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  • FIRST POST
    • mothernerd
    • By mothernerd 28th Sep 17, 9:46 PM
    • 2,190Posts
    • 22,399Thanks
    mothernerd
    NST October ORGANISE OCTOBER
    • #1
    • 28th Sep 17, 9:46 PM
    NST October ORGANISE OCTOBER 28th Sep 17 at 9:46 PM
    Ninja Savings Turtles ORGANISE OCTOBER

    Several people have indicted that circumstances dictate the continuation of September's Super Scrimpers regime and the tough line instituted by Ninja Savings Kat in her challenges (see NSK).

    Austerity October? Austerity with a twist because although the turtle way is difficult we always aim to have some fun along the way, provide the odd inspirational quote, offer help and advice, sympathise when things go wrong and celebrate our successes. Remember No Turtle Gets Left Behind.

    Commit to the challenge, follow the rules to the best of your ability. The rules are all tools that will help you on your debt free journey, the more tools you utilise, the more you will save but if you are new, it can take a while to get up to speed with them all. Don't worry.

    The Truth is out There
    Question Everything
    Be Stronger Than Your Excuses


    Organise. Start as you mean to go on. Know the contents of your fridge, freezer and cupboards. Plan your meals around them. Cook from scratch. Don't buy anything you can make unless cost /time taken dictates otherwise. If you are new to turtle challenges or still have full cupboards you could try living from the cupboards.


    Regular budget items should be set by 3rd October at the latest (extra time allowed because this is being posted later than usual). If you don't know how much you are spending on food or petrol, now is the time to find out. Question every purchase - need or want? Can you make a percentage cut to one of your budget items - 3% to 10% you decide. Most importantly, Pay To Your Debt Or savings First, Live off What Is Left.



    Get Ready for Winter. Checklist in separate post. You decide how and when to implement it.

    ALWAYS Be Kind

    No Spend Days. Aim for 20 (high target) or 15 (low). You will not lose an NSD for petrol included in petrol budget, medical expenses (you don't choose when to be ill but stocking up would be cheaper), yellow sticker purchases only (no additional full price items). For regular activites where fees are paid weekly (children's clubs, window cleaner) you can set aside the money for the month on a spend day and avoid losing a spend day each week.


    Special exemption for the turtle who's family drink milk by the bucketload. Any requests for special exemptions will be considered (some turtles manage their money in other ways)

    IMPROVISE. Make do and mend with a creative twist. think of a substitute ingredient, how to make an old/broken piece of furniture last a little longer. Looking forward to reading your stories on this one (not if they invlove sending OH to work in your pants).

    STOPTOBER Are you participating? Have you any bad habits to curb or a good one to implement or re-instate.

    EXERCISE Four times a week at least (20 minutes minimum but can be done 10 minutes at a time). Get outside in daylight as often as possible.

    ONE MORE TIME It is never too late for a second chance. Some of us set goals in January. last month thrifty asked us to look at where we wanted to be, why we weren't there and what was going wrong. Now you need to put in the small steps that will lead to your goal. If you have fallen off the path, start again - just because you can't do it all, doesn't mean you can't do any. New starters may like to set some goals for the next 3 months.

    CHRISTMAS Sorry we do have to talk about it. If you love it and have been planning and saving all year, enjoy yourself.
    But let us think about cutting back.
    You still have time to have the 'no present pact' talk (token presents/ children only) or talk your work colleagues or other groups into only giving one card to the whole group with savings possibly going to charity.

    You still have time to make presents but may need to buy materials (may be more time for edible gifts). Involve children in making gifts particularly for grand-parents and teachers. Encourage them to have a toy clear out and pass on any that are no longer wanted to younger family memebrs or charity (or sell to make a few pennies).

    Finally Don't Be A Martyr For Christmas
    If the works annual do is a chore (and an expensive one) opt out. Say you aren't going.
    Some people have lovely families and love to gather together. Most of us have the odd awkward relative and some would try the patience of a saint. Don't let others take you for granted and don't feel obliged to welcome all and sundry.
    If Christmas is a difficult time for you, take time out if you need it, treat yourself kindly .


    THE Challenge will run from 00.00 on 1st October until 00.00 on 31st October.

