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  • FIRST POST
    • misstara
    • By misstara 28th Oct 17, 6:43 PM
    • 2,483Posts
    • 17,337Thanks
    misstara
    Bonfires and fireworks - NST November challenge
    • #1
    • 28th Oct 17, 6:43 PM
    Bonfires and fireworks - NST November challenge 28th Oct 17 at 6:43 PM
    Welcome to the November NST challenge. November is probably one of my favourite months of the year - I love being all cosied up in warm clothes, all the leaves coming off the trees, the anticipation of Christmas coming up and even the dark nights, however, I know that many people dread this time of year so part of this challenge is to do with looking after your mental health.

    November is a good time to have a bit of clear out and have a bonfire. I'm not asking you to actually have a bonfire but have a look through and see if there's anything that can be ebayed or put to the charity shop. November is also bonfire night. Most local councils put on a fireworks display so if you can, go along to watch.


    November rules
    NSDs- set your own NSD target of over 12. As usual, household bills, medical expenses, budgeted travel expenses and ys items are exempt as long as that's all you spend.
    Organise - set your budgets now, pay to your debt/savings first. Organise any social things now, try and keep them low cost or free if possible. Look at your food budget, is there any savings to be made?
    Value for money - for all your purchases during November, I want you to ask yourself if you are getting value for your money. Look round for better deals, can you get it cheaper elsewhere?
    Exercise - I know the weather is getting colder and miserable but try to get outdoors for a bit each day even if just for 10 minutes. If you already do quite a lot of exercise, try something different. Go a different route when out walking/running or try a different gym class.
    Mental health - think of all the things you do to keep good mental health or strategies you have in place to combat poor mental health. As the long nights draw in, it can have an impact so try and do something daily to keep good mental health.
    Be Christmas ready - in October mothernerd encouraged us to get organised for Christmas so hopefully most of you are already pretty organised but for those you aren't (me!), start organising now. Plan who you are buying for, what you're buying and the budget. Can you add a few items of food to your weekly shop to spread the cost?
    Eat well - at this time of year, I tend to eat more stodgy food and there's always yummy snacks to be had so this month I'm going to make a conscious effort to eat better. If you already do this, pick another area to work on this month.
    Report - post daily if you can with a list of three things that you are grateful for.
    Last edited by misstara; 28-10-2017 at 9:55 PM.
    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 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
Page 32
    • mothernerd
    • By mothernerd 29th Nov 17, 5:05 PM
    • 2,185 Posts
    • 22,355 Thanks
    mothernerd
    Checking in now in case I am sleepy later. Did not get the kitchen clean but made progress. Overflowing bin bag dealt with and other things which made it look a lot clearer, washing machine on. Still tired from yesterday so rested when it felt necessary. Laminate man did not come anyway.

    Went to have a bath and packed up ready for crafts. Good session. Requested snowflakes were made, wreaths and angels finished off (brought one home with me as we were waiting for rudolph's nose to dry before attaching thigs to the other side.

    Agreed on tasks for birthday buffet (week after next) and I got people to sign a piece of cloth which I will turn into a heart shaped cushion (will embroider over the names). Made super snowflakers with lolly sticks and lots and lots of glitter - very messy. Have various things I would like to get done to take in tomorrow but have only promised one of them.

    Meeting mum around half six as it is pantomime night then need to write a list of things to be done and work out where to fit them in (not worked out how to open the borrowed suitcases yet). Renewed library books on-line but forgot to order repeatprescription. Took a parcel to a neighbour, some of mine have arrived.

