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  • FIRST POST
    • mothernerd
    • By mothernerd 29th Jan 18, 8:24 PM
    • 2,280Posts
    • 23,596Thanks
    mothernerd
    NST February A FOREST ADVENTURE
    • #1
    • 29th Jan 18, 8:24 PM
    NST February A FOREST ADVENTURE 29th Jan 18 at 8:24 PM
    NST February

    A FOREST ADVENTURE

    For February, I want to take you on a trip to the Fantasy Forest. This is no domestic wood. The Fantasy Forest is packed with dense green foliage and bright flowers. It is dense and humid. (You may want to retreat there for a few minutes each evening).

    The forest is wild and dangerous. There may be traps (broken boiler/ burglary). The animals may not all be friendly. We may encounter snakes, monkeys or polar bears (salesmen, procrastination, totally unexpected) to slow our journey or force us from the path to debt freedom.

    The insects will undoubtably bite. We may succumb to lurgy or delirium (getting am*z0n to send a drone won't really hurt, will it?). Youngsters and young adults will be joining us during half term and we must make provision for them.

    How will we survive. We will prepare and plan thoroughly. We will think what we need (not want) and stick to our goals, find solutions when set backs occur. We need to be as fit as possible (physically, mentally, spiritually and financially). If we are under par, we must take steps to right this.

    When it's hard, we will just keep plodding. We will help and encourage those who are struggling or suffering and celebrate any and all success. No turtle gets left behind.

    The forest is beautiful and magical. Enjoy the journey.

    THE RULES

    Always pay to debts or savings first, live on what is left.

    First of February until the 28th, inclusive. All turtles commit to following the rules.

    Organise your budgets before the start of the month and stick to them.

    Reserve a small portion of your budget (cash or goods) for the food bank or charity of your choice.

    Environment Be aware of your surroundings and use all your senses. Be alert to danger but also to beauty.

    Stock take your cupboards, fridge and freezer. Base your meal plan upon them and your shopping list on what is needed. Stick to your list.

    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions).

    Always take your lunch to work and snacks and drinks for outings or appointments (may excuse one trip with children or allow ice creams etc if part of the experience).

    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another.

    Valentine Who? We will not be celebrating commercialism or bad taste. Do your own thing. Practice kindness to all and don't forget yourself. Treat yourself kindly, like a friend or someone you love and care about. Smile, hug, say hello (I understand these things are culturally unacceptable in London and some southern regions - try to change it but don't get arrested or committed). Small gestures of kindness may make someone else's day.

    Exercise 5 times a week please. It should be commensurate with your abilities and current state of health (be careful after flu/ viruses). Getting outside helps with mantal health too.

    NSDs are staying at 18 this month. that is still 10 days available for necessary shopping. There would be far fewer opportunities in the forest. Exceptions for medical care, petrol (should be within budget), bus fares, ys bargains and milk for greent.

    Throw
    it away. We should all be aware that there is no such place as 'away' and recycle or donate appropriately but we all have too much stuff and even if you are ill, getting the rubbish and recycling helps slow the descent into chaos.

    Use what you have. Fix something (for free if possible). Make something from a cardboard box (ideas for half term). If you have time, it may be useful to go round your house making a list of things that need fixing. Some may need to wait for better weather but when you are repaying debt and the focus is on that, you may find your house looking rather shabby. If you have a list of things that can be fixed or improved at little or no cost, it can give you a lift and a sense of progress.

    Refuel properly. You ask a lot of your body, give it the fuel that it needs - healthy food, water, a reasonable amount of sleep. Refuel your mind and spirit by taking time to relax and rewind.

    Elephants and Frogs. We all have them. For newer turtles who have never visited Flylady, a frog is any task you have been putting off - eg a difficult phone call. Over time the small task has become a giant obstacle. Tackle the frog and the rest of your day will be a breeze.
    An elephant is such a huge task that you just do not know where to start. How does one eat an elephant? One bite at a time. elephants need to be broken down into small manageable pieces. i want to hear about lots of frogs being eaten and the odd elephant being cut down to size. (That will leave us with more time to hide from the polar bears).

    Along the way we will have daily inspiration. This challenge is intended to be hard (several turtles were already anticipating a difficult month) so this month's quotes are going to be gentle and nurturing.

    They are not a get out of jail free card, but when you are having a difficult day, just focus on the quote of the day, take comfort from it.

    There may also be mini challenges, but these are optional.

    So who is tough enough for the turtle challenge.











