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NST June 2019 - Ninja powers
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Hi Ninjas!
I was very naughty at the weekend and spent a lot of (unbudgeted) money. The rationale (excuse) being that some of my friends are leaving Madrid in 3 weeks' time and I want to spend as much time as possible with them. However i know that doesn't have to include spending money.... over the summer should be quiet to make up for it at least.
anyway no NSDs over the weekend and no exercise! This weekend will probably be spendy too as going to a festival but at least that's budgeted for.Student loan £5655
House deposit €32,667K/€40k0 -
NSD today - 8/20.
Had to phone surgery regarding appointment on Wednesday. I can check appointments and my records etc on line. An extra appointment was booked along side my already booked appointment. I was not informed. Admin did talk to gp who explained a tiny bit to her. Still concerned as it could be a number of things why blood test is abnormal.
Grateful for:
Went for walk, despite the rain.
Good night sleep.
Book to read.Frugal Living Challenge 2025 Mortgage free as of 1st August 20130 -
Slept better, woke refreshed, phoned for a taxi from the town centre after doing mum's shopping, ate a mixture of ys bits, stuff from the freezer (defrosted a pack of scones that were put in there prior to our last break) and bits added to mum's shopping (she owes me) including a pack of ys salami for 25p - ate some and going to use the rest in crustless quiches, not spent any of my money.
Mum gave me a new shopping list (church fair in 2 weeks) as she has eaten nearly all the fruit I bought her. Just ordered it online and having it delivered to her house tomorrow. Did some exercises on mum's bed (stuff that would 'normally' be done on the floor.
Today i am grateful for dodging the rain, getting most of what mum wanted (will have to go on a hunt for trifle cases or persuade her not to do them - perhaps we could use the stainless steel sundae dishes in the cupboard, if they didn't come back it would be a bonus), always having a book to read means I don't care if I have to wait for taxis (buses or appointments).My 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 -
Hi all:j
Minimise:
Bills Looking to get some secondary DG on our old windows to help with heating this place. This will be a long-term project IMHO. To that end:
Clutter: Lots to clear before even survey to do windows could be organised. Cleared some more stuff, this time upstairs. Also got rid of another bag of paper rubbish, I swear it breeds. More sorting upstairs today & more stuff into the garden waste bin. On wards & upwards. Not much clearance today, but did use up some fridge bits & other stuff to make soup for lunch & spag sauce for supper. Cleared out fridge today & ate food we had in/leftovers for both meals. Grey bins out both full of carp. DH says going to tip this week. 10 sacks from cellar taken to dump today by DH , now have a bag of rags to smuggle into 'my' CS tomorrow.
Spending: Need to budget for groceries. Starting with £300 including pet food. Have receipt ready to file, but about £35/300. Only spending today was on a course for the end of June, which got rid of my NSD. No spending today couldn't book ferry as discount we have requires booking in euros on .ie site & not enough euros in account atm, need to transfer. Transferred euros & booked ferry & t.lodge accommodation.
Unnecessary spends Proud of myself today, as I saw a handbag I 'wanted' on a FB selling page, & immediately stated my interest. Then had second thoughts, it was nice, I did like it, it was being sold for a reasonable price, I have the money - but I have the same bag in other colours!! And lots of other bags too. Messaged seller to retract, no problem as she had a queue of people interested. DH however unimpressed with my restraint. Spent on course which technically was not necessary but is a cookery course cooking food from my heritage, so should be fun. Just spending on holiday booking for later on.
Waste: Ate leftover sandwiches for lunch - 5 days running now, did waste some pineapple that had gone bad. Thank goodness have no more blinking sandwiches left. Some fridge bits (of DDs) into dogs which I don't consider a waste. A bit of waste clearing out fridge but again mainly to pets. Realise need to clear it out more, especially before shopping so I can see what needs using up. No waste today as used up some eggs & a tin of spuds to make a tortilla for lunch, then used up some mince for supper.
Maximise:
Dreams (dream big): Would like to fit the DG as mentioned earlier, also need the driveway doing but would be a very large amount of cash as it's so big....Clearing the clutter will help enormously with this, both financially & in the long term. Outside painting needed now, will be a big job & need scaffolding. This again will be £££. Did find a few items for selling, ready for photographs. Added to pile of For Sale Items but bad weather meant I couldn't photograph as yet. No progress but found some other items to sell. Have funds building up in my b/a to pay for next trip. Will be transferring funds into euro account to pay for trips. Will be going away 3 weeks in August. Will pay back once my next payment is in account, should be in a few days.
Education
Fruit and veg intake: Definitely need to increase F&V consumption, on this. Fruit with breakfast & some fruit this afternoon. Need more fruit & no veg eaten today. Fruit with breakfast & lots of veg consumed in the form of soup for lunch & incorporated into spag bol sauce. Not brilliant but fruit with breakfast, veg-rich soup & bolognaise with lots of veg. Bit of fruit with breakfast porridge & some veg in dirty rice for supper.
Getting niggly jobs done Painting inside & out, get builder to fit cowl on chimneys, get chimney swept, painting outside as well. No progress as yet. Too busy clearing/cleaning in prep for all the visitors. No progress yet. DH fitted new toilet seat yesterday, thankfully before visitors arrived as the seat was cracked, luckily he got it fitted as initially he said it didn't fit. Bravo HB! (& DH of course). Outside weeding the rockery this morning before the rain struck. Still struggling with little sleep, dogs restless & woke me every hour from 3.30 am..ugh. Does answering emails count as a niggly job - it does to me! Well in that case answered a few. Need to do more, after this post will do the 3 I need to send. Sent 2 emails, one more to go.
