second hand cars must be very low now. Our idea being we'd get a banger and save for something decent at the same time now debt freedom looms.
    " 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
    • mothernerd
    • By mothernerd 20th Mar 17, 6:36 PM
    • 1,982 Posts
    • 20,112 Thanks
    mothernerd
    In case I can't get back on later (have been trying on and off all day, went downstairs to write down the codes, done troubleshooting)

    I have lost 4lbs 4lbs.

    Could do better so back to full effort now (as well as thinking of short cuts and easier/ quicker/ less energy ways of doing absolutely everything).
    Building a rainbow of happiness and joy
    NST July #1 SFD 14/16 Healthy day 12/20
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
    • greent
    • By greent 20th Mar 17, 7:07 PM
    • 5,959 Posts
    • 60,234 Thanks
    greent
    mothernerd - well done on the weightloss!

    We're a 2 car family of 6 (a 7 seater and my golf) Three qualified drivers (DD is on my insurance) and DS1 is starting to learn next month. Can't easily go down to 1 car - we live in the 'burbs and some of the children's activities would require double bus rides (where possible) and stupidly late home times and dragging another child around at times or they just wouldn't be able to do them, which would be a shame. OH works away sometimes with contracts (currently on a six month contract staying away M-F) so taxi-ing is down to me - as it is, I still end up involving others at times as I can't be in 2 different places at once where 2 of them have something on on the same night. Also DS2's secondary school would require 2 bus journeys home and about 90mins bus time and then 15 mins walk home from the bus stop if he ever attended after school clubs. If OH worked close to home and was home at a reasonable time it could be a possibility - if I never wanted to go anywhere other than a bus into town

    Public transport has improved here though - when we first came to live here the buses ran once an hour from 7am and stopped at 6pm!

    We will change OH's car for a normal sized one (although probably an estate - need decent room for uni luggage!) when we next change it, though. If we then needed a bigger car for some reason we have already said that we'd hire one.

    NSD today. Seemed to spend most of it in the kitchen doing some batch cooking and then clearing up - still need to clean the hob (was determined not to do it before dinner )
    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) £3490/£3286
    Net sales 2017 £753.38/£500 PAYDOX17 £10335/£10k Decluttered 1200/2017 items
    • SkintTeacher
    • By SkintTeacher 20th Mar 17, 7:19 PM
    • 323 Posts
    • 1,866 Thanks
    SkintTeacher
    1 car family here, too. I walk almost every day and I'm imagining when little one goes to school it'll be used to get oh to a job. Works for us.

    Great work on the weight loss mothernerd
    • apple muncher
    • By apple muncher 20th Mar 17, 8:02 PM
    • 6,077 Posts
    • 44,278 Thanks
    apple muncher
    Today I am grateful for a rosebud I found on the floor that now is looking beautiful in a little tub of water, for finding 19 sainz active vouchers on the floor, for a good amount of walking, for the blustery winds, for working with some lovely people, for getting my 12-week plan off to a good start, for dd thoroughly enjoying her 'pen licence' at school, for my hands and feet aching less than yesterday, for a lovely email from big sis, for having plenty.
    NST Joyful July #2; NSD 14; Ex 23; craft 110; remove 477
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 20th Mar 17, 8:03 PM
    • 6,077 Posts
    • 44,278 Thanks
    apple muncher
    Well done mothernerd
    NST Joyful July #2; NSD 14; Ex 23; craft 110; remove 477
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Bobarella
    • By Bobarella 20th Mar 17, 9:54 PM
    • 10,444 Posts
    • 69,018 Thanks
    Bobarella
    In case I can't get back on later (have been trying on and off all day, went downstairs to write down the codes, done troubleshooting)

    I have lost 4lbs 4lbs.

    Could do better so back to full effort now (as well as thinking of short cuts and easier/ quicker/ less energy ways of doing absolutely everything).
    Originally posted by mothernerd
    Well done you!!
    " 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
    • Fmess
    • By Fmess 20th Mar 17, 10:01 PM
    • 2,462 Posts
    • 23,231 Thanks
    Fmess
    Well done mothernerd

    SFD number 12 now I'm a one person one car household, not much I can do about it as I live in a village and need it to get to school in a suburb across town which would take two buses; Not suitable for carrying class assets of books for marking.
    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
    • mothernerd
    • By mothernerd 20th Mar 17, 10:02 PM
    • 1,982 Posts
    • 20,112 Thanks
    mothernerd
    I'm thrilled. Just need to kick the chocolate monster into touch.

    Today I am grateful for the music the man next door has been playing - classical but very light and spare like silver rain, for losing weight and being a slightly better shape (magnificent bosum is more than holding it's own against the middle) and for easy food, loved the tuna on Mediterranean bread.
    Building a rainbow of happiness and joy
    NST July #1 SFD 14/16 Healthy day 12/20
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
    • mrshubbard
    • By mrshubbard 20th Mar 17, 10:31 PM
    • 175 Posts
    • 1,136 Thanks
    mrshubbard
    Well done Mothernerd

    Use it or lose it - we are a 1 car/1 van family but can't really cut down as the bus service isn't brilliant already and they're cutting back more end of this year. We both start work too early for buses around here anyway. My hubby cycles to work in Summer though and our van is also our holiday home as we go camping here rather than abroad.