    This year I will be fierce
    NST Feb #1 SFD 12/18 Food £99.89/£120 Travel £7.50/£20 DIY £0/£30 Ent £2.05/£20 (+ £20 membership fee)
    No Debt No mortgage
Page 10
    • laurenh1
    • By laurenh1 8th Feb 18, 9:54 PM
    • 369 Posts
    • 3,685 Thanks
    laurenh1
    so the car is now fixed hurrah, turns out it was no biggie!

    house cleaned, recipe folder sorted & Pizza dough made for tomorrow.

    off to start another of my unread books really enjoyed my last one, couldn't put it down last night which is crazy as it took me about 3 years to pick it up.

    put my name down for over time next week so Im working Mon- Fri! boo. however we need the cash really as kids will need new shoes next month I think.

    greatful for- my eldest doing well with his potty training (although a little sad as he is undeniably a child now & not a baby & its breaks my heart its going so fast) , for my wonderful friend buying him a worry eater as he keeps having bad dreams & for my husband helping my clean the house
    • sashanut
    • By sashanut 8th Feb 18, 11:20 PM
    • 2,693 Posts
    • 25,074 Thanks
    sashanut
    No 10 checking in
    Hi all

    Good nights sleep makes all the difference...have new system now which seems to be working better...


    Always : Will try to make sure I can make/save some money this month instead of always spending up to the max..Had to go to an appointment today in a town I haven't been to in quite a while so did spend - only on food YS bargains mainly, too good to leave...


    First : Agree

    Organise : Did eat at home before we left but got such good YS items that we had one of them for supper. Will inventory fridge (s) tomorrow but no shopping for food will be needed..honest!

    Reserve : Already make a charity donation each month from joint acc. Will also set up a DD for an animal one. Still to do

    Environment : Out to a nearby town, love the architecture, made time after the appointment to see a local attraction - from 1776 - that has been refurbished. Was fantastic, but not many bodies there today. Back home to pouring rain & garden mudbath, heyho..

    Stock take : Lunch & dinner all from fridges/freezer still haven't had to chuck anything as yet which I thought I would. Need to stocktake all other food stocks (kitchen cupboards, pantry, larder, cellar ) will start tomorrow. Keep saying this & not doing it...


    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions): Not planning on any takeaways, too much food here to need any.

    Always take your lunch to work and snacks and drinks for outings or appointments: Did this.


    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another: Kept surface clear & did new routine with dogs. We may be making a rather big change, which will mean being out of the country for quite a while...therefore need to get on with changes here asap.

    Valentine Who? : Card only for DH, already have. Got YS items to make meal next week already..


    Exercise 5 times a week please: Could well be gardening or clearing, cleaning etc but will aim to be active. Walking round attraction, plus walking up to town - all Yorkshire towns seem to be built on hills..

    NSDs are staying at 18 this month: Still 2/18

    Big push on this, much clearing needs to be done but refuse to toss useful stuff, will freecycle or CS - but preferably sell! Have photos ready to list now, will list this weekend.

    Use what you have. Fix something : Have some knobs on drawers cupboard etc in bedroom that have come adrift. Need superglueing or I have already bought 4 new ones if not fixable. Not done yet. Have quite a bit of paint, paper etc & can use this to refurb & refresh house.

    Refuel properly: Will do this, already am taking some steps to improve health & sleep patterns. Taking supplements now & bedtime tea, seems to be working. Tea combined with pillow spray etc got me to sleep, refuel needs a reboot as eating too much carp.


    Elephants and Frogs: Frog printer tackled today & is now working, albeit intermittently. Elephant - sorted two bags of stuff DD brought round for me to take to CS. Some only fit for rags, some summer stuff that will get ragged if I take it in now, and some I can take on Tues. Not much on this today, but did realise that it needs to get done before the garden explodes into life...no sorting today, but will try & press gang DH into helping tomorrow. Need to do 3 phone calls now..

    Thanks mothernerd for running the challenge, it is very much appreciated even though I am not a model turtle pupil yet
    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
    • mothernerd
    • By mothernerd 9th Feb 18, 12:19 AM
    • 2,280 Posts
    • 23,596 Thanks
    mothernerd
    Have we a naughty step still

    Spent as forecast on some cookies for grandson and I ate two. Diet huh.

