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  • FIRST POST
    • apple muncher
    • By apple muncher 26th Nov 17, 3:14 PM
    • 6,640Posts
    • 48,682Thanks
    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 3
    • dolly84
    • By dolly84 30th Nov 17, 9:26 AM
    • 3,422 Posts
    • 31,228 Thanks
    dolly84
    Exterminate - I can't think of anything for this. I don't do Facebook, Twitter, Instagram or anything like that and never have, I've never played a computer game in my life, I don't watch lots of tv either. I do enjoy reading but I don't spend hours a day doing it so I just can't think of any one thing that saps my time that I can give up.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • Tabithabooboo
    • By Tabithabooboo 30th Nov 17, 9:40 AM
    • 39 Posts
    • 168 Thanks
    Tabithabooboo
    Exterminate - I am going to stop mindlessly scrolling through all social media. Taking the apps off my phone...hopefully after December this will becombecome permanent. I'm going to read instead!
    • greent
    • By greent 30th Nov 17, 10:35 AM
    • 6,507 Posts
    • 65,676 Thanks
    greent
    Long post for the 'target setting' one - but I promise they'll be shorter going forward! x
    [*]You will aim for 15 NSD's[FONT=&quot]. Will monitor[*]You will pay to your debt/savings first. And live off the rest. ok[*]You will drop one Christmas outing/party Xmas meet up and gift swap with aunt changed from pub lunch meet up to coffee and cake here. Only other 'Xmas' outing I have is a (short) day out with bestie - used to be all about shopping, but now it's just a natter and lunch - all I bought last year was a book as a present.[*]You will take your lunch to work every single day that you are there. [FONT=&quot] if I'm in all day at school#1 they give me a lunch voucher Most days I'm at home - and usually eat leftovers/ whatever needs using up. Children all take packed lunches - they don't even have school Xmas dinners as they don't like them![*]You will not go to any sales in the month of DDD[FONT=&quot]. ok



    Debt destruction: Aiming for DFD (exc BTL mtge) of 10/2018 - fingers crossed OH gets another job next year!
    Exterminate one bad habit from your life for the first 10 days. Will 'hide' facebook on my phone. Will keep messenger on there as lots of people seem to communicate by that as opposed to text/ phone!

    Clear up, clean up and take control. Clear some space in your surroundings by removing 31 items this month - ok - 0/31 so far Clean up your way of talking to yourself. Let yourself sparkle. Take control of your finances, your time, your habits, and your health. - Dec sees me with an opticians appt and a GP apt (last time I went to GP was maybe 4.5 years ago?)

    Explore your local area – get out and walk, - ok

    Mental health.. Do something every day this month that makes you feel good: Write down 4 gratitudes each day.

    Budget
    EVERYTHING before you start the month[FONT]
    [B]
    Food £450
    Social £120
    Gifts £125
    Fuel £65
    Make extra money £50
    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.
    - will do
    Remember
    that this is a difficult time for many. Allocate £5 of your food budget to spend on food bank items [FONT=&quot]
    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
    • apple muncher
    • By apple muncher 30th Nov 17, 4:59 PM
    • 6,640 Posts
    • 48,682 Thanks
    apple muncher
    Exterminate - I can't think of anything for this. I don't do Facebook, Twitter, Instagram or anything like that and never have, I've never played a computer game in my life, I don't watch lots of tv either. I do enjoy reading but I don't spend hours a day doing it so I just can't think of any one thing that saps my time that I can give up.
    Originally posted by dolly84
    Go you, Dolly!
    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
    • Florence J
    • By Florence J 30th Nov 17, 5:45 PM
    • 1,800 Posts
    • 10,193 Thanks
    Florence J
    I don't really do social media, or play games, I'm going to exterminate 'differing', so rather then take forever to get round to doing a task as I'm over analysing what I have to do I'm just going to get straight to it.

