Nst november in new york

f0xh0les

NSDs - 5
ORGANISE - lists written, plan made, inventory/mealplan/shopping list
ENJOY yourself - fallen into a very enjoyable total tat-fest book.
MAKE - inventorized to within an inch of sanity
BUDGETS - figured out what went wrong with the credit card. I paid a mortgage overpayment to the cc rather than to the mortgage account. D'oh! So, child benefit will go straight to mortgage overpayment instead. Sometimes online can go wrong too. User error.
EXERCISE - speed cleaning. 4 bedrooms cleaned, hoovered, 2 loos and 1 bathroom cleaned, stairs (3 flights) hoovered, 2 double beds stripped and remade, laundry bins filled and bumped down 3 flights of stairs, living room tidied, sofas pulled out, all hoovered, all cups and crockery back to kitchen, and made a cup of tea and sat down in 59 minutes, It was a workout plus the house was shiny at the end of it.
RULES - do or do not, there is no try

IN case - think I am sorted
NOW is always the right time to start. - ok

NO takeaways,- will sit on DH if he even suggests one.
EVERYONE should know their debt free date. 2037 according to those mortgage people. (pah! fools!)
WINTER proof your home,- working on it.

YOU should cook from scratch - I do,
OUTSIDE-baby it's cold outside, But it is winter, so it should be- last Xcountry of the year over. Have decided to rob one of the planned 'class teacher' gift candles for the Xcountry teacher. She is a star. She was a star in a thick coat and hat while our kids were in shorts and tshirts. That is the coldest windiest field in the history of cross country I am certain. Still, 2 hours stood in a field kept me away from the fridge for 2 hours.
REPORT - daily!
KINDNESS - found YS 'feminine hygene products' for 13p a box. Bought 20 boxes, peeled off the YS and donated to foodbank - did the same with toothpaste last month.

Right, need to get kids ready for ping pong.

XSpender

Wow f0xh0les, it would take me all weekend to get done what you did in 59 minutes :eek: Except the making tea and sitting down, I could do that several times in 59 minutes Please send some of your motivation this way

Shrewbie

Thank you Mothernerd for the inspo, I definitely have what feels like a huge elephant which is improving my Spanish. I am going to set myself some mini-challenges for this, I hope you all don’t mind me posting them here for accountability.

NSD I am on 4/20.

ORGANISE Next week will be very busy so need to plan accordingly.

VALUES Have had some ideas about where I actually want to end up doing with my life and a potential plan is forming. Some puzzle pieces are starting to drop into place.

ENJOY yourself. Had a very frugal but lovely weekend so far. BF and I went to Aranjuez, a little town outside Madrid, walked in the gardens looking at the beautiful colours of the trees and managed 2 beers in the sun before we got too cold. Then we went home and visited a Pupuseria (pupusas are a sort of filled tortilla from El Salvador) we only had water to drink and the bill came to only €13. Very pleased with that as we were both more than stuffed and had to take food home with us. Total spend of that outing was €18.

MAKE Done.

BUDGETS Although no debt paid off yet, this has ended up being a v. frugal month for me and managing to squirrel some money away this month for christmas / dental treatment which I’m very happy about,

EXERCISE Had a good walk around yesterday. Will try to do a workout tomorrow.

RULES Mostly ok!

IN case of emergency Bought some boots from the charity shop today for €10, hope they’re waterproof, will test later.

Stock up with generic painkillers, cold and flu meds - just as effective as the expensive ones (MSE tested). Will do

NOW Going to plan my mini-challenges today (bites of the elephant) and will post here.

NO Had the pupusas yesterday but they were such good value!!

Chandelier.

Afternoon,

I'm up to 5/15 NSDs so far this month. The week has been a mixed bag spending wise and I've bought some things I wanted, rather then needed.

Today has been a spend day. The boy wanted to bake some cakes to sell at school for children in need.. a trip to the supermarket, £15 lighter and 42 cakes later... we are done! I bought a couple of Christmas presents which totalled to £7- more token gifts then anything.

The boy has show rehearsals tonight. I'm about to go make him a packed lunch for him to take as he will be there quite late. Whilst he is there, I'm just going to chill out and have some me time.

Tomorrow, I'm working all day... boo!! Roll on December for some annual leave. I just want a break at the moment.

Happy Saturday everyone.

Kerry_Woman

Did the Park Run. Walked the 5k in 49 minutes and 40 seconds.
Sorted out a few things in the flat before I left to go to the hotel overnight stay. Brought a few things with me to eat tonight and tomorrow morning.
Just chilling out in the hotel room.
Was a spend day as had to pay for the eco friendly pod from airport to hotel. Paid for tomorrow morning back to the airport.

Toni'sfriend

NSD 8/15 AFD No 10

Thanks for reminding me about frogs and elephants, Mothernerd. It makes sense to tackle frogs head on and not spend time worrying about them. I must phone the council on Monday about something I've been putting off for ages. As for elephants - I need to get into a daily/weekly routine and add another little/biggish job every day.

I would love to be able to recycle more. I live in a block of maisonettes. Each house has a a normal bin and one for cardboard, plastic, etc (but not glass ????) which are kept in a communal bin store. I really try but our recycling bin is regularly filled with bags of other people's normal rubbish. I've resorted to putting a brick on top of it to stop them. It seems that they are just too lazy to walk past mine and use their own normal rubbish bin.

