NST December 2018 – Exterminate the debt!

apple_muncher

Thrifty - I was in eastern France one year and loved the St Nicolaus celebrations. I figured that spending early dec in eastern France, mid-late dec in England and new year and Epiphany in Spain would gather sooo much celebration into one calendar month!


XSpender - if dh borrowed the money for his weight-loss plan (I think I remember yhat correctly), then I am truly miffed with him at you having to now deal with the shortfall. You have hugs from me.


Speky - wow! to your sugar cravings! And well done on wanting and nsd more than you wanted sugar.

XSpender

apple_muncher wrote: »

XSpender - if dh borrowed the money for his weight-loss plan (I think I remember yhat correctly), then I am truly miffed with him at you having to now deal with the shortfall. You have hugs from me.

Thanks Apple. DH always overspends his personal allowance and I always have to cover it from elsewhere in the budget. He is too far removed from the budgeting as I deal with it all so I don't think that helps.

He did so well on the plan earlier in the year but used the refund for extra classes which he then didn't attend but has really struggled with it this time around. The goal is 20lb and he is hoping to achieve 15lb by a week tomorrow. He lost 22lb last time around (March) and put half a stone of it back on.

Kerry_Woman

NSD today - 4/15.
Did not go out for a walk today.
Not much time spent on computer, mobile and no computer games.
Self care.
Will be lighting a candle and reading later on this evening.
Grateful for:
For support from my brother and sister.
Decorating/painting completed today.
For having my flat back for myself.
Having a chilled out afternoon and evening.

crazy_cat_lady

Evening all :hello:
I confess to not feeling the love today at all. I am tired because I worked late last night and got no down time at all. Plus work is more than a bit stressful at the moment, and we're not close enough to the end of term for me to see the end in sight just yet. There is someone I work with who has been particularly stressed out recently and today my head of department said he thought that the negative attitude was starting to influence me Oh. So I need to concentrate on that bit of the challenge. I can't help the fact that I work with her but I can stop myself from only listening to her...
I also destroyed my nsd by deciding I had to get chocolate on the way home from school. Naughty, and exhausted.
Plans for the evening = another early night. I have awful insomnia again at the moment so I need to sleep as and when I can.
Today I am grateful for:
11 more school get ups.
A snowman biscuit that ds made for me at school
Having friends I can talk to
Not quite being overdrawn yet.

XSpender

Hello Turtles

Today I am grateful for:
1) not being the person getting made redundant but feeling terribly sad for the one who is
2) Christmas fun with DS putting up the hall tree and attempting to make decorations (need different glue to complete)
3) having a cold bottle of GF beer in the fridge ready to drink
4) finally finding out from school when DS play is (3 working days notice!!!!!) and hopefully being able to get to see most of it before I have to catch a train for work

Didn't get a NSD today as DH bought some lunch but stuck to his diet plan. DH is at the gym so I'm going to have some dinner (will have had 3 meals today) and read my book while quaffing my cold beer and keeping off tech. I might light a couple of candles too.

plumduff55

COUNT UP TO 12 - No spending yesterday or today so that's me on 4/12.

ORGANISE YOUR OUTGOINGS - I will re-do this when I get back from holiday.

TREAT YOURSELF WELL - Will definitely be treating myself on holiday.

REFRAIN FROM BROWSING YOUR PHONE - Very good with this one.

OWN RULE - Forget the past, live for the moment and look forward to the future.

SLOW LIVING MONTH - Will give this some thought.

GRATITUDES - Will record these on the OS Pleasures thread.

NO TAKEAWAYS AND COFFEE SHOPS - None today or yesterday.

BE AN OPTOMIST - Hopefully, some of my family are very negative and sometime they do pull me down.

CANDLES - May not achieve this. I like candles but after a while they really irritate me.

SWITCH OFF TECH AN HOUR BEFORE GOING TO SLEEP - Yes

READ FICTION - Reading a good book by David Baldacci.

EXERCISE - Housework today was good exercise.