    Today I am grateful for time to relax, fun at crafts, being able to reprint the e-tickets for tonight (after a quick search earlier. Some thimgs put away under the bed after clearing eferything out - papercraft stuff and embroidery fabric which will not be neede until 3018.
    Building a rainbow of happiness and joy
    NST Dec #4 SFD 5/15 Food £112.71/£150 Travel £6.50/£20 DIY £6/£30 Hol £50/£50 Xmas £50/£50 No Debt No mortgage Dec Clear out 433/2017
    • greent
    • By greent 29th Nov 17, 6:38 PM
    • 6,507 Posts
    • 65,678 Thanks
    greent
    Clear Out -
    NSDs -7 - another one today
    Organise -
    Food - £354.15/ £400 -
    Fuel (me) - £84.45/ £65 -
    Social - £125.74/ £150 -
    Toiletries - £5.60/ £10 -
    Clothes - £128.48/£100 -
    Gifts - £476.09

    Value for money -
    Exercise -
    Mental health - quite perky today
    Be Christmas ready - getting there
    Eat well - yes.

    Report/ Gratitudes -
    * Getting BTL property on rental market - appointment today for pics was quick and easy
    * very helpful surveyor out to sort my kitchen this morning
    * windowsills and splashback being unexpectedly included in the price - bonus
    * holding hands with DS3 walking down to school this morning
    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 £1259.72/£500 PAYDOX17 £12239/£10k Decluttered 1870/2017 items
    • DawnW
    • By DawnW 29th Nov 17, 7:15 PM
    • 4,662 Posts
    • 35,817 Thanks
    DawnW
    Checking in, Day 29

    NSD - Still on 14/12, and this will be my total for November. I bought some Christmas bits today, and need to pay the dog groomer tomorrow.
    Organise - Well, I got lots of errands done this morning in one trip!
    Value for Money - Free winter safety check from main dealership for my car (which was bought used, so was a bit surprised to be offered this).
    Exercise - 2 x dog walks, would love to do more, but finding it difficult atm with OH poorly and unable to do much
    Mental Health - Still worrying about OH and DD, but both worries will be dealt with fairly soon I should think, or at least outcomes will be known.
    Be Christmas ready - Bought 2 slightly odd Christmas items today, both related to the Christmas tree. We have a tree in a pot in the front garden, and this will be its third year of use. I needed an oilcloth tablecloth to put over an inlaid chest, which it will stand on ok, but which I didn't want water damaged Also bought a large plastic pot saucer for the same reason. Both items will be in ongoing use (could do with a spare cloth for the dining table) and were bought from ebay at a good price, certainly a lot less than a Christmas tree would cost!
    Eat Well - Eaten too much again
    Be Grateful - Grateful for free check up on my car, particularly as OH is not able to do it atm, for 2 good dog walks, and some sales on ebay and in my sales unit
    Declutter - Not yet, but the night is young!

    Looking forward to tomorrow and working out my totals for the month
    Last edited by DawnW; 29-11-2017 at 7:17 PM.
    NSDs for December 5/15
    Decluttering 23/31

    • Kerry Woman
    • By Kerry Woman 29th Nov 17, 7:43 PM
    • 2,066 Posts
    • 19,573 Thanks
    Kerry Woman
    Day 29
    NSD 13/20
    Organise - Flask of tea and lunch made. Sorted out some more of the living room for when the hospital bed comes tomorrow. They phoned me up earlier today to arrange the slot for tomorrow for delivery. Had a phone call to confirm that funding for the carers has gone through. 2 slide sleets have been delivered today. Got some useful/helpful telephone numbers. Did a few other things in the flat tonight.
    Mental health - Seemed ok. Glad that things are coming together for my Mum to come home. Having some me time tonight. Came home early from hospital and did things in the flat. Watching an episode of a programme that I like.
    Grateful for:
    Confirmation of delivery of hospital bed tomorrow.
    Having some me time tonight.
    Going to have an early night.
    Frugal Living Challenge 2017
    Mortgage free as of 1st August 2013
    NST December: Debt Destruction December NSD 4/15 Food/household budget £32.55/£150
    • apple muncher
    • By apple muncher 29th Nov 17, 7:59 PM
    • 6,640 Posts
    • 48,690 Thanks
    apple muncher
    Today I am grateful for charity shop finds at reasonable prices, for plenty of walking, for my woolly hat, for a good day at work, for chats with colleagues, for things movng forwards for a friend's parents, for fishfingers mash and peas for tea!
    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
    • DebtFreeDuo
    • By DebtFreeDuo 29th Nov 17, 8:22 PM
    • 617 Posts
    • 3,019 Thanks
    DebtFreeDuo
    Day 29