    I'm also going to exterminate needless anxiety.
    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
    • Dottydaisy
    • By Dottydaisy 30th Nov 17, 6:43 PM
    • 56 Posts
    • 755 Thanks
    Dottydaisy
    I would like to have a number again please as although I don't post as I should it does keep me focused. Will update on Novembers page and work out my aims and budgets for December and post tomorrow.
    • FurryBeastOz
    • By FurryBeastOz 30th Nov 17, 7:29 PM
    • 1,098 Posts
    • 14,478 Thanks
    FurryBeastOz
    Could I join back in for December please. I lost the will to live this month.
    *** Debt Free***
    NST October 1/18
    Goals - Weight loss 0/13lb from 1st Jul 17
    GC To 1/10/17 £2416.17£3,500, 69.03/74.79% of the year. Had to raise budget
    • apple muncher
    • By apple muncher 30th Nov 17, 8:14 PM
    • 6,640 Posts
    • 48,682 Thanks
    apple muncher
    Flo - when you find out how to exterminate needless anxiety, please bottle it and let us know the secret! It will be very popular.
    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
    • apple muncher
    • By apple muncher 30th Nov 17, 8:29 PM
    • 6,640 Posts
    • 48,682 Thanks
    apple muncher
    How much will you spend?
    What are your December budgets? Do share - accountability throughout the month + hindsight at the end are very powerful tools.

    Food - £300, down 10% to encourage using up; roast chicken for cmas lunch; but I'll not scrimp on food that dd needs. Foodbank will get £5+ of this plus my share of the 'pot' (coins we find on the floor through the year - we had a huge £15.07 this year, so £5 is mine)

    Travel - £275 (maybe 75 can be reclaimed). Dd and I are going oop norf to spend a few days with big sis and will go even forther norf to see some friends over from Spain. Also going to visit mum x2. Plus usual bus travel.

    Dd activities to pay in Dec - £185

    Presents, fairs, charity shops - £140

    Nowt allocated as 'social' as only have 1x kiddie party (present bought already) and 1x social at a friend's house so will buy drink from food budget.
    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
    • Lauralozzle
    • By Lauralozzle 30th Nov 17, 9:01 PM
    • 475 Posts
    • 4,321 Thanks
    Lauralozzle
    Exterminate - I will give up binge watching programs on my iPad. I can lose hours over it.

    Food Bank - local collection at work for the food-bank. I'll pop stuff in there.
    December grocery challenge £136.56/£250 | December NSD 4/15
    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)
    • Kerry Woman
    • By Kerry Woman 30th Nov 17, 9:53 PM
    • 2,066 Posts
    • 19,568 Thanks
    Kerry Woman
    Would try and sort out budget etc in the next few days, now that my Mum is now home from hospital.
    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
    • laurenh1
    • By laurenh1 30th Nov 17, 10:21 PM
    • 266 Posts
    • 2,282 Thanks
    laurenh1
    Me too please- LOVE the food bank challengenge
    • bizzie
    • By bizzie 30th Nov 17, 10:24 PM
    • 110 Posts
    • 1,267 Thanks
    bizzie
    Can I join in please. November was a blur / write off on many fronts but a new month tomorrow so onwards....
    Will be back to update.
    Groceries 211.63/400 Personal Spends ....../100
    NST December #29 NSD 7/15 @ 13/12/17
    Goals for 2017: Balance in
    Self: Health: Wealth :
    • clippy_girl
    • By clippy_girl 30th Nov 17, 11:35 PM
    • 2,232 Posts
    • 8,624 Thanks
    clippy_girl
    I would like to join please!

    Kerry woman glad to hear your mum is back home, hope it went smoothly
    • DancingDragons
    • By DancingDragons 1st Dec 17, 6:33 AM
    • 52 Posts
    • 510 Thanks
    DancingDragons
    Exterminate - Bargain Hunting Websites. (not MSE As I don't use it for that as such) But deal sites? I can spend all my spare time on at this time of year. I don't need anything, Santa's sorted.
    Remember - Foodbank was at MR T's last night handing out a shopping list. Stuck the list to fridge door will top up with thing from Aldi and make it go much further.
    Last edited by DancingDragons; 01-12-2017 at 6:34 AM. Reason: gibberish sentence structure!
    Debt Busting December NST #3 | NSD 4/15 |
    I can do this!
    • Fmess
    • By Fmess 1st Dec 17, 8:05 AM
    • 2,575 Posts
    • 24,350 Thanks
    Fmess
    I have had a more relaxed attitude to money saving over the last 12 months. I think I was a little exhausted after 3 years of constant money scrimping to try and clear by debt and the ending of my long term relationship in the process. Over the past year, I have had a new roof, soffits and fascias, had a new cloakroom installed, had three new windows, had a bedroom turned into a bathroom so that I have an upstairs bathroom and a long dreamt of bath and just bought a new to me car. So I am in debt again, but I have a much larger personal income due to three promotions and a pay rise, so I can and will do this.