    ODD - This month's inspiration is going to be slightly off the wall. Looking forward to how many of you can follow where others boldly go

    BANNED Takeaways, coffee shops, chippys, pie shops, vending machines, sandwich bars etc. exemption for turtls who budget for this from personal/ social spending or who have nowhere else to meet a friend. Dispensation for support for sick friends.

    EXTRA INCOME Overtime, surveys, second jobs, craftsales at Christmas fairs (Bunny tales - and tails - always welcome).

    REPORT in, daily if possible (I know some people have access problems). Sometimes people slink off if they have strayed but you will not feel better until you tell your fellow turtles about it. BE STRONGER THAN YOUR EXCUSES.

    Last edited by mothernerd; 29-09-2017 at 10:19 AM.
    Building a rainbow of happiness and joy
    NST Dec #4 SFD 9/15 Food £112.71/£150 Travel £6.50/£20 DIY £6/£30 Hol £50/£50 Xmas £50/£50 No Debt No mortgage Dec Clear out 672/2017
Page 18
    • moneysavingfamilycomp
    • By moneysavingfamilycomp 10th Oct 17, 3:07 PM
    • 568 Posts
    • 1,821 Thanks
    moneysavingfamilycomp
    hi everyone
    finally got to bank today so £90 added to extra income but paid straight off CC debt.
    £10 diesel in car first fill up this month
    walked kids to school 2/5
    £5 paid in sponsor money for kids
    only other spend today was DH birthday card
    trying to decide if I should trim my own fringe to tidy hair up for this time and use hair cut money to buy kids brushed cotton bedding. Aldi have some coming in next week and would keep them cosy and hopefully mean they stay in bed longer on a weekend

    food 68.61/200 diesel 10/50 school 17/20 beauty 0/25 clothing 0/30 NSD 5/15
    i find a cup of tea can solve most problems
    but alcohol solves them all
    first blue baby moneysaver 09/05/1993
    pink baby moneysaver born 30/07/2011
    blue baby moneysaver born 28/09/2012
    debt to pay : cc 1217.10 holiday : 607.42
    • apple muncher
    • By apple muncher 10th Oct 17, 3:33 PM
    • 6,663 Posts
    • 48,834 Thanks
    apple muncher
    The bunnies are not being too neglected, mothernerd. I finished off 6 of them today. I have nomore bits cut out, so shall get going on that.
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Toni'sfriend
    • By Toni'sfriend 10th Oct 17, 4:26 PM
    • 712 Posts
    • 9,720 Thanks
    Toni'sfriend
    I've been working away trying to clear the washing and ironing but the weather hasn't been kind. Wet washing hanging all over the house .Meal plan is kind of done – well it's all in my head. C is out tomorrow so son and I are having mince and tatties from freezer and he'll have a pastie when he comes in.

    ORGANIZE: Ticked a few things off the list but it's bigger than when I started.

    GET READY FOR WINTER: Checked the medicine cabinet. Nothing needed. Bought a supply of batteries as we were running out.

    Check there are enough candles and matches and that the torches are working
    Look out winter hat, scarf, gloves and boots
    Look out tracks for covering shoes for walking in icy weather
    Council are responsible for gritting path and lane but might buy some salt anyway.
    .
    ALWAYS BE KIND: Today was a good day. I need to remember that C is finding it difficult to come to terms with loosing his sister and that's why he's sometimes moody, depressed and introverted.

    NSD: 0/12. Started the spending diary. Although I haven't managed a NSD everything has been needed or is in preparation for winter and Christmas.

    IMPROVISE: Always try to do this. I have a partner who can’t stand waste.

    STOPTOBER: No rubbish and am drinking the tonic (low calorie, of course) without the gin. It's not quite the same but it'll do. Another bad habit I have to stop is forgetting to take my medication. Must organise it and put it on bedside table so I don't forget.

    EXERCISE: Slightly longer walk today

    ONE MORE TIME: See Stoptober.

    CHRISTMAS: I bought my Christmas cards in the RNLI shop when we were away. Could have got some cheaper on the high street but I like to support them.

    EXTRA INCOME: Managed one survey. Got screened out of the rest.