    NSD - 15/18 - Glad I hit the 15 but that is all I will get.
    Food - £124.00/£100 This month is a write off!
    Exercise - 9/20
    Studying - 17/25
    Clear out - 17/30
    Extra income - £116.47/£100
    Loan:1780.49 2207.38 Car Loan:2039.22 2419.64 0% CC:984.98 1063.48 Overdraft: 860 Overpayment:1781 Total: 7445.69 DFD Dec 18
    SPC 586
    • f0xh0les
    • By f0xh0les 29th Nov 17, 8:48 PM
    • 1,094 Posts
    • 8,078 Thanks
    f0xh0les
    NSD 14 !!!!

    Went to W1lko to get some £1 screenwash as mine ran out and thought I had mere pence on the l0ve2sh0p card, turns out there was nearly £2 on it. So no spends. Must have been topped up by the people I do surveys for. It is not the first time that it has suddenly had more money on it than there should be.

    Organise - got out the pot of advent sweeties, I have enough to do the first 15 days. Got out the cloth advent calendars, will buy a pole to hang them from on the wall tomorrow. Also have the three pieces of the tree hiding behind the living room door. It might go up tomorrrow.

    Value for money = no money spent.

    Exercise, none

    Mental Health - fine thanks

    Eat well - broccoli and rocket soup and baguettes. To stop it being too healthy for the kids, a side order of onion rings. Used up 2 bags of rocket and a whole bag of frozen broccoli. Some are complaining about sore throats so I thought an industrial hit of vit c and iron would not go amiss. Lunch (for me) was left over curry and rice from last night.

    Report in - present.

    Gratitudes - the running out of petrol light waited until I was parking in front of the house before it came on. Will fill up tomorrow (payday!!!!). I have all I need for lunchboxes tomorrow already in the house. That being said, I have not made the pasties for tomorrow yet. That waitrose are doing all chocolate boxes at half price on the 1st December (one day only, one day only)
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800
    NEXT GOAL is sub £105k
    • Fmess
    • By Fmess 29th Nov 17, 9:41 PM
    • 2,575 Posts
    • 24,355 Thanks
    Fmess
    Bad bookkeeper Iím not sure if itís the same but I make cheese, onion and potato pie. Itís not actually a pie. Basically you boil potatoes and onions and mash them, add in soft cheese (like philly) and some grated cheese and mash more. Then put it in the oven for 20 minutes with more grated cheese on the top. My sister does the same but put a tin of baked beans under the mash in the oven proof dish (I donít like beans). It freezes well and is nice and cheap. I have mine with mixed veg and sometimes gravy
    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
    • Florence J
    • By Florence J 29th Nov 17, 10:16 PM
    • 1,800 Posts
    • 10,203 Thanks
    Florence J
    NSD today, I have counted and that makes today my 7th. Very pleased. Could do with spending money/buying things but nothing is urgent so I'm going to see if I can make tomorrow a NSD too.

    Today I am very grateful. I have a job lined up with a temp agency, can't start immediately as I need to clear a DS check, but can't imagine anything going wrong with that, but should be earning money before Christmas which is a relief. Then I did 90 minutes on the exercise bike and managed to do a bonus 10 minutes, then finished 'The Sinner' on Netflix.
    Sealed Pot Challenge 11 #553
    £1000 Emergency Fund Challenge #253
    Wombling free 2017 = £2118.64
    Pay off all your debts by Xmas 2017 #53 (£3133.08/£3000)
    November 2017 Credit Card Debt: £3980
    • misstara
    • By misstara 29th Nov 17, 10:42 PM
    • 2,483 Posts
    • 17,337 Thanks
    misstara
    Congrats on the job Florence J

    NSDs - 15/18, nothing spent today other than paying some money to the debt

    Organise - payday today so transferred money into various pots.

