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NST Join In January 2019 - In With The New
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NSDs Aiming for 10 : two more NSDs so 4 / 10. Some spendy days last week I still made lunch and didn’t spend anything I didn’t plan to which is huge progress for me as I normally just give up.
List your frogs –I tackled 19 of 31 remaining frogs over the weekend and finished two more off last night - at least 23 frogs now gone from my life.
Chill out – Have a cold a bit unchilled yesterday.
Helping others – Dropped two bags to the CS bag.
Always be grateful – Grateful for:
House of Cards (UK one) free on iplayer - had forgotten how great Ian Richardson is. Tea. The lovely people in my local charity shop.
Exercise Dropped back due to sniffles. Gym last Friday was great
Sort it out – Lists written and feeling more organised than usual due to all the frogs and tackling things head on - thank you turtles!
Small savings TT daily - total so far £10.78 in my £1k emergency fund from this.0 -
I think the internet ate my post.
Yesterday was NSD 10/17 for me.
And I just turned down a chocolate chip shortbread which will save my NSD for today too!!0 -
Today I am grateful for the shower attachment on the bath taps, lovely hot water easing my shoulder, ankle being stronger and more movement in my shoulderMy mission in life is not only to survive,but to thrive and to do so with some Passion, some Compassion, some Humour and some Style.NST SEP No 1 No Debt No mortgage0
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Hello Turtles,
NSDs- today is number 12/20.
Frogs- I havd added my sewing to my list for tonight but I'm on my own with the kids so let's see if they play ball :rotfl:
Chill out- as above, I'm hoping for a chance to but if I don't I've only 3 more days til hub is back & then its the weekend too so I'll get to chill out then.
Helping others- giving my colleague a lift home.
Gratitudes- for a much better nights sleep, for my expenses being paid & hubs pay slip going up so I can budget accordingly and for my LO being dry all night
Excersize- need to do more of this but need hubby home
Sort it out- leftovers for tea
Small savings- put 20p in my little ones 2p saving jar.
I have £63 in the fund until next Friday so I need to be careful but it isn't a disaster. I shouldn't need to shop until this Friday/ Saturday.:cool:0 -
Spend free days (NSD’s) – 8/10
Make plans for the month – If i feel well enough I'd like to go to the cinema this weekend (I have a cineworld card)
Always pay your debts first – £9.98 paid towards my MBNA card today
Little savings – £1.01 found in the inside pocket of my bag so have put this in my piggybank.
Chill out – Read a chapter of my book yesterday on my kindle. Still ill so have been doing a lot of chilling out in my bed. Hoping to go back to work tomorrow.
Always be grateful –
1. Cough medicine and lemsip
2. The TV show Scrubs
3. My work expenses being reimbursed today.[STRIKE]£799 - FD Personal Loan[/STRIKE] :beer:[STRIKE]£500/ £500 FD Overdraft[/STRIKE] :beer: [STRIKE]£5700/£5700 MBNA credit card[/STRIKE]:beer:0 -
Go you, Speky, turning down sugar!!NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!0
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Have worked today so it's a NSD, tea is chana masala which I made Sunday to save the after work rush to make tea. We survived the cous cous yesterday, it would have been fine if I had remembered that you are supposed to cook the giant one and not just soak it which I did.