    Had a bit of time to kill before school collection so bought a jumper for myself thinking it will be great for work however decided why do I only buy clothes for work. It would look fab with jeans at just £10 hope my stay in the naughty step won't be for long

    Decided bf is in one of his moods really there must be better out there. Just need to find one
    Originally posted by Calling14
    I think you were just making sure there was no food waste. Sympathy on the bf front, think you are incredibly brave. I ditched the last one rather than nurse him through the third bout of depression brought on by the behaviour of the woman he was seeing (the one he did not tell me about). Should have known when his friends said "We like this one", the first time we went out.
    This year I will be fierce
    NST Feb #1 SFD 12/18 Food £99.89/£120 Travel £7.50/£20 DIY £0/£30 Ent £2.05/£20 (+ £20 membership fee)
    No Debt No mortgage
    • mothernerd
    • By mothernerd 9th Feb 18, 12:27 AM
    • 2,280 Posts
    • 23,596 Thanks
    mothernerd
    Day 9 Inspiration
    If every day is a gift, then today was socks

    I'm glad I don't have to hunt for my food - I don't even know where sandwiches live

    There is a calmness to a life lived in gratitude. A quiet joy.
    This year I will be fierce
    NST Feb #1 SFD 12/18 Food £99.89/£120 Travel £7.50/£20 DIY £0/£30 Ent £2.05/£20 (+ £20 membership fee)
    No Debt No mortgage
    • apple muncher
    • By apple muncher 9th Feb 18, 7:21 AM
    • 6,945 Posts
    • 52,046 Thanks
    apple muncher
    Sashanut - what are the changes that will involve living abroad? Sounds exciting.
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (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 9th Feb 18, 9:09 AM
    • 369 Posts
    • 3,685 Thanks
    laurenh1
    morning turtles

    today is NSD #7.Tomorrow will definitely be a spend day as I need to get a gift for a wedding party I an going to & my LO needs a hair cut. no idea what to get them.

    budgets
    emergency fund 1000
    Paris 700
    xmas 18 100 (need to save more but this is on hold for a few months have a budget for it to be at 700 by August)
    spends £ 97. gonna have to take quite a bit out tomorrow- 6 hair cut 40 for present & spends at the party. whatever I have left will need to last me til next fri so I have 50quid for the last week. should only need fruit though

    not loads to do today- bit of house work, kids need a bath. want to make hub a Valentine's card

    have a lovely fri all xx
    • dolly84
    • By dolly84 9th Feb 18, 9:22 AM
    • 3,672 Posts
    • 34,000 Thanks
    dolly84
    sashanut - what attraction did you visit? I live in Yorkshire and am always looking for new things to do locally. BTW I love our hills particularly cycling up them (I love the satisfaction at the top not the journey up so much).

    apple - my house is the same, I would be interested to hear what you have planned to make yours better for minimal spends.

    Posted an ebay sale yesterday, the £6.83 I made on it has gone into our holiday pot, I listed some more things too. I keep letting things go bit by bit, I have made my peace with the original money spent, the damage is done there but I will make much better choices in the future.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • f0xh0les
    • By f0xh0les 9th Feb 18, 10:15 AM
    • 1,274 Posts
    • 10,117 Thanks
    f0xh0les
    Only one at home off school today. I can just about scrape by with no shopping today but it will be very necessary tomorrow. So NSD 7 but I am having to get a bit creative and the meal plans went out the window. Tonight will just be a simple tomato pasta - they are all complaining about sore throats and so I am just keeping it simple. No fuss. Soft foods. Plenty of hot drinks and cold ice pops. Might make another tray of flapjacks for them.

    So, today will be keeping DS3 happy on the sofa, hopefully the Winter Olympics will help somewhat, and getting creative in the pantry, and making tempting treats and some time-trial speed cleaning.
    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
    • WelshKitty85
    • By WelshKitty85 9th Feb 18, 11:06 AM
    • 656 Posts
    • 5,898 Thanks
    WelshKitty85
    Calling just noticed you mentioned saving for blinds - have you already decided where you are getting them from? Only ask as we got a really good deal from a local company when we moved house. Happy to pm details if you want them?