    Value for money - nothing here

    Exercise - 40 min walk, over 12,000 steps taken

    Mental health - not slept particularly great the last few nights so definitely feeling a bit narky today

    Be Christmas ready - nothing more here

    Eat well - pretty good today

    Report - grateful for hm soup and scone for lunch, a good shift at work and payday
    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 0/6, Gym 1/6 Groceries target £38.05/£200. NSD target 5/15.
    • sashanut
    • By sashanut 29th Nov 17, 11:13 PM
    • 2,619 Posts
    • 24,394 Thanks
    sashanut
    No 10 checking in
    Hi all turtles

    Checking in: 28/30

    NSDs:13/15

    Organise: As predicted no organisation done today except that DH took out all the pieces of carpet to the garage. Desperate to get organised but another birthday day out tomorrow...don't want to seem ungrateful but really need to do some stuff at home waaah..

    Value for money - No spends today

    Exercise - no just being pampered at the spa

    Mental health - Fine thanks

    Be Christmas ready - done nothing on this front but will be in the shops tomorrow, sadly have DD with me so can't do any pressie buying for her.

    Eat well - Sadly the people ruined our spa day by not giving us the food that was supposed to be included in the price. To add insult to injury another mother & daughter were there at the same time & had the food. They felt so sorry for us they offered us some of theirs! Despite DD having proof on her phone of the booking - & what was included - they wouldn't honour it. Felt very sorry for her, finally got some toast at 5pm when we got home, then had to cook...wasn't specially healthy either.

    Gratitudes - For a nice day with DD up to 2pm, skin feeling good after all the treatments, warm bed & early-ish night, no medication needed!!
    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
    • Kerry Woman
    • By Kerry Woman 30th Nov 17, 12:45 AM
    • 2,066 Posts
    • 19,573 Thanks
    Kerry Woman
    Florence J - Great news about work.

    sashanut - Sorry to hear about the spa day dealing with what was included in the package that was paid for.
    Frugal Living Challenge 2017
    Mortgage free as of 1st August 2013
    NST December: Debt Destruction December NSD 4/15 Food/household budget £32.55/£150
    • apple muncher
    • By apple muncher 30th Nov 17, 6:53 AM
    • 6,640 Posts
    • 48,690 Thanks
    apple muncher
    Gosh - here we are at the end of November already! Thank you misstara for the challenge.
    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
    • f0xh0les
    • By f0xh0les 30th Nov 17, 10:51 AM
    • 1,094 Posts
    • 8,078 Thanks
    f0xh0les
    Last day of the month
    Racked up 14 NSDs I think I aimed for 12 so nearly half the month was a no spend day.
    Still have £490 in the bank after all stuff has gone out for the month. All CCs cleared, all savings to kids accounts gone, everything. So in order to celebrate, I thought I would go WILD and do something CRAZY!!! So have arranged a boiler service. Rock and Roll. I dhave a parents evening tonight, and need to get a dowelling rod to put the advent calendars up on the wall. 6 calendars should hide a lot of ugly anaglypta .wallpaper.

    Today will be spent baking as tomorrow is the school xmas fair.

    But I really want to be stripping wallpaper instead.

    Anyway,Misstara thank you for running the challenge, it worked, I have money left over.
    Today is not a NSD as I spent my vouchers on school teacher gifts and white wood paint and bubbles for my s-i-l's cat (they are special cat bubbles) and ended up paying 39p and getting a very rude and sniffy shop assistant.

    They really do not like vouchers do they? they don't know how to put them through the till, they mess them up, they end up calling the manager over. I wonder if it is embarrassment or they really are just horrible people.
    Anyway, see in in December Debtbusters
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800
    NEXT GOAL is sub £105k
    • laurenh1
    • By laurenh1 30th Nov 17, 11:13 AM
    • 267 Posts
    • 2,288 Thanks
    laurenh1
    Hi all

    Today is NSD # 15/16 disappointed I didn't make the 16 but hey ho, such is life.