So today we walked to the shops. A little bit of fresh air was nice. We needed some beef and veg for tomorrow's dinner and amazingly, considering Himself was with me, we stuck to what was on the list. No extras. That must be a first. It's all been added to my spending diary.

I have to confess to having two fig rolls with my afternoon cuppa this afternoon. I'm really trying to stop snacking.

Have a nice weekend.

greent

NSDs Still 3 NSD and 2 XSD.

ORGANISE your time. - hmmm - have spent most of today sorting out the VAT queries I discussed with accountant yesterday. Still not finished, but much closer to the end.

VALUES (Want - If I get to 8K OPs I am starting my 2020 Florida fund early.) OH bought a reusable coffee cup in Tesc0 - but it was reduced to 30p

ENJOY yourself. Far too much time spent on paperwork today

MAKE an inventory of food. Yes, done.

BUDGETS Donated toiletries to homeless mission and baby food to foodbank. Keeping track of spends.

EXERCISE Nope. Wet outside and I've been sat on my b*m doing paperwork....

RULES


IN case of emergency I STILL need to put details of my breakdown cover in car as backup. WIll also put another blanket in. Pledge to get this sorted in next few days

NOW is the right time. Logged food and drink again today.

NO takeaways etc - None today.

EVERYONEshould know dfd. Only debt is BTL mtge which we are OP-ing. EXTRA - still need to list a couple of bits on fb00k/ flebay. However, did cash out £35 from tcb in Tesc0 vouchers today :T - and made OP to mtge of the same

WINTER proof your home,- Have got a chap later in month to re-hang kitchen radiator and also service the boiler. OH needs to rehang rear lounge curtains.

YOU should cook from scratch. Yes.

OUTSIDE Not really - but it's been rather wet here... (again)

REPORT regularly - here

KINDNESS costs nothing.

chocolatelover93

Hey everyone

Sorry I've not been on for so long had a busy week this week and not been feeling too great again either. Not been very good money saving wise either in fact not been able to pay my usual £50 in my CC account this week because I was so far in my OD, which I still am so far in my OD I dunno if I can pay it next week! (Don't worry min payment had been made). I have re joined SW as I don't want to keep gaining weight! Did a bigish shop yesterday so that should keep me going for a week or so. But forgot to get potatoes so looks like I will be having lots of rice and pasta dishes!

Anyway, today will be a NSD. I have food and fuel so don't need anything else. I'm working today so had breakfast at home, bought lunch in (tomato pasta) and have a sausage casserole in the slow cooker ready for when I get home!

Now to catch up on the thread!!

NSD - Aiming for 15 again this month 2/15, working today and tomorrow and keeping my purse at home.

ORGANISE -

VALUES - In OD again, going to go hunting round the house to see what I can sell!

ENJOY - Baby free night today so will relax and spend a bit of time chilling I think

MAKE AN INVENTORY - Going to try and make this shopping last as long as possible, got lots of meat and tins in so should be ok.

BUDGETS - Not sticking to these very well!! Have left my purse at home today and will be doing the same again tomorrow.

EXERCISE - Not been doing this.

RULES - I'm getting there.

ICE - Bought some ice scrapers the other day so all prepared.

NOW - Joined SW this week.

NO - None today

DEBT FREE - Not doing well on this, but I haven't spent any more on CC.

WINTER PROOF - Only had heating on low the last few days.

COOK FROM SCRATCH - Got all meals prepped for today last night and all from scratch going to be doing the same tonight for tomorrows meals.

OUTSIDE - Too cold and wet today and will be dark by the time I get home.

REPORT - Hello

KINDNESS - Been very chatty with customers today
C xx

apple_muncher

Today I am grateful for beautiful trees, for a good swim with dd, for a warm pool, for dh picking us up, for finishing 8 bunnies (now to clothe them...), for getting some really important paperwork done with dh, for lots of rugby on the box, for still having some fresh rasps to pick, for dd doing lots of hwk.

Maisie_M

NSDs - 7/15
ORGANISE your time. got a lot done today so that it makes things a bit easier for tomorrow
VALUES – needed to get the shopping but didn’t want to go
ENJOY yourself. had a good laugh with a neighbour
MAKE an inventory of the food in your cupboards, fridge and freezer. Plan your meals around what you have. – definitely will do tomorrow
BUDGETS should be set before the start of the month - Food, travel, socialising, personal. updated spreadsheet with todays spends
EXERCISE 4 times a week, 20 minutes a day. 58 minutes so far today.
RULES The more rules you can follow, the more you will save/ have for debt reduction. – fingers crossed

IN case of emergency Add any items you might need (torch, shovel for snow, old carpet for traction, extra coat or blanket) to your car boot. hubby is getting all the stuff ready for the new car
Stock up with generic painkillers, cold and flu meds - to do
NOW is always the right time to start. even got becks blue for tonight :T:T

NO takeaways, coffee shops, vending machines, canteens unless for a special event. failed on this one today snacks whilst out shopping and then fish and chips for the boys tonight but hubby and I ate home cooked food
EVERYONE should know their debt free date. savings date 2021/2.
WINTER proof your home, if you haven't already done so. nothing more done on this so far

YOU should cook from scratch when you can. breakfast and hubby and my dinner
OUTSIDE It may be cold but wrap up warm and make the most of the available light. nothing today
REPORT regularly (daily is best) here
KINDNESS costs nothing let OH sleep upstairs last night even though he had been drinking wine and therefore would snore, Definately counts as a kindness :rotfl: