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NST: January 2017
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Subscribed:jSPC No 22
MBNA - £450
Tesco CC - £2000
Overdraft - £1100
Natwest Loan - £9546
Mortgage - £595460 -
Thanks misstara
Count me in please....
Be back later with my goals.0 -
Please count me in again for Jan, Currently working out Family Budgets and setting up this years Google Spreadsheets.:pDesperately Determined to Destroy the Debts one at a time.. and Seriously Save for the Spectacular future.:p0
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Usual rules:
The challenge runs from January 1st to January 31st.
Set a NSD target, aim for at least 15. - Aim is 15
Donate to a charity - will do this
Pay to your debt or savings first Pay day was yesterday - money has already been allocated for bills etc.
Post as often as you can Will try and do daily posts
January's rules:
Look at your usual food budget and aim to spend 10% less. Do a stock take of everything in your freezer/fridge/cupboards - I have a budget of £300 for month for food, toiletries and dog food. Will try and only spend £270 of that.
Post 3 things that you are grateful for each time you post
Post something that you would like to have achieved by the end of 2017 - think about how you will achieve this, break your goal down into small achievable steps. To have saved as much as possible for my wedding 5 November. I have a target of how much should go into the wedding fund each month
Organise some cheap (free if possible) things to do with family or friends. January is a long and usually boring month, it's nice to have things to look forward to Its my birthday month but we have some vouchers to use at TGI Fridays so I'm thinking birthday meal for free.
My plan all set out! Happy new year everyone.
I'm grateful for having someone who wants to spend the rest of their life with me, my home and the change for a fresh start.February Grocery Budget: £190.75/£350.00
NST no. NSD 4/150 -
Usual rules:
Set a NSD target, aim for at least 15. I'm aiming for 15
Donate to a charity Budget too tight to donate cash, instead will donate food and clothes to food banks/those in need and if my local food bank is doing a supermarket drive I will donate time to that
Pay to your debt or savings first Always
Post as often as you can Will try my best
January's rules:
Look at your usual food budget and aim to spend 10% less. Do a stock take of everything in your freezer/fridge/cupboards I love doing stock takes! Have ordered my food deliveries today, won't be aiming for a budget decrease but will (as always) aim to come in under budget
Post 3 things that you are grateful for each time you post Such a good idea
Post something that you would like to have achieved by the end of 2017 - think about how you will achieve this, break your goal down into small achievable steps. 2017 Goals-Pay 1500 off my debts this year, lose enough weight that I can fit into my beloved leopard print coat next winter
Organise some cheap (free if possible) things to do with family or friends.Planning on a post Christmas do with friends using up all the treats we got for ChristmasDebt Free Stage 1 - Completed 27/08/2020
Debt Free Stage 2 - Completed 50/181 Payments0 -
Usual rules:
The challenge runs from January 1st to January 31st.
Set a NSD target, aim for at least 15. Will try for 15
Donate to a charity SO set up and when in the supermarket I add a bag of own brand pasta to the food bank basket each time I go
Pay to your debt or savings first Always
Post as often as you can
January's rules:
Look at your usual food budget and aim to spend 10% less. Do a stock take of everything in your freezer/fridge/cupboards - I seem to have heaps of food left over from Christmas despite thinking that I hadn't bought that much! I too have lots of food in and will do full stock take once the kids back at school next week
Post 3 things that you are grateful for each time you post I like this idea
Post something that you would like to have achieved by the end of 2017 - think about how you will achieve this, break your goal down into small achievable steps. I want to lose weight this coming year, I will continue with the gym on days the kids are at school and aim to do at least 1 fast day a week
Organise some cheap (free if possible) things to do with family or friends. January is a long and usually boring month, it's nice to have things to look forward toI will make the most of the Nowtv free trial for Movies to enjoy with the kids on a weekend afternoon, will get out on their bikes when we can, will use clubcard vouchers we've converted to days out tokens to take the kids to the local (but very expensive) swimming play pool thing. Will play more board games we have with them also
Starting the way I mean to go on
3 things I'm grateful for
* My lovely husband being home for the holidays with us and looking at lot more chilled then normal
* Calling in at the right time at the co0p to pick up some great ys bargains this morning
* That my son is loving his first pair of glasses (i'm sure the novelty will wear off!)Sticking with the "Small things" thread to keep up us on the straight and narrow.
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Evening
Could I please join in? I'll have a think about my goals for the month and for 2017 and will be back tomorrow to post them if that ok?
32b3SPC9 #125 - £816.85
SPC10 #125 - £851.81
SPC 11 #7 - £968.46
SPC 12 #7 - £2682.90
SPC 13 #7 - £4829.85
SPC 17 #7 - £7313.630 -
Thanks Misstara - sign me up for January's Challenge! I'll post my goals 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 mindful0 -
Usual rules:
The challenge runs from January 1st to January 31st.
Set a NSD target, aim for at least 15.Going to aim for 17..
Donate to a charity-Local food bank via our church hall.
Pay to your debt or savings first- Will do.
Post as often as you can-Will post daily.
January's rules:
Look at your usual food budget and aim to spend 10% less. Do a stock take of everything in your freezer/fridge/cupboards - I seem to have heaps of food left over from Christmas despite thinking that I hadn't bought that much!- Joined Jans grocery challenge which is lower than I have done for months.
Post 3 things that you are grateful for each time you post- No flare up of my DH Fibromyalgia for a fair few weeks, he is a different person when well, Grabbed some overtime tonight in work and the lovely new years messages flying round off friends.
Post something that you would like to have achieved by the end of 2017 - think about how you will achieve this, break your goal down into small achievable steps. I have lost 105lb I have another 85lb to get to my target this is my year
Organise some cheap (free if possible) things to do with family or friends. January is a long and usually boring month, it's nice to have things to look forward to. Dog walking, walking with family in our fitbit challenges and my son asked to go out with his metal detector a few to keep us going.Aiming to spend less,want less and need less.0 -
Happy New Year everyone. I will post my goals once I get home.
Today I am grateful for my OH, for my wonderful 2 nieces and for a rwsful and relaxing new year break.0
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