    Oragnise- going to gut the house tonight so I can spend the wkend with my boys. done my budgets for the month, saved what I can. going to drawer out 70 quid tonight which will be my spends for the week, including York on Sat to help keep me on track

    Value- got a free pouch of baby food from nursery, a small victory when I spend 100 pound a day to send my kids there but I will take it ha ha

    Eat well & excersize- I will try

    Mental health- feeling good. planning on getting on top of things this weekend- house work, clean car, xmas cards, and then I know where I stand!

    Be Christmas ready - on it, just need to sort wrapping and cards and then do my food shop.

    gratitudes- 5th wedding anniversary with hub, grateful for a happy marriage and 2 perfect children, for the mince pies brought into work and my little boy singing happy birthday to me, not my birthday but I don't think he understands what an anniversary is
    • BadBookkeeper
    • By BadBookkeeper 30th Nov 17, 11:39 AM
    • 105 Posts
    • 646 Thanks
    BadBookkeeper
    Day 30 - #18 Checking in....


    NSD - Reached 12/12 yesterday so happy with that. Will be a spendy day today.
    Organise - Food budget is over by £12 can't complain as had a self catering holiday this month.
    Value for Money - Throughout November I have had a few bargains to be fair. Realised I hadn't used my November allowance for free 50 photos so ordered them this morning and will have a new allowance tomorrow for the others I need printing. 1/2 price thornytons christmas chocs in t£sco.
    Exercise - None today
    Mental Health - Being organised is helping.
    Be Christmas ready / DS Party - Wrapped the bulk of DS birthday and Christmas presents last night. Advents ready for tomorrow, concert outfit taken to school, will be going to retail park after work to get a few bits.
    Eat Well - Porridge, satsumas, soup & meatballs with pasta is todays menu think that's quite good.
    Reasons to be grateful - My DS is so excited that its December tomorrow he was in such a cheery sleepy mood this morning bless him. Also grateful my Grandparents in Law who live in Oz have moved in yesterday with my Mother in Law (also in Oz) and all went well, Grateful to everyone on this challenge for tips and advice and for Misstara for organising the challenges


    O/D - Think it suffered an additional £87.06 this month. Could have been so much worse!! Budgets done for December and I've accounted for EVERYTHING I'm short by £40 so I'm going to try to shave this off somewhere and sell some things hopefully on FB or eb@y.
    • greent
    • By greent 30th Nov 17, 12:58 PM
    • 6,507 Posts
    • 65,678 Thanks
    greent
    And it's over! (well..... almost ;))
    Thanks to misstara for running the challenge

    Florence - great news re the job :

    Last report of the month from me - and today feels like a Good Day!

    Clear Out - 2 bags of clothes to cash for clothes - £7.50 cash received. £10 transferred to kitchen fund as a result

    NSDs -7 - it was never going to be a high number from me this month!
    Organise - flooring chap emailed to book him for Jan. Several gas safe people emailed to get price to disconnect old cooker/ connect new one (on different days) OH's timesheet submitted (still need to do expenses) Sains shopping done and C4C trip combined, as it's just down the road from there.
    Food - £370.95/ £400 - a reasonable amount under - mainly due to using some nice Sains money off vouchers
    Fuel (me) - £84.45/ £65 -
    Social - £125.74/ £150 -
    Toiletries - £23.60/ £10 - spent £18 today on 8 0ral B toothbrush heads - worked out @ £2.25 each (I try and buy @ no more than £2.50 each) - blew budget, but will last quite a while
    Clothes - £128.48/£100 -
    Gifts - £479.59 - 2 December birthday cards bought (inc one for my DD). I have deliberately run down my stash of cards and now mainly have new home/ get well soon/ sympathy ones left.

    Value for money - used a £9 off voucher and an extra points coupon. Shopped from list and spent only 80p over the required spend to use the £9 voucher Also converted some of my nectar points into an Oxfam gift for my aunt.
    Exercise -
    Mental health - yep - as I said, today is a Good Day
    Be Christmas ready - getting there
    Eat well - yes.

