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    • apple muncher
    • By apple muncher 26th Nov 17, 3:14 PM
    • 6,656Posts
    • 48,803Thanks
    apple muncher
    NST December: Debt Destruction December
    • #1
    • 26th Nov 17, 3:14 PM
    NST December: Debt Destruction December 26th Nov 17 at 3:14 PM

    Debt Destruction December 2017
    Clear Up, Clean Up and Take Control

    You CAN do it


    2017 is coming to an end - how has this year been for you? December is a perfect time to make plans, to start as you mean to go on and to avoid the traditional failings of January's "resolution" chaos. The year ahead has to be clear in your head, what you want and how you will go about it – this ensures you make progress.

    It's time to clear up those niggling feelings of fear and face your debts, get out those envelopes that have been shoved into drawers, clean up the loose ends and call your CC companies and know where you are at and what you owe. Take control of your life.

    It's so important that you do this for yourself and do it now. Christmas is often a very expensive time of year and what better time and place to start pulling things together than with us...we are a group of people who are supporting each other to debt freedom. We call ourselves Turtles – find out why here: http://forums.moneysavingexpert.com/showthread.php?t=5048897

    (look at post #2)

    These are the non-negotiable rules to follow:

    1. This Challenge runs from December 1st to December 31st.
    2. You will aim for 15 NSD's. Any spend on any item will class as a spend day. You have 16 days for spending - use them wisely. An NSD will not be spoiled by purchasing yellow sticker products only or medication, fuel or paying for regular children's activities (when planned in advance and the monies put aside in an envelope). This month you will also keep an NSD if you only buy items for the food bank or donate to charity.
    3. You will pay to your debt/savings first. And live off the rest.
    4. You will drop one Christmas outing/party whether with work or people you don't really like. Why waste your money? I am not going to a work do at all!
    5. You will take your lunch to work every single day that you are there. At home? Out and about? You will still plan a ‘packed lunch’ for yourself. No exceptions. You will not darken the doors of cafeterias, coffee shops, take away emporia…
    6. You will not go to any sales in the month of DDD. Unless you have a planned budget and have been saving for a specific item PLEASE do not go to the Boxing Day Sales. It is too much temptation to buy tat you really don’t need. STAY AT HOME!!!

    Debt destruction: to destroy your debt (or mortgage), you need a plan. When is your Debt Free Date (DFD)? How much do you need to pay each month to get there? Have you done a Statement of Affairs (SOA)? What are your weaknesses? And strengths? Set your budget for December NOW (see below).

    Exterminate one bad habit from your life for the first 10 days. This is NOT about food. I shall be renouncing a particular game I play on my tablet that just sucks me in and takes hours of my time. There will be other things for later in the month.

    Clear up, clean up and take control. Clear some space in your surroundings by removing 31 items this month – to charity, to recyc, to give to others. Clean up your way of talking to yourself – clean away the negative talk and be kind and positive to yourself. Let yourself sparkle. Take control of your finances, your time, your habits, and your health.

    Explore your local area – get out and walk, go along those footpaths you have never been up before. Going away? Venture out and be observant. Appreciate the landscape.

    Mental health. To continue a recent turtle theme. Do something every day this month that makes you feel good: gym, reading, time with family, favourite tv programme, meditation, building a snowman. NOT spending, of course!! Write down 4 gratitudes each day.

    Budget
    EVERYTHING before you start the month. (Food, gifts, bills, travel, activities, annual stuff…) Get a notebook and write down everything you will be doing in December. (And then use the notebook to record each and every spend for the month.) This budget is to be set in stone – you really do not need those Christmas promotions. Is there an expectation that you will travel more, contribute with gifts/food/drink? Can you make something? Batch cook now. Bake some goodies so that you avoid massive tubs of sweets, fancy biscuits in tins and expensive cakes. Cookie dough can be frozen raw and then cooked in a few minutes when required. Batch cooking doesn’t have to be 24 meals in one go – even doubling up, or ensuring you have leftovers for tomorrow’s lunch is a good thing.

