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  • FIRST POST
    • apple muncher
    • By apple muncher 29th Dec 17, 3:41 PM
    • 6,795Posts
    • 50,598Thanks
    apple muncher
    NST January: Health, Wealth and a Life Well Lived
    • #1
    • 29th Dec 17, 3:41 PM
    NST January: Health, Wealth and a Life Well Lived 29th Dec 17 at 3:41 PM
    Welcome to January


    Make 2018 the year that you rid yourself of debt, beat down the mortgage, get on top of your spendthift ways, learn new skills and set yourself up for the future.


    2018: Health, wealth and a Life Well Lived
    (Shamelessly lifted from Craig Ballantyne at earlytorise.com)

    Janus is the god who looks both backwards and forwards. A new year can be a time to look back over the previous year (but we turtles have already done this in December). So this is a time to look forwards - where do you want to be in 12 months from now? 5 years? 10 years?


    Activity. This is a BOGOF one. Take up a new hobby or resurrect a new one. ALSO, be active. Keep moving.


    Non-negotiables:
    -18 NSDs (if not, why not?)
    -your bugets are set by the start of the month and are fixed.
    -£5 to foodbank / charity
    -pay money to your debts FIRST - do not wait to see how much is left at the end - and live within your budget
    -meal plan


    Unabashed, unambiguous, unconditional, undaunted, undivided, unerring, unshakeable devotion to your goal(s). [more on this later]


    Always plan your meals; always take a shopping list; always take your lunch to work and drink + snacks when out and about; avoid all coffee shops, vending machines, work canteens...


    Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read.

    You are the key to reducing your debt, living modestly, keeping as fit and well as you can. So look after yourself - physically, spiritually, mentally and emotionally.




    I want to re-introduce Bob's s t r e t c h challenge for January: how much extra an you earn / save off your food shop / move / remove.


    Would joining the 1% thread help you? Or the MFW for 2018? Or the pay off all your debts by xmas18? Does reading mrmoneymustache or frugalwoods inspire you?



    Who is with me for January?


    Post your name (not the whole challenge, please) to sign up.



    NST January #1; NSD 11/18; Ex 14/12; craft 2/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 11
    • Kerry Woman
    • By Kerry Woman 5th Jan 18, 4:40 PM
    • 2,140 Posts
    • 20,504 Thanks
    Kerry Woman
    mothernerd - Thank you for your kind words. Have to take each day at a time. Am seeing my GP for my depression/anxiety tomorrow. He has been very understanding.
    NSD achieved today - 3/18
    Went for a walk today.
    Managed to declutter some bits today and some small bits of housework.
    Received some bills that need to be paid tomorrow - TV licence and electrical work. Also received money owed back to the pension department for my Mum. It was too late to stop the money going into my Mum's account when I informed them of my Mum's death. Luckily it is only one week. Will sort this out tomorrow also.
    Also informed the priest from the church I used to go to to take my details off as being an parishioner as I will not be attending there again. It was not helping me by attending there. I am on a new journey, which includes my faith and self discovery.
    Grateful for:
    Going for a walk.
    Managing to achieve a few things today.
    Having a chilled out afternoon/evening.
    Taking time to start to read my book.
    Last edited by Kerry Woman; 05-01-2018 at 4:46 PM.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST January: Health, Wealth and a Life Well Lived NSD 12/18
    • apple muncher
    • By apple muncher 5th Jan 18, 4:56 PM
    • 6,795 Posts
    • 50,598 Thanks
    apple muncher
    Enjoy your new journey Kerry Woman. It is an exciting thing to do, and one that you can do at your own pace and savour each moment.

    Have you kept a tally of what you have decluttered? When I am low, I find it helps my morale to have 'easy' targets or increasing numbers that show me that I am getting things done in spite of what I am feeling.