Health: Lose approx. a stone & a half. Probs no progress. See cake making & eating above. Same old same old. More visitors, another cake. Damn them all. Better diet today but ate a few sugary things due to feeling unwell. Still eating a bit of sweet stuff as head still bad. Hopefully some sleep tonight & better tomorrow. Hmm no comment. Made more cake - in the nature of an experiment as I can only make one sort with any consistency. This one voted a hit but not quite right yet, needs a bit of tweaking. DH very happy though. All cake sent to feed ES night shift workers so not tempted. DH not best pleased as chocolate cake was involved. Weigh in tomorrow morning, not expecting to have lost anything.
Meal Planning: Need to meal plan as tend to go with the flow, and it doesn't always work out. Plan for next few days so far. Tomorrow this is happening choose what. Sort of, I do know what's for the next few days. Felt too poorly to clear out fridges though. Supper was just poached eggs on toast, all I could manage to cook today. Always feel this is not a proper meal. Back to meal prep in earnest & managed to make both lunch & supper from stores. Will do a meal plan before shopping on Tuesday. Still doing well from stores but will shop tomorrow for usual stuff.
Moving more - More exercise taken as gardening. Todays exercise was cleaning AND gardening. Only exercise cleaning in the last 2 days. Note to self, do not have visitors round when you have 3 very large hairy dogs (and a cat) and it has been raining. Out in garden this morning, was very warm although that could be to do with me pulling weeds out of one of the many rockeries. More weed pulling but this time not sunny so easier. Short time outside today bit of weeding & more time in greenhouse potting on. Bit of gardening but weather pretty bad later on this afternoon. More weeding of rockery, as this house has actually got rockeries on 2 sides, plus one in the actual garden this could be a recurring theme.
Time with those you love: Visit of uncle & aunt today, great to see them & did get to discuss a bit of FH with uncle, so a bit useful as well. Visit of BF yesterday, visit of other BF & guest today. Was a hoot - and they gave me a gift card!! And an orchid, how kind. Wish all visitors would pay for their visits LOL. They also said 1. Your hair looks nice (!) and 2. Have you lost weight (absolutely not). They can come again, soon. Time with DH today until I gave up & had a nap for an hour. Then DD came after her shift & after a meal out with her team. Emailed friend in US that I haven't been in touch with for a while. Lunch again with DD & DH today.
NSD: still 6/15
Check in every day Here I am, hello folksNew start JAN15 - NOT BUYING IT 2015 :eek:. Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE :happyhear0 -
Good morning.
Yesterday was a spend day after all. Spend £24 on Groupon for a £200 online Horticulture course. I've been looking to learn sth new or increase my knowledge on sth and the free book keeping starter course I tried doesn't rock my boat. Feels more like I should be doing it rather wanting to do. I keep chipping away at the language apps though. I love my garden although I don't have enough time just now. Got a few good gardening, self sufficiency books but need to freshen up the basics. People have been complaining that this course is basic and not recognised but that's all I need. Hopefully then I can read my garden books and actually understand them, lol
Today I'll go for a run and maybe do an hour in the garden after work.
Yesterday was a weird day. Was in bed by 8 with the kids. Done the essentials but then just couldn't make myself do anymore. Couldn't even be bothered to watch telly or read. Here's to a new day......
Hope you all have a good one.DEBT 02/25: total £6100 Debt free date 12/250 -
Good morning Turtles,
Just checking in.
Minimise-
Waste - yesterday I sorted through my bathroom cupboard while the kids were in the bath & dug out all the odd bits of leftover moisturizer & samples of shampoo & bits that have been there for ages. I will aim to get them used. I also found 2 full bottles of conditioner & a brand new razor :j
Unnecessary spends- nothing yesterday other than YS kids vitamins, we buy these anyway & I usually get 3 packs for 9.99 but they've changed the packaging & reduced all the old ones to 1.13 a pack, still on 3 for 2, paid for 3 using my points card but then had to buy the last one as I didnt have enough points to pay for them all. Still 4 packets for £1.13 is a bargain & I'm really chuffed . Today is another NSD so on 7 now.
Screen time- I need to work on this , after this my phone is going in my bag until lunch.
Maximise-
Time with kids- I have an ear infection that's giving me vertigo & I fear it made me pretty grumpy with the boys yesterday as I just couldn't think straight but I did read about 7 books to them.
Niggly jobs- see bathroom cupboard above. Also, I put any books I haven't read with the kids on a separate shelf as they have about 100 books but we read the same 2 so we will try & pick those young forwards.
Fruit & veg- home made butternut squash soup for lunches this week.
Exercise- didnt bother last night but back on the bike tonight.
:money:0 -
No NSD yesterday as I bought office milk (again), medicine and train tickets. Can't think of any other things I need to buy, so I hope I'll manage to get a few NSD's this week.
Will pop back in with a much more detailed post later.
Have a good day everyone0 -
Still on NSD1 on day 11.
Little spends though, less than £2 most days, so not a massive amount and most of it is ys and gone to live in the fridge.
It rained all day Saturday, all day Monday, all day today, the forecast tomorrow is wet all day, and Thursday too. I am tempted to build an ark, but am afraid it might blow away. And it is cold!
Apart from that, all is good.4/10/22One Year Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******0 -
F0xh0les are you not exempt from YS buys0
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Most of it is y/s but there is always the one thing that I actually needed.
One day it was a 49p packet of peanuts for my stirfry, one day it was a 70p pot of hummus, another day it was a 50p loaf. So although I am coming in well below budget for my groceries (probably because of the y/s), I am doing really badly with the NSDs.
PS It is still raining and I have a hot water bottle up the back of my jumper. English summertime.
4/10/22One Year Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******0
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