    5 NSDs to date. Today will be a spend day as me and DH have a rare evening to ourselves and are making the most of it and having a night out. Will keep spends minimal though.
    Battling my final debt:
    Credit card - £4844.62(Dec 16) £3032.78
    • Siebrie
    • By Siebrie 9th Feb 18, 11:13 AM
    • 1,066 Posts
    • 17,706 Thanks
    Siebrie
    If every day is a gift, then today was socks

    I'm glad I don't have to hunt for my food - I don't even know where sandwiches live

    There is a calmness to a life lived in gratitude. A quiet joy.
    Originally posted by mothernerd

    Mothernerd, I'm not in this challenge, but thank you for the laughs!! My sandwiches live in an unassembled state in the company fridge - I'm off to gather them now
    Wombling to wealth 2018 € 175,00 = £ 114.97
    Still a womble 2017 #25 € 7116,68= £ 6309.50
    Wombling Free 2016 #2 € 3.483,31= £ 2,969.05
    • laurenh1
    • By laurenh1 9th Feb 18, 11:39 AM
    • 369 Posts
    • 3,685 Thanks
    laurenh1
    valentines card made for Daddy & it it awesome. lots of foot prints & glitter. i cannot imagine anyone preferring a shop bought card. although I cannot imagine anyone preferring the clean up afterwards.

    need to get my house clean now ready for pizza making tonight my house is clean for about 15 mins per day
    • Calling14
    • By Calling14 9th Feb 18, 2:18 PM
    • 2,625 Posts
    • 19,228 Thanks
    Calling14
    Spendy day again for me lemons, chocolate spread - having pancakes tomorrow instead of Tuesday.
    Also booked in for eyebrow tidy up. No idea how much that will cost, some dye needed as few hairs snow white.

    Mothernerd not sure I am brave I just tolerate a moody man.Why don't know? He does suffer from depression and is very shy meeting new people. I try to avoid seeing him sometimes as he can make me miserable. I really need an escape plan with a hunk but that's not happened yet.

    Mothernerd quotes are funny and inspirational at the same time

    My daughter made me laugh yesterday. She does dog walking for a living, drove to the beach and realized she had forgot the dogs

    Suddenly I felt good about myself
    LBM 13039 1.1.13 Start 2018 £5552 NOW £4088
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 1464/£5552 DFD 12/18
    E
    Fund #9 £220/£1,000
    1 x 100 days challenge
    £1299/£2000

    • misstara
    • By misstara 9th Feb 18, 5:53 PM
    • 2,588 Posts
    • 18,232 Thanks
    misstara
    Sorry haven't posted for a few days - work is particularly hectic at the moment.

    I'm now up to 6/18 NSDs. Went to the supermarket today and spent £27.86. Put some items into the food bank collection.

    Have been to the gym/running 5 times so far this month

    Made a wee payment to the debt today - £3.06
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1068.81 (53.6% paid)
    Car debt Nov 2017 £797.68 Now £670.24 (16% paid) + monthly payments £146.82 2/60
    Emergency fund - £55/£1000. Car fund - £100/£1000.
    Mini Targets in January
    Exercise target - 7/12. Groceries target £153.73/£150. NSD target 11/18.
    • Kerry Woman
    • By Kerry Woman 9th Feb 18, 7:21 PM
    • 2,189 Posts
    • 21,107 Thanks
    Kerry Woman
    NSD achieved 7/18
    Brought lunch into work and walked for exercise.
    Grateful for:
    Achieved quite a bit in work today.
    Good bus connections on the way home tonight from work.
    Broke up today from work as it is half term.
    Having a laugh in work.
    Chilling out this evening.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST February A FOREST ADVENTURE NSD 16/18
    • apple muncher
    • By apple muncher 9th Feb 18, 7:55 PM
    • 6,945 Posts
    • 52,046 Thanks
    apple muncher
    Today I am grateful for eating 3 frogs (still have a pondful to get through...!), for dd enjoying school, for getting a workout done, for the washing machine playing nicely at the mo, for buying our tickets to bham, for the tulip leaves poking through, for spotting our resident badger, for a good chat with big sis.
    NST Feb Forester #5; NSD 12/18 ; Ex 16/20 ; craft 3/20 (21); remove 51
    2018 Pay off: £563; 2
    018 sell

    Mortgage £22,936 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • sashanut
    • By sashanut 9th Feb 18, 11:43 PM
    • 2,693 Posts
    • 25,074 Thanks
    sashanut
    No 10 checking in
    Hi all

    Sleep still good, will keep up the new regime..


    Always : Will try to make sure I can make/save some money this month instead of always spending up to the max..No spends today


    First : Agree

    Organise : Made some leek & potato soup from stocks for lunch, then LO HM fishcakes for me & YS pizza for himself.


    Reserve : Already make a charity donation each month from joint acc. Will also set up a DD for an animal one. Still to do

    Environment :
    Sunny but cold day here today, outside into garden doing lots of pruning before it all gets out of hand. Pleased with progress there, not so pleased with flaking paint on top of low wall, only done last year. Now looks shabby & will need doing again :mad:


    Stock take : Lunch & dinner all from fridges/freezer still haven't had to chuck anything as yet which I thought I would. Need to stocktake all other food stocks (kitchen cupboards, pantry, larder, cellar ) will start tomorrow. Keep saying this & not doing it...again!