    Take care and I hope the all goes well with your GP tomorrowx
    NST January #1; NSD 11/18; Ex 14/12; craft 2/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Toni'sfriend
    • By Toni'sfriend 5th Jan 18, 4:58 PM
    • 753 Posts
    • 10,924 Thanks
    Toni'sfriend
    Really finding it hard to motivate myself to do things and get into a routine this month. Hopefully it will improve. I do try and do something each day, but not a lot.
    It's a difficult time for you, Kerry Woman, but you're doing well. Wise words from Moternerd, as always.
    Had a little bit of a walk today and spent a little on some food for the boy for when we are away. The butcher didn't have what I wanted last time. C & I are still eating from stores. This is a major achievement and I can't believe how little we've spent. About £12.00 since the beginning of the month and most of that was on cleaning things.
    I haven't done a lot of extra cleaning today but the house is looking really tidy. If only I could get the other two to put things away as they finish with them and stop leaving things lying everywhere. That may just be asking too much.
    We have spent the afternoon researching Berlin, Prague and Budapest and have lots of places, restaurants etc that we plan to visit. Just over a week until we fly to Amsterdam. I am getting so excited - another ambition ticked off.
    So dinner (fish, lyonaise potatoes and roasted pesto tomatoes) and then I'm off to bed early with some nice tea and the book. Will have it finished by the weekend.
    • Kerry Woman
    • By Kerry Woman 5th Jan 18, 5:03 PM
    • 2,140 Posts
    • 20,504 Thanks
    Kerry Woman
    apple muncher - I have not kept a note of what I have decluttered. Only have kept a record of creams etc that I have used up. Still have quite a bit to use. Have been trying to sort things out in the flat for a few years, but just doing a little bit of decluttering when I feel up to it at the moment. I will enjoy my new journey thank you.
    Toni'sfriend - Thank you.
    Last edited by Kerry Woman; 05-01-2018 at 5:05 PM.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST January: Health, Wealth and a Life Well Lived NSD 12/18
    • dolly84
    • By dolly84 5th Jan 18, 5:22 PM
    • 3,561 Posts
    • 32,778 Thanks
    dolly84
    greent - it is my son's 12th birthday tomorrow too.

    No money spent today, have stayed at home all day cleaning and making hm mushroom soup for tea, been for a run with DH and will have a bath later.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • lcc86
    • By lcc86 5th Jan 18, 5:55 PM
    • 942 Posts
    • 2,666 Thanks
    lcc86
    @Kerry Woman, sorry to hear about your circumstances and the loss of your mum. Whilst I haven't been through the same, I have suffered with anxiety and depression for a lot of my adult life. I recently found that keeping a note on my phone each week of all the positive things that happened - large or small - really helped me. I didn't show it to anyone else and deleted it at the start of the next week, but it was good to actually see all those positives written down in black and white.

    I've only had one spend day so far this month, had to get some medication for an eye infection and so decided to buy a second hand book while I was at it to save spending money on another day.

    Been keeping up with the running every day with the exception of yesterday, Wednesday is my day off exercise hehe. Went to donate blood today but they wouldn't let me because of the eye infection, just in case

    Have organised the collection of an old sofa by a local charity. It 'lives' in our basement so hopefully they'll be able to take it on Wednesday next week. I need to tidy the basement but the sofa is sort of getting in the way so I haven't done it yet.

    I've also recovered from my panic over the roof repairs. Discussed it with OH last night and we've got the funds to pay for about half of the repairs, maybe more by the time they actually need the money. So it's not as doom and gloom as I'd thought. Plus the debt will be shared so it's not all on my head. I do have a tendency to panic and go straight to worst case scenario thinking.

