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  • FIRST POST
    • apple muncher
    • By apple muncher 29th Dec 17, 3:41 PM
    • 6,777Posts
    • 50,426Thanks
    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 9/18; Ex 12/12; craft 1/20 (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 12
    • DancingDragons
    • By DancingDragons 6th Jan 18, 7:47 AM
    • 74 Posts
    • 828 Thanks
    DancingDragons
    Morning all! Hope those of you with birthday cake in the house are enjoying every bite!

    NSD4/18

    Dolly84, Foxholes, Greent
    Do your 8+ You Tube watchers develop whiny noises when what ever it is they need/can't find/taxi doesn't spring into action too?
    But they can see when I am busy or knackered, tbh, they just don't care. This was a primary drive for me to get myself organised and stepping up to NST Challenge. I was teaching them so many bad habbits. Throwing money at problems I can resolve myself. I'm gradually not doing things they take for granted. My go to answer is "You know where that is." ( Sink, Laundry Basket)

    But more importantly - TURN OFF THEIR NET! (Warning this triggers instant growlyness) Check out your router,(website addresses are usually on a sticker on their base) most now have the ability to set up a guest account, and they have simple howtos on their site so you can do it remotely from your phone/laptop.


    Like saving money, I'm setting little goals for them when I pop out. If its not done, no internet when I get back.
    Weekends I operate an hour on, hour off. Its a fight, but theres a mental, and physical advantage to this too. Both girls are developing... hobbies more socially aware and less crunched up. My DD1 constantly remarks after such stints that she's amazed how much she can get done in an hour - and how much better her back feels.


    Sorry if I'm telling you what you already know.


    So pleased to be able to say I managed to keep my NSD yesterday. Despite MOTing the car early (passed no problems) and getting the squeak resolved, (just a lodged stone). Mum told me she'd pay because I'd ferried her about everywhere and covered all her Christmas needs. I don't like using Bank of Mum and Dad - and it turned out to be a bit of a argument at the garage.

    She's asked me to pick up a birthday present for dad today, its a Spend Day anyway. Need to find shoes that A: fit, B: meet social acceptable requirements of a 7 year old. C: offer some level of support to her feet.
    Not asking too much am I? After Brantano closed I struggle to find stockists of Startrite, and Clarks have really let me down, so I've a trek to the big city. Pack lunches at the ready! With a flask of hot choc to ward off the chill!
    Activity Again had to cancel Yoga due to not being able to get there for the kids. Haven't made the gym this year, yet.

    Whoops everyone suddenly up... report back later.
    2018 Jan NST #26 | NSD 5/18 |
    I can do this!
    Debt: 11,989.29 goal DFD June 2020

    -34lb to 2019. Lost 5lb

    • apple muncher
    • By apple muncher 6th Jan 18, 8:10 AM
    • 6,777 Posts
    • 50,426 Thanks
    apple muncher
    Unabashed devotion to your goal - question 3
    What is your dream goal?

    (I came up with 2! Will tell you them later)
    NST January #1; NSD 9/18; Ex 12/12; craft 1/20 (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
    • laurenh1
    • By laurenh1 6th Jan 18, 8:57 AM
    • 318 Posts
    • 2,999 Thanks
    laurenh1
    apple Muncher my big big goal is to own a house with plenty of land. Not bothered about the house as much as long as its comfy but hub is into his gardening, we have chickens, want bees etc & that's a big end goal for both of us.

    Soooo I need to retract ydays spend free day boo! Bought a rucksack. However it is on my list of things we could do with & it was in the sale. Not even sorry

    Janus- still keeping year end in mind
    Activity- went YS shopping again last night done well this week, freezer is full to bursting, just need to keep it up. Easily got enough meat to see me through to end of Feb.
    Non negotiable- meal plans set for next week, still on NSD # 4, budgets; savings still same, general- 160 left for month hoping to have a little left over, which I will put towards something on my list of things that I know I will need in next 6 months. Eg- I know my boys will need a few summer outfits for their holiday. Will look to buy them as I go along so I don't notice it
    Unabashed devoation- keeping to all my budgets
    Always plan- not in work today or next week but will be taking snacks & drinks with us all next week.
    Reduce, reuse, repair- dragged out all our old board games for our break. On a mission to use what we already have.
    You- long bath plannes tonight after I have caught up with my house work.
    • Fmess
    • By Fmess 6th Jan 18, 9:09 AM
    • 2,621 Posts
    • 24,937 Thanks
    Fmess
    My two big dreams are:-

    - to find the love of my life (I’m not actively working on this so it’s looking doubtful!)

