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  • FIRST POST
    • mothernerd
    • By mothernerd 29th Jan 18, 8:24 PM
    • 2,281Posts
    • 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 £113.89/£120 Travel £7.50/£20 DIY £0/£30 Ent £4.05/£20 (+ £20 membership fee)
    No Debt No mortgage
Page 8
    • laurenh1
    • By laurenh1 6th Feb 18, 12:25 PM
    • 369 Posts
    • 3,685 Thanks
    laurenh1
    Afternoon Turtles-.

    today is NSD #5. tomorrow will almost certainly be a spend day as I am going to run out of milk & fruit.

    I am currently chowing down on rabbit food we can put a man on the moon but haven't yet worked out how to make chocolate and pastry that is good for me. seems I have been taking on far too many calories, surprised how it all adds up.

    budgets all still the same but tomorrow I am going to spend the extra from my emergency fund (1060) on a boat hire for when we go c parcs in Aug (29£) I wanted to book horse riding again but its 18 for 15 mins per child & I really don't know if I want to pay that so I am thinking about it.

    Im not sure I have much else to report have a good day all xxx
    • DancingDragons
    • By DancingDragons 6th Feb 18, 5:46 PM
    • 88 Posts
    • 1,013 Thanks
    DancingDragons
    Reporting in, lost today as I'd planned on NSD but needed to bag the train tickets before prices and cheap seats all sold out.
    MSE TIP FOR YOU!

    If you want train tickets - go to the station and book with the very helpful staff. (Not the grumpy ones)
    My hunt for train tickets has been a bit of an ongoing saga, keeping an eye on prices waiting for the tix to be available. This week, now able to book I checked the Spotty hankies and the Lines, and even the Network 'direct'. OMG bait and switches everywhere. Yes you can have £50 tickets...actually once you click to buy I'm bounced from the trains selected, or the price quadruples!
    Two single tix sorted for £50 all in, at the times I wanted on the trains I wanted Offered online at £95 each - and then switched when I went to pay!
    Even with the extra precaution of 5.00 travel insurance I am still saving!

    Exercise 4 mile walk - with shopping in tow. I bought what would have been needed tomorrow so I can reclaim - all being well.

    Reading: Later.
    2018 Feb NST Forest Adventurer #15 | NSD 10/18 |
    I can do this! Debt: 11,989.29 11,689.29 goal DFD June 2020
    -34lb to 2019. Lost 7lb

    • abundant1972
    • By abundant1972 6th Feb 18, 6:45 PM
    • 1,208 Posts
    • 8,995 Thanks
    abundant1972
    Evening everyone!

    Yesterday = NSD number 1
    Today = NSD number 2

    Finally after weeks of procrastinating, I made it into the gym on Sunday and felt so much better for it. Walked to work yesterday and today (about 10-15min each way) as well as quite a bit of activity during the day. Mindfulness has been sporadic but that's ok. Managing to drink more water too.

    Late night call from mother when I was just dozing off to sleep set me back on the whole day. She has no concept of time anymore - or that I have to get up early for work. When I explained that she just said 'oh right' then proceeded to start telling me all about her day. This was at 23:15. Not amused lol. The only way around it is to switch my phone off but then I worry what if something went wrong. I think I may look into getting her a Piper alarm, as long as she remembers it is only for emergencies (which she probably won't lol). Sigh.

    Anyway. Had a good day despite feeling tired. Going to have an early night tonight and relax.

    Keep up the good work everyone! x
    Ask do I 'want' or 'need' this before I spend
    Follow your heart & be true to yourself always
    Help To Buy ISA = £5683.65. EF = £2275/£4500
    NST : NSD=6/18 : Food=£MAXED/£100 : Spends=£32.00/£100
    Exercise : 10 - 30 minutes daily
    • DawnW
    • By DawnW 6th Feb 18, 7:16 PM
    • 4,826 Posts
    • 37,792 Thanks
    DawnW
    Evening all
    Well, after all that I missed out on my planned NSD by 79p I did my small shop, and asked to pay with vouchers. The vouchers are worth £1 each but you can't get change... and there was an odd 79p. So I had the dilemma of either NSD, or losing 21p Was I going to lose 21p? I don't think so

    So NSDs remain at 3 atm, but I have high hopes for tomorrow
    NSDs for February 8 / 18
    Decluttering 30 / 28

    • f0xh0les
    • By f0xh0les 6th Feb 18, 7:32 PM
    • 1,274 Posts
    • 10,120 Thanks
    f0xh0les
    NSD 4 today.