    Love your daily inspirations, Mothernerd
    • Mooloo
    • By Mooloo 10th Oct 17, 5:45 PM
    • 9,300 Posts
    • 45,107 Thanks
    Mooloo
    I have managed two no spend days in a row. Also two days of no alcohol after spending too much time with family last week and drinking every day.
    Eating from freezer tonight. Managed to postpone my meat delivery until the end of the month.
    Worked a full day. So I will soon be able to pay myself again.
    Nothing else on the list yet.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Kerry Woman
    • By Kerry Woman 10th Oct 17, 7:01 PM
    • 2,073 Posts
    • 19,625 Thanks
    Kerry Woman
    Managed another NSD today - 8/20
    Walked 20 minutes and brought my lunch in today.
    Still using up food etc. Used up the last of sausages that my friend gave me for my Mum for her dinner today. Using up some orange juice. Hoping to finish the juice this week.
    Read my book when I could.
    Grateful for:
    Setting a routine in work to keep up to date with something. Hoping this will work out better for me.
    Having some quiet time during lunchtime in the staff room as had late lunch and staff went back to teach.
    Learning something new in work.
    Managed to book a dental appointment for my Mum and I during half term.
    Last edited by Kerry Woman; 10-10-2017 at 7:11 PM.
    Frugal Living Challenge 2017
    Mortgage free as of 1st August 2013
    NST December: Debt Destruction December NSD 6/15 Food/household budget £59.58/£150
    • DawnW
    • By DawnW 10th Oct 17, 7:05 PM
    • 4,671 Posts
    • 35,876 Thanks
    DawnW
    I am being a bit rubbish at posting every day
    Spent £5.37 at Iceland yesterday on bread, teabags and tomatoes. But I used £5 of vouchers from RM surveys, so that count as only 37p, right I have blown my budget, but still keeping track!
    Ruined a potential NSD today by having to pay parking for the dentist's
    Yesterday entailed more parking this time at the hospital, also needed fuel, and we also had a coffee in the hospital cafe as we got there far too early.
    Exercise - not much, just 2 walks with mini dog who stops to sniff every couple of yards
    Extra money - claimed £40 from Onepoll surveys That will pay for the majority of my giant meat order which I am expecting tomorrow. Also sold 2 small items on ebay.
    Made 2 steak, musroom and onion pies today, and froze one. Had the other for dinner with mashed potatoes and homegrown veg. Still got my brother staying here and eating like a horse
    Be kind - well, I am putting up with my brother, and preventing OH from murdering him
    NSDs for December 8/15
    Decluttering 57/31

    • greent
    • By greent 10th Oct 17, 7:20 PM
    • 6,526 Posts
    • 65,852 Thanks
    greent
    Day 10....
    greent my eyes are tired (done lots of embroidery) and I read it as ' Will massage the plasterer in a bit'. We do love a good barter in turtle land.
    Originally posted by mothernerd
    Funnily enough, I am actually a fully qualified massage therapist - and have traded it for things before

    Today:
    Organise/ Cook from Scratch/ Use things up - used up a ration pack veg korma for my dinner - bland almost like baby food. Improved it by adding heaps of spinach, mushrooms and more spices but still only ok.

    Pay debts/ savings - £406 transferred to BTL mtge as an extra from tenants' rent payment.

    Budgets
    * Food - 126.84/ 325 (stretch 290)
    * Fuel 60/60
    * Clothes 21/75
    * Gifts 58.91/150
    * Toiletries 0/10
    * Social 70.50/200 (stretch 150)

    NSD - 6/12 As well as the vet (41) which wouldn't have spoiled my NSD, I had to pay for DS1's UCAS entry (£24) so also went to A5da and got DS3 a pair of joggers, some YS bits, a couple of non YS bits, some stocking fillers and a small present for OH for his bday from the kids (this Fri)

    Improvise - not really - but did improve the bland ration pack food, as above

    Exercise
    * Week 1 - 3/4
    * Week 2 - 1/4

    Jan Goals - "By the end of the year I want to have halved the (non mtge) debt we have and have lost 20lbs - and also get fitter along the way"
    Debt at start of year more than halved.
    Weight/ fitness = 2/20lb

    Extra income -50 y0ug0v points

    Christmas - some small stocking fillers purchased

    Get Ready Checklist
    1 - Health - vitamins taken today so 7/31
    4 - Maintenance - seeing kitchen designer again here on Monday.
    Contact I had for plumbing co wasn't really a plumbing co, so they're not interested - back to square 1
    Electrician - still to do
    Plasterer - still to do