    - to live a contented, stress reduced life. I’m such a stressy person but I know there are lots of simple things I can do to help. This week I’ve started by not looking at work emails after 7pm or for at least a 24 hour window at the weekend.
    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
    • thriftylass
    • By thriftylass 6th Jan 18, 9:27 AM
    • 3,178 Posts
    • 26,116 Thanks
    thriftylass
    Good morning,

    My little ones are nearly 4 and 7. I just had a chat with them that things will change in the new year. I. E. No more just getting off the table without clearing your dishes etc etc. They're not too bad but some of your experiences tell me i need to step up the game.
    By the time i was 10 i was home alone after school, went to the bakers, then made fire at home, dishes etc etc.

    Still at FIL's will report more later

    My big dream is just to live life to the full which involves small subgoals to support this
    NST Janus 42
    SFD 8/20 spends 220/450
    Exercise 6/20
    Debt - all 0% 1900 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 105216 (01/18) OP 0
    • dolly84
    • By dolly84 6th Jan 18, 10:01 AM
    • 3,541 Posts
    • 32,480 Thanks
    dolly84
    greent - happy birthday to your DS for today. Mine arrived in the world at 1.22am so I was probably tapping my foot about now waiting to go home.

    DancingDragons - DD is the worst of my two when she can't find something, in fact she doesn't even try she just shouts and expects me to jump up and look for whatever it is. We used to have a tech free Wednesday but that has fallen by the wayside, may have to re-instate that.

    Had a lovely evening last night with our new seating arrangements, everyone was comfortable and no kicking each other.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • Toni'sfriend
    • By Toni'sfriend 6th Jan 18, 10:09 AM
    • 753 Posts
    • 10,907 Thanks
    Toni'sfriend
    My big dream was always to travel. I could never afford it when I was younger but I'm making up for it now so my ambition is to see as much as I can whilst I am able to do so.
    Other ambition is not to stress about everything. Now that's a bit more difficult!
    • mummylewis
    • By mummylewis 6th Jan 18, 10:27 AM
    • 78 Posts
    • 715 Thanks
    mummylewis
    I think my two big dreams are to be debt free (an obvious one I suppose!) But I want to be able to funnel all the money we pay back into savings!
    The second dream is probably to have a bigger house (either do a loft conversion in this one or move). If we have a second baby, we'll need more room by the time they're about 6.

    Can I ask a Question please? I've seen a few people here getting amazing vouchers or similar for surveys, which sites are you using please? Is it worthwhile with the amount of time put in?
    Thanks!
    Money Saving since 2016 and determined to be debt free by 2020.
    • 1SmallStep
    • By 1SmallStep 6th Jan 18, 10:35 AM
    • 38 Posts
    • 412 Thanks
    1SmallStep
    Just popping in with a quick question for you home bakers...
    Have been through my cupboards today (Eat ALL the food up!) and located a ood pack of dried yeast, expired recently in my book (sep17). Is it likely to still work? Need to buy in some flour to make use of it so just wanted to check first!!!
    • Chandelier.
    • By Chandelier. 6th Jan 18, 10:48 AM
    • 539 Posts
    • 1,470 Thanks
    Chandelier.
    A little late to starting here but better late then never! I hope nobody minds.. I need something to keep me accountable for and I'll aim to check in most days. So here we go...

    Janus

    12 months from now? I hopefully see myself alot happier and able to deal with my mental health condition. I hope to have established and maintain a good relationship with new man in my life. I hope to continue to save around £7k towards a house deposit. I hope this year is the year to make even more new memories with a holiday to look forward to and many family occasions. I hope this is the year to secure a permanent job where I work and to have no time off sick.

    5 years from now? I hope to have moved out and bought a home for me and the boy to live in. Ideally I'd like a 25/30% deposit and enough left over to do house repairs- this is more likely a three year plan. I hope to be more settled and content with life and those in it. You never know whats around the corner but thats the plan for now. I also hope to remain in the job I'm currently in.

