NST December 2018 – Exterminate the debt!

chocolatelover93

Hello everyone

TOG - I think I used to be on the thread when you were on before too welcome back!

NSD 2/15 today pleased with myself for that one. Went out to get a free swim best for my son and was going to take him to get some chips by the sea. Checked my purse and pence in there so we come home and had left over party food!

Budgets for the month are:
Fuel - £150
Food - £200
Ent/Xmas/ETC - £50

Meal plan has been written till the end of the week and writing shopping list as I go an max I will spend on each item next to it, so when I go shopping I won't overspend!

Me and my son had a lovely day today I call them "mummy and baby days" we just spend the whole day the two of us, usually messing around and having a laugh - it was lovely.

So as soon as I woke up was scrolling this morning! But I haven't been on my phone as much as usual and it's been nice, I've had a lovely day with my son.

Still currently in my OD but not anymore than I was at the beginning of the month lol.

4 things today:
1. Lady giving away free swim vest
2. Traffic wasn't too bad when I went out
3. Mummy and son day
4. Asthma not being too bad when my cat sat near me.

C xx

XSpender

Off to a fresh start today after yesterday's false start

Organise your outgoings – updated YNAB

Count up to 15 – 1/15 and DH has suggested Spend Free Sundays :T

Treat yourself well – DH is away or out a fair bit of next week so I am planning to watch Netflix, give myself a manicure. ear proper meals, and read my book. Early night tonight as DS and the dog have had me up since half five!

Refrain from browsing your phone – I have definitely looked at it a lot less over the last 2 days and left it in the house for hours yesterday

What kind of month do you want for yourself? - Lovely family day today including watching DS play 2 matches.

My Rule – complete my 19 before 2019 to do list! made some progress but nothing crossed off

4 Gratitude – 1) the volunteer coaches who encourage and support DS to play his sport well 2) the village I live in, I love where I live 3) DH fixing the freezer 4) tickle fights with DS

No entry to any sales, no takeaways, canteen meals – took my own tea to DS match today so didn't buy one

Visit your local area – walked around the village admiring the Christmas lights and trees in the windows

Exterminate one bad habit from your life for the first 10 days – ate 3 proper meals today

Saving_Glut

NSDs: 0/12 reducing goal to a realistic target for this busy month.

Avoid Vending Machine at work. 2/31.

Exterminate DailyMale for 10 Days: 2/10.

Dream: Prepared outline plan of training plan for ski marathon in March. I have competed 2 previously, but dream is to complete 10 in total and become master skier.

Slow Living. Have signed up to receive a daily piece of classical music by email. This is my 2 mins of daily quiet time!

Exercise/Awe/Childs Play. Dressed up for 5k Santa run with OH andsurpassed 10,000 steps. Appreciated enjoyment of supporters watch 2750 Santas run by.

4 Gratitudes: 1. Free Santa Run. 2. Balmy weather. 3. Opportunity to collect backpack full of pine cones for lighting fire. 4. Listening to busy sounds of wildlife settling down for the night: A deer crossed my path, heard owl hooting and pheasant calling.

Saving_Glut

f0xh0les wrote: »

Books are classed as important insulation, not clutter. They reduce sound and heat loss. Leave them there for winter!:rotfl:

You’ve Convinced me foxholes, I’m not venturing up to the attic before March!:T

crazy_cat_lady

Hello :hello:
Welcome back TOG - sounds like things have been a bit hectic.
Plumduff, when the word highlights on your iPad you get a little blue circle in the top left and bottom right of the word. You can drag those to select more text before and after the highlighted word (I really hope that makes sense).
Lavenderbee - thank you for the suggestion about the app. I'm not too keen on trying it just yet, everything is still a bit raw for wanting to make new friends but I will definitely have a look. It's because I've been ill so haven't seen anyone for a few days. Still didn't see anyone but rang my mam for a chat this afternoon which was almost as good
Bagged another nsd, and am grateful for being well enough to tutor this morning, Day and Night Nurse (again), lots of Christmas films and cuddles with the kids and cats. I did a small amount of cooking this afternoon, enough for a couple of days anyway and have spent a quality afternoon with the kids so I'm feeling pretty ok all in all.

Saving_Glut

plumduff55 wrote: »

Hi, I'm using an iPad and when I press on the screen I only get the option to select one word. Is there a way to select a whole paragraph on an iPad?

