NST Join In January 2019 - In With The New

apple_muncher

Karmacat wrote: »

Spend free days (NSD’s)

I don't usually have a problem, but I'm buying the Sun every day for the caravan holiday tokens, so every day has *some* spend for quite a while.

Karma - could you not have 'special dispensation' for the sun tokens, if that is the only thing that you buy that day?

Karmacat

Thanks for that, apple I suppose it comes under planned expenditure, its true I'm not heavily counting NSDs as its just not something thats a problem for me. I *am* counting all expenditure except direct debits, though - all cash, all credit card amounts, and thats going to be interesting.

Kerry_Woman

apple muncher and laurenh1 - I do get support from my brother, sister and their families, this thread and a mh support organisation which is a blessing. Concentrating on self-care, being grateful and doing positives things in my life.
NSD today - 7/20.
Walked within school and to/from bus stop/school.
Wrote list what I need to get/do on Saturday. Also dealt with a couple of frogs.
Grateful for:
Easy dinner.
Getting through exam where children were not on their best behaviour.
Having an early night.
Getting home when still light.

craftingmad

Checking in to add my progress in for today. Not loads again but I'm slowly chipping away I hope

16 NSD's 7/16 - ANOTHER NO SPEND DAY TODAY

only have 1 takeaway or meal out - NO TAKEAWAY TONIGHT -HUBBY IS HOME FROM WORKING AWAY AND WE USUALLY ALWAYS GET A TAKEAWY BUT TONIGHT WE ARE HAVING TACOS WITH SALAD COOKED BY ME :j

Declutter dining room - STILL NO PROGRESS - must get my bottom into gear for this one

Book car MOT - DONE -COMPLETED YESTERDAY :T


Cancel unwanted subscriptions/downgrade memberships - TOTAL £7.44 saved per month after cancelling two DD's - NO NEW PROGRESSBUT HOPING TO COMPLETE ANOTHER COURSE IN THE MEMBERSHIP I WANT TO CANCEL TONIGHT


Haggle with sky - NO PROGRESS YET

pay £750 into savings account (hopefully left over from end of the month and pay in £250 christmas money gift) £0 paid in yet - got to try and remember the password for savings account - NO PROGRESS TODAY TRYING TO FIND ACCOUNT NUMBER OUT AS ALL ONLINE :mad:

Read every day before bedtime (hopefully both me and my kids) THINKING ITS GOING TO BE NETFLIX AGAIN TONIGHT!

Start donating a monthly sum to charity - DONE £5 a month to Air Ambulance :j

Start and keep a gratitude diary STARTED ONLINE GRATITUDE CHALLENGE - Today I am grateful for wonderful neighbours :T

Read this thread every day 8/31 - READ TODAY :j

Not buy any crafting supplies as I must use what I have 10/31 - STILL NO CRAFT SPENDING THIS YEAR :j

Exercise every day (10minute walk every day and at leas 30 minute gym or wii fit session each weekday) 6/31 - GOT ON THE WII FIT TODAY FOR 30 MINS :j

Make a fridge and freezer inventory DONE :j

Meal plan all month 26/31 - ANOTHER 5 DAYS MEALS WORKED OUT WITH VERY LITTLE NEEDEDFROM THE SHOP TO COMPLETE THEM :j

crazy_cat_lady

Evening all :hello:
Feeling much better today after an evening of relaxation and tv last night, but I am still incredibly tired.
We are already one third of the way through January. How is it all going for you? Progress on the thread seems amazing so far, and all of these little changes are adding up to a really big difference.
I personally am pleased that I have the beginnings of a small savings pot, that I am making my way slowly through my frog list, and that I am making use of things in the cupboards that have been there for months or even years. It hasn't felt like a lot of effort but it's really making a lot of an impact on my finances and my mood.
Today I am grateful for:
Using up a pot of porridge that was lurking in the cupboard
Having a warm blanket to snuggle under when it's cold like tonight
Still having a couple of quid in my purse by Thursday night :rotfl:

greent

NSDs - still 3

Make plans for the month – Operation clean and tidy still underway

Always pay your debts first yep

List your frogs – 11 completed.