    10 years from now? This is a long shot one but I'd be hoping to be in my own home, extend our little family and overall be able to have the funds to live a comfortable lifestyle. This may include me increasing my hours at work or looking for a promotion etc or even possibly retraining.. who knows?

    Activity

    I need to get back to going to the gym at least 2/3 times per week. I'd also like to take up walking more and go on walks out in the countryside with the boy. When it is those cold frosty days we can take flasks of hot drinks with us and little picnics. The fresh air would do us both good.

    Non-negotiables

    -18 NSDs (if not, why not?): I will aim for 12 NSD this month. I've a few upcoming expenses but will try to extend this to 15 if possible. I may attempt to plan my NSD ahead in advance if possible and try to see if there is a pattern on days I'm more likely to spend.

    - Budgets:
    January has been a funny month so far but I'm working through the budget more slowly and still getting back in the swing of things. I used to be really good at this but have a few upcoming expenses that weren't budgeted for and will have to find these from other pots. February will be a much better month budget wise after reviewing all current direct debits and cancelling a few things, I'll know where I stand.

    -£5 Foodbank: I'll take the boy shopping with me and pick up items which will go straight into the foodbank collection point. I'll probably allow the boy to choose what items to buy and involve him.

    - Pay money to your debts FIRST: January debt payments were made at the end of December. A small inheritance thrown my way has meant I've been able to clear all debt (noted in my previous diaries) and I now have a clean slate to work on for 2018 . Instead of paying towards debt, I'll now pay money to my savings first at the beginning of each month.

    - Meal plan: I need to work on this and get back into the routine of three meals a day. I often only have one meal a day and snack in between. I need to look at all food stores and make a plan for both the boys lunch boxes for each day and meals for tea time that work around our routines.

    Goals

    I'll post my goals for January here. I'm not making too many that I become overwhelmed but just enough to give me something to focus on.

    - Lose 5lb (If more brilliant, if not then it's okay).
    - Practice some CBT techniques
    - Use a diary and a daily journal log to track thoughts/feelings and behaviours. Remember to note the positives I experience each day.

    Reduce, re-use, repair, re-gift, recycle, recover, refuse!

    I will aim to reduce the clutter in my life and use up what I have left before buying anything else. I need to reorganise and decorate my room and January is a good time to start. It's not going to be a quick fix but rather a work in progress so I'm not putting too much pressure on myself.

    --
    Last edited by Chandelier.; 08-01-2018 at 10:35 AM.
    Check out my Diary
    • lcc86
    • By lcc86 6th Jan 18, 11:17 AM
    • 941 Posts
    • 2,644 Thanks
    lcc86
    Morning Turtles,

    Taken rabbit to the vet this morning, was free as covered by the rescue centre as it's a pre-existing condition. I've also got an hour of studying done, just having a break to do housework and chores (not much of a break then really!) and then will get back to it later. I need to pop into town to get a few bits so it won't be a spend free day, and also OH and I are going out to dinner to celebrate our anniversary. It won't be expensive (have already checked the menu lol) and I don't drink so that always helps keep costs down.

    My eye is getting worse, it's very swollen and I can only open it halfway. That's an attractive look when you're out to dinner! am hoping it clears up a bit, I have a doctor's appointment next Friday.

    I think I need to take some of your tips on board about children - except apply them to OH! he's been frustrating me recently, he gets home from work, switches on the computer and sits there all night, and I have to do everything. Then he expects a medal for taking the hoover out once in a blue moon... I need to get him to realise that I'm not his mother and that this isn't a hotel, but he gets so defensive any time I bring it up! I am half thinking of going on strike, and just moving any mess he makes into the bedroom (his side of course) and leaving it there until he gets the message!
    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
    • Eager_Elephant
    • By Eager_Elephant 6th Jan 18, 11:41 AM
    • 4,162 Posts
    • 23,449 Thanks
    Eager_Elephant
    Thereís a lot of whooping cough about at the moment EE, several children and teachers have had it at school.

    )
    Originally posted by Fmess
    Hi Fmess

    DH works in a school and as they take international students there is a risk as not all countries vaccinate and the GP said that nowadays a lot of UK parents don't vaccinate. We do know 1 child had it and so we guess DH picked it up from there.
    Ninja Saving Turtle No. 24 for January
    NSD - 8/18
    (up to 14/01/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Eager_Elephant
    • By Eager_Elephant 6th Jan 18, 11:43 AM
    • 4,162 Posts
    • 23,449 Thanks
    Eager_Elephant
    What is your dream goal?

    (I came up with 2! Will tell you them later)
    Originally posted by apple muncher
    My dream goal is to own my own smallholding with campsite and to run that as a proper business.

    I will get there eventually, I don't want to get to 60 and have loads of regrets - life is for living!!
    Ninja Saving Turtle No. 24 for January
    NSD - 8/18
    (up to 14/01/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Eager_Elephant
    • By Eager_Elephant 6th Jan 18, 11:50 AM
    • 4,162 Posts
    • 23,449 Thanks
    Eager_Elephant
    I
    Can I ask a Question please? I've seen a few people here getting amazing vouchers or similar for surveys, which sites are you using please? Is it worthwhile with the amount of time put in?
    Thanks!
    Originally posted by mummylewis
    Hi mummylewis,

    I am one of those who does surveys. In terms of whether it is worth it with the amount of time put in I would say that compared to minimum wage it probably isn't worth it but I find that it suits my life. I work full time, have a poorly DH, dogs, cats, a smallholding, DS at Uni and DD at home (teenager) and I don't know how I would fit in a part time job to earn minimum wage. With the surveys I can do a few each day when I get a chance and it does all add up, if I feel tired/ill I don't worry about surveys but if I had a part time job I would have to go in whether I felt tired or not.
    Also with the part time job I would be paying 20% tax on all the earnings as I earn over the tax threshold so would be earning less then minimum wage anyway.

    I like being tucked up at home on winter nights all cosy and warm and doing a few surveys.

    You wont make your riches from it but it can help boost the coffers for things like xmas/birthdays etc

    If you want a list of sites I use and how I find them I can do that - I think some also have referral codes.

    Or head over to the Up Your Income board and there are some threads on there about surveys.
    Ninja Saving Turtle No. 24 for January
    NSD - 8/18
    (up to 14/01/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Eager_Elephant
    • By Eager_Elephant 6th Jan 18, 11:59 AM
    • 4,162 Posts
    • 23,449 Thanks
    Eager_Elephant
    I think I need to take some of your tips on board about children - except apply them to OH! he's been frustrating me recently, he gets home from work, switches on the computer and sits there all night, and I have to do everything. Then he expects a medal for taking the hoover out once in a blue moon... I need to get him to realise that I'm not his mother and that this isn't a hotel, but he gets so defensive any time I bring it up! I am half thinking of going on strike, and just moving any mess he makes into the bedroom (his side of course) and leaving it there until he gets the message!
    Originally posted by lcc86
    If you exchange computer for TV I would have thought we have the same OH

    My OH is the same and is one of the reasons I have told him I want a divorce, since that announcement we have both been ill so nothing further has happened but it will once we are better.

    I don't understand why it is ok for men (generally) to work all day and when they get home to relax for the rest of the evening but women work all day and then get home and do kids/housework/cook/other housey things and then only get to rest at bed time.

    The reason he gets defensive is because he knows you are right and is trying to deflect your concerns. When I went to Relate (years ago) with OH we were taught that when we wanted to discuss things we should never start a sentence with 'You...' as that is accusatory and gets people on the defensive. Its better to start with 'I feel..', 'I think...' so for instance 'You are a lazy pig in the evenings' is not very nice and is accusatory but if you say 'I feel really annoyed when you get in from work and relax all evening when I have to cook tea/do housework etc and I don't get a chance to relax', it is saying how you feel and no one can remove your feelings but also it is not as accusatory as you are not calling him lazy but just telling him how you feel.

