NST January: Health, Wealth and a Life Well Lived

NinjaSavingKat

......"Just gonna have a wee read here and see what the Turtles are up to in the second week of 2018...:T..."...

Oh and I am gonna join you all in February...:D:D:D

thriftylass

NinjaSavingKat wrote: »

......"Just gonna have a wee read here and see what the Turtles are up to in the second week of 2018...:T..."...

Oh and I am gonna join you all in February...:D:D:D

:j:j:j

Good to see you again

greent

Janus a time to look forwards - where do you want to be in 12 months from now? 12 months: debt free (exc BTL mtge - but target of 4K ops) A decent no of jobs completed from our 'to do' list for the house (some are small, some are big/ long term/ expensive) Fitter. Hopefully with 2 children at uni. Pensions sorted.
Today's actions towards this - transferred more money into kitchen fund from flebay sales

Activity. This is a BOGOF one. Take up a new hobby or resurrect an old one. ALSO, be active. Keep moving. Today: - just more kitchen packing up done (lifting/ bending/ stretching) 10k steps done whilst doing so.
Non-negotiables
-18 NSDs (if not, why not?) (not fussed if I don't achieve this as long as budgets aren't blown) 3/18. Got one today if I still can claim an NSD for milk (bought 8 pints to tide us over until I go shopping on Fri, after buying 28 at the weekend....)
-your budgets are set by the start of the month and are fixed.
Food - 102.23/£400
Fuel - £63/65 -
Toiletries - 0/£10
Household - 55.63 /£20 - (busted due to new toaster/ teatowels)
Clothes - 12.13/ £60
Social - 86.39 + McDs/ £100 (all bday related)
Gifts - 15/ £50 -
-£5 to foodbank / charity - DONE
-pay money to your debts/savings FIRST - day to day CCs paid off in full, usual monthly pymt to OH's car finance. Some money transferred to kitchen fund. My tax bill paid in full (£565). Min payments to both 0% CCs this month until kitchen expenditure known in full, instead of estimated
-meal plan - I don't do this. OH hates meal planning. However, I am targeting stuff which needs using up first, even if only for me. Gaps in freezer and on shelves.

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... -ok
Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read. ok. Today I caught up the hem on a pair of DS2's school trousers where it was coming down Various items recycled.
Stretch challenge - aim to get extra money of £50. £28.06/£50 (+ £7 net ebay sale for DS3) Aim to declutter 50 items. 120/50:j
Have joined pay off all your debts by Xmas 2018, MFW 2018 (looking to OP £4k on BTL mtge), Declutter in 2018 (aiming for 2018 items!:eek:) Relisted 7 items on fleabay - 1 now sold

something Joyful in Jan : n/a today

Toni'sfriend

NSD 6/12. C is out with his friend and the boy is buying me a Chinese take away.
Washing and ironing all done and I've looked out what I'm taking with me on holiday. Not a lot as we travel as light as possible and I'll find somewhere to have things laundered as we go along. Not very MSE but it's a balance between that or carrying enough for a month. We'll buy what toiletries we need in Amsterdam to save hassle at the airport (needs to be as hassle free as possible when you're travelling with C these days). Apart from that I've been cleaning, tidying and throwing out. What C doesn't know about won't hurt him?
I have managed to get the laptop to connect to the internet. The boy said we should just throw it out (he's the expert?) but I was determined that I could get it to work. Actually I don't know if it was me or if it decided to do it of its own accord. I swear these things have a life of their own. Anyway it's working again.
So a few things to do in the next couple of days. Get some currency and collect prescriptions but although it's not all NSDs I pleased that we really are not spending very much.
Off to watch something on Netflix. The boy is sharing his account with us so I don't have to pay for it. He's a wee star!

Lauralozzle

Today has been a very spendy day!

Trip to the vets to collect the dogs tablets - we opted for 100 as it’s cheaper in the long run but that cost us £116 :eek: was not expecting that. That is, pretty much, the entire emergency fund from last month gone. Will have to see if I can move some bits around but we might just have to take the hit with that one. I have allocated spends for the dog in the budget but this was well over.

I’ve now decided to set up a separate account solely for the dog and will revise the monthly figure we set aside to accommodate this.

Other than that, I’ve had a good day. One of our supervisors have announced they are moving teams so I am seriously considering applying for the job when it is announced. It won’t be worth much more income wise but it’s a step up so I will definitely apply. The worst they can say is no.

Kerry_Woman

NSD today - 6/18
Grateful for:
Walking.
Reading my book.
Voluntary work - discussion about a volunteer website. Was a discussion in a meeting room
Enjoying the sights of London walking to the station tonight.

abundant1972

Evening!

Today I am grateful for:

• My first cup of coffee in the morning
• Showers - convenient and energising
• A week off work <hoorah>

Today = NSD number 8

Not much to report really today. Woke. Work. Home. Ate haha. It was one of those days. I'm trying to re-address my work/life/family balance and have been firm that next week I am taking the time out for ME. Not for family - Me. It feels selfish - but actually - I'm on my last legs. So meh! I'm doing it.

f0xh0les

Will aim for:
NSD 7 - argh! DS4 has managed to lose his 2 week old pair of plimsoles at school, scoured the house looking for them AND his wellies. Nowhere to be found. Bought him a new pair of plimsoles, new pair of wellies, and caved at a new pair of trainers for football total £ 18.50.,
Could not find my chequebook today so I have started looking in ridiculous places now. Found DS3s nearly new pair of size 1 plimsoles less than 10 minutes after writing DS4s name in his new pair of size 1 plimsoles. He loses them at such a rate of knots, I am sure they will all get used.
Kids to school done
Gym for an hourdone
Home for a lovely hot bathdone
Launder bedding 2 beds washed, dried and back on the beds
Lunchbox planningvaguely
Baking nope
Kids from schoolyep
all the other stuff.painted the landing and the landing ceiling.Touched up skirting boards in my bedroom, made supper, made DS3 and 4 hot chocolate and hot water bottles

Did a nice thing this morning. An older lady did not have quite enough money for a trolley so I gave her a £1 coin anyway, and she gave me what she had in her purse. I was heading toward my car when I noticed one of the 5ps was a sixpence, so I ran back and gave it back to her, I couldn't take someone's lucky sixpence could I? She said she had been saving it for her son. I have a couple of sixpences knocking around the house I have found in my change or on the street (??)and everytime I come across one it makes me smile. Even though I was a post-decimalisation baby.

DawnW

Time to update I think, (sorry, not good at updating every day):

Food, household and toiletries - £96.88 / £240
Fuel - 0 / £65
Personal spends (covers clothes, hairdressing, social etc, this is for 2 of us) - £40 / £100
Gifts - £75 / £150 (Daughter's and best friend's birthdays)
Food bank £5.22 / £5

I had to go to the dentist's today, and OH is having chiropractic treatment, so big bills for both of those but can't be helped.
Struggling with NSDs - I count everything as a spend, and there seems to be something nearly every day
Stalled a bit on the decluttering as well

But the budgets are going more or less as expected, at least

apple_muncher

Greent - yep, you still keep your nsds re milk.

NSK - sooo excited to have you around again. mothernerd is running Feb - no pressure, eh?? I think mothernerd ran the very first month after you stopped and went travelling, so she can handle it!