    Wellbeing - I would love a career change but keep flitting about as to what I want to do. My mum has said if I want to do something a course/degree would help with she'll pay for ou/part timecourse for me. Decisions, decisions! I am so dissatisfied at work and hate my manager - though I still don't look forward to it it's like the day is happier when he's off.
    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
    • misstara
    • By misstara 21st Mar 17, 6:47 AM
    • 2,280 Posts
    • 15,838 Thanks
    misstara
    Well done on the weight loss mothernerd

    No car here - OH can't drive due to health issues and gets a free bus pass, I mostly walk everywhere. I bought 5 single journey tickets at the start of March and so far I have used 1. If I need a car, I hire 1 through a car club.

    I'm currently doing a qualification through work which I need for my role, looking forward to the pay rise once I complete it then after that I've got to do another qualification through work so plenty to keep me busy.

    Sunday was a NSD, yesterday was a LSD. I popped over to the shop to grab something for lunch and also got a couple of things on the way home, under £5 spent. I'm struggling with lunches at the moment, my usual LTW is oatcakes and cheese or pate, fruit and a yoghurt but because I'm trying dairy free at the moment, I need to find something else. Any ideas?
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1431.96 (37.8% paid)
    Mini Targets
    Exercise target - 5/12. Groceries target £137.55/£150. NSD target 15/16.
    • greent
    • By greent 21st Mar 17, 7:11 AM
    • 5,959 Posts
    • 60,234 Thanks
    greent
    misstara - (giant) couscous with roasted veg and chickpeas? M&S also do a lovely Moroccan inspired salad dressing which I stir through my couscous sometimes. Oatcakes with nut butter and topped with thinly sliced apple or grapes? (although am assuming you can get dairy free oatcakes there)
    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) £3490/£3286
    Net sales 2017 £753.38/£500 PAYDOX17 £10335/£10k Decluttered 1200/2017 items
    • SpekySquarehead
    • By SpekySquarehead 21st Mar 17, 8:42 AM
    • 1,559 Posts
    • 12,131 Thanks
    SpekySquarehead
    Morning all,

    NSD yesterday and today should be too.

    As usual, tomorrow will be a spend day as I've got football. Get the head down for the rest of the month.
    Debt Free Date: 29/09/16
    NSD (5/15)
    • XSpender
    • By XSpender 21st Mar 17, 10:24 AM
    • 2,566 Posts
    • 26,539 Thanks
    XSpender
    Lost the plot a bit this month and have spent more than planned on needed repair and maintenance work in the house and garden, on a month when DH wages were all messed up, has meant all the debt I paid off at the beginning of the year is back to where it was Add to that 2 birthdays, mothers day, 2 big nights out (when we don't normally go out much at all!), a short break due to be paid this month and a BNPL due and it has all come at once

    The only positive is that our food spending has gone down massively this month, about 34% down!!

    Well done Mothernerd on the weight loss.

    Greent - that recipe was my favourite on cycle 1. I used to make it into cookies to have when I was travelling. Too much of it can give you the runs though (sorry TMI). It's not available on cycle 2 but there is a recipe for orange and cinnamon porridge and if you use chocolate protein powder it tastes like a certain round chocolate you tap and unwrap

    2 cars here - both company cars changed every 3 months. Neither of us would spend a lot of money on a car or ever by a brand new one if we were buying our own but they do make the long driving we do more pleasant.

    Learn something - just been offered a course at work I will check to see if I can do the dates for.
    Last edited by XSpender; 21-03-2017 at 10:26 AM.
    PAYDBX 2017 #99 from 4/5 - £2664.28/£10,000 26.6%
    Total Owed £39,547.78 May '17 Total owed July 17 £36883.50 Savings goal £1000 EF - £400
    DFD - May 2021 goal Feb 2020
    • mothernerd
    • By mothernerd 21st Mar 17, 1:04 PM
    • 1,982 Posts
    • 20,112 Thanks
    mothernerd
    Sorry for lateness turtles - will get round to replying to your posts - some very interesting points raised.

    Day 21
    Use It or Lose It
    The weather. Someone was warning of snow yesterday but we have lovely sunshine though still extremely cold. Going to 'use it' by pegging out as much washing as will fit and may temporarily abandon the jobs and go for a walk in the woods.

    Day 21 Wellbeing
    Don't overthink. Practice being present in the moment.

    Inspiration
    Nothing is worth it if you aren't happy.
    Building a rainbow of happiness and joy
    NST July #1 SFD 14/16 Healthy day 12/20
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
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Martin's Twitter
  • Byebye! I'm about to stop work & twitter, to instead spend glorious time with Mrs & mini MSE. Wishing u a lovely summer. See u in 10 days.

  • WARNING Did you start Uni in or after 2012? The interest's rising to 6.1%; yet it doesnt work like you think. See https://t.co/IQ8f0Vyetu RT

  • RT @JanaBeee: @MartinSLewis Boris is the anomaly (coffee), the others are versions of normal (beer). Lots of same candidates = vote share d?

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