    Exterminate I have got into a bad habit of not walking my dogs enough on weekdays They get walked once a day by the dog walker and go running at the park with her but I need to make the effort to always take at least the youngest one out at night. I am going to try and come home from school earlier (where possible) and walk them when its not picth black, and then continue working at home later in the evening.

    Budget

    Human food = £120
    Animal food = £170 (I have bought January's dog food too as the company closes down over Christmas)
    Petrol = £80 (may need more due to driving to Christmas events and visiting relatives but unsure with my new car)
    Personal = £350 - 6 Christmas meals and 3 beauty treatments


    Remember
    We are doing the reverse advent calendar at school so I will put in to this.
    Last edited by Fmess; 01-12-2017 at 8:17 AM.
    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
    • dolly84
    • By dolly84 1st Dec 17, 9:07 AM
    • 3,422 Posts
    • 31,228 Thanks
    dolly84
    Morning all.

    My budgets for December are

    Petrol/Diesel £83.01/£115
    Food £70.06/£330
    Entertainment £0/£100

    My month starts on the 26th so we have already done 1 grocery shop and filled both cars up. We have quite a high entertainment budget but we never actually spend it all plus it is used for all the unexpected bits we might need.

    I will try to count NSD but I don't really follow that as such, as long as I stay within all my budgets I'm not too fussed.

    We have DD's birthday this weekend, all presents are bought and wrapped, she got her main present in August, a new phone, which is half birthday and half Christmas. We are going to the cinema tomorrow (I hate how expensive this is now but we rarely go), we booked online to see Paddington as it is quite busy and I didn't want to get there and be disappointed, then we are having a takeaway for supper later.

    Today I need to buy dog food, clean the floors and upstairs of the house ready for the weekend, ride my bike (it is blimming freezing with a biting wind), I did plan to go first thing but it was icy and we live in a hilly part of the country and I didn't fancy losing traction on a hill with cleats on. I need to post an ebay parcel, walk the dog, drink excessive amounts of coffee, write a letter to school for DD and put some washing on.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • BadBookkeeper
    • By BadBookkeeper 1st Dec 17, 10:15 AM
    • 105 Posts
    • 645 Thanks
    BadBookkeeper
    Happy December Turtles


    #19 Checking in Day 1


    Debt Plan - I have calculated that if I pay £250 per month towards my debt I will clear it 5 years time :0!! Just in time for when our remortgage is due so if its clear by then at least we should get better deals as my credit rating, outgoings etc will all be better. With interest rates set to rise this is my LBM. My DFD should be 1/12/22. I am hoping for sooner..... All budgets prepared and need to scrape a bit off here and there to make them work. Aiming for 15 NSDs. Not one today as had to post an item and order photos online.
    Exterminate - 10 days without F@cebook! I'm put a post on fb last night saying that I'm not going to be on FB for 10 days and to message me if need to tell me or show me something. I should save around 1-2 hrs per night. I am going to use this time to watch Christmas dvds and play games with my DS and have conversations with my DH!
    Clear up - 1 item a day. I think I can easily achieve this. I have some clothes ready for the next charity bag.
    Explore - Love this one! There are a few places nearby that I have never been. I live in North Wales and went up Snowdon on the train with my Grandparents as a child but not since. Will aim to do this next year with my family. However for December there are a few places I can think of for a nice walk.
    Mental Health - My DS was soooo excited its December this morning even wishing people a Happy Christmas on our walk to school. Made me feel extremely happy. Feeling on top of the preparations which is definitely helping. Not a good nights sleep as DS came in at 3am but feel ok.
    Budget - I have a list of everything I think I need and how much it should be or I'm willing to pay. I'm hoping I have over budgeted on most things. I only have one Christmas night out with friends so I am not cancelling it however I am not buying anything new to wear. My grocery budget is going to be weekly
    Evaluate - Thankful that in 2017 we managed to decorate our lounge and dining room and overhauled our garden (still needs finishing but the end is near and money is there to cover the last bits)! Aim to go up Snowdon, lose 1 more stone, teach my DS to tie his shoe laces, reduce my OD by at least £300, save up £400 for Christmas 2018. Also need to ask my employer for a payrise/more responsibility or find a new job.
    Remember - I will give at least £5 to charity through various means and will donate food items everytime I do a food shop checking first to see what the foodbank desperately needs.


