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Taking it slowly, but doing it well.

edited 30 November -1 at 1:00AM in Mortgage-Free Wannabe
1.1K replies 105.8K views
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  • ladymayladymay Forumite
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    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
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    Today is/has been a nsd, which is a good job really because yesterday wasn't.
    Hubby booked theatre tickets for Pickle and I. But we had lots of extras. I've also in a very un mse way managed to lose my raincoat so that had to be replaced. Fortunately I found a lighting weight one for £30, so not a disaster. I also purchased a small vacuum cleaner for the loft office. The shredder shreds will be banished!

    It has obviously all meant a hammering on the budget. But all out of revenue, so no impact on long term financials at the moment. 3 weeks of the month left and, for once it's the grocery budget that's holding its own. Fuel spends are going to be high this month, but I'll claim it all back. I NEED (remind me of this!) to start putting my travel expenses towards a new car, not towards my usual mop pot or moving fees. I will probably have to replace my car in the next 1-2 years. We shall see.

    Pickle is very tired despite doing very little.
    Need to sort washing tonight. Tomorrow is another day. Hubby may or may not be around - I cannot work out his schedule at the moment. I do know that I do need to pack tomorrow though for another night away.

    Happy weekend everyone.
    Wish

    Mse June Goals

    Mop pot: £283.19
    1) interest added £53.93/£53.93 :j
    2) nice round number £29.26/£29.26 :j
    3) £400 capital reduction £62.63/£100
    4) £500 capital reduction £100

    NSDs
    4/15

    NTDs
    2


    You need to start putting travel expenses away for a new car!! :D


    You seem to be on top of things as ever! Can I ask what a NTD is?
    2019 Aim: Save £10,000
    Don't sacrifice what you want most for what you want now
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    ladymay wrote: »
    You need to start putting travel expenses away for a new car!! :D


    You seem to be on top of things as ever! Can I ask what a NTD is?


    Hey ladymay - thanks for the reminder. I need the resolve at the end of the month when they are paid though....

    Ntd is a 'no treat day' I'm trying (and failing) to treat my overweightness as a debt and apply priniciples to reducing the debt I owe to my body. It is not going well because it is not as much fun as being frugal.... urgh!

    Thanks for stopping by.

    Wish.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
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    1,000 Posts Second Anniversary
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    Evening all, not a nsd because I needed to do a supermarket shop for the men & boys of the house as I'm working away again this week. Budget pots are looking horrendous already this month. And there is a looooong way to go. Need some Uber frugal weekends for the rest of the month.

    Snacks are sorted for my work journey and some meals etc will be on expenses, but I'm not going to pretend I won't spend anything. Will pick hubby's Father's Day pressie up from the nice services on the m5 on the way home on Tuesday.

    Urgh. Can it be the end of the month yet please?
    Wish

    Mse June Goals

    Mop pot: £283.19
    1) interest added £53.93/£53.93 :j
    2) nice round number £29.26/£29.26 :j
    3) £400 capital reduction £64.18/100
    4) £500 capital reduction £100

    NSDs
    4/15

    NTDs
    3
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • ladymayladymay Forumite
    1.1K posts
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    ✭✭✭
    Hey ladymay - thanks for the reminder. I need the resolve at the end of the month when they are paid though....

    Ntd is a 'no treat day' I'm trying (and failing) to treat my overweightness as a debt and apply priniciples to reducing the debt I owe to my body. It is not going well because it is not as much fun as being frugal.... urgh!

    Thanks for stopping by.

    Wish.


    Ah, gotcha. Thought it might have been that but I wasn't sure... The treating weight as debt is a book-worthy idea!
    2019 Aim: Save £10,000
    Don't sacrifice what you want most for what you want now
  • redofromstartredofromstart Forumite
    2.8K posts
    1,000 Posts Third Anniversary Photogenic Name Dropper
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    Will pick hubby's Father's Day pressie up from the nice services on the m5 on the way home on Tuesday. 3


    I like those services too, especially the cheeses. All of the cheese :)
  • zcrat41zcrat41 Forumite
    1.6K posts
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
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    I love the idea of a no treat day!! Great way of putting it.
  • KarmacatKarmacat Forumite
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    NTD and overweight as a debt are great concepts, Wish! Just thinking though, we all need treats - can you find any healthy ones? I keep remembering what Opran said once during some interview, about tastiness - its herbs and spices as well as oils and sugar (she didn't quite say that, but nearly :) ).

    Hope you can catch up on your sleep soon, that can help *everything*.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
    2.5K posts
    1,000 Posts Second Anniversary
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    ladymay wrote: »
    Ah, gotcha. Thought it might have been that but I wasn't sure... The treating weight as debt is a book-worthy idea!

    Hmmmm not sure about that! It's currently not working very well.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
    2.5K posts
    1,000 Posts Second Anniversary
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    Thank you everyone for dropping in and commenting, lovely to 'see' you all.
    I like those services too, especially the cheeses. All of the cheese :)

    Yup. All the cheese, and the beer/spirits and the.... such a lovely place.
    zcrat41 wrote: »
    I love the idea of a no treat day!! Great way of putting it.

    I just wish it was working a bit better.
    Karmacat wrote: »
    NTD and overweight as a debt are great concepts, Wish! Just thinking though, we all need treats - can you find any healthy ones? I keep remembering what Opran said once during some interview, about tastiness - its herbs and spices as well as oils and sugar (she didn't quite say that, but nearly :) ).

    Hope you can catch up on your sleep soon, that can help *everything*.

    I agree about having treats occasionally, but I have them faaar too often and far too much, so it's not healthy. I am becoming more aware though, so that's a positive.
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
  • wishingthemortgaheawaywishingthemortgaheaway Forumite
    2.5K posts
    1,000 Posts Second Anniversary
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    Morning all,

    I'm in the rainy south west - amber warnings for rain/flooding issues around here so I'll need to be careful driving home later.

    Low spend day yesterday, not a ntd - but I did only have a 'snack size' chocolate bar as I was driving down, so not actually that bad at all.

    The fireplace fitter has come back with a very reasonable quote, just need hubby to agree and it could be done this week. Eeeeek. Then I can get the rest of the work booked in.

    Still, can't do anything about it at the moment. Got to work and then a loooong drive back up north...

    Wish.

    Mse June Goals

    Mop pot: £283.19
    1) interest added £53.93/£53.93 :j
    2) nice round number £29.26/£29.26 :j
    3) £400 capital reduction £64.48/£100
    4) £500 capital reduction £100

    NSDs
    4/15

    NTDs
    3
    Outstanding mortgage: £23,181 (December 19)
    MFW 2020 Challenge Member #10 0/£2318
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