    Evaluate
    the year you have had: what was good, and what was not so good. What did you do well? What was beyond your control? Now look ahead and plan 5 things to go for in 2018.

    Remember
    that this is a difficult time for many. Allocate £5 of your food budget to spend on food bank items. Check what they need, get the kids involved, or do it online if that is the only way for you. This is on top of your usual giving this month. Get in the habit of doing good deeds for others.

    I can’t say this won’t be hard but we are all here to be encouraging and everyone will help you. So please, stop faffing about, take responsibility and give me your name!


    (Please do not re-post the entire thread as it makes it too long.)

    But do post every day.




    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by MSE Andrea; 06-12-2017 at 9:31 AM.
    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
Page 1
    • apple muncher
    • By apple muncher 26th Nov 17, 3:15 PM
    • 6,656 Posts
    • 48,803 Thanks
    apple muncher
    • #2
    • 26th Nov 17, 3:15 PM
    • #2
    • 26th Nov 17, 3:15 PM
    DDD Contenders

    1 apple muncher
    2 Fmess
    3 DancingDragons
    4 mothernerd
    5 Timetopullmysocksup
    6 Toni'sfriend
    7 Sashanut
    8 Lauralozzle (Mrs)
    9 DawnW
    10 DebtFreeDuo
    11 greent
    12 dolly84
    13 misstara
    14 Kerry Woman₣
    15 ilovetea
    16 SavvySaver17
    17 f0xh0les
    18 Missu
    19 BadBookKeeper
    20 Eager_Elephant
    21 Munchin
    22 Florence J
    23 worklifebalance
    24 Calling14
    25 Tabithabooboo
    26 Dottydaisy
    27 FurryBeastOz
    28 Laurenh1
    29 bizzie
    30 clippy_girl
    31 cybertortoise
    32 thriftylass
    33 mummylewis
    34 Honister
    Last edited by apple muncher; 07-12-2017 at 7:17 AM.
    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
    • Fmess
    • By Fmess 26th Nov 17, 4:04 PM
    • 2,578 Posts
    • 24,372 Thanks
    Fmess
    • #3
    • 26th Nov 17, 4:04 PM
    • #3
    • 26th Nov 17, 4:04 PM
    Me please Apple
    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
    • DancingDragons
    • By DancingDragons 26th Nov 17, 4:04 PM
    • 53 Posts
    • 519 Thanks
    DancingDragons
    • #4
    • 26th Nov 17, 4:04 PM
    • #4
    • 26th Nov 17, 4:04 PM
    Thanks for doing this apple muncher. There are some serious challenges in there for me, but I will do my best Please count me in.
    Debt Busting December NST #3 | NSD 4/15 |
    I can do this!
    • mothernerd
    • By mothernerd 26th Nov 17, 4:05 PM
    • 2,190 Posts
    • 22,395 Thanks
    mothernerd
    • #5
    • 26th Nov 17, 4:05 PM
    • #5
    • 26th Nov 17, 4:05 PM
    Love it, love it, love it. Thanks apple, sign me up please. I am away from the 4th to the 9th of December M~F, but hopefully that will not involve much spending.
    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
    • Timetopullmysocksup
    • By Timetopullmysocksup 26th Nov 17, 4:07 PM
    • 29 Posts
    • 290 Thanks
    Timetopullmysocksup
    • #6
    • 26th Nov 17, 4:07 PM
    • #6
    • 26th Nov 17, 4:07 PM
    meeeeee pleeeeeease
    • Toni'sfriend
    • By Toni'sfriend 26th Nov 17, 4:22 PM
    • 711 Posts
    • 9,712 Thanks
    Toni'sfriend
    • #7
    • 26th Nov 17, 4:22 PM
    • #7
    • 26th Nov 17, 4:22 PM
    I'm on holiday first two weeks but that's no excuse to at least embrace the spirit of the challenge. Can I join, please?
    • sashanut
    • By sashanut 26th Nov 17, 4:39 PM
    • 2,619 Posts
    • 24,394 Thanks
    sashanut
    • #8
    • 26th Nov 17, 4:39 PM
    • #8
    • 26th Nov 17, 4:39 PM
    Hi all