Thanks for your help xx

Hi Plumduff. When you have selected the text on your iPad, you have the option to slide the blue highlighted text bar to your preferred text (at both the start and end of the highlighted text). Alternatively, you might have the option to Select All.

greent

Debt-free/ MF/ Savings target date savings 08/2020. mtge 09/27 Xmas & bdays spending on CCs - to be repaid no later than Feb payday
Organise your outgoings. Lots of spending this month, not all Xmas related - will keep track - more food spends today and a bottle of wine for a present. OH also bought new clips for outside lights - old ones removed when guttering was changed in the Summer
Count up to 15 NSDswill monitor 0
Treat yourself well. Today was better
One thousand days. Intrigued by this
Refrain from browsing your phone when nothing else is going on Mindfulness! 50%? success
What kind of month do you want for yourself? December - a month of 8 days at work, 1 trip to Cardiff to see DD on her 21st, 1 trip to Swansea and Cardiff to collect DD & DS1 for Xmas (OH will do this), 1 meet up with relatives at my house (eek!), 1 Xmas show to see (DS3), 1 meal out for DD's 21st when she and DS1 are back home, 1 Xmas/ bday meal out combined celebration and paid for by OH's business , lots of cooking, lots of family fun and games and a decent amount of sleep! And more fun. No stressing last minute. Time to enjoy it all.
Holly and other decorationsI may change this as we go through the month. OH put outside lights up today. Not doing trees until students are back home though
Outings. Drop one. I dropped a work one. May also drop primary school Xmas fair...

Slow living this month.Will take time for R&R and set timescales to get things done in reasonable time Hmmm... could do better already!
Omm. Take care of your mental health. Do something every day this month that makes you feel good: Write down 4 gratitudes each day.ok Grateful for finding some good YS items, having more than enough, having a lie in until almost 7.30(!), catch up tv

]No entry to any sales. Likewise, no takeaways etc.Will likely pick up more cards and paper in sales . No takeaways today
Iam and always will be the optimist. I generally am
Candles - Switch to candles and firelight after dark And switch off your tech an hour before going to bed please. Currently have low lights on, no candles. Finishing with tech shortly
Some 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.”
Chase down more awe and joy. Go after it with a purpose. DD tracks FC on Xmas Eve with DS3 and we have already started Xmas light spotting when out and about
Read fiction before bed. .
]Exercise. Get 10,000 steps a day Move a little more. Embrace the outdoors and enjoy the fresh air. target of 10k steps each day (may give myself Xmas day off) + a squats challenge + tracking food Hmmm - am revising this to an average of 10k steps each day in the month - gets past those days when I just don't move....

What’s the point of being grown up if you can’t be childish sometimes.Yes!
Don’t give up. Not ever. Not for one single day. Be safe if you can be. But always be amazing.” Pop on here every day .Here
Refuse to get sucked into guilt spending. None today
]Identify activities and people who drain you. Give yourself permission to take a break from them for 21 daysI've been gradually doing this over the past few years....
Visit your local area. Find new footpaths, see where a road or path takes you. Explore new horizons. Would like the weather to be drier to do this....
Exterminate one bad habit from your life for the first 10 days. Darn - looks like Candy Crush for me... oops
Remember that you are blessed.will donate 2 more items added to CS bag today. 1 item given to neighbour for her children

apple_muncher

Got myself an nsd and enjoyed the day. We had a laugh watching the Incredibles on telly.


Today I am grateful for knowing some lovely people, for seeing dd growing up, for my lovely helpful dh, for finding earrings for stepdds/dil, for planning the week ahead as it's just busy, for dd getting to try ice skating, for having leftovers for an easy tea, for a good book to read.

mothernerd

Okay written down the rules


Savings Think I need to go over my budget as don't know (without looking) how much my standing orders cuddently are. Need to have a definite amount for savings set for next year.


Budgets are set. No meal plan as such, just running down the freezer. Lunch was tuna and sweetcorn on wraps (last pack of the 10p ys ones) and evening meal was 2 tuna steaks (1 was tiny) with chips. Followed by bowls of raw chunky coleslaw. Will start a shopping list of things that have or about to run out and think about what I want to eat at Christmas (no treats before then, need to have healthy eating sorted).


15 NSDs Going for it. First today.


Treat yourself well - lots of rest but will make a list of other things. Will think about how I want to spend the month (in between appointments, looking after mum and fixtures in the calendar). Need more energy, has anyone got any spare.


Phone not a problem, it's used for telling the time and calling taxis mostly.


Own rule Smile a lot and enjoy random conversations with people at bus stops and benches.


Slow living Really need this but need to balance it with some productivity otherwise it causes more stress later.


Omm mental health, feel good activities, gratitudes. Will review my CBT sessions and write a few checklists (including warning signs).


Happy to miss out on sales - I only ever bought things like sheets and pryex/ pot cooking and serving dishes.


Be an optimist Always look on the Bright Side of Life


Candles after dark Yes, yes, yes.


In search of AWE and JOY and REINDEER (don't think they are coming here this year, will have to track them down.


Read fiction before bed. Told the counsellor I might need more than an hour before bed. He asked how long I would like to spend reading. Ideally 25 hours a day.


Exercise will try but currently limping along


Be childish - no problem


No guilt spending - token/ hm presents only.


Draining activities - going to try shopping. Will sort the online home deliveries and minimise the rest.


Visit the local area estate I have to come through when leaving mum's has already started (they all left their ordinary twinkly lights on through the summer but only became noticable as the dark came earlier). They go for the full on Griswold effect. Last year I did enjoy the people who had windows painted - lovely pikachu one and several others. I also like the lady who has decorated an outside tree with pompoms.


Exterminate - may try to stop sighing. Approach the washing up as a zen exercise.


Count your blessings - intend to give generously.



Today has been mainly resting, reading and dealing with washing. Despite all their complaints they have been sleeping in the new bed together all day - not a peep out of them. Beloved is a light sleeper and suspect the state of the old bed meant they ended in an uncomfortable heap in the middle so DS3 was using the spare in the front room.


It helped considerably with changing the clothes on the radiator that there was no-one (only grand chinchillas) in the front room. If it continues I could even sit in there and sew/ read. Blissful silence all day. Long may it continue.


Today I am grateful for peace aand quiet, having clean dry clothes to wear this week (several dodgy outfits last week), making slow progress, time to read and rest.

Maisie_M

[FONT=&quot]D[/FONT][FONT=&quot]ebt-free date / Mortgage-free date / Savings target date. Savings for Disneyland America 2021[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]O[/FONT][FONT=&quot]rganise your outgoings. – budgets all done for the month including xmas spending.[/FONT]

[FONT=&quot]C[/FONT][FONT=&quot]ount up to 15. 0/15[/FONT]

[FONT=&quot]“T[/FONT][FONT=&quot]here is no such thing as an ordinary human.” need to colour hair and also arrange to have eyebrows waxed. Also need some TLC on nails so they are festive ready.[/FONT]

[FONT=&quot]O[/FONT][FONT=&quot]ne thousand days. – pending sounds interesting[/FONT]

[FONT=&quot]R[/FONT][FONT=&quot]efrain – Day 1/1[/FONT]
[FONT=&quot]W[/FONT][FONT=&quot]hat kind of month do you want for yourself? – this links in with the above rule and one further down. Going to start doing more of the cross stitch I enjoy and reading.[/FONT]

[FONT=&quot]H[/FONT][FONT=&quot]ere’s a space to make up your own rule for the month. – spend as little as possible on Xmas[/FONT]
[FONT=&quot]O[/FONT][FONT=&quot]utings. – done[/FONT]

[FONT=&quot]S[/FONT][FONT=&quot]low living this month. – so far so good[/FONT]
[FONT=&quot]O[/FONT][FONT=&quot]mm. – ties in with reading, cross stitching and pacing myself this month Write down 4 gratitudes each day –today I am grateful for mum getting all the xmas shopping she wanted, for the kids being good for dad when we were out, for not overspending in the shops, [/FONT]

[FONT=&quot]N[/FONT][FONT=&quot]o entry to any sales. okay[/FONT]

[FONT=&quot]“I[/FONT][FONT=&quot] am and always will be the optimist. – I will try[/FONT]
[FONT=&quot]C[/FONT][FONT=&quot]andles – lit a lovely orange and cinnamon candle last night[/FONT]

[FONT=&quot]“S[/FONT][FONT=&quot]ome people live more in 20 years than others do in 80. – need to ponder this one[/FONT]

[FONT=&quot]C[/FONT][FONT=&quot]hase down more awe and joy. had a great girlie day out with mum [/FONT]

[FONT=&quot]R[/FONT][FONT=&quot]ead fiction before bed. still to start this[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]E[/FONT][FONT=&quot]xercise[/FONT][FONT=&quot]. Get 10,000 steps a day yep wandering round the shops[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]“W[/FONT][FONT=&quot]hat’s the point of being grown up if you can’t be childish sometimes.” yep will partake.[/FONT]

[FONT=&quot]“D[/FONT][FONT=&quot]on’t give up will try[/FONT]

[FONT=&quot]R[/FONT][FONT=&quot]efuse to get sucked into guilt spending. did well today already[/FONT]

[FONT=&quot]I[/FONT][FONT=&quot]dentify activities and people who drain you test of this will be tomorrow[/FONT]

[FONT=&quot]V[/FONT][FONT=&quot]isit your local area. will do[/FONT]
[FONT=&quot]E[/FONT][FONT=&quot]xterminate day 1/1[/FONT]
[FONT=&quot]R[/FONT][FONT=&quot]emember that you are blessed. got stuff for those less fortunate today[/FONT]