WHAT'S THE POINT OF BEING GROWN UP - Love this one.

OUTINGS - I only have one Christmas lunch booked and a couple of meets for coffee - can't really cancel any of these. Oh and I'm going to New York on Saturday till Thursday - definitely not cancelling this

EXTERMINATE, ONE BAD HABIT FROM YOUR LIFE - Still thinking on this one.

REMEMBER THAT YOU ARE BLESSED - I have a large bag of clothing etc to take to cs - I was going to drop this off today and forgot to take it with me. Not had time to do this yet.

Lazy evening watching tv now xx

apple_muncher

Today I am grateful for our wonderful admin staff, for cheery colleagues, for some lovely pupils, for getting some wrapping done, for an nsd, for time with dd, for dbil coming to visit, for getting a good walk in, for finishing some admin tasks.

x_raphael_xx

SpekySquarehead wrote: »

I once accidently ate 23 Krispy Kreme doughnuts in 48 hours.

Accidently!! :rotfl::rotfl:

[FONT=&quot]D[/FONT][FONT=&quot]ebt-free date. Tomorrow! I'm a little excited. Can't wait to ring mum and tell her the moneys in her account.
[/FONT][FONT=&quot]O[/FONT][FONT=&quot]rganise your outgoings. Bought present for granma, just dad to organise, but I'm stumped. I'll need to pay for postage when parcels are ready, and I need to send my friend a donation for his NYD charity dip[/FONT][FONT=&quot].
[/FONT][FONT=&quot]C[/FONT][FONT=&quot]ount up to [STRIKE]15. Fifteen[/STRIKE] 20 No Spend Days. 4/20 - Present bought for Granma. She likes poppies, and I found a lovely poppy pashmina scarf.[/FONT]
[FONT=&quot]T[/FONT][FONT=&quot]reat yourself well. Rest day from the gym today, although I was running around the house cleaning.[/FONT]
[FONT=&quot]O[/FONT][FONT=&quot]ne thousand days. Intriguing [/FONT]
[FONT=&quot]R[/FONT][FONT=&quot]efrain from browsing your phone I have deleted my meme app. My friend came round earlier and I found my phone was in my hand and I had opened the app without even thinking about it! How rude![/FONT]
[FONT=&quot]W[/FONT][FONT=&quot]hat kind of month do you want for yourself? Rest day from the gym and running today. Made my candles last night, and today did a little of my crafty presents. [/FONT][FONT=&quot]Told bf to get me stuffed dates from Aldi today, he failed me.
[/FONT][FONT=&quot]H[/FONT][FONT=&quot]ere’s a space for your own rule. [/FONT][FONT=&quot][FONT=&quot]Cleaning! [/FONT][/FONT][FONT=&quot][FONT=&quot]House has been cleaned thoroughly today. My vacuum died on me. I don't know if its just the fuse or it's given up the ghost. I'll get bf to investigate tomorrow.[/FONT][/FONT]
[FONT=&quot]O[/FONT][FONT=&quot]utings. No outings planned.[/FONT]
[FONT=&quot]S[/FONT][FONT=&quot]low living this month. Didn't get round to wrapping anything today. Will make sure it's done over the weekend.[/FONT]
[FONT=&quot]O[/FONT][FONT=&quot]mm. Take care of your mental health. [/FONT][FONT=&quot][FONT=&quot]I always enjoy cleaning, I pop my headphones on and belt out some tunes as I go. So that was theraputic. Then when my friend came round we played some Gears of War. Blasting baddies away is very relaxing [/FONT][/FONT][FONT=&quot]
[/FONT][FONT=&quot]N[/FONT][FONT=&quot]o entry to any sales. Shops avoided.[/FONT][FONT=&quot]
[/FONT][FONT=&quot]I[/FONT][FONT=&quot] am and always will be the optimist.[/FONT][FONT=&quot][FONT=&quot] Good day today. Bf checked out my bike (without being prompted) and found the battery connection just needs a new nut & bolt. A nice cheap fix.[/FONT][/FONT][FONT=&quot]
[/FONT][FONT=&quot]C[/FONT][FONT=&quot]andles & tech. Advent candle lit. War & Peace waiting for me in a bit. [/FONT][FONT=&quot]
[/FONT][FONT=&quot]"S[/FONT][FONT=&quot]ome people live more in 20 years than others do in 80. It’s not the time that matters. It’s the person.” “We’re all stories in the end. Just make it a good one.” [/FONT][FONT=&quot][FONT=&quot][FONT=&quot]Enjoyed a good long gaming session today.[/FONT][/FONT][/FONT][FONT=&quot][FONT=&quot][FONT=&quot]
[/FONT][/FONT][/FONT][FONT=&quot]C[/FONT][FONT=&quot]hase down more awe and joy.[/FONT][FONT=&quot][FONT=&quot] Really enjoyed my day off today [/FONT][/FONT][FONT=&quot]
[/FONT][FONT=&quot]R[/FONT][FONT=&quot]ead fiction before bed. More War & Peace. [/FONT][FONT=&quot]
[/FONT][FONT=&quot]E[/FONT][FONT=&quot]xercise. Rest day today.[/FONT]
[FONT=&quot]W[/FONT][FONT=&quot]hat’s the point of being grown up if you can’t be childish sometimes. Bf came home with some new Pokemon for me [/FONT][FONT=&quot]
[/FONT][FONT=&quot]D[/FONT][FONT=&quot]on’t give up. Here I am![/FONT][FONT=&quot]
[/FONT][FONT=&quot]R[/FONT][FONT=&quot]efuse to get sucked into guilt spending. Not gone overboard yet.[/FONT]
[FONT=&quot]I[/FONT][FONT=&quot]dentify activities and people who drain you.[/FONT][FONT=&quot]All good today.[/FONT]
[FONT=&quot]V[/FONT][FONT=&quot]isit your local area. Haven't left the house today. Weather has been gross.[/FONT][FONT=&quot]
[/FONT][FONT=&quot]E[/FONT][FONT=&quot]xterminate No Sax practice today, too much fun with my chum [/FONT][FONT=&quot]
[/FONT][FONT=&quot]R[/FONT][FONT=&quot]emember that you are blessed. Good company, clean house, and puppy snugs.[/FONT]