    Report/ Gratitudes -
    * a lovely lady stopping her car (and therefore the traffic behind) in order that I could get across 3 lanes of traffic
    * workmen doing a good job of repairing the street (we have block paving road in our cul de sac and it was quite badly damaged in one area) Poor chaps looked freezing, so I made them tea & coffee
    * Money off vouchers
    * Having more than enough and great children
    * OH coming home tonight
    * OH getting a contract extension for the NY (3 weeks without pay from mid Dec - early Jan but then has work for min 2 more months )
    * blue skies
    * heating
    * gloves and scarves against the chilly weather
    * our neighbours selling their house within a week (not that I'm glad to see them go - they are lovely neighbours - but I'm glad a quick sale happened - fingers crossed it all goes smoothly)

    See you all next month x
    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 £1259.72/£500 PAYDOX17 £12239/£10k Decluttered 1870/2017 items
    • DawnW
    • By DawnW 30th Nov 17, 2:20 PM
    • 4,662 Posts
    • 35,817 Thanks
    DawnW
    Checking in Day 30 / 30

    NSDs
    - Total for month 14/12. I have exceeded my target, so am happy with that
    Organise - Grocery / supermarket / household etc spends - I have sadly overspent here, so £270.20 / £250. Includes paying the milkman. Could be worse!
    Fuel - £39.70, low this month
    Beauty etc - no hair appointment in November, so nothing here really. The few toiletries I bought were included in the supermarket shopping budget above
    Clothes - £22 spent on a new fleecy dressing gown for OH. Nothing else, as we didn't need anything else
    Because of relatively low spends, I have been able to donate to 2 good causes this month
    Value for money - Not bad overall for the month. I got a good price on the car insurance renewal, a free winter safety check on the car from the main dealer, and I bought some items towards Christmas at good prices.
    Exercise - Only really managed 2 x daily dog walks this month, due to OH being ill, and my being unable to leave him for long during the earlier part of the month. More recently, well, I think it is the cold putting me off!
    Mental health - Not the best month, due to health worries etc. Hoping for better things in December
    Be Christmas ready - I must confess I haven't done a huge amount due to being preoccupied with other things. Still, I only have a few more presents left to buy, plus the food shop really, so not too bad. Haven't been able to commit to anything on the social side yet.
    Eat well - Not too bad, too many stodgy snacks perhaps, but we make everything at home and have lots of fruit and vegetables
    Report - I have checked in most days
    Quite pleased with finances this month, even if other things haven't been ideal.
    Last edited by DawnW; 30-11-2017 at 2:24 PM.
    NSDs for December 5/15
    Decluttering 23/31

    • Toni'sfriend
    • By Toni'sfriend 30th Nov 17, 4:52 PM
    • 705 Posts
    • 9,653 Thanks
    Toni'sfriend
    Well, didn't quite manage my NSDs but haven't spent too much. All the Christmas shopping is done (apart from some small amounts of food which aren't yet available) and not a credit card bill in sight so that's got to be a result.
    Had a lovely meal out with my cousin today and the rascal paid the bill whilst I was in the loo. Plus she gave me about £30.00 in Hungarian currency for part of our trip in January. She refused to take the cash but I'll buy her a restaurant voucher for somewhere nice for her and her husband.
    So. not been too bad in November. Thank you, Misstara. Looking forward to December now.
    • Florence J
    • By Florence J 30th Nov 17, 5:35 PM
    • 1,800 Posts
    • 10,203 Thanks
    Florence J
    Thank you Misstara, what a great month.

    Today was a spend day, so my total was 7 for the month.

    I got a bit excited and posted all my international Christmas cards today, am aiming to post the UK ones tomorrow, wrapped all the presents that have arrived, need to buy some bottle bags or decide on a unique way of wrapping them.

    Did very well on my to do list today, tomorrow's to do list genuinely contains things like 'drink Bailey's' 'Wear Christmas Jumper' 'Do Christmas baking' and 'listen to Christmas music'
    Sealed Pot Challenge 11 #553
    £1000 Emergency Fund Challenge #253
    Wombling free 2017 = £2118.64
    Pay off all your debts by Xmas 2017 #53 (£3133.08/£3000)
    November 2017 Credit Card Debt: £3980
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