    Gratitudes:
    * a pile of books for reading and then passing on from my mum
    * DS2 coming to primary for afternoon pick up (he had half day) - and 3 of his old teachers clearly liking catching up with him
    * DS3 being excited about his school residential trip (tomorrow - Friday)
    * finding a pair of joggers I didn't realise we had for DS3!
    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) £5278/£3286
    Net sales 2017 £1445.57/£500 PAYDOX17 £12239/£10k Decluttered 1985/2017 items
    • laurenh1
    • By laurenh1 10th Oct 17, 7:30 PM
    • 271 Posts
    • 2,329 Thanks
    laurenh1
    Just checking in

    Today was a spending day- Aldi, fuel & parking. So my total is still at 7. Hoping nothing wed and thur though. Would like 10 by the end of the week.

    No specific excersize but I have done a bit of running about.

    Going away this weekend and I did most my packing and all my ironing as I know I will be greatful its done later in the week.

    Having a real nightmare getting my tax free child care account sorted. I am now owed £££'s and really need to chase but getting no where with them, promised a payment today & again nothing showed up

    Hope you've all had a good day
    • Scrimps
    • By Scrimps 10th Oct 17, 8:02 PM
    • 186 Posts
    • 815 Thanks
    Scrimps
    Organise: all ongoing with the decorating still

    -Regular: 142/200 no change

    -Get ready for winter: got the replacement windscreen wiper sorted for winter today. The electrician fit the external light this morning so I won't fall down the concrete stairs in the dark. Unfortunately despite it being expensive and chosen by me, I really think the light looks rubbish on our newly insulated and rendered wall

    -Always be kind: think I covered this today

    NSD: still at 3/20. I knew 20 days was optimistic but it's quite eye opening just how often I spend even without buy chocs etc at work. Electrician paid, wipers bought, ran out of lining paper for the decorating so had to order more, decorators caulk bought and some ply for a replacement loft hatch

    Stoptober: stuck to this

    Exercise: Went to yoga, also more decorating so keeping active.

    Banned: stuck to this

    Extra Income: I keep getting screened out of the onepoll surveys so nothing today.

    Report in daily: missed 2 days total
    • ilovetea
    • By ilovetea 10th Oct 17, 8:07 PM
    • 824 Posts
    • 6,236 Thanks
    ilovetea
    Checking in again. 9/31
    NSD 8/31.
    Not a lucky dip meal from the freezer today,came from the fridge instead.
    Omelette with leftover pots,half a large tomato and a slice of ham.Served with baked beans.The rest I'll use up tomorrow.
    Went to collect my prescription and asked if I could have my flu jab. No luck as he said I wasn't well enough!
    Listed a coupple of bits on e-bay,still haven't worked out what I made last week yet.
    Up to date with all surveys,just waiting to hit payouts.
    That's it . Nothing exciting to report.
    Off to watch Bake-off.

    ilovetea xx
    £2017 in 2017. #2 £1,511.20
    • apple muncher
    • By apple muncher 10th Oct 17, 8:39 PM
    • 6,663 Posts
    • 48,834 Thanks
    apple muncher
    I reckon I must be one of the rare ones who doesn't want the flu jab! Dd and I are both offered it, both being coeliac. We both caught the flu (you know, the proper sort where you would watch a £50 note flutter by and not care that you couldn't pick it up; or where you had the telly on all day, when well enough to be downstairs, and be relieved when cbeebies showed the programmes again in the afternoon, as they required less brain power since you knew how they ended!) about 7 years ago now and survived. I've only ever had the flu twice in my life and would rather not have strains of it injected in to my blood! Oops, that wittered on a lot. Sorry!

    Today I am grateful for a restful day, for yesterday's trip being successful,for great weather yesterday, for a mild day today, for dh and I thinking along the same lines re our money, for an email from the wonderful school we visited last Sat, for the simplicity of cooking up a job lot of ch drumsticks which'll do lunches for the week, for the phlox making a last valiant attempt to look pretty, for dh mowing (and strimming) the front for me.
    NST DDD#1; NSD 9/15; Ex 4/12; craft 11/30 (267); remove 6/31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • mummylewis
    • By mummylewis 10th Oct 17, 8:48 PM
    • 56 Posts
    • 366 Thanks
    mummylewis
    Hello turtles!