Little savings Yep – have sto going out 1st monthly. 'Shrapnel' change and £2 coins used for holiday fund nothing today

Chill out – Whatever helps you to relax, make time for this – even if it’s only 15 minutes a day Planning on exercise, reading – and ironing! will relax to a tv prog before bed

Helping others – If you can, please consider donating to charity or to your local food bank. –

Always be grateful – Take time every day to think about and write down three things in life that you are grateful for. tracking down my son's lost PE kit (left on school bus before Xmas hols...), OH cooking dinner as a surprise and it being ready for when I walked through the door tonight, great service from kitchen co, free £5 to spend at Tesc0

New to You Nope

Get involved – Try and check in Yep

Exercise Have signed up to Red January (www.redtogether.co.uk)Would like to average 10k steps/ day over the month Took it easy today as back is sore. But 9K+ steps achieved

Sort it out – Your food cupboards and stores. NOW DONE!!!!

Spends (for my benefit to keep track)
* Food - 134.90(includes some things for students)
* Bdays/Xmas - 10.70
* House - 104.79 (includes bathroom scales, WM repair+ some things for students)
* Children - 1.85
* Grrrrrr - 35.00 - penalty notice received by OH
* Social - 78.45 (nand0s)
* Travel - 84.20 (parking + fuel)
* Barbers - 23.00 (DS1 + DS2)
* Clothing - 11.00 (DS1 PJs)

apple_muncher

Good luck with the running, ponypal.


Today I am grateful for easy travelling, for a lovely day at work, for dd enjoying her day, for dh having a little extra work, for getting a bag to the SA, for paying some coins into my bank (I love the noises the coin sorting machine makes!!!), for discussing some work costs /prices with dh, for am email from my sister, for my vibrams, for getting outside a fair amount.

cookie02

Spend free days (NSDs) – I’m aiming for 16. Currently on 7/16.


Make plans for the month – I had a meal planned for Saturday and then that is my last planned ‘going out’ spend until the last week of Jan. 

Always pay your debts first – No current debt. Trying to build up my emergency fund.

List your frogs – Made the list. I am adding frogs faster than I can cross them off.

Little savings – I am taking my own lunch and am avoiding buying coffee this month. For each day that I don’t spend, I’m transferring the money to my savings.

Chill out – I have started a new Crochet Along (CAL) and am also trying to meditate daily again. Meditated 3 days so far so this needs work. Crochet going well. 


Helping others – I add extra items to my shop specifically as donations for our local food bank.

Always be grateful – I write in my journal. Doing this daily.

New to You - I am recycling old yarn for the CAL I’m doing, instead of buying new yarn. I’m determined to resist buying, even though the yarn pack looks so pretty! (It’s the CAL from attic 24, if anyone’s interested / also doing it).

Get involved – I will try and post more . Hello :j

Exercise – I signed up for RED January (for Mind). So far, I have managed a walk each day. Yesterday’s was only 10mins though so I’m going to try and make up for that in the week. Still walking daily. 


Sort it out – working on this one. I am a classic 'might need it someday' person so this one is tough for me.

364ab

Reading everyone's progress is so motivational!

NSD 5/10

Frogs 14/31 (some pretty big ones to do this weekend including finishing the kitchen cupboard audit and meal planning, and cleaning the oven :eek: )

Tonight I am grateful for
Spending time out with friends last night (planned in budgets)
Quick and easy tea of soup and toasties
Getting a refund from a closed credit card balance (one of my frogs was phoning them up yesterday)

Its Friday tomorrow... woohoo! Happy weekend peeps :j

misstara

Spend free days (NSD’s) – I'm going to aim for 20 as money is going to be pretty tight this month - nothing spent today so 7/20.

Make plans for the month – I've got a couple of things planned for this month but will make sure that they are as low budget as possible - next is a day out on Saturday, away to Stirling for a run. Will go for a pub lunch after run.

Always pay your debts first – Budget is done for January and debt payment has been made - nothing added today.

List your frogs – Made a start on this and will add to the list as I think of more - nothing done today.

Little savings – I've added a whole £2.50 to my emergency fund taking it to £9.50 :rotfl:, will continue to add as I can - nothing added today.

Chill out – Will aim to read a bit every day. I've also got a few adult colouring books which have been sitting there for ages so will aim to do some colouring in too - nothing today.

Helping others – I've set up a charity donation which will come out at the start of the month. I'll also add items to the food bank whenever I'm in the supermarket - nothing today.

Always be grateful – Will post 3 gratitudes each day. - feeling better, a lovely run this morning, good shift at work

New to You – Me and OH are planning to do a huge sort though of all our stuff, there's still unopened boxes from when we moved in, who knows what treasures we might find - nothing done today.

Get involved – I always struggle with daily posting but will try this month - I'm here

Exercise – I really need to get back into exercising regularly. Now have new running shoes so no excuses! - Short run this morning to try out new trainers.

Sort it out – I don't really have anything in the cupboards lurking that doesn't get used except spices but will aim to use up some of them - nothing used.