    Sorry if it is a bit of a ramble but hopefully you get the idea, when I used this idea ( and we had a sheet with ideas to start sentences) it did lead to better conversations as no one accused any one and instead just expressed how they felt.
    Ninja Saving Turtle No. 24 for January
    NSD - 8/18
    (up to 14/01/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • DawnW
    • By DawnW 6th Jan 18, 1:23 PM
    • 4,736 Posts
    • 36,518 Thanks
    DawnW
    Just popping in with a quick question for you home bakers...
    Have been through my cupboards today (Eat ALL the food up!) and located a ood pack of dried yeast, expired recently in my book (sep17). Is it likely to still work? Need to buy in some flour to make use of it so just wanted to check first!!!
    Originally posted by 1SmallStep
    It should still be ok, though you would be best using a bit more than the recipe states. Not sure I would be buying bread flour just to use this up though, unless you intend to bake regularly enough to use it
    NSDs for January 4 /18
    Decluttering 20 /31

    • 1SmallStep
    • By 1SmallStep 6th Jan 18, 2:37 PM
    • 38 Posts
    • 412 Thanks
    1SmallStep
    Thanks DawnW! I have a full audit of the cupboards now! No flour of any sort in any quantity. Bizarrely our coop often reduces bread flour so I'll keep an eye out over the next week or so!
    • apple muncher
    • By apple muncher 6th Jan 18, 2:38 PM
    • 6,777 Posts
    • 50,426 Thanks
    apple muncher
    Welcom chandelier- you are now a turtle with a number!
    NST January #1; NSD 9/18; Ex 12/12; craft 1/20 (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
    • mummylewis
    • By mummylewis 6th Jan 18, 2:48 PM
    • 78 Posts
    • 715 Thanks
    mummylewis
    Hi Eager_Elephant, thank you for your reply!
    I'm just after something that supports things like birthday present buying as I never really budget for those, they tend to come out of the grocery budget!
    I'll take a look on the boards but if you do have a referral link I'd really appreciate it!

    Today is shaping up to be a NSD, only half a bottle of milk left though so will need to get some tomorrow. Gutted as I didn't want to shop until Tuesday! Damn DH telling me on spendy weds that we didn't need any more milk!!

    I've emailed British Gas today, I think they've been charging me for gas during my free time, which if that is true (saw my smart meter go up today when it shouldn't!!) It's probably been the case since June 2016! Fingers crossed for a refund of some sort.

    Still waiting on my costume refund, will give til Tuesday before I chase.

    Put some shoes up for sale on Facebook today too, hopefully they'll go, brand new and a desirable brand. I was bought them about 6 years ago and couldn't walk in them! Can't justify having shoes just to look at! Will make me around £30 if they go.

    MLx
    Money Saving since 2016 and determined to be debt free by 2020.
    • Lauralozzle
    • By Lauralozzle 6th Jan 18, 4:53 PM
    • 540 Posts
    • 4,816 Thanks
    Lauralozzle
    Both Thursday and Friday were spendy (and to be honest, could have been avoided) but today has been a NSD so Iím at 3/18.

    Iíve managed 10,000 steps whilst at work, but today has been a quiet day where we havenít done anything and because of this, my step count today is down. I donít mind though, I need to recoup because I was very tired after going back to work. Sometimes you just need a day where you donít do much at all and just recharge.

    I didnít take a packup to work on Friday and ended up going to Tesco to buy my lunch. Epic fail there as it was one of my main targets this month, but Iíll make sure I donít make the same mistake again this month. Buying lunch at work is not something I can afford, and I must make and afford to sort out my lunches in the evening, even if Iím tired. I might set a Ďno relaxingí rule until lunches are prepped and the kitchen tidied up after dinner.

    Iíve been trying out surveys this month, to try and boost my income a little bit. Iíve been invited to take part in some market research which Iíve accepted and as long as I carry it on, I should get £10 vouchers a month. Itís not a lot, but it all helps and vouchers will come in handy when it comes to birthdays and such.

    Using up more bits from the fridge and freezer today - itís looking very bare but we have enough. Shopping is tomorrow and Iím hoping I can keep it down and use up bits from cupboards. We canít avoid it though - we have no milk at all. After todayís dinner we will have a bendy carrot and a bendy leek in the fridge so we need more veg (and fruit, the fruit bowl is empty).

    My long term dream goal - is to be able to afford to work part time and be in our dream house.
    January grocery challenge £189.15/£275 | January NSD 06/18
    Credit Card 1: £95.00 (0%) | Credit Card 2: £2,233.50 (0%) | Credit Card 3: £787.60 (0%) Car Finance: £7,865 (7.9% APR) | Mortgage: £111,173 (2.79% APR) | Emergency Fund: £65.56/£1000 | Honeymoon Fund: £474.16
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