    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions): Not planning on any takeaways, too much food here to need any.

    Always take your lunch to work and snacks and drinks for outings or appointments: will do.


    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another: Surface still clear but still the only one!!


    Valentine Who? : Card only for DH, already have. Got YS flowers yesterday, they look lovely & I can use them as my Valentines, no need to get any more..

    Exercise 5 times a week please: Could well be gardening or clearing, cleaning etc but will aim to be active. Today it was gardening, wrestling with big branches I cut off trees & lots of brambles. Bonus was I unearthed dogs' ball which had landed in a giant yucca - he WILL be happy..

    NSDs are staying at 18 this month: NSD today so now 3/18

    Big push on this, much clearing needs to be done but refuse to toss useful stuff, will freecycle or CS - but preferably sell! Have photos ready to list now, will list this weekend.

    Use what you have. Fix something : Have some knobs on drawers cupboard etc in bedroom that have come adrift. Need superglueing or I have already bought 4 new ones if not fixable. Not done yet. Maybe will need to buy more outside paint, the one I used was rubbish...

    Refuel properly: Will do this, already am taking some steps to improve health & sleep patterns. Taking supplements now & bedtime tea, seems to be working. Tea combined with pillow spray etc got me to sleep, better food today & refrained from picking.


    Elephants and Frogs: Frog printer tackled today & is now working, albeit intermittently. Elephant - sorted out some of DHs old polo shirts that will only be ragged at CS but that's fine, he won't wear them again as he found some that actually fitted him & never wears the old ones.
    Frogs 3 phone calls, one to cancel hair appt next Weds (will save a packet), tree surgeon who will come over weekend to price for trimming our massive Black Poplar tree, which has a TPO on it - will cost a packet but necessary as it overhangs the road and call to gas engineers to sort out DDs boiler & fire...whew


    apple muncher - hmm perhaps I am guilty of making my life sounds more exciting than it actually is...it would involve living in Eire in order to get residency, due to the Brexit changes although it all seems very up in the air atm...

    dolly84 - again, perhaps calling it an attraction made you think of a major new something, but it was The Piece Hall in Halifax.
    What a fantastic building & so little known..it has been restored & just reopened. My only gripe was that there was no yarn shop - as it was a wool merchants selling place, but there was no wool..as yet..

    Thanks mothernerd for running the challenge, it is very much appreciated even though I am not a model turtle pupil yet
    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
    • laurenh1
    • By laurenh1 10th Feb 18, 8:59 AM
    • 369 Posts
    • 3,685 Thanks
    laurenh1
    Good Morning Turtles!!

    today is a spend day, lots of errands to run & things to do. still on my 2 spend days a week target though.

    budget still 97 but I suspect it will be closer to 50 by the end of the day. hoping I can spend very little at the party tonight.

    my lovely Mummy said last night she would pay spends for center parcs in August. August marks the end of childcare being so high ( it will still be 600 a month but not 1200) & so I intended to be a bit more relaxed anyway & have a few lunches in the cafes/ by the pool rather than always being a mum armed with a lunch box but this is very kind of her & the money I had intended to spend can go towards savings/ xmas.
    every tiny detail of our lives is currently in a strict budget, I am very much looking forward to things relaxing (slightly )

    weigh in today- hoping the lettuce leaves pay off haha

    hope you all have a relaxing Saturday!!
    • dolly84
    • By dolly84 10th Feb 18, 9:23 AM
    • 3,672 Posts
    • 34,000 Thanks
    dolly84
    sashanut - You must live pretty close to me, I am about 5 miles away from Halifax. I love the Piece Hall and they've done a fab job on the restoration but I do miss the cobbles. It would be nice to see all the units full but I imagine it is pricey for rent. We need more tourists, there is tons to do around here. I love to cycle through to Hebden Bridge, wander around the shops, go up Cragg Vale and then come back on the canal path.

