NST December: Debt Destruction December

apple_muncher

Today Iam grateful for a quiet day, for a friend + her dd dropping by to swap presents and stay for a drink/play, for dd's Monopoly skills improving, for getting my bunny slope 13 done, for dh saving the juices from the ham cooking so I could use it for soup, for church tomorrow meaning that we will get properly out and about, for neighbours trusting us with their keys (thinking of you here, f0xh0les!), for having all you turtles here as a support , for needing nothing.

greent

NSDs 9 - achieved one today. We were out over lunchtime and Husband was looking for a Gregg5 or similar but I persuaded him to wait - and phoned DD who got some stuff ready for us that we had straight as we got in (growling stomachs by then!) ETA - back to 8 - hubby popped out last night.....
Lunches taken/ prepped at home - yep - as above. Did 'buy' whilst we were out - but picked up a couple of freebies and used a voucher (reward one) for another thing

Debt destruction: Aiming for DFD (exc BTL mtge) of 10/18. Have joined the 'pay off all your debts by Xmas 2018' challenge to hopefully gain inspiration and keep motivation
Exterminate Facebook gone from phone. Will keep it off. Regenerate - will re-start cleaner eating - starting with dropping sugary snacks in between meals
Clear up, clean up and take control. Clear space by removing 31 items - 77/31- Clean up your way of talking to yourself. Let yourself sparkle. Take control of your finances, your time, your habits, and your health. -
Explore your local area - failing at this.
Mental health.. Do something every day this month that makes you feel good: Write down 4 gratitudes each day.
* seeing good friends last night for several hours
* only drinking copious cups of tea last night, so even though it was well into today by the time we got to bed no bad head today!
* seeing sis/ her OH/ baby nephew today
* having all the present swapping/ card delivering done
* fruit cake
* DD making lunch for us
* DS3 wanting to go and see his baby cousin
* Fr0zen being on the tv (we have it on DVD, but still sat and watched it this afternoon) and DS2 (12 next month) sitting and watching it all again
Budget EVERYTHING
Food 437.21/450 - getting close to the limit here!!
Social 26/£120
Gifts 110.07/£125
Fuel 50/65
Make extra money 60.66:j:j (+ 6 extra hours at work) - (and kids have made over £150 (net) from selling toys!!:T:T)
Evaluate (Done) Now to 2018: (targets set)
Remember to do - DONE (foodbank/ save the children/ hamper scamper appeal/ shelter/ homeless collection/ bag of various to CS)

apple_muncher

Did some exploring tonight - went for a 20 min walk with dd to look at the cmas lights on local houses.

Kerry_Woman

f0xh0les -Wishing your DS4 a Happy Birthday.
mothernerd - Thank you for your thoughts and ideas. Will look into doing them when I get back to the flat.
NSD - 8/15
Did a little bit of decluttering. Put out the rubbish and recycling.
Grateful for:
Brother in law picking me up to take me to family for Christmas.
Sister cooking me dinner.
Spending time with family.
Having a chilled out evening.

laurenh1

foxh0les great idea moving your wage into savings til 1st Jan. Hub doesn't get his early but I do.

Xx

laurenh1

Hi all,

Today is NSD #12. I won't spend tomorrow so that makes 13.

My MIL gave me some cash yday for Xmas which I saved, really happy Ive managed to save so much. However hub wants to take the kids to Paris next year and I have something coming up which might well mean I need to use my savings so the more money I can save the better:)

Lots of Christmas prep today so this might well be my last post pre Xmas so I'd like to wish you all an amazing Christmas xxxx

Toni'sfriend

Christmas Eve. I love it. So full of anticipation and excited wee ones.
The boy and I are visiting my sister in law with gifts for her and her family. She's not been very well (lingering chest infection) and, as this her first Christmas without my brother, I think it will be a difficult time for her. She has a lovely family and I'm sure they'll see her through it.
Other than that I'm doing absolutely nothing and looking forward to it.

Dottydaisy

Happy Christmas to all my fellow turtles.


I'm still bumbling along keeping most of my budgets in line. NSD's are 12.


One of my molar teeth has disintegrated so that will probably mean a large bill in January. Haven't got any pain because it is mostly filling!


Have bought two diaries for next year. Why? you may ask. Well in order to keep track of all things appointment and budget wise, one is week to a page spread and the other is page a day. I've divided page a day into columns and squares to represent meal planning, extra shopping for meal plan, what the cash I take out has bought and forward planning. Page spread for a week has my must do this week, and also this month, appointments, birthdays, and a column for expenses.


I hope this will help keep mee on track in 2018. More later.

f0xh0les

Still on NSD8

Last minute remembered nice things from the Son of Morris' shop - so the kids can have flavoured hot milk and mice pies between meals. They suddenly seem permanently ravenous. I predict a growing spurt. It has been a while since they seemed to grow 4 inches each overnight. At least the post christmas sales will be on.

Happy Christmas Eve to all!

I love this challenge, it has helped keep me sane when no-one else understands.
This madly consumerist throwaway trend has to stop sometime surely?

DancingDragons

It's been manic so I haven't had a moment to update. We've made pies for Santa, fudge for Grandad, and Peppermint Cremes for Grandma.
I'm ignoring the mountain of potatoes I need to peel for a bit I hope you are all having a cosy day.
DDs are so excited, youngest wants to hit the Crib Service at the local church in a bit.

Two more NSD achieved, tempted though I am I think this is the first Eve I haven't hit the shops. I'll update the signature in a bit, DD1 wants to hit the sales but I don't plan on spending my money other than that which I've already set aside.

All the best to you