    Supper was using up all the bits and bobs from the fridge - one sausage on a filo base pizza, pesto pasta, chilli and ys wraps, it was very mix and match but everyone was fed, and I am now two days ahead of my meal plan.

    Went in to town to buy a whisk, remembered I had seen one in the c/s near my house, so went back to the car and someone had dropped a £5 note in front of it. So a NSD and a free fiver (I did check for traps, but there were no pits or cages to drop on me).

    All within budget, all food from stores, no snakes, no stick insects, no polar bears but I did have snow.

    Keep warm tonight turtles, it looks like being a tad chill.
    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
    • Kerry Woman
    • By Kerry Woman 6th Feb 18, 8:31 PM
    • 2,189 Posts
    • 21,110 Thanks
    Kerry Woman
    NSD achieved 4/18
    Did walking.
    Used food already in and also brought lunch into work.
    Grateful for:
    A good night sleep.
    Being able to do a little bit of housework after I returned from work.
    Tiny bit of decluttering.
    Finished reading a book and starting another book.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST February A FOREST ADVENTURE NSD 16/18
    • misstara
    • By misstara 6th Feb 18, 10:04 PM
    • 2,588 Posts
    • 18,232 Thanks
    misstara
    Another NSD today so 4/18 . Also went to the gym after work which I really enjoyed. Need to start doing that more often.
    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.
    • sashanut
    • By sashanut 6th Feb 18, 11:36 PM
    • 2,695 Posts
    • 25,076 Thanks
    sashanut
    No 10 checking in
    Hi all

    Didn't get on here yesterday to post, did read along but had to answer email from relative, then had to get up this morning to get DD off to airport...at silly o'clock, ugh. Then couldn't sleep as I knew she only had 30 mins from arrival to gate closing....she made it despite going to wrong gate initially, then running through duty free with folk cheering her on.....safely arrived now at her destination..

    Always : Will try to make sure I can make/save some money this month instead of always spending up to the max..Spent on food yesterday & today - but much smaller more considered spends. And drew out the money in cash - much more reluctant to spend that!!

    First : Agree

    Organise : Drew out cash for food this week, fridge inventory still going strong & very surprised what I have been able to concoct with what was/is still in there.


    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 : Snow today & CS work so only a quick gallop round the garden, very cold but snow not sticking.

    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.


    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: Will give this one some thought.

    Valentine Who? : Card only for DH, already have. May have nicer meal but no gifts are exchanged..

    Exercise 5 times a week please: Could well be gardening or clearing, cleaning etc but will aim to be active. In the garden today


    NSDs are staying at 18 this month: Still 1/18, hopeful of one tomorrow..

    Throw it away: Big push on this, much clearing needs to be done but refuse to toss useful stuff, will freecycle or CS - but preferably sell! Took bag of stuff, books & bag of newspapers to CS with me. Saw a FB post for a bag that have - which someone was ISO & willing to pay £xxx for, I used once for wedding 3 years ago. Made contact, sent a few photos showing perfect item, then received message saying would I take less...when she fixed the price!! Have not bothered to reply..


    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. DH busy transferring old VHS, DVDs & other tapes onto disc that lasts for xxx years, as they had - and will continue to - deteriorate badly until this is done. This has fixed them, really weird seeing ourselves such a long time ago with baby DD

    Refuel properly: Will do this, already am taking some steps to improve health & sleep patterns. Taking supplements now & bedtime tea, seems to be working. Not so good this week but on it as from tomorrow..


    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. 2 frog phone calls needed tomorrow, at the very least.

    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 7th Feb 18, 12:52 AM
    • 2,281 Posts
    • 23,596 Thanks
    mothernerd
    Day 7 Inspiration
    ignore your negative thoughts
    no one likes to be ignored, so they will get sad and leave

    Instant mood boosts
    Favourite music
    Ice cream
    Good memories
    Cute cats

    Live the moment. Leave the phone.
    This year I will be fierce
    NST Feb #1 SFD 12/18 Food £113.89/£120 Travel £7.50/£20 DIY £0/£30 Ent £4.05/£20 (+ £20 membership fee)
    No Debt No mortgage
    • mothernerd
    • By mothernerd 7th Feb 18, 1:24 AM
    • 2,281 Posts
    • 23,596 Thanks
    mothernerd
    Yesterday I went to sleep at 2am and woke just before 8am. This is a great improvement and I am hoping to do something similar tonight (this [Weds] morning?).

