NST December: Debt Destruction December

laurenh1

foxh0les I love the sea as well, it has always made me feel calm

Did my budgets & all as expected. I have 176 for the month. But I have put 30 aside for aldi tomorrow & 20 for a KFC on n yrs eve.rock & roll.

Will go & nosey at Jans thread now

mummylewis

Evening all,
Another 2 NSDs in the bag meaning I'm on a 5 day streak and 8 in total.
I know it's not the goal but I'm so pumped for January, it feels really good to be on a winning streak that I'm going to try beat it again in Jan.

Will have to spend tomorrow as we need milk/eggs etc. My parents are visiting in the afternoon so might get some scones in too.

Having casserole for tea tonight, was delighted to find all the ingredients I needed in the fridge. Most of it on the turn but definitely usable and I'm sure delicious. (I only chuck it when it's either floppy or mouldy, best before dates on fresh drives me crazy as a lot of stuff lasts well beyond that).

Grateful today for a 4pm finish, a good dinner, the glass of wine waiting for me after DDs bedtime and seeing The Greatest Showman.

greent

NSDs 9 - not one today - Sains shop
Lunches taken/ prepped at home - no - we had afternoon tea for lunch - but the voucher for it was a Xmas present, so I figure it was ok

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 - sugary snacks are being consumed.....:o
Clear up, clean up and take control. Clear space by removing 31 items - 84/31- 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.
* lunch out with family
* leftovers brought home for big DC - turns out macaroons are a hit with DS1
* some YS items in Sains
* using a £12 off £60 voucher for Sains
* managing to find the item DS2 wanted for his bday from my mum in stock online - and at a discounted price
Budget EVERYTHING
Food 485.22/450 - Oops!
Social 43.75/£120
Gifts 110.67/£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

Kerry_Woman

Day 29
NSD achieved today 11/15.
Added up what has been spent this month as I have no intention of spending the last few days of the year. Was an expensive month. Also added up what has been spent for the whole year in my notebook.
Still need to sort out my goals for 2018.
Grateful for:
A walk in the park.
Walked to and from friend's place.
Spent some time at friend's and had a nice time.
My friend inviting me over for dinner on New Year's day.
My friend and I planning a few social things for 2018.

apple_muncher

DawnW wrote: »

Here's the link

https://forums.moneysavingexpert.com/discussion/5765594

Thank you Dawn!

Kerry_Woman

I have thought about my goals for 2018 and have made 6 for now. It will be a new start for me on a personal level as I now live by myself sadly.

DawnW

I haven't been posting much this month, but I have been reading, and keeping tally of spends, NSDs and decluttering totals.

I have just totalled my spends for December, and had a nasty shock :eek:
My husband has a nasty back injury and my daughter has just had a baby, and what with that and Christmas, I have truly taken my eye off the ball :eek:
Shopping, including milk bill, Christmas food, everything - 547.90 / 350 (and this doesn't include various loyalty points, vouchers etc that I also used) :eek:
Petrol, parking etc - 125.99 / 65
Christmas, presents, decorations, cards, wrapping etc - 177.44 / 150
Toiletries, health, beauty - 90.66 (included a dental bill)
Personal 57.47 / 100

The real shocker was the food, I over bought as usual But on the plus side, none will be wasted. It wasn't just food for December, as it included a bulk meat order.
Christmas spends don't look too bad, all things considered, but I already had some presents, wrapping, etc, probably £120 worth or thereabouts, either left over from last year, or presents bought early when I saw a bargain.

The only plus is that none of this went on a credit card, loan or overdraft, and I can only do better next month!

apple_muncher

Today I am grateful for snow (I simply adore the white stuff but sadly reside within the m25 so rarely see it), for time at my sister's, for meeting up with a friend from Spain, for good buys with dd in the charity shops, for a warm house to return to, for the lovely bus driver stopping for us, for baked potatoes, for WSM, for a chat with dh.

laurenh1

mummylewis I too ignore sell by dates unless its clearly not right. Often make hubby give thingd a good wiff:)

apple_muncher

Kerry Woman - just to let you know that I'm still thinking of you. Do pamper yourself x