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  • FIRST POST
    • apple muncher
    • By apple muncher 26th Nov 17, 3:14 PM
    • 6,639Posts
    • 48,680Thanks
    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 9
    • laurenh1
    • By laurenh1 5th Dec 17, 9:04 AM
    • 266 Posts
    • 2,282 Thanks
    laurenh1
    Hi all,

    Just checking in.

    Today is NSD #4- will be a spendy day tomorrow and sat.

    Bad Habit- still making a real effort not to worry.

    Clear out- still haven't dropped tins off at tesco but will do tomorrow when I go shopping

    Explore- nothing today because I am at work but going to see the steam trains on sat

    mental health- trying to get on top of things, have planned for hub to take kids to MILs for a few days in Dec so I can get caught up, wrap presents etc. this makes me happy

    budget- still the same - 140 in acc, 30 in purse, brother owes me a tenner. so 180/.

    Food banks- would like to make my 5 pound donation to the fuel for food banks, which provides heating, would that be ok?apple muncher
    • dolly84
    • By dolly84 5th Dec 17, 10:39 AM
    • 3,422 Posts
    • 31,228 Thanks
    dolly84
    Hi all.

    applemuncher - ow, ow, ow, poor you.

    No plans to spend today but it will be a close call whether the milk lasts till I go grocery shopping tomorrow night.

    I have cycled today and will dog walk and then run this evening.

    Not much else to say today really, plan to make a chilli for tea and have everything in for it plus some YS flatbreads to go with it.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • Florence J
    • By Florence J 5th Dec 17, 2:11 PM
    • 1,800 Posts
    • 10,192 Thanks
    Florence J
    Today looks set to be my second NSD. Got a call from the temp agency asking me if I want to do two days this week emergency reception cover at a college for an event, before I start my longer term position. I politely said 'Hell Yeah'
    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
    • apple muncher
    • By apple muncher 5th Dec 17, 2:35 PM
    • 6,639 Posts
    • 48,680 Thanks
    apple muncher
    Laurenh1 - yes indeedy - sounds a great idea!

    Thank you for the sympathy dolly - much appreciated. The antibios are making a difference and it looks and feels a little better. Phew.

    Flo - go girl! Great news on getting a bit of work.
    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
    • laurenh1
    • By laurenh1 5th Dec 17, 4:26 PM
    • 266 Posts
    • 2,282 Thanks
    laurenh1
    for anyone interested in donating heating to food banks or anyone that just fancies an article reminding us how lucky we are - here is an article about "heating or eating"

    https://cookingonabootstrap.com/2017/11/29/heating-or-eating/
    • greent
    • By greent 5th Dec 17, 6:08 PM
    • 6,507 Posts
    • 65,674 Thanks
    greent
    Days 4 & 5
    NSDs 3. OH popped into Tesc0 on his way home from a gov'rs meeting last night and score YS items, so NSD for yesterday maintained and 1 gained today

    Lunches taken/ prepped at home Work all day yesterday and today, so I had a free lunch (sandwich and a gingerbread man) both days
    Debt destruction: Aiming for DFD (exc BTL mtge) of 10/18
    Exterminate Facebook gone from phone
    Clear up, clean up and take control. Clear space by removing 31 items - 6/31 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. -
    Explore your local area Mental health.. Do something every day this month that makes you feel good: Write down 4 gratitudes each day.
    * fun with colleagues (although 2 very busy days)
    * extra hours at work today = More £ in
    * yummy YS custard donuts
    * cuddles with DS3
    * my mum doing school runs for me this week (and next) so I can work

    Budget EVERYTHING
    Food 38.49/450
    Social £120
    Gifts £125
    Fuel 50/65
    Make extra money 14.86/50 (+ 4.5 unexpected extra hours at work)
    Evaluate (Done) Now to 2018: (targets set)
    Remember to do (planning Sains shop tom or Thurs)
    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
    • Lauralozzle
    • By Lauralozzle 5th Dec 17, 7:18 PM
    • 475 Posts
    • 4,321 Thanks
    Lauralozzle
    So, today has been spendy. I used my weekly £10 spending money on some fairy lights and a coffee, of which the fairy lights are now decorating my work desk. I will take them home next week and use them for Christmas decorations in the house. It’s something nice to spend the money on so I’m not so bothered about it as I can use them all year round.

    I have amended my grocery budget to actually reflect the spend made in the coop the other day by the OH. I had guesstimated over what he spent (by about £2) but it all counts!

    OH is making dinner tonight so I’ve done a quick blitz of the dining room, living room and downstairs hallway. Quick hoover, cleaned out the fireplace. I’m now relaxing on here with all my candles the room smells lovely.
    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 5th Dec 17, 7:23 PM
    • 2,064 Posts
    • 19,567 Thanks
    Kerry Woman
    Day 5
    NSD achieved 3/15
    Clear out - sorted out just few bits into recycling bin. Courier came and picked up the goods that were delivered on Saturday. Hopefully a couple of things will be leaving the flat if all goes to plan this week.
    Mental health - have rested a bit more today. A few things crossed off my list of things that need to be done which have been positive.
    Grateful for -
    Having the goods picked up. Will eventually get a full refund.
    Confirmation of when something else will be picked up.
    Getting out the advent religious calendar and started to open up the windows. Doing this in memory of my Mum as we always had one each every year and enjoyed opening them up. Always told each other what was behind the window.
    Chilling out most of the day.
    Managed to do a few things around the flat - little tidy up and washed the dishes.
    Last edited by Kerry Woman; 05-12-2017 at 7:26 PM.
    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
    • Toni'sfriend
    • By Toni'sfriend 5th Dec 17, 7:31 PM
    • 703 Posts
    • 9,646 Thanks
    Toni'sfriend
    Kerry woman
    Just catching up. So sorry for your loss. Thinking about you. Xx
    • f0xh0les
    • By f0xh0les 5th Dec 17, 8:36 PM
    • 1,094 Posts
    • 8,078 Thanks
    f0xh0les
    Not a NSD so still on 2

    Swerved a takeaway! DH came home during a DS2 awful tantrum and suggested we just get a takeaway as he was knackered. I had already soaked chickpeas overnight so we blitzed them, made the most brilliant falafel ever, and had them with pickles and wraps, tahini and salad. They were gorgeous, much nicer than a takeaway and about £20 cheaper. win win win

    Spent £18 in the supermarket but honestly can't see myself needing any more food this week - kids ate all the lunchbox yogurts for snack and annoyingly DH helped himself to a late night snack of the kids' lunchbox crisps so i was a pack down. Decided to stock up on coffee too as I was spending.

    Grateful for -
    resisting dairy free Ben & J3rrys at twice the price of the dairy version, but was still tempted.
    Coffee.
    That DS2s self destructive meltdown lasted an hour this time before he caught himself on.
    Fantastic home cooking trumping the evil takeaway temptation
    Hot water bottles.
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800
    NEXT GOAL is sub £105k
    • worklifebalance
    • By worklifebalance 5th Dec 17, 11:14 PM
    • 31 Posts
    • 274 Thanks
    worklifebalance
    NSD 2 today. Its amazing how much I get done in the evenings when not distracted by rubbish on the TV. House is slowly getting less cluttered and messy. All thanks to this group and posting daily. Now I just have to keep it tidy ��
    SPC #459 no 8 2015 £203 2016 £157 2017 £70
    starting mortgage £120,000 June 2012
    OP 2015 £5000, 2016 #57 £28866/ £25000
    • sashanut
    • By sashanut 5th Dec 17, 11:33 PM
    • 2,619 Posts
    • 24,394 Thanks
    sashanut
    No 7 checking in
    Hi all turtles

    Checking in: 5/31

    NSD: still only 1/15 Shopping spendy day today,, hopefully get some NSDs in before we go away.

    Debt destruction: Have no debt now but not so long ago were 93K in debt so I know that I need to make sure I don't go down that slippery slope again...but we are on a fairly fixed income so need to rein the unnecessary spends which have been creeping up..

    Exterminate Nothing bought for myself

    Clear up, clean up and take control Not much done here at all as out all morning volunteering at CS, then DD wanted to go shopping this afternoon. However, put all shopping away more or less & will have a go at it tomorrow as have to get up early..

    Clean up your way of talking to yourself – clean away the negative talk and be kind and positive to yourself. Will try to do this, and try to take a compliment when it's offered, not something I'm good at!
    Let yourself sparkle. Worse sparkly jumper to work today, smiled at everyone even other person I can't stand..Take control of your finances, your time, your habits, and your health. Indeed

    Explore your local area – Will attempt to explore local area when we go to Ireland, there are lots of opportunities, it's such a beautiful place.

    Mental health Good today, no gardening but still fine.