    Did half an hour of activity (grabbing rubbish/ stuff for the kitchen/ recycling; put stuff down the toilet/ swished the sink; put up an over the door hook and used empty hangers from my wardobe to hang up some of their clothes - now behind the bathroom door rather than in boxes/ on the floor on the landing).

    Made breakfast beef and spinach wraps w mayo and mustard, most of which needed using up. Frog number 2 eaten as I found my pills - one pack has been missing since Saturday (old one finished Friday evening). I was sure I had some (checked before visiting the doctor last week) and knew I had put them 'somewhere safe' but have not found them in rather frantic searching. This morning they were in plain sight but would have been hidden under the 6 'trays' I have been sorting (3 paperwork, 3 embroidery) until late last night.

    Decided to have a bath as it was no more trouble than washing and makes me feel better, did a little necessary pampering and got dressed (many layers and the panda hat). Went back to the front room twice just to look at how tidy it was.

    Took a book back to the library and left a pile of embroidery fabric with a note for the sewing group that meets there (I am having problems using dark fabrics and evenweave and wanted them to go to people who would appreciate them) before meeting mum at her dentist's just before 11am.

    When mum went in for her appointment, I went to Icyland. and sent shopping back home vis their delivery service. Spent more than expected, but have stocked up with items only they have and added a few bits in case the snow decided to settle.

    After mum's appointment, we went back to Icyland to get her shopping. She sat on her walker whilst I emptied the trolley, packed up, paid, phoned for the taxi and put all the bags of shopping by the kerb.

    Interesting conversation on the way to mum's. Unpacked everything and fed us both. Relaxing afternoon (ordered more things she needed by phone). I read my book whilst mum slept. Put the bin out. Made tea.

    Stayed later than expected - snow finally stopped mid afternoon or would have come home much earlier (mum had said it was okay). Have errands to do and letters to post for her tomorrow. Put my bin out. Very tired, but happy.

    Today I am grateful for the nicest (cutest) 'please wash your hands' sign I have ever seen (at mum's dentist), for the joy of the little girl who noticed we had matching panda hats and for conversation with the taxi driver - I had asked when the Munich disaster (Busby Babes air crash) anniversary was (knew it was about now) and the taxi driver said they had been talking about it on the radio (60th anniversary today). We then carried on chatting about that, Hillsborough and scattering Ashes (most ferries seem to have a designated journey each day where they stop half way to accommodate last wishes).
    This year I will be fierce
    NST Feb #1 SFD 12/18 Food £113.89/£120 Travel £7.50/£20 DIY £0/£30 Ent £4.05/£20 (+ £20 membership fee)
    No Debt No mortgage
    • laurenh1
    • By laurenh1 7th Feb 18, 9:05 AM
    • 369 Posts
    • 3,685 Thanks
    laurenh1
    Morning lovely turtles

    Today is a spend day. so I am still on #5 hoping to make it to 8 by the end of the week.

    I have just booked a couple of activities for C parcs in Aug and then I am off to Aldi tonight. Also going to have to buy my lunch as silly me forgot to pick it up in my rush to get out the door this morning. a bit cross with myself about it but it is done now.

    Picking up pizza toppings and yeast tonight when I go to Aldi tonight so me and my eldest can make pizzas on Friday for our tea. I think he will enjoy making them!

    Almost finished my book! & I am really enjoying it- really looking forward to starting the next one in the pile of books I have never got round to reading.