    Please can I sign up?? Looks awesome....
    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
    • Lauralozzle
    • By Lauralozzle 26th Nov 17, 4:39 PM
    • 478 Posts
    • 4,330 Thanks
    Lauralozzle
    • #9
    • 26th Nov 17, 4:39 PM
    • #9
    • 26th Nov 17, 4:39 PM
    I'm in. I missed November because of the wedding but I'm ready and rearing to go for December!
    December grocery challenge £187.76/£250 | December NSD 5/15
    Credit Card 1: £145 (0%) | Credit Card 2: £2,256.06 (0%) | Credit Card 3: £787.60 (0%) Car Finance: £7,865 (7.9% APR) | Mortgage: £111,363 (3.99% APR)
    • DawnW
    • By DawnW 26th Nov 17, 5:16 PM
    • 4,670 Posts
    • 35,867 Thanks
    DawnW
    Count me in too please
    NSDs for December 8/15
    Decluttering 57/31

    • DebtFreeDuo
    • By DebtFreeDuo 26th Nov 17, 5:20 PM
    • 633 Posts
    • 3,083 Thanks
    DebtFreeDuo
    Absolutely LOVE it apple muncher, glad we could help with the e's. Could you add me in please, I'm feeling ready for December, I have lots of challenges but those you have listed work perfectly for what I am hoping to achieve.
    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
    • greent
    • By greent 26th Nov 17, 5:40 PM
    • 6,522 Posts
    • 65,829 Thanks
    greent
    Count me in, please, apple xx
    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
    • dolly84
    • By dolly84 26th Nov 17, 5:43 PM
    • 3,435 Posts
    • 31,323 Thanks
    dolly84
    I'd like to join in this month. I used to take part a while back and I am still debt free but am trying to save as much as possible/
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • apple muncher
    • By apple muncher 26th Nov 17, 6:00 PM
    • 6,656 Posts
    • 48,803 Thanks
    apple muncher
    Dollyyyyyyyyyyyyy! Hellooooooo again!!
    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
    • misstara
    • By misstara 26th Nov 17, 6:01 PM
    • 2,487 Posts
    • 17,361 Thanks
    misstara
    Count me in please apple
    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.
    • dolly84
    • By dolly84 26th Nov 17, 6:46 PM
    • 3,435 Posts
    • 31,323 Thanks
    dolly84
    Dollyyyyyyyyyyyyy! Hellooooooo again!!
    Originally posted by apple muncher
    Hi there. Lot's of familiar faces plus I've been reading along for the second half of November so I think I will feel right at home.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • Kerry Woman
    • By Kerry Woman 26th Nov 17, 8:24 PM
    • 2,073 Posts
    • 19,617 Thanks
    Kerry Woman
    Can I please join for December.
    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
    • ilovetea
    • By ilovetea 26th Nov 17, 10:29 PM
    • 824 Posts
    • 6,234 Thanks
    ilovetea
    Can I join in please.

    ilovetea xx
    £2017 in 2017. #2 £1,511.20
    • SavvySaver17
    • By SavvySaver17 27th Nov 17, 6:58 AM
    • 3 Posts
    • 26 Thanks
    SavvySaver17
    Can I join please? I’ve followed the November challenge daily, this will help me keep on track!! Thank you x x
    £3,333 credit card debt to shift!
    • f0xh0les
    • By f0xh0les 27th Nov 17, 7:12 AM
    • 1,107 Posts
    • 8,140 Thanks
    f0xh0les
    Can I climb on to the sleigh please?

    Ho ho ho!
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
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