    I've also found a job I want to apply for, it would be a promotion so I don't know if I'd get it, but it never hurts to try!
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    25/08/17 £802 owed 21/12/17 cleared and determined to stay debt free this time
    £762/£1000 EF £718 saved for household jobs
    • Kerry Woman
    • By Kerry Woman 5th Jan 18, 6:01 PM
    • 2,140 Posts
    • 20,504 Thanks
    Kerry Woman
    lcc86 - Thank you. Was thinking about writing positive things down in a notebook, but have not started it as yet. Sending you hugs.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST January: Health, Wealth and a Life Well Lived NSD 12/18
    • x_raphael_xx
    • By x_raphael_xx 5th Jan 18, 6:41 PM
    • 3,446 Posts
    • 17,788 Thanks
    x_raphael_xx
    Thank you for the birthday wishes I was supposed to be going to the cinema with my bestie, but she was sick, bf was home sick from work (I kicked him upstairs to bed) so ended up with a very quiet day, although I did enjoy the solitude and watched a couple of films at home.

    Today I took down the xmas decorations and re-touched the paint in the pups bedroom where he had been scrabbling at the wall to try and reach something off the shelve and scrapped the paint off.
    I have been meaning to do this for a couple of months now. Funny how the jobs we put off for ages end up taking all of 5 minutes.

    How does playing sport (or going for a walk) make you feel? What do you enjoy about it?
    Originally posted by apple muncher
    I HATED PE at school, did everything I could to get out of it. Then I gained a lot of weight, wanted to lose it and found a love for running. I go boxing once a week too, which is good for getting the frustrations out

    Janus - 12 Months target to repay Mum. £226.39 / £3000
    As it's BF's turn for groceries this month, I've popped my £50 weekly grocery budget into mums fund. I've also added my extra £9.01 in wages from xmas week.

    Activity. Crochet & keep active.
    I've been for a run today, took the pup with me. He loves running, he's got a lead that wraps round my waist so I don't have to hold him, it's got a bungee in the middle so no sudden jerks when he bolts ahead.
    Finished one blanket, started the next one

    Non-negotiables:
    -18 25 NSDs 5/25 Day five achieved.
    I didn't spend yesterday, today I'm going to buy a birthday present for a friend, but that will come out of the Gift pot.
    I sometimes feel all my pots are a little cheaty with my NSDs. I have several pots for Grocerys, Holidays, Fitness, Gifts, Treats and House stuff (paint, new pans etc). As long as something comes out of the correct pot I class it as a NSD as I haven't bought something random & unneeded (with the acception of the Treat & House pots, as I don't need to spend from those). I'm trying to be more mindful with my money and sticking to the essentials, so avoiding buying treats for myself.
    -£5 to foodbank / charity

    Unabashed, unambiguous, unconditional, undaunted, undivided, unerring, unshakeable devotion to your goal(s). [more on this later]
    Turned down the offer of a takeaway pizza today. I love pizza, and BF would have been paying (we have a rule, whoever suggests a takeaway has to pay for the takeaway), so this is a huge achievement for me!

    Always plan your meals; always take a shopping list; always take your lunch to work and drink + snacks when out and about; avoid all coffee shops, vending machines, work canteens... Planned for the next week.

    Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read. BF bought a new stair gate. Pup has one in the doorway of his bedroom, and we've been using a large thin box for the stairs (very awkward and frustrating to keep manovering out of the way).
    BF went to fit the stairgate to the stairs, but the connections wouldn't fit where the bannisters are. So he put the new one on pups room, and the old one on the stairs.

    You are the key to reducing your debt, living modestly, keeping as fit and well as you can. So look after yourself - physically, spiritually, mentally and emotionally.
    Wages in, money moved out immediately to mums pot.

    I want to re-introduce Bob's s t r e t c h challenge for January: how much extra an you earn / save off your food shop / move / remove.

