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NST 07/2018 - Survive July!
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Day 2 update:
VSPC 2020 #4 - £262.03/£200
VSPC 2021 #9 - £0/£200
Pay to your debts or savings FIRST and live off the rest
Let's go Turtles!
I still am Puddleglum - phew!
Grateful for a very productive day at work, sitting out in the garden and hm sausage rolls for tea.
New flat debt Jan 2017 £2302.75 Now £0
Debt Feb 2020: Credit card - £607.09. Now £0
Car - £4992.88. Now £3377.86 (32.3% paid)
Emergency fund - £714.17/£1000. Car fund - £322.11/£1000.
Flat deposit - £181.03/£15,000 (1.2% saved).
I have conjunctivitis. Spent most of the day dozing and playing games as reading hurt too much.
Today I am grateful for relaxing, for plotting (brain is still working so getting a plan of action together including shortcuts - if spray is around, I will zap all the weeds growing in the spaces between the flagstones), having a dress to wear.
Had started writing post last night but the cat walked over the keyboard and managed to switch off typing function so I couldn't type anything. Did the sensible thing and switched pc off.
All working properly today.
Have got 2NSDs. Aiming for 13 but hoping for more.
NST NSD
Goals for 2020:
Self: Health: Wealth :
Will try for 13 NSDs & hope to get nearer to 20....2/13 today
Set your budgets not yet done
Use Most definitely want to do this; have a mountain of food & stuff to clear. Have been sorting but it is a big task, not made easier by being unwell for the past few days & find the hot weather difficult especially when unwell. Will record progress on here to call me to account. Must view house as massive shop full of items which can be (mostly) sold. Have already discovered loads of clothes etc than I can either wear or sell. Also have makeup & toiletries, need not buy any of those either..still a bit poorly but managed to wash & iron some clothes & list a few on FB selling sites. One sold straight away but they've not paid yet, if the others don't go I will list on ebay..
Revisit Targets were like other peoples I think, to lose weigh (not really); to declutter - some progress; to stop wasting money - also some progress there..will list any weight losses/stuff leaving the house/money gained by selling...when it happens
Vacation Have already booked to go to Ireland for 3 weeks from July; aim to sell some stuff to pay for spends over there. Will also be planning some days out & at least another visit to the Old Country later in the year, probably 2. Started to list stuff but no income as yet, WIP.
Value Always do try to use cashback sites where possible, and find value for money in shopping. Also have a card which gives me vouchers; and do some work which pays in vouchers too. Use cheaper supermarkets & have HB & Fultons here as well, which are both good for some stuff. No shopping as yet but will be Lidl/Aldi tomorrow.
Every Checking in 2/31 Gratitudes: Cool breeze tonight; helpful DH who went to PO & tip with bags of carp from cellar; perfume of lilies in enclosed garden lovely; feeling better..
Jump No jumping here either but in the garden every day when possible. Do try to drink water but struggle with this. In the garden this morning & tonight, a few glasses of water but probs not enough.
Unless budgeted, no takeaways, coffee shops, lunches out etc. Nope
Perhaps keep track on here of items/ lbs lost and £s made:
Hope to do this
Yearly we are halfway through 2018. Good idea, will have a big list of outside jobs that need doing/big/small & in between. Got up early & DH lugged lots of bin bags up from cellar & made his first-ever tip run.. more to go after that, but a lot went. Need to make big list probs tomorrow..
Go turtles!
Please may I be added to July?
I've got 2 NSDs in the bag already and will be aiming for 18.
Budgets
£150 groceries/household
£80 fuel
No birthdays this month. I'm currently in a huge project for an Xmas present so that's on the go already, it's taking forever! Others will be food related so can't be started yet. (I've set that budget already too and have it coming out of October payday budget however if I've seen a good bargain then I've been taking it from that months grocery budget). I have a bottle of whisky for DH that was half price and some books for DD from Costco that worked out at £1 each for the same ones you'd pay a fiver for each.
I have to go shopping today so won't be an nsd however I have truly discovered Aldi now so won't be as expensive as the usual Sainsbury's trip (even though I do love nectar points!) I can't believe it's taken me this long to do a big shop there, although it has helped that a new one has just been built right next to Sainsbury's so I don't have to go to the next village.
I've paid off a good chunk of my credit card this month, the rest of it will go next month and then be clear. After that will be onto the next bill. Neverending mess but determined to be out of it!
Will try to check in later with daily gratitudes.
MLx
today shall be my first SFD. Yesterday wasn't as I caved in and got myself a new phone, calendar/diary thing for 18/19 and some resistance bands. My old phones got dropped and stepped on too many times. The last one only worked for browsing the internet and the older one I resurrected to actually use as a phone worked only very intermittently. So a new one was needed. Got one from Tesco with good review, reduced and used my Tesco vouchers I had sitting there (finally price £82, already got a contract for just a fiver a month).
Will switch our mortgage today to a new fixed deal for two years. Staying with the same bank but the deal is better than what we pay now. Also want to fix for two years and that gives us a dead line to think about what we want to do- extend or move. AND I will now start overpaying the mortgage :T. Not much I guess but every little helps.
Have a nice day
SFD -/- spends £-/-
Exercise -/-
:j:j:jDebt - all 0% 0 to go from 5290 :j:j:j as of 12/19
DFD 12/2019 Mortgage 109343 (04/17) 92300 (11/19) OP 1910
July got off to a good start yesterday. I didn't spend a penny but for my expenses as planned. I have submitted my expense sheet this morning & I am just waiting for it to be put in my account. I am hoping that if it goes in before next Wednesday I can put it towards taking the kids to the beach for the day and possible getting us all a bag of chips
I have been trying to make a real effort to use things up & so yesterday for lunch I did a bit of a buffet with left over picnic food. Tonight for dinner is sausage casserole with left over BBQ sausages and tomorrow will be something with ham. probably toasties or something. We have £160 to spend on food this month, which is a bit tighter than I would like, doable though if I make the most of what I have in.
Took the boys to the park after tea last night for half an hour & i have promised it they are good I will do the same tonight. They had played int he garden all day & seemed happy enough to potter but it makes me feel like I have done something with them and its free soo....:D English Heritage membership expires this month
Went running again last night, same tonight. I hate it, but I am always chuffed once I have done it!
Grateful for - sitting in the garden, sunbathing & reading, a few strawberries popping up in our hanging baskets & for my boys being good as gold this morning