    December Budgets:
    DS party things left to get - £50
    DS Birthday presents left to get - £15 (blooming fingerlings)!
    Xmas Bits & Bobs - £229
    Usually Monthly Spends (photos, DS haircut, night out, avon, etc) - £99.50
    Fuel - £15 per week
    Groceries £50 7th , £60 14th, £140 21st, £70 28th
    Last edited by BadBookkeeper; 01-12-2017 at 12:27 PM.
    • Florence J
    • By Florence J 1st Dec 17, 11:32 AM
    • 1,800 Posts
    • 10,193 Thanks
    Florence J
    Debt destruction: My debt free date will hopefully be my 30th Birthday, that's what I am channelling all my energies into. Unfortunately due to being out of work for about 6 weeks (and having no savings) and it being Christmas I am likely to borrow more money from my OH so I will probably get into debt this month. It will be 0% interest and non bank debt, but it will still be debt. I had a few more expenses this month then planned, I had to pay for my DS Check, I have changed energy suppliers which means I will temporarily pay 2 energy bills, so a lot was going against me but all presents for my family have been bought, just OH's family to go (his family is 3 people whereas I have more than that in siblings alone).

    Exterminate one bad habit from your life for the first 10 days. Well, I think I have been doing a bit of differing today because I am waiting for a parcel to arrive so I haven't really settled down to a good task, but I have done 2 wash loads and the ironing.

    Clear up, clean up and take control. Ooooh, this sounds good. I have sort of started making space for future incoming items, but it was more re-arranging then decluttering.

    Explore your local area – I do love a winter walk, I know a house about a mile away that always decorates for Christmas so I will go look at that one evening.

    Mental health. I am aiming to go on the exercise bike 4 times a week. It's exercise I can do in the warm, the comfort of my own home, and in front of the TV so there are no excuses.

    Budget EVERYTHING before you start the month. It's not that I haven't or won't do this, but as I at this moment still have no income, it is hard to plan around this. I will obviously keep costs to a minimum.

    Evaluate the year you have had: In all honesty this was one of the toughest years I have had that didn't involve a death or an alcoholic parent. But I cleared my overdraft for the first time since I opened the account in 2008, I cleared a credit card in full, I paid back over £3000 of debt, and I wombled over £2000. I finally got help for my mental health. Next year I hope to be on target for paying off my debt by my 30th birthday in 2019, I hope to pay back whatever I borrow from OH this month, I hope to lose a good amount of weight, I hope to publish an e book and I hope to run a half marathon.

    Remember that this is a difficult time for many. I am volunteering with my local food bank tomorrow and have been doing an unofficial 'reverse advent calendar' and have a big bag of stuff to take which I am a little unsure of how I am going to get on the bus.

    Merry Christmas Everyone!!!!!
    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
    • clippy_girl
    • By clippy_girl 1st Dec 17, 12:00 PM
    • 2,232 Posts
    • 8,624 Thanks
    clippy_girl
    Morning all

    So have been giving some thought to paying debt off. was debt free but then bought new kitchen and also had new boiler and pipes and work done to bathroom. came to around 9000 ish (pound sign stopped working!).

    My debt is currently 9050 which means i haven't paid any off. i have paid stuff but keep adding more to it (its on 2 0% cards). mainly my v expensive over budget holiday to usa last aug

    Balances are
    5138.28
    3710.30 (soon to be up to 400 more once i get new cambelt).

    to clear it, it will be around
    18.5 months at 500
    15.5 months at 600

    I'm going to try and clear card 1 when the 0% ends in Sept which will be 571 per month. this is a bit of a stretch

    i rent my spare room on airbnb and generally earn around 500 per month. however i keep dipping into this when i run out of money from my wages (despite having very generous budgets).

    i have opened a new savings account and have now got my airbnb money to be paid in there. have set both cards up as a payee. i need to ensure i use all airbnb money for paying off the cards.

    i will then need to plan better using my salary and when its gone, its gone! once i can stick to it i will look to trim it down and use that for a small emergency fund. will be using notebook all month for recording spends

    I have done my budget for dec and will be-
    food- 60 (have already got protein shakes in so this is mainly lunches and airbnb stuff)
    entertainment- 150
    xmas- finished xmas shopping but cooking xmas dinner for a few friends next week instead of buying pressies. will be about 30 i think as frozen turkey is 16 just need veg, pig in blankets and pudding.

    have a good day all
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