    Sold something on ebay today, going to wait and see what fees ebay takes off before I bank the cash.
    Debt Free as of 17/01/2009 Turtle Power!!
    Jan NSD's - 11/25 / Lose weight 2.1 lbs / 50 lbs
    EF Challenger #36 £1000/£5050
    • greent
    • By greent 5th Jan 18, 7:01 PM
    • 6,665 Posts
    • 67,791 Thanks
    greent
    Day 5/31
    Happy birthday for tomorrow to your DS, dolly! I was in very early labour this time 12 years ago

    Just updating so I have all my running totals correct

    Janus a time to look forwards - where do you want to be in 12 months from now? 12 months: debt free (exc BTL mtge - but target of 4K ops) A decent no of jobs completed from our 'to do' list for the house (some are small, some are big/ long term/ expensive) Fitter. Hopefully with 2 children at uni. Pensions sorted.
    Today - got new latches for both side gates (currently one broken, the other not very good. OH needs to fit them, but it's a start! )

    Activity. This is a BOGOF one. Take up a new hobby or resurrect an old one. ALSO, be active. Keep moving. - Currently only at 7.7k steps for today, which is from being around the house. Lots of bending and stretching clearing kitchen cupboards out. Better than nothing!

    Non-negotiables:
    -18 NSDs (if not, why not?) (not fussed if I don't achieve this as long as budgets aren't blown) 1/18.
    -your budgets are set by the start of the month and are fixed.
    Food - 52.34/£400
    Fuel - £63/65 - filled my car up today - I was running on basically empty (range of < 5miles)
    Toiletries - £10
    Household - 11.23 /£20 - loo rolls
    Clothes - 12.13/ £60 - jeans for me
    Social - £100 (includes takeaway for DS2's bday)
    Gifts - £50
    -£5 to foodbank / charity - Direct debit to charity set up. Also got some babyfood free through a shopping app which I will donate to foodbank
    -pay money to your debts/savings FIRST - day to day CCs paid off in full. Some money transferred to kitchen fund. My tax bill paid in full (£565)
    -meal plan - I don't do this. OH hates meal planning. However, I am targeting stuff which needs using up first, even if only for me.

    Always plan your meals; always take a shopping list; always take your lunch to work and drink + snacks when out and about; avoid all coffee shops, vending machines, work canteens... -ok
    Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read. ok. 10 things added to CS pile today! (decluttering is going quite well )

    Stretch challenge - aim to get extra money of £50. £0.29/£50 (although have been doing surveys today so will ultimately see the benefit when at a level to cashout) Aim to declutter 50 items. 91/50
    Have joined pay off all your debts by Xmas 2018, MFW 2018 (looking to OP £4k on BTL mtge), Declutter in 2018 (aiming for 2018 items!) Relisted 7 items on fleabay

    something Joyful in Jan :
    Saw my favourite aunt and uncle today - came here for coffee and to drop off card and present for DS2.
    Last edited by greent; 05-01-2018 at 9:12 PM.
    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
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £0/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 £991.65/£17044.10 Decluttered 151/2018 items
    • abundant1972
    • By abundant1972 5th Jan 18, 7:09 PM
    • 1,193 Posts
    • 8,812 Thanks
    abundant1972
    Evening everybody!

    Raphael - happy belated Birthday

    Hang in there Kerry. As Icc86 said - keeping a track of positive things can be good. I too have been/am still walking down the rocky road of anxiety/depression. Be kind to yourself - you have been through a lot. Your life will be slowly re-arranging itself and internally this will take time, and feel very uncertain. *ANY* small thing you do for yourself, to make your life better... is a great thing. You don't and won't have to be 'fixed' overnight - in fact - you're not broken. What you are going through is a normal response. Just be kind to yourself... Hugs.

    It is always humbling to hear what others are going through in their lives - thank you for sharing with us.

    Yesterday = NSD number 3
    Today = NSD number 4

    Good news this week in that I have got some extra work secured... and discovered for the last 2 months I've been massively underpaid!!! Got that sorted and should be getting a better income at the end of Jan.

    Yesterday was a real 'down day' and I couldn't get going until gone midday. I dragged myself to the gym, and managed to not spend. I also have drank a glass of water on waking every day for 5 days... one of my smaller but positive NY resolutions. Small steps, right?