    I've been very bad and not logged in for several days, it's been very crazy at work!

    I'm on 5 spend free days at the mo.

    On £150/£250 groceries and still at £40/£100 petrol (quite proud of that one!)

    Do need to get Xmas sorted a bit better, i feel behind but also want to wait for the better deals. (Due 2 phone contract renewals in a few weeks but I'll wait until carphone warehouse do their thing with free currys vouchers - thatll get me the new kettle/hairdryer i need).

    Very happy with progress on the actual organize October part of the challenge. Just donated 6 big bags of baby clothes to the local women's shelter who needed it. This was way more important than trying to flog them for mere pennies at the car boot on Sunday.
    Phase 2 is the car boot, got some other baby items, old stuff that we've not looked at in 2 years and maybe ill take the books. Anything left will go to charity.
    After that were moving anything left in the spare room out and into the cupboard the baby clothes were in and starting to strip the wallpaper (although this may come in the new year).

    Tomorrow will be a spend day as we'll take DD swimming before I go to work.

    Need to sort another radiator repair/replace soon, this one not covered by British gas insurance. Hoping it's not too much!

    Started the month (26th oct) £900 overdrawn, currently £400 overdrawn so I'm track to have at least a couple hundred quid paid off. Once these are done, we'll work on the credit card!

    Night all!
    Money Saving since 2016 and determined to be debt free by 2020.
    • Shelbi
    • By Shelbi 10th Oct 17, 9:55 PM
    • 641 Posts
    • 1,475 Thanks
    Shelbi
    checkin 10/31
    Sorry guys I dint check I havent checed in the last few days
    So a brief of where I'm at:

    SFD: still on 5/16
    Bring lunch to work- 6/22
    Stoptober- still not smoking- 7/31

    Budgets:

    groceries- 150/42.38
    going out 50/20
    occassions- 28/11.32
    beauty-10/5
    clothes £40/21.95
    petrol- £20

    paydebt: received unexpected money so paid £80 to debt payment account

    Xmas: Made a budget and am looking around have brought nothing will aim to get 3 presents sorted by the end of this month.


    Thats all I've got im afraid..Happy day 10 guys x
    If at first you don't succeed, dust yourself off & try again... Debt at 5th attempt
    step 1-1 debt vs 100days chpt27- £3452.25/£4603.46 (75%)- deadline 29.12.17
    Step2- cc £380.53/£5482.83 (6.94%) (offset £1500savings when mature-31/03/18)- deadline 01.05.2017- 37.99% of total Debt Overall
    • bizzie
    • By bizzie 10th Oct 17, 11:01 PM
    • 110 Posts
    • 1,267 Thanks
    bizzie
    Still at NSD 5/15
    Spent today as needed to replace my purse else any pennies I do manage to hang onto risk being lost through a number of holes in a very old, battered relic.
    Picked up a few items to replenish the cupboards as the dc insist on raiding at every opportunity. Extends to leftovers in the fridge but I tend to cook extra for this reason.

    Check In #10/31
    Groceries 211.63/400 Personal Spends ....../100
    NST December #29 NSD 7/15 @ 13/12/17
    Goals for 2017: Balance in
    Self: Health: Wealth :
    • sashanut
    • By sashanut 10th Oct 17, 11:45 PM
    • 2,619 Posts
    • 24,394 Thanks
    sashanut
    Hi all

    Not a NSD today so still 6/15

    Organise: No cellar diving today as work in the morning at the CS. Realised that it's no good having a cellar floor you can eat off whilst the kitchen is a health hazard ....

    Lunch: from stores, Beans on toast

    Supper was Gammon in (ginger) diet coke (!), new poatatoes from garden & broccoli in cheese sauce. HM apple sort of strudel for pud

    Food budget: £175.89/250 Tuesday is grocery shopping as I can pop into Lidl which is next to work. Not expecting to spend quite so much, but bought a 10kg sack of basmati rice for £9.99 which will last us a very long time. Stocked up a couple of packets of cold/flu powders...total was £38.45 monthly total already quite high...

