We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

NST July - Own your choices

Options
1121315171854

Comments

  • lilian1977
    lilian1977 Posts: 5,157 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Am I too late to join?
    My debt free diary | Post Office loan: £2131 1429.38 | Barclaycard: £4429 1988.12 | Paypal Credit £322.71 574.91 | Monzo Flex £169.03 |

    Total £4151.44 | £2900.30 of £7051.74 paid off since diary started October 2024.
  • Florence_J
    Florence_J Posts: 1,942 Forumite
    Fifth Anniversary 1,000 Posts Combo Breaker
    lilian1977 wrote: »
    Am I too late to join?

    I know I'm not running this thread, but I think I speak for everyone when I say 'WELCOME ABOARD THE HMS TURTLES"
    Debt Free Stage 1 - Completed 27/08/2020
    Debt Free Stage 2 - Completed 50/181 Payments
  • Florence_J
    Florence_J Posts: 1,942 Forumite
    Fifth Anniversary 1,000 Posts Combo Breaker
    By the way Turtles, I would like to change my NSD challenge from 10.....to 16!

    I know you're thinking, 'she's crazy, we're five days in and she hasn't even had one NSD yet' but I once read a study that said when you aim for a small goal, eg lose 5 pounds, you're more likely to fail then if you set a big challenge, like lose 50 pounds. The reasoning behind this is you make much bigger steps to achieve things if it's a big goal, than a small one.

    And I had been feeling like this. I had been feeling 'so what if i haven't had a NSD yet, I still have 26 more days to go' meaning I was less likely to push myself.

    I'm going for Big and Bold. 16 NSD, here we come.
    Debt Free Stage 1 - Completed 27/08/2020
    Debt Free Stage 2 - Completed 50/181 Payments
  • thriftylass
    thriftylass Posts: 4,033 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Florence_J wrote: »
    By the way Turtles, I would like to change my NSD challenge from 10.....to 16!

    I know you're thinking, 'she's crazy, we're five days in and she hasn't even had one NSD yet' but I once read a study that said when you aim for a small goal, eg lose 5 pounds, you're more likely to fail then if you set a big challenge, like lose 50 pounds. The reasoning behind this is you make much bigger steps to achieve things if it's a big goal, than a small one.

    And I had been feeling like this. I had been feeling 'so what if i haven't had a NSD yet, I still have 26 more days to go' meaning I was less likely to push myself.

    I'm going for Big and Bold. 16 NSD, here we come.

    If you read back through the thread when it first started in (2012 link here) we had regularly been given the goal of 20 or even more SFDs by Ninjasavingkat and we achieved it sometimes. I would like to get back to that. I totally think you can achieve 16 if you want to.
    DEBT 02/25: total £6100 Debt free date 12/25
  • Florence_J
    Florence_J Posts: 1,942 Forumite
    Fifth Anniversary 1,000 Posts Combo Breaker
    That's true ThriftyLass, I read the June NST thread and 20 was set then, and it was only a 30 day month! And lots of people achieved some high scores then.

    So yes, I will really have to Watch my spending.

    Ok, i'm declaring it now, my Thursday expenses for Football club (£4 a session and £3.80 for the train) have already been budgeted for this month as a bill, so although I'll be spending on Thursdays, it won't count in theory.
    Debt Free Stage 1 - Completed 27/08/2020
    Debt Free Stage 2 - Completed 50/181 Payments
  • lilian1977
    lilian1977 Posts: 5,157 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Florence_J wrote: »
    I know I'm not running this thread, but I think I speak for everyone when I say 'WELCOME ABOARD THE HMS TURTLES"

    Thank you! I have had 2 NSDs this month so far, so if I am allowed to join I will go for 20 NSDs please!

    I am on a fiscal fast at the moment so am doing ok I think - I don't anticipate spending any money until Friday this week so should hopefully reach my target!
    My debt free diary | Post Office loan: £2131 1429.38 | Barclaycard: £4429 1988.12 | Paypal Credit £322.71 574.91 | Monzo Flex £169.03 |

    Total £4151.44 | £2900.30 of £7051.74 paid off since diary started October 2024.
  • thriftylass
    thriftylass Posts: 4,033 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Just saved my slow cooker from the skip for £1.75. The porcelain/stone ware inset was cracked and leaked but I just found out you can buy liners for them. We will get FIL's one soon too but it's only 3.5l whereas ours is 6.5l. Well chuffed.
    DEBT 02/25: total £6100 Debt free date 12/25
  • doingitanyway
    doingitanyway Posts: 9,930 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    NSD number 3

    A WFH day

    washing done and drying on line
    washing-up x1
    chicken stock made
    soup made
    red Thai veggie curry made
    ironing done and packed away

    Calling14 The chef Elizabeth David said an omelette it was the prefect meal and I agree. I must have them for my supper more often

    TIP
    I buy expensive organic chicken carcasses. From these I get delicious stock for soup or use them to enrich curries. I freeze the chicken livers and use with bacon and add to pasta with sage and garlic. I get about 250grams of meat off them, enough for a couple of lunch wraps.

    I must admit to being tired today, so no exercise at all

    I was kind to someone I avoid sometimes. Today I suggested coffee after an event we are both due at. I do like her but find her draining sometimes

    The bigger picture visualisation thingy? I completed an application for a voluntary role I can see myself doing in the future.

    I decluttered a volunteer role I’ve been doing for over 10 years. I’ve started feeling dread before I’m due to go. It was great, but time to let it go and do something else that gives me a little more joy.

    Florence I like your tip about talking. You are so wise

    Catwoman15 Love the tip re muslin cloths (which I have) and almond oil (which I will buy)

    I hope my fellow turtles had a positive day
    DIA
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • apple_muncher
    apple_muncher Posts: 15,235 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    A food shopping day with dd in tow and we only bought food - result!
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Florence_J wrote: »
    I know I'm not running this thread, but I think I speak for everyone when I say 'WELCOME ABOARD THE HMS TURTLES"

    Couldnt have put it better myself:T
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.