    Today I am grateful for:
    • Unexpected income heading my way
    • Being in a position to enable people and offer reassurance
    • My everyday amenities - hot and cold water, z toilet and shower, heating, a fridge, cooker and microwave, and a comfortable bed.
    I am truly blessed and abundant - and give thanks.

    x
    Ask do I 'want' or 'need' this before I spend
    Follow your heart & be true to yourself always
    Help To Buy ISA = £5483.65. EF = £2025/£4500
    NST : NSD=11/18 : Food/Spends OVERSPENT
    Exercise Sessions 2/8 + Nature Walk 0/4.
    • Kerry Woman
    • By Kerry Woman 5th Jan 18, 7:45 PM
    • 2,140 Posts
    • 20,504 Thanks
    Kerry Woman
    abundant1972 - Thank you. Sending hugs.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST January: Health, Wealth and a Life Well Lived NSD 12/18
    • mummylewis
    • By mummylewis 5th Jan 18, 7:55 PM
    • 78 Posts
    • 715 Thanks
    mummylewis
    Evening turtles!

    NSD #4 today.

    Had a tough day at work, made a mistake, dodged a pretty big bullet. All is well now though.

    Added the Xmas money to the bank, emergency fund now sat at £1262. Close to £1500 target.

    Not much else to report today, looking forward to bed!

    Hoping for NSD #5 tomorrow
    Night!
    Money Saving since 2016 and determined to be debt free by 2020.
    • f0xh0les
    • By f0xh0les 5th Jan 18, 7:56 PM
    • 1,213 Posts
    • 9,432 Thanks
    f0xh0les
    I have to take back my NSD

    I went a bit crazy and rang an electrician about a small job, and arranged it for next week, and then he rang back half an hour later and asked if he could do it today instead. So I took out £40 and the job is done. But I blew my NSD. It does mean that I can get on with wallpapering my bedroom though!

    Packed all the decorations away into the cupboard of convenience. It really is a magic place. Moved, cleared, cleaned and sorted a million things, was on my feet for 8 hours bending, stretching, putting stuff away, hoovering, and now I have sat down my back is killing me. Boo!


    Bob's s-t-r-e-t-c-h challenge -
    £5 Amaz0n voucher for football survey,
    £4 love-2-sh0p credit for postal survey,
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • Igamogam
    • By Igamogam 5th Jan 18, 8:11 PM
    • 5,467 Posts
    • 44,210 Thanks
    Igamogam
    Youngest DD left teendom today So we had Birthday breakfast in our favourite place - set us up for the day! Trip to do a bit of birthday shopping and then dropped her off at her student house in The Town. Having a party with all her school friends and a few uni friends who have returned early - handy to live so close to uni . Tonight OH and I are finishing off the Christmas cheese and biscuits...and maybe a gin! We will have a family Sunday roast to finish off Christmas break, birthdays, NY, and return to work blues.......

    Things I am grateful for today:
    A well grounded DD
    Plenty of food in the cupboards
    Living in such a beautiful place....take it for granted sometimes everyone lives with what we have on our doorstep
    Be the change you want to see -with apologies to Gandhi
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat'
    • mothernerd
    • By mothernerd 5th Jan 18, 8:26 PM
    • 2,221 Posts
    • 22,834 Thanks
    mothernerd
    Fell asleep at the screen and lost a long post. I have been very busy for the past two days and neither was a NSD. Ended up going to mum's at 9pm last night (order including freezer food and we didn't have enough space for all of ours. Stayed overnight but could not sleep. Completed the shopping with a walk to Morries first thing this morning. Bought and wrote all the January and part of February birthdays for mum, 2 gone off in the post box, one to grandma of the recipient.

    CBT was interesting but left me with a big problem. We looked at a worry tree, talked through workplace stress (some really rotten managers out there) and finished with sleeping patterns. Apart from the night shift worker, I had the worst sleep pattern. Moreover work, laptops, eating, crafting should not be happening in the bedroom if I want it to improve.

    Need to do a reshuffle on my priorities.

