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NST: January 2017

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  • Fmess
    Fmess Posts: 2,920 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Combo Breaker
    Today I am grateful for:-

    - an easy first day back at work :)
    - lose 1.5lbs this week at slimming world :)
    - the fact that my pets are always so happy to see me come home :)
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New roof and car £8557/£19003 New kitchen £396/£5039 Credit card Paid Student loan Paid
  • XSpender
    XSpender Posts: 3,811 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Quick update from yesterday which was a NSD as I am away with work and DH already had a tenner for last hits PT session so it didn't come out of the monthly budget so I'm not counting it ;).

    yesterday I was grateful for:

    1) discovering bullet journaling which is simplifying my life and giving me a creative outlet
    2) Lots of hot water at the hotel for a long,deep bath
    3) my automatic gearbox, I have always had manual before and it made the 5.5 hours driving I did yesterday so much less tiring
    Save £10,500 - £2673.77 - 25.5%
    Pay off £7000 - £1743 - 19.4%
    Make £2021 extra income - £99.75
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Yesterday was not a NSD day! Spends were:
    • I needed an Oyster card top up when arriving at Kings X tube;
    • Bought M&S voucher for friend's birthday;
    • £10 towards colleague's birthday present. We all contribute to everyone's birthday on our desk.
    • Had to buy face wipes in Boots as I had nearly run out and also some First Defence spray as my throat felt sore and I didn't want to end up as ill as I was in October!
    • Also had to get some fresh food supplies as I had been away. Though included in this I bought ryvitas, hummus, tomatoes and apples for lunch yesterday and to see me through till tomorrow so no splashing out on sandwiches!
    • Evening nail appointment!
    Yesterday I was grateful for:
    • Cheap first class ticket on train with free cooked breakfast due to advance booking and senior rail card discount!
    • Box of chocolate liqueurs from lovely boss awaiting me when I got to work! I'm sharing these out in work though!
    • Arriving home in the evening after being away. I love my breaks but it's wonderful to get back home!
    Today should be a NSD though!:j
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • dolly84
    dolly84 Posts: 5,851 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi all.

    NSD today but did a grocery shop yesterday.

    My aim this year is to really step up my efforts to reduce my impact on the planet and save money, I came across this and wanted to share it for anyone else interested in the same.
    Debt Free and now a saver, conscious consumer, low waste lifestyler


    Fashion on the Ration 28/66
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    dolly84 wrote: »
    Hi all.

    NSD today but did a grocery shop yesterday.

    My aim this year is to really step up my efforts to reduce my impact on the planet and save money, I came across this and wanted to share it for anyone else interested in the same.

    Interesting reading Dolly thanks for sharing.

    Points from me today.
    NSD 1/15
    Made another £50 payment thanks to a new booking
    Baked scones and fairy cakes
    Free activities for the day, baking & a lovely if cold trip to the park.

    Grateful for
    1. A busy period for the business. 7 enquiries in 2 days is a record.
    2. My children being healthy.
    3. Winter sunshine to get out into

    Bob
    " 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
  • Toni'sfriend
    Toni'sfriend Posts: 4,056 Forumite
    Eighth Anniversary 1,000 Posts
    Still walking but, unfortunately, still spending (but not too much).

    Today was bitterly cold so spent most of the time indoors (apart from walk in the park).

    Today I'm grateful for;

    Being warm
    Tippy Assam tea which I got for Christmas (it's lovely)
    The good book that I should finish tonight
    Have adventures. laugh a lot and always be kind.
  • apple_muncher
    apple_muncher Posts: 15,241 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Today I am grateful for a beautiful frost, for a good bus service so that I didn't have to bike in the frost and dark, for bliss balls (sooo satisfyingly yummy), for snaffled, free, leftover and ys ingredients ms=aking up our tea, for my warm trousers for work.
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • greent
    greent Posts: 10,777 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 5 January 2017 at 9:14PM
    NSD here. Stayed on late again at work, came home and developed a huge and sudden headache. Quick nap (45 mins or so) and I feel better - washed out, but not headache-y. All food from stores inc YS and now ood pate for my lunch! :D

    Plus points today:
    Claimed £10 Amaz0n voucher from pinec0ne, £1.50 Amaz0n from Quidc0 and £3.58 Amaz0n from tcb :D

    Today I am grateful for:
    * my OH defrosting my car for me this morning. It was still -4 when I left for work.
    * The children quietly amusing themselves whilst I napped to get rid of the headache
    * A warm house and fluffy slippers :)
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Evening all :coffee:
    Brrr - it's cold out there tonight. Another busy day at work, but felt more productive than yesterday did, and another nsd - taking me to 4 so far this month. I've had a close look at banking tonight and have decided I need to be extra frugal for the rest of the month so going to try and maximise my no spend days for the remainder of January.
    Today I am grateful for:
    My new heating controller meaning that the house was warming up once I got in from work.
    Keeping going with my list writing because it's making me much more productive.
    My big fluffy pjs and slippers
    Apple - what are Bliss Balls please?
  • abundant1972
    abundant1972 Posts: 1,754 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Evening!

    Today I am grateful for:
    I) Getting some much needed perspective yesterday
    ii) My job and the security it brings me
    iii) The lessons that life has given me, which have enabled me to grow.

    Hi all... Was doing well today but then treated myself out of my spends money this evening - so a spend day here. It is interesting noticing how my emotions are tied to my money - and how I can easily go from feeling safe and calm to frustrated and angry depending on how I have spent. I need to 'allow' myself spends. I was only thinking today driving home how guilty I feel for spending money on anything but food/bills/debt. This month I have allocated spending money and I still feel terribly guilty this evening. Does anyone else get this? How do you get over it?

    I'm ploughing through the food cupboard remains and have taken a packed lunch every day so far.

    I have a quiet evening planned and an early night I think. See you all tomorrow...
    ⭐ DEBT FREE : 18/02/2025 ⭐
    Follow your heart & be true to yourself always
    My life is full of abundance and prosperity
    NST April: Food/Spends = £240.00/£60.00 NSD = 7 /12
    Be kind - Eat well - Exercise - Be mindful
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