    I will update budgets tonight as it seems a little silly to do it pre-shop,

    xx
    • greent
    • By greent 7th Feb 18, 9:47 AM
    • 6,688 Posts
    • 68,835 Thanks
    greent
    Day 6........
    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

    First of February until the 28th, inclusive.
    Organise your budgets before the start of the month and stick to them.
    * Food 95.98/450 - more little bits from Tesc0 - slight cooker issue... - grr
    * Diesel (me) - 0/65
    * Toiletries - 0/10
    * Clothing - 0/100 (DS1 desperately in need of new jeans)
    * 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/ cake morning mid month. Also £1 in aid of charity for non-school uniform last week (and will have another this week)

    Environment Be aware of your surroundings and use all your senses. Be alert to danger but also to beauty. -
    [/COLOR]
    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 using some things up but - due to 2 errors by cooker co - have had to buy more ready meal type food as no cooking facilities other than 1 small gas ring on small camping stove (we have bigger stoves and a cooker in the caravan in the garden - but OH ran out the gas and seems to think it's ok and we're coping (yeah - 'cos I'm juggling the meals and cooking... not him - and he gets to escape to a hotel with work! Argh!))

    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. 14k steps achieved yesterday - was very busy day and I was shattered as a result and went to bed at 9.40!

    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. 1/18 - not one today. Small Tesc0 shop for more easy food - incorrect oven delivered at weekend and correct one not coming until March. Bought more easy food before the temporary solution of a loan of a small oven later this week (company's error, not ours)
    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 - 8/150

    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 Got a small job done for free by a workman as they were here doing something else - sort of counts!
    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


    Today (yesterday) I am thankful for feeling SO much better, for the tile shop not being far away (2 trips there yesterday!), for a fab kitchen fitter and a friendly plumber

    Will report backc tonight with today - have DS2 off school with upset stomach (last night was bad) - seems ok (if washed out) this morning, but didn't want to risk sending him on a 45 minute bus journey.......
    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
    • f0xh0les
    • By f0xh0les 7th Feb 18, 10:45 AM
    • 1,274 Posts
    • 10,120 Thanks
    f0xh0les
    I have one off school today as well GreenT, so it will be an enforced NSD.

    Nasty cough and sore throat so he has not eaten since breakfast time yesterday, could not send him to school if he had not eaten in 24 hours. He is in a hot bath right now. Hot drinks will follow when he finally gets out.

    So I will claim my NSD 5 now.

    No after school clubs either, so veg stew and dumplings for tea (stuff them full of veg) and will make pasties for their lunchboxes. Might knock up a few scones as well.

    It is freezing here in the (L) Shire today but bright and sunny.
    Two and a half more days until Half Term.
    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
    • Calling14
    • By Calling14 7th Feb 18, 11:35 AM
    • 2,625 Posts
    • 19,231 Thanks
    Calling14
    Hi turtles

    Feeling a lot happier than I have over weekend, so weepy not sure why dodgy tooth didn't help. Made me feel rotten, have the best dentist looks like new now.

    Tooth fixed and combined with early 6 mthly check £44 - claim already on the way to medicash so not counting it as spends for the moment. Hopefully get 100% back.

    Did food shop £18.81 lidls and £3 boots needed cleanser etc, glad I swapped to their own make so much cheaper than Simple and my skin feels ace today.


    Diet - well can't be good at everything.

    Exercise - yesterday fail. Was going to walk along the prom but after just coming out of the dentist I didn't fancy my mouth getting a cold wind in it. - showing my age

    Will try to work on exercise and diet today.


    NSD - 6 including today
    Food £18.81/£80
    Petrol 0/40
    ME upkeep(hair/make up)- 3/10
    Clothing 0/20
    Social - 0/50
    Money gained surveys/extra income this month - £19.81
    Credit card payments this mth - £66.00
    New Blinds to pay for £24/£224
    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

    • ilovetea
    • By ilovetea 7th Feb 18, 4:46 PM
    • 854 Posts
    • 6,608 Thanks
    ilovetea
    Quick update. 5NSD so far.
    Yesterday was a Tesco delivery day.Spent rather a lot
    Should last a while,just need bread at the weekend.
    Managed to use a lot of odds and ends up out of the fridge/freezer
    Still getting rid of stuff in various directions.
    That's about it really.Nothing exciting to report.