    I have done quite a lot of tidying (not that anyone would notice) over the past few days and found my 'plans for 2018' written in December. I confess I had misread part of the December challenge and thought we were supposed to come up with 5 resolutions. These are not fully formulated but my jottings are

    Health Eating, exercise, mental, financial, environmental

    Be in control Be ahead, not running to catch up (elements of both the December and January challenges are to be themes of 2018)

    SIMPLIFY set up routines. DECLUTTER and organise

    Modest Earnings from self-employment. Want to do more for/with my business. I am never going to make a fortune and I would not want it to become another source of stress but would like to steer it more, explore new directions (enjoyed making a needle/ scissor case and a felt applique cushion in December - some embroidery involved but a lot less hours needed to complete and enjoyed 'designing' it from scratch/ adapting when snags arose). I have been following so many rules, it just feels like ticking boxes to 'fit' rather than going anywhere.

    Go to DS3's wedding and enjoy it sounds simple but I have quite a few minor hurdles to overcome (+ one major fear).

    Have fun Going with Maya Angelou's 'aim not only to survive, but to thrive and to do it with passion, some compassion, some humour and some style'.

    Think POSITIVE Develop a positive mindset.

    By the end of the year/ In 12 MOnths time wedding will be behind us, hope to have been away with mum at least a couple of times, keeping her in her current state of health (long term conditions needing permanent medication, no immunw system and very low energy levels) but enjoying a range of activities (I have tried to get her interested in U3A - think the name put her off).

    I aim to be much lighter and fitter and have my life running smoothly (enough to cope with whatever disasters strike next).

    My emergency fund will be increasing (won't have doubled but may be nearly back to what I had before the work (new bathroom/ dpc/ repairs and upgrades to various parts of the house) I had done 18 months ago.

    Possibly have some social life away from mum but we may be trying to put a pint in a gill glass (a gill is a quarter of a pint, I believe).

    IN 5 YEARS will hopefully be one year away from retirement (provided the goalposts don't move again). May have grandchild or grandchildren and be involved in looking after them.

    In 3.5 - 4 years time I plan to have a new kitchen with any adaptations I might need going forward incorporated. I want to continue to grow some fruit and veg and will work over the next five years raising beds and making things as accessible as possible (using cheapo diy fixes and recycled materials).

    I have some ideas/ plans of how my bedroom / study/ craft room will look then (will need a new bed at some point, have had the current one for 12 years and my brother had it for 12 years before he died, so it doesn't owe us anything). Need some sort of fix for now to make the space work as a dual function (multiple function) room. I also need to reclaim some space downstairs. If I want to improve my sleep pattern this needs tackling urgently.

    Possibly/ Probably will still have DS3 and Beloved living with me, hopefully both of them earning enough to survive, living modestly but happily. Still delightfully quirky, hopefully a bit more house trained (like living with a dulux dog and a red setter).

    DS1 and wife will be more established (both now in jobs where advancement is possible) with a dog/wolf and possibly a child/children (entirely their decision).

    DS2 is the one I will always worry about. He now has a fairly secure job with prospects, has many friends, is becoming a little less reckless (ie decided tos it out the end of the rugby union season after his third concussion).

    All three of them seem to have developed/ recently been diagnosed with rare conditions with some genetic markers - don't know the long term implications of any of them.

    In 10 Years Time Should be retired so comparatively well off (for me). Hope to continue fit and well but obviously some long term conditions will be present. Want to remain active and the adaptations I am putting in place should help me to maintain my independence.

    Would like to live modestly but happily and contentedly for along time, especially if I get to bug people (I like the quote about not wanting to be seen as a sweet little old lady, rather that people say "Oh xxxx what's she up to now"). The odds are against me as I have been firmly pushed into the 'Sunday school teacher' mould since I was 8yo (Underestimate me. That'll be fun).