    Had planned to go for a walk with a picnic today but it is raining so we will see. Cycled yesterday, it was very windy which made the hills so hard but worth it for the legs. Hoping to not spend too much over the weekend but best laid plans and all.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • greent
    • By greent 10th Feb 18, 9:39 AM
    • 6,688 Posts
    • 68,829 Thanks
    greent
    Day 9
    Always pay to debts or savings first, live on what is left. - car & 0% CCs on direct debit. 'Regular' spending CC cards always paid off in full by start of month. Once kitchen/ workmen fully paid for this month we will know what (if any!) we have left and that can go to OH's 0% CC. Any extra monies will also go there - small amount of cashback claimed and added to kitchen fund at mo - as any excess is going to CC anyway - should hopefully be paying for last of the kitchen (and bathroom) workmen bills within next 7-10 days and then I'll know exactly where we are

    First of February until the 28th, inclusive.
    Organise your budgets before the start of the month and stick to them.
    * Food 114.66/450 -
    * Diesel (me) - 0/65
    * Toiletries - 0/10
    * Clothing - 17.99/100 - OH bought some sports stuff
    * Social - 0/50
    * Half term - 0/75
    * Money in - 3.40/50

    Reserve a small portion of your budget (cash or goods) for the food bank or charity of your choice. - ok. Monthly DD to WWT. Should be attending a charity coffee morning next weekend and paid out 3.10 to school charity things. Also a small bag of toiletries to foodbank

    Environment Be aware of your surroundings and use all your senses. Be alert to danger but also to beauty. -

    Stock take your cupboards, fridge and freezer. Base your meal plan upon them and your shopping list on what is needed. Stick to your list. - desperately in need to top up supplies once kitchen is in! In the meantime we are shopping for little bits 'n pieces and eating stuff up from freezer
    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions). may have family takeaway as social if budget unspent elsewhere.

    Always take your lunch to work and snacks and drinks for outings or appointments (may excuse one trip with children or allow ice creams etc if part of the experience). - have half term budget- will take lunches if applicable but something like ice creams may fall into budget here

    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another.

    Valentine Who? after 30+ years together we don't really do Val now (although I may buy some of the flowers for myself afterwards if they have been reduced

    Exercise 5 times a week please. It should be commensurate with your abilities and current state of health (be careful after flu/ viruses). Getting outside helps with mental health too. - 3 weeks into flu/ post flu chesty cough/ fatigue/ poor breathing. Not doing any cv exercise until much better. Feeling better each day, so should have some luck here after half term. Have done between 10 and 14k+ steps every day this week.
    NSDs are staying at 18 this month. that is still 10 days available for necessary shopping. There would be far fewer opportunities in the forest. Exceptions for medical care, petrol (should be within budget), bus fares, ys bargains and milk for [B]greent. 3/18 -
    Throw it away. We should all be aware that there is no such place as 'away' and recycle or donate appropriately but we all have too much stuff and even if you are ill, getting the rubbish and recycling helps slow the descent into chaos. - looking to remove 150 items this month - whether sell/ donate/ recycle/ bin - 12/150

    Use what you have. Fix something (for free if possible). we need to update our house to do list this month - some jobs are being done as we have workmen in for the kitchen so are having them do some other bits whilst here (more cost efficient ) My main focus is a big clean and tidy- lots of dust spread everywhere from the works - some small jobs now ticked off. Clean up is in progress.
    Refuel properly. Feb is a month of re-charging for me

    Elephants and Frogs. .Am sure I can find some frogs. An elephant I need to tackle is getting OH's co accounts for the year ready for the accountant
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 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) £36.39/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 (#15) £1429.16/£18694.38 Decluttered 273/2018 items
    • mothernerd
    • By mothernerd 10th Feb 18, 10:35 AM
    • 2,280 Posts
    • 23,596 Thanks
    mothernerd
    Day 10 Inspiration
    You don't have to attend every argument you are invited to. (Keep that in mind over half term).

    Life Lessons From Baby Sea Turtles
    Life begins on the beach
    Sometimes you have to dig yourself out of a hole you didn't dig
    Keep the faith you'll make it
    Never forget where you came from
    Life is better with a good friend

    Symbolic meanings of turtles
    Creation Wisdom Longevity

    If he doesn't appreciate your fruit puns, you need to let that mango



    Apologies for the delay. My password had expired and needed changing, but I needed the old one to start with. It's a gobbledegook one so I had to find the little notebook that it was in. Will be back later with an update and some comments on your posts (I'm too sleepy to be hypercritical so don't worry).
    Last edited by mothernerd; 10-02-2018 at 10:44 AM.
    This year I will be fierce
    NST Feb #1 SFD 12/18 Food £99.89/£120 Travel £7.50/£20 DIY £0/£30 Ent £2.05/£20 (+ £20 membership fee)
    No Debt No mortgage
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