    Write down 4 gratitudes each day. Grateful for: Work friend was so happy to get a little gift & card, happy to have ys takeaway food so it wasn't so stressful, happy to come on here & report in, now warm bed & book..


    Budget Need to do this but not got my head around finances yet, watch this space. better write some stuff down otherwise will forget..

    Evaluate the year you have had: . Need to plan 5 things that will happen next year. Still a WIP
    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
    • Fmess
    • By Fmess 6th Dec 17, 6:51 AM
    • 2,575 Posts
    • 24,347 Thanks
    Fmess
    SFD number 2 yesterday Walked the dogs after work and tackled one of this week’s frogs.

    In London training today so just on the train for my 2.5 hour commute but I will get free food all 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
    • worklifebalance
    • By worklifebalance 6th Dec 17, 6:55 AM
    • 31 Posts
    • 274 Thanks
    worklifebalance
    Foxholes where can you get dairy free Ben and Jerry's from?? Thanks
    SPC #459 no 8 2015 £203 2016 £157 2017 £70
    starting mortgage £120,000 June 2012
    OP 2015 £5000, 2016 #57 £28866/ £25000
    • apple muncher
    • By apple muncher 6th Dec 17, 7:35 AM
    • 6,639 Posts
    • 48,680 Thanks
    apple muncher
    We looked in a big Tesc0 for the df BandJ. Think they do 2 sorts. But one of then had gluten in (WHY????) and dd didn't like the other one. Sigh...
    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 6th Dec 17, 7:39 AM
    • 6,639 Posts
    • 48,680 Thanks
    apple muncher
    Hey, we're in Martin's weekly email! Go Turtles!
    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
    • laurenh1
    • By laurenh1 6th Dec 17, 7:40 AM
    • 266 Posts
    • 2,282 Thanks
    laurenh1
    Hi all

    So yday turned into a spend day as will today as my cupboards are bare! Hopefully tomorrow fri & Sun will be NSDs.

    Will update budgets tonight once Ive been to Aldi.

    Xx
    • dolly84
    • By dolly84 6th Dec 17, 9:22 AM
    • 3,422 Posts
    • 31,228 Thanks
    dolly84
    Morning all.

    Super busy day for me today but just now I am relaxing with a coffee (I work from home). Kids have got an early finish from school today so my day is shorter than usual but I can do a bit more work when we get home.

    We are milk rationing today to try and make it last rather than go buy another. Grocery shopping tonight so will be spending money but no other spending planned.

    Lunch today is LO cottage pie and tea is jacket potatoes with chilli I made for tea last night (made extra) for me and DH and something else for the kids as they won't eat potatoes.

    I am going to have to use the tumble drier today, did a big wash last night, I will fill the heated airer with things which don't go in the drier though.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • BadBookkeeper
    • By BadBookkeeper 6th Dec 17, 10:55 AM
    • 105 Posts
    • 645 Thanks
    BadBookkeeper
    Day 6 - #19 Checking in.....
    Debt plan - yesterday was NSD 3/15.
    Exterminate - Had a little scroll through FB last night got bored after 10 mins so no reason to look again until end of challenge
    Clear up - Sorting out my jewellery box next hoping to do that later and declutter 2 items as didn't do any yesterday.
    Explore - Went to a lovely church yesterday hadn't been for years - very calming and beautiful even though I am not at all religious
    Mental Health - Rough nights sleep my DH caught someone trying to break into a van parked across the road from us around 4am so called the police. They stole loose change. We were both wide awake then! Aiming for a Christmas dvd and early night tonight. Feel tired today and have a sore thoat so not so much mental health but general health beginning to suffer.
    Budget - Ok here but I am going shopping later for a few Christmas bits and know what I want and how much I'm willing to pay. My DH has upgraded his phone and I have his old one. Otwo have sent me a new sim card and my contract is reduced by £1.15 a month.
    Evaluate - Starting a junior isa for our DS will start to teach him how not to manage money!! He is 6 on 19th December, is this a good age to introduce pocket money and savings? I have bought him a money box for his birthday and so far I have been putting 10ps in it to start it off.
    Remember - Made a cash donation to Blind Veterans UK yesterday, in memory of my late Grandad.
    • Fmess
    • By Fmess 6th Dec 17, 11:24 AM
    • 2,575 Posts
    • 24,347 Thanks
    Fmess
    Hey, we're in Martin's weekly email! Go Turtles!
    Originally posted by apple muncher
    Yay! I was just about to say that! Well done 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
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