    Today I am grateful that I managed to stay on my feet as long as I did (with no sleep), that at least some parts of my brain are still good at coming up with creative solutions (I have designs on a piece of furniture I own but the boys hate, which may make an excellent desk/ work surface without overpowering the bedroom) and for mostly nice weather afte yesterday's downpour (I have seen better weather in Blackpool when the waves have beeen coming over the sea wall).
    This year I will be fierce
    NST Jan #16 SFD 8/18 Food £100/£100 Travel £3.60/£20 DIY £0/£30 Ent £4/£50
    No Debt No mortgage
    • Igamogam
    • By Igamogam 5th Jan 18, 8:28 PM
    • 5,467 Posts
    • 44,210 Thanks
    Igamogam
    How does playing sport (or going for a walk) make you feel? What do you enjoy about it?
    Originally posted by apple muncher
    Dont play sports as such - dabbled with badminton,tennis and squash until I realised I quite like watching racket sports...not playing them! I think my overall experience of 'sport' is that I dont really like competition and prefer to be solitary but I do like to be active and when impeded I do feel low.

    Always been a swimmer and competed as a youngster - can do the distance now but not the speed. Happily plough up and down the lanes for hours - its my go to activity for relaxation - thinking of taking up "wild" open water swimming - lots of opportunity around here

    Have done my share of extreme sports too - but lost my nerve once children came along strangely - still get into the mountains, some of the best mountain climbs and walks just out the back door, but walking only - bad knees is my excuse Love the long walks on the beaches here too. DDs and OH fly the flag of extreme sport in this household now........

    About 7 years ago I 'discovered' yoga and fell in love. I had done a lot of dancing until I went to university and I missed having a flexible body - thought I had lost it but it came right back with yoga Last year circumstances conspired against me and yoga fell by the wayside - back on it now and will going back to a class next week.
    Be the change you want to see -with apologies to Gandhi
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat'
    • misstara
    • By misstara 5th Jan 18, 10:43 PM
    • 2,532 Posts
    • 17,769 Thanks
    misstara
    NSD 4/18 today

    Did a shift for 2nd job today, should get around £40 next Friday so a good start on my extra income for the month

    Also paid £3 bank account interest to debt yesterday and another £2 today
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1141.10 (50.4% paid)
    Car debt Nov 2017 £797.68 Now £703.58 (11.8% paid) + monthly payments £146.82 1/60
    Emergency fund - £30/£1000. Car fund - £75/£1000.
    Mini Targets in January
    Exercise target - Run 0/6, Gym 3/6. Groceries target £82.80/£150. NSD target 9/18.
    • sashanut
    • By sashanut 5th Jan 18, 11:42 PM
    • 2,649 Posts
    • 24,732 Thanks
    sashanut
    No 6 checking in
    Hi all turtles

    Still improving with mobility thank goodness, get so mad when I can't get on with things. Note to self - I suppose if everything was done/decluttered/tidy etc , then it wouldn't be such a concern...doh!

    Janus So this is a time to look forwards - where do you want to be in 12 months from now? I would like to have the house much clearer. 5 years? House completely clear & clutter free, DD settled in her own home. 10 years? Spending half the year in Ireland, half here

    Activity. This is a BOGOF one. Take up a new hobby or resurrect a new one. Done some of the knitting today but out most of the morning for shopping/hair appt

    ALSO, be active. Keep moving. Moving a little better today!

    Non-negotiables:
    -18 NSDs (if not, why not?) 2/18 NSD today. Still on 2, hair appt then a small amount of shopping. Did take something back, so a refund there.

    -your budgets are set by the start of the month and are fixed. Nearly - think I will say £250 for us & all animals, should not need near this amount so all saved will go to another project. More little bits of shopping but definitely getting more mindful...sometimes I even put things back! Also started making list of items to use up...