    Be kind: Hopefully was at work & home. Do try with this..

    One more time: Yep on SW again however not lost any weight although feel better

    Extra Income: Didn't take any more photos but had some on phone so listed 2 more items on ebay

    Christmas: More making sock no 2, got a few bits in CS for stocking & Christmas Eve

    Exercise: Mild afternoon so cut grass yet again I swear it grows faster than I can cut it. Pulled up a lot of brambles etc. Got spuds out of grow bag, these ones saved from canine by being in enclosed garden

    Heating: still off

    Grateful for: Manager being at a meeting so I didn't see her, always a happier atmosphere when she's not there..

    Time in garden with mild & sunny weather

    Finding lots of books I haven't read in CS from fav authors

    Mothernerd Thanks for the inspo quotes & running the thread, very helpful to feel accountable
    New start JAN15 - NOT BUYING IT 2015 . Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE
    • mothernerd
    • By mothernerd 11th Oct 17, 1:07 AM
    • 2,190 Posts
    • 22,399 Thanks
    mothernerd
    Day Eleven Inspiration
    Have
    Only
    Positive
    Expectations
    Building a rainbow of happiness and joy
    NST Dec #4 SFD 9/15 Food £112.71/£150 Travel £6.50/£20 DIY £6/£30 Hol £50/£50 Xmas £50/£50 No Debt No mortgage Dec Clear out 672/2017
    • Fmess
    • By Fmess 11th Oct 17, 6:30 AM
    • 2,579 Posts
    • 24,383 Thanks
    Fmess
    Morning all,

    SFD 5 yesterday

    Walked loads at work and a short dog walk as I was tired and I knew the dog walker had let them run round the park for ages earlier.

    Work is crazy, I'd be so rich if they paid overtime, I must have done at least 12 hours yesterday.

    Today I have a late start as I'm at the doctors at 8.20 but usually at school by 7.40.

    Hope you all have a great day.
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New Car and Roof Debt £0/£19033
    DecNST #2 SFD 0/15 Food 65.06/120 Personal 91.34/350 Petrol 40.01/80
    • laurenh1
    • By laurenh1 11th Oct 17, 7:13 AM
    • 271 Posts
    • 2,329 Thanks
    laurenh1
    Just checking in

    NSD #8 - hoping to get this is high as posible early on.

    Will be getting organised tonight for going away this weekend- pleased Ive done most if it!!

    Planing on getting a few extra bits in for Christmas with some Amazon vouchers I have this afternoon, but I need to decide on my final order!! I have also finished by food list so I know what im looking for good deals on!

    Greatful my hub is back next weekend and that I am seeing my family this weekend.
    • misstara
    • By misstara 11th Oct 17, 7:44 AM
    • 2,487 Posts
    • 17,362 Thanks
    misstara
    For yesterday

    Organise - went to the supermarket armed with my list and spent way over what I'd hoped for, £56.55 spent. Definitely blaming OH for this one, I always seem to spend more if he's with me. We've now only £33.60 left in the food budget for the month, not ideal when it's only the 11th but fridge, freezer and cupboards are crammed full so we should manage.

    Budget - £116.40/£150 food, £15/£20 social

    NSDs - 7/20

    Be kind - really struggled with this one esp when OH told me he'd lost his phone (the brand new one that I'd loaned him the money for last week). Thankfully for him, a quick phone call confirmed that he'd left it on the bus and he can pick it up from the bus depot today

    Exercise - over 23,000 steps. Planning to run home from work today

    Christmas - had a quick chat with OH about what he wanted, the usual - his football team's shirt plus I'll do him a stocking. Will plan the rest tonight.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1239.95 (46.2% paid)
    Car debt Nov 2017 £797.68 Now £748.10 (6.2% paid) + monthly payments £146.82 0/60
    Mini Targets
    Exercise target - Run 2/6, Gym 1/6 Groceries target £70.25/£200. NSD target 9/15.
    • laurenh1
    • By laurenh1 11th Oct 17, 1:09 PM
    • 271 Posts
    • 2,329 Thanks
    laurenh1
    Hi !

    I might have to take off my NSD, put 2 pounds towards some xmas presents I had amazon vouchers for from my xmas budget. Not sure how that works if it is pre budgeted? xx
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