    Hope everyone is keeping warm and safe.

    ilovetea xx
    #10 Make £2018 in 2018. £221.27.
    • apple muncher
    • By apple muncher 7th Feb 18, 7:27 PM
    • 6,947 Posts
    • 52,054 Thanks
    apple muncher
    Today I am grateful for my alarm clock getting us awake, for catching early buses, for dd still going to school despite a rotten cold, for a good eye appointment (though I still need new specs, so will have to find about £300, ouch), for dh coming to meet me off the bus home, for shepherd's pie for tea, for a great lesson with my y11s, for chatty time with dd.
    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
    • Kerry Woman
    • By Kerry Woman 7th Feb 18, 9:07 PM
    • 2,189 Posts
    • 21,110 Thanks
    Kerry Woman
    NSD achieved 5/18
    Walked as usual.
    Used food already in.
    Grateful for:
    A good night's sleep.
    Being accepted into the social club. Had intake interview tonight. Now means I can go to more events eg singers, tribute bands and more bingo which I like to attend. I was only allowed in 2 times a month as a visitor with my friend who works there.
    Making my lunch for tomorrow.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST February A FOREST ADVENTURE NSD 16/18
    • WelshKitty85
    • By WelshKitty85 7th Feb 18, 9:44 PM
    • 656 Posts
    • 5,898 Thanks
    WelshKitty85
    Quick check in to report 4 NSDs, exercise still going well, and water intake is better than it was before.
    Battling my final debt:
    Credit card - £4844.62(Dec 16) £3032.78
    • mothernerd
    • By mothernerd 7th Feb 18, 9:48 PM
    • 2,281 Posts
    • 23,596 Thanks
    mothernerd
    A flukey NSD. Got on the bus but the driver had no ticket roll so did not charge me - the majority of passengers have passes, either concessionary (have to wait until I am 66 for that too) or prepaid weekly/monthly or annual.

    Needed the bus as I am wobbly and dizzy today. Calling I think the emotional roller coaster is a leftover from the virus/ lurgy bug. I have a day when I feel fine, get lots done and am eager to carry on the next day, only to wake up feeling as able as a newborn kitten and keep dissolving into a puddle of jelly - will just keep plodding.

    A good day at crafts, making cards will one participant and setting up a 'frame' for weaving using a paper plate and some old gift bag handles. One girl got distressed so we spent half an hour talking, hugging and discussing various traumas.

    I am very tired (slept for quite a long while but only in fits and starts), hope the dizziness is only a side effect of restarting the 'missing' tablets. Need to go back to the doctor for my results and to sort out a pill drama for mum (delivery came, but one of the pills was missing and it is a fairly essential one - she only has enough left for one week). Will need to shop as there are no wash tablets left (been on the list for a couple of weeks but it's something else I can only buy in certain places).

    Today I am grateful for being able to pass the temptation of several pie shops and bakeries despite the lovely smell, for being able to walk home from crafts (had to sit down twice) and for being good in a crisis (everyone needs a hug) despite limited social skills in other areas.
    Last edited by mothernerd; 07-02-2018 at 9:51 PM.
    This year I will be fierce
    NST Feb #1 SFD 12/18 Food £113.89/£120 Travel £7.50/£20 DIY £0/£30 Ent £4.05/£20 (+ £20 membership fee)
    No Debt No mortgage
    • sashanut
    • By sashanut 7th Feb 18, 11:13 PM
    • 2,695 Posts
    • 25,076 Thanks
    sashanut
    No 10 checking in
    Hi all

    Rubbish sleep, not happy as I thought I was doing well. No reason for it that I can think of - at one point I realised I had been awake for nearly 24 hrs. Means I have no energy the next day, which I can't really afford...hopefully better tonight..
    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 : Still going on the fridge stuff, did get something out also from freezer. Could realistically keep going like this for some considerable time, so much so that I'm thinking not necessary to eat out at all tomorrow, just got to plan ahead. Will eat lunch before we go, & prep meal to come home to..

    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 : Thrilled that ground hard frozen so beasts not muddy at all, small mercies.

    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: Doing tomorrow..


    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: Started today with this one, cleared one surface in kitchen, so much better. Also changed feeding arrangements with dogs, first try tonight, worked well.

    Valentine Who? : Card only for DH, already have. May have nicer meal but no gifts are exchanged..

    Exercise 5 times a week please: Could well be gardening or clearing, cleaning etc but will aim to be active. Not much as so tired.


    NSDs are staying at 18 this month: Now 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.

    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. Using what we have, working on the principle we have most things, just not sure where they are..


    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 didn't do its job last night but am still sticking with it.

    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. Did 2 frog phone calls, another one needed tomorrow.

    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
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