    -£5 to foodbank / charity Will do this week. Tried to purchase something from charity, held up by website, will investigate. Still ongoing

    -pay money to your debts FIRST - do not wait to see how much is left at the end - and live within your budget Do not have debt but have a cc paid off in full each month, which gives vouchers I use at Christmas. Has been a v spendy month, will cut down as much as possible. Still a WIP

    -meal plan Lunch was leftover calzone & wrap pasties made earlier in the week, with turkey, ham & leek. In use up mode finally cooked the YS 4 bird roast - no room in freezer - so we had another almost full festive dinner..

    Unabashed, unambiguous, unconditional, undaunted, undivided, unerring, unshakeable devotion to your goal(s). [more on this later]

    Always plan your meals; always take a shopping list; always take your lunch to work and drink + snacks when out and about; avoid all coffee shops, vending machines, work canteens... Making shopping list for tomorrow now, don't work outside the home but do a bit of voluntary work. Deviated a bit from shopping list, but not much, took fruit to work & get free brews..Don't drink coffee & never go in coffee shops..will try & take snacks, drink when out & about..


    Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read. Got more books from CS to add to the stash but will return once read. Only read when in bed so takes awhile to get through

    You are the key to reducing your debt, living modestly, keeping as fit and well as you can. So look after yourself - physically, spiritually, mentally and emotionally. Determined to look after myself & pamper a little each week, have already had a face pack yesterday, need to do things for myself instead of being a in constant rush doing stuff for family..Had hair done, so pampered in that regard. Also, DH pampered me by applying the heating up cream to my back. Very kind, but I wish he'd warmed his hands first


    I want to re-introduce Bob's s t r e t c h challenge for January: how much extra can you earn / save off your food shop / move / remove. Plan to eBay lots of stuff, watch this space Nothing done yet

    Would joining the 1% thread help you? Or the MFW for 2018? Or the pay off all your debts by xmas18? Does reading mrmoneymustache or frugalwoods inspire you? Have joined Frugalwoods challenge already & will be interested to see how it pans out. Have been on MMM & introduced his philosophy to DH, applied the principles so we are now MF - wish we had done it years ago, wasted so much time/money etc. in the past..
    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
    • Eager_Elephant
    • By Eager_Elephant 6th Jan 18, 7:32 AM
    • 4,168 Posts
    • 23,502 Thanks
    Eager_Elephant
    Sorry didnt get on last night as went out for late Xmas work do - obviously was a spend day - and didnt get back til after 10pm.

    E_E - your poor DH that sounds awful, hope he gets to the bottom of it.
    Originally posted by dolly84
    Thanks Dolly, when I got in last night DH had received a letter from Public Health England to confirm that he has Whooping Cough
    He has been ill for over 6 weeks and our own GP kept saying it was the winter cough that everyone has but we went to another surgery for a 2nd opinion and it was that GP who suggested Whooping Cough and took bloods (1st lot got lost).
    Even this week our normal GP was still saying its the winter cough

    I have the same cough as him (but no fainting or nose bleeds) so I assume I also have it, I did ring the GP last week and was told I have the winter cough, I mentioned suspected whooping cough and was told it was not that but if DH comes back as that then they will test me

    Unfortunately nothing they can do but at least we know that the horrendous cough will last 3mths
    Ninja Saving Turtle No. 24 for January
    NSD - 11/18
    (up to 17/01/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Fmess
    • By Fmess 6th Jan 18, 7:46 AM
    • 2,623 Posts
    • 24,967 Thanks
    Fmess
    There’s a lot of whooping cough about at the moment EE, several children and teachers have had it at school.

    Yesterday was another SFD so I’m up to 4 now Today won’t be as I’m using some Christmas money to get a hot stone massage I should also be getting a new to me sofa today My best friend has had it in storage for two years as it doesn’t fit in her new house. I’m so excited. Just hoping it fits in the cars we are hoping to use to transport it! It’s a small corner sofa that split into two so hopefully it will. Then I’m off for dinner with my dad and family for his birthday, so should be a lovely day
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New Car and Roof Debt £0/£19033
    DecNST #2 SFD 13/15 Food 105/120 Personal 380/350 Petrol 80.01/80
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