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NST January: Health, Wealth and a Life Well Lived
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apple_muncher
Posts: 15,240 Forumite
Welcome to January Make 2018 the year that you rid yourself of debt, beat down the mortgage, get on top of your spendthift ways, learn new skills and set yourself up for the future.
2018: Health, wealth and a Life Well Lived
(Shamelessly lifted from Craig Ballantyne at earlytorise.com)
Janus is the god who looks both backwards and forwards. A new year can be a time to look back over the previous year (but we turtles have already done this in December). So this is a time to look forwards - where do you want to be in 12 months from now? 5 years? 10 years?
Activity. This is a BOGOF one. Take up a new hobby or resurrect a new one. ALSO, be active. Keep moving.
Non-negotiables:
-18 NSDs (if not, why not?)
-your bugets are set by the start of the month and are fixed.
-£5 to foodbank / charity
-pay money to your debts FIRST - do not wait to see how much is left at the end - and live within your budget
-meal plan
Unabashed, unambiguous, unconditional, undaunted, undivided, unerring, unshakeable devotion to your goal(s). [more on this later]
Always plan your meals; always take a shopping list; always take your lunch to work and drink + snacks when out and about; avoid all coffee shops, vending machines, work canteens...
Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read.
You are the key to reducing your debt, living modestly, keeping as fit and well as you can. So look after yourself - physically, spiritually, mentally and emotionally.
I want to re-introduce Bob's s t r e t c h challenge for January: how much extra an you earn / save off your food shop / move / remove.
Would joining the 1% thread help you? Or the MFW for 2018? Or the pay off all your debts by xmas18? Does reading mrmoneymustache or frugalwoods inspire you?
Activity. This is a BOGOF one. Take up a new hobby or resurrect a new one. ALSO, be active. Keep moving.
Non-negotiables:
-18 NSDs (if not, why not?)
-your bugets are set by the start of the month and are fixed.
-£5 to foodbank / charity
-pay money to your debts FIRST - do not wait to see how much is left at the end - and live within your budget
-meal plan
Unabashed, unambiguous, unconditional, undaunted, undivided, unerring, unshakeable devotion to your goal(s). [more on this later]
Always plan your meals; always take a shopping list; always take your lunch to work and drink + snacks when out and about; avoid all coffee shops, vending machines, work canteens...
Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read.
You are the key to reducing your debt, living modestly, keeping as fit and well as you can. So look after yourself - physically, spiritually, mentally and emotionally.
I want to re-introduce Bob's s t r e t c h challenge for January: how much extra an you earn / save off your food shop / move / remove.
Would joining the 1% thread help you? Or the MFW for 2018? Or the pay off all your debts by xmas18? Does reading mrmoneymustache or frugalwoods inspire you?
Who is with me for January?
Post your name (not the whole challenge, please) to sign up.
Post your name (not the whole challenge, please) to sign up.
NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
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Comments
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January contenders:
1 apple muncher
2 Lauralozzle
3 DawnW
4 Toni'sfriend
5 clippy_girl
6 sashanut
7 misstara
8 laurenh1
9 lcc86
10 mummy lewis
11 Kerry Woman
12 greent
13 x_raphael_xx
14 FurryBeastOz
15 ilovetea
16 mothernerd
17 1SmallStep
18 f0xh0les
19 arc2014
20 dizzyblnd
21 Fmess
22 bizzie
23 Baileys Babe
24 Eager_Elephant
25 squirrelgirl
26 DancingDragons
27 dolly84
28 Chloris
29 frooglefraggle
30 abundant1972
31 mrshubbard
32 in need of direction
33 Massa1982
34 Lady_M
35 Nicky Noo Na
36 igamogam
37 FlorenceJ
38 Munchin
39 saveforabetterlife
40 Shelbi
41 Dottydaisy
42 thriftylass
43 Chandelier
44 missyv30NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!0 -
I’m in for January!
February Grocery Budget: £190.75/£350.00
NST no. NSD 4/150 -
And me please, I will try to post more in January than I managed in December
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Hello Apple
I'd like to join but we are travelling in Europe for a month beginning 15th January. All budgeted (including eating out etc) and/or paid for - coming from our holiday account. Can I try anyway and see how I get on?Have adventures. laugh a lot and always be kind.0 -
Hello! I would like to join again until I go on holiday on 26th. Need to get back on track!:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j0
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Hi all :j
Fallen by the wayside horribly in December...but count me in for January please!!New start JAN15 - NOT BUYING IT 2015 :eek:. Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE :happyhear0 -
Please count me in apple. I've also fallen by the wayside in December and need to get motivated again.Mortgage 26.4.25 - £108,500 1.8.25 - £106,362.86
Mortgage overpayment savings - £3.33/£50
Mortgage overpayments so far - £675.980 -
Me please lovely!0
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Can I join please? No debts to pay but just got debt free again and need to keep on the right track!0
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I'm in please!Money Saving since 2016 and determined to be debt free by 2020.0
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