Made the phone call I was putting off, I thought that making it would lead to a further problem but I knew the inital problem had to be dealt with soon, anyway there is no second problem just a visit to the building society to finalise it all.Debt Free and now a saver, conscious consumer, low waste lifestyler
Fashion on the Ration 28/660 -
Everybody is doing so well
I've been naughty and not added my progress for the last five days so catching up now to add in the few things I have managed to achieve
16 NSD's 11/16 - 4 MORE DAYS ADDED SINCE LAST REPORT (SADLY NOT ONE TODAY AS DESPERATELY NEEDED TO GET SOME FOOD SHOPPING DONE)
only have 1 takeaway or meal out - STILL NO TAKEAWAY YET AND IM VERY PROUD AS HUBBY HASBEEN HOME AND WE USUALLY ALWAYS HAVE ONE WHILST HE'S BACK
Declutter dining room - STILL NO PROGRESS - must get my bottom into gear for this one :mad:
Book car MOT - DONE -COMPLETED YESTERDAY :j:j:j
Cancel unwanted subscriptions/downgrade memberships - TOTAL £7.44 saved per month after cancelling two DD's - NO NEW CANCELATIONS BUT WORKING HARD TO WATCH ALL THE LESSONS IN MY MEMBERSHIP I WILL CANCEL VERY SOON
Haggle with sky - NO PROGRESS YET :mad:
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 - MANAGED TO FIND ACCOUNT NUMBER AND REQUEST NEW LOGIN SO HOPEFULLY WILL BE ABLE TO ADD SOME SAVINGS VERY SOON
Read every day before bedtime (hopefully both me and my kids) -this is not going well - the Netflix novelty is not wearing off :mad:
Start donating a monthly sum to charity - DONE £5 a month to Air Ambulance :j:j:j
Start and keep a gratitude diary STARTED ONLINE GRATITUDE CHALLENGE - Today I am grateful for my fluffy socks and slippers
Read this thread every day 12/31 - I MIGHT HAVE MISSED A FEW DAYSBUT IM ALL CAUGHT UP NOW
Not buy any crafting supplies as I must use what I have 15/31 - STILL NO CRAFT SPENDING THIS YEAR - I'M SUPER PROUD OF MYSELF :T
Exercise every day (10minute walk every day and at leas 30 minute gym or wii fit session each weekday) 10/31 - BEEN STRUGGLING WITH A CHEST INFECTION SO MUST GET BACK INTO THE SWING OF IT TOMORROW! :mad:
Make a fridge and freezer inventory DONE :j:j:j
Meal plan all month 31/31 - WHOLE MONTH NOW MEAL PLANNED :j:j:jMortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.020 -
NSDs - 4
Make plans for the month – Hair and brows - done :T
Always pay your debts first yep
List your frogs – 21 completed.
Little savings 'Shrapnel' change and £2 coins used for holiday fund- nothing today
Chill out – even if it’s only 15 minutes a day Ironed earlier. Will watch Silent Witness later
Helping others –– Gave sister something for my nephew and also passed on something to her from DD for sis's niece. Donated 2 pairs of outgrown school trousers to school for 2nd hand clothes rail - 4 more things gone:T
Always be grateful write down three things you are grateful for. fab catch up with sis, going into brow place to book appt and owner saying she could fit me in right then if I wanted (so I did), good chat with my mum, coffee & walnut cake, the frog part of this month's challenge - it's making me get things done! :T
New to You Have a bag of clothes from my mum to go through - looks like I'll keep a couple of items for me. A handful of the rest are good names and I'll list on t'bay (mum knows - and said the money can go to my kids - she's not interested in getting the money herself) the rest I'll then pass on to CS. Oooh - and my mum donated me 2 bags of HG tomatoes from her freezer - so I'll make some soup with those :T
Get involved –check in Yep
Exercise Would like to average 10k steps/ day over the month Spent far too long sat on my b*m chatting to sis this morning and then to my mum later on!
Sort it out – food cupboards and stores. NOW DONE!!!! Still eating the stores
Spends (for my benefit to keep track)
* Food - 167.13 (includes some things for students) + Tesc0 15/1
* Bdays/Xmas - 10.70
* House - 108.33 (includes bathroom scales, WM repair+ some things for students)
* Children - 18.25 (inc new calc for DS2 + Chimp book for DS3)
* Grrrrrr - 35.00 - penalty notice received by OH
* Social - 78.45 (nand0s)
* Travel - 84.20 (parking + fuel)
* Self-care - 55.00 (barbers DS1 + DS2, my hair, my eyebrows)
* Clothing - 11.00 (DS1 PJs)I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £200 -
NSD today - 11/20.
Did walking within school.
Did a couple of frogs.
Still bringing my own lunch into work each day.
Grateful for:
Good night sleep.
Nice chat with one of the temps at work. We are going to keep in contact after this week.
Only a small amount of self care.
Booked onto a free mh awareness 2 hour course which is on Saturday. It is a local branch of a well known mh charity.Frugal Living Challenge 2025 Mortgage free as of 1st August 20130
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