pinkypig

Hello Turtles :wave:

Some success today but not loads

Got up early and read for 20 mins before work - love this . I think it'll continue beyond December.

Organised the house. Laundry done, grocery shopping done (under budget :j) Christmas decs up.

Went spinning and had a lovely, long, hot shower at the gym afterwards.

Today was rent day so cb cc paid off and accountant's bill paid, budgets reviewed and in tact. Also bought some stocking bits so a spendy day but I stuck to the list so it was at least planned and thrifty:)

Took breakfast ,coffee and lunch to work. Batch cooked veggie bake from the freezer for dinner.

Avoided two of my worst drainers all day :j

Things I'm grateful for are healthy batch cooked food from the freezer when you're cold, wet and tired, a cosy, warm house that's all twinkly and ready for Christmas, being able to talk frankly with my lovely sister about something emotional challenging and for knowing that I'm loved because it just feels so nice

Keep dodging the downpours - both literal and figurative:):)

PP xx

The_Only_Girl

Good evening fellow turtles!

Just a quick check in tonight as I am still full of colds. Today had been a super busy and heavy day at work. We are launching a major project and it is very emotionally draining. I am not really in the right head space for my uni work so that will just have to wait.

4 things I am grateful for:

1 yummy chicken casserole that OH prepared for dinner which was ready when I got home from work at 6pm
2. Lots of left over chicken casserole enough for tomorrow’s lunch
3. A couple of hour’s bonding session with my 2 BFF. Our trio will be singing in church this Saturday.
4. I bagged my 4th NSD and my 4th packed lunch (no take aways, no ready made sandwiches , no staff canteen lunches )

“Budgeting is telling your money where to go, instead of wondering where it went.”
John Maxwell