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NST June 2019 - Ninja powers
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Shrewbie - let us know how much of the Camino you get to walk in a week.
Oh dolly, that is so tough for dd. Hope the sch sort things out. Hugs.
Calling - how wonderful to get that windfall and know that you'll be mortgage free!NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!0 -
Today I am grateful for a quiet day, for being able to walk, for dh meeting up with me, for not getting too wet in the showers, for dd loving her swimming, for sewing up a penguin sock, for dh cooking tea, for dd talking about things that are bothering her.NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!0
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Evening all, here's my update:
Spent a big chunk of today helping a young man who lost his passport at our weekend event. Thanks to the power of Fb a lady who works at Mr T phoned to say that one was handed into the store on Saturday. The young man was 25 minutes drive away so I ran to Mr T and there it was! Rang the young man to collect it. He then turned up at the office and gave me a hug and a bottle of wineHe is going on holiday tomorrow - it was really nice to be able to help. I'm not a fan of Fb but sometimes it can be a power for good.
On the budget front - all meals from stores. Did some washing and it's drying on the rack. Cheque received from friend for some tickets I bought for us both. Have bought another birthday gift for DD1.
Gratitudes - managed to get out for a walk before the rain; free bottle of wine!; caught up on PT role over lunch.
Hope things get sorted at school dolly - how horrible for you and DD
Deni xxLBM - October 2018; finally debt free on 16 March 2021
2023 Mortgage Free Wannabee #92023 Mortgage free in March 23 !
Decluttering Campaign member 2023🏅🏅 🏅⭐️⭐️
Decluttering Campaign Member 2024 🏅🏅
Decluttering Campaign Member 20250 -
Hi all
Minimise: Minimised a book to CS & sold 2 items which have already been posted.
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. Keeping going with the clutter, a little every day. I WILL get this house cleared. More clearing done, hoping that the 'puddles' will eventually join into a lake..will do another bit after this post.
Spending: Need to budget for groceries. Starting with £300 including pet food. Have receipt ready to file, but about £35/300. Spending today as weekly shop but did have 2x£5 vouchers off..
Unnecessary spends Just ordered a cert for my FH research so technically not necessary. However, items ordered at the weekend arrived & as predicted will be going straight back..
Waste: No waste today - used up some freezer stock.
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 £££. Sold & posted 2 items.
Fruit and veg intake: Definitely need to increase F&V consumption, on this. 3 portions of fruit today but very little veg.
Getting niggly jobs done Painting inside & out, get builder to fit cowl on chimneys, get chimney swept, painting outside as well. All our jobs are niggly, but DH did get some outstanding ones done. Still need to see if the DW will work with the new hose he bought x weeks ago...will remind him yet again tomorrow.
Health: Lose approx. a stone & a half. Am trying with this, helps that DD is not here. Feel slimmer - does that count? Weigh in shows no loss - no gain either though!
Meal Planning: Need to meal plan as tend to go with the flow, and it doesn't always work out. Have plenty of food in but still need to plan. Still need to sort rest of week.
Moving more - Most exercise taken as gardening. Todays exercise was shift in CS.
Time with those you love: Nice to see friend & catch up.
NSD: still 9/15
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 -
Ah, sorry f0xh0les, I missed it was your birthday the other day. I hope you had a lovely day and no body would blame you if you scuppered a NSD treating yourself to something.
Yesterday was #9 of the month for me. Today could be, if I decide against a potential night out will colleagues tonight. Dinner + a movie. Which shouldn't be expensive on the face of things but they certainly can be, especially the movies these days.0 -
lauren - you are doing so well with the exercise I hope it pays off on the scales but don't be to despondent if it doesn't, take notice of how your clothes feel.
calling - yay to your pension, boo to the sneaky ways the goverment take our pennies.
deni - that was one lucky chap.
The Student Support Officer rang me yesterday, she was really concerned and had all the girls in individually yesterday, DD promises me she has told her the whole story so we will see how things go now.
Early finish at school today for the open evening and then two days off for inset days, I am working but DH is off with the kids, we were supposed to go away camping but I only work Thursday and Friday and don't have the days holiday spare.Debt Free and now a saver, conscious consumer, low waste lifestyler
Fashion on the Ration 28/660 -
apple_muncher wrote: »Shrewbie - let us know how much of the Camino you get to walk in a week.
I'm hoping to walk the last part which I believe is around 120km from Sarria in Lugo to Santiago de Compostela. I need to do some training though!! and wear in my new hiking shoes and socks.
In reality I have 7 days plus 2 days breathing room so the idea is I won't have to rush!Student loan £5655
House deposit €32,667K/€40k0 -
Minimise:
Bills 1) Swap my mobile phone provider 2) Reduce gas usage
Clutter 1) [STRIKE]Dining room unit [/STRIKE] 2) [STRIKE]Pink bedroom[/STRIKE] 3)[STRIKE]Dresser drawers ALL DONE[/STRIKE] OLOR]
Spending 1) Groceries budget £300/£32.20 over DH bought a sandwich yesterday to supplement his leftovers lunch
Unnecessary spends 1) Stick to our budget it's getting tough with 9 days before pay day2) [STRIKE]First monthly budget meeting planned with DH for 2nd June [/STRIKE]- DONE 3) Cut back to avoid using CC 1 item purchased but paid £60 off it yesterday
Waste 1) Minimise food waste ( I can't afford to waste anything this month) - Used up strawberries and grapes with yogurt for breakfast and half a tin of leftover beans for lunch, will turn some turkey mince into something for DH tonight as I am away
Maximise:
Dreams (dream big) 1) Debt free in 2 years, mortgage free in 10 Desperately trying to hang on to our small savings balance this month. Tough month as we were £650 short in income due to DH SSP and a big fuel bill from our holiday
Education 1) [STRIKE]Sales efficiency analysis [/STRIKE]DONE 2) Yoga 3) Clean eating diet and keeping it up to include batch cooking, motivation, tactics to avoid eating carp etc. meal planning is helping
Fruit and veg intake 5/day every day including at least 1 green veg everyday 47/150 portions Green Veg 9/30 rubbish lunch yesterday as no choice when travelling, home made curry helped with some fruit and veg portions
Getting niggly jobs done 1) [STRIKE]DS CTF/ISA[/STRIKE] DONE Finally!2) [STRIKE]Sort pink bedroom back to a bedroom instead of a dumping ground [/STRIKE] DONE3) [STRIKE]List freezer and re-organise contents [/STRIKE] DONE4) Paint porch interior 5) Paint utility, downstairs loo and spray paint cistern and replace loo seat. no funds for this and the cistern is cracked!
Health Lose another 7lb (ideally by 25th June but this will be tough) - Back to using MFP to log food eaten as it makes me more mindful of what goes in my mouth
Meal Planning - will post them and be accountable to keep me on track. working well this week with my rubbery chicken
Moving more - Exercise 3 times per week and walk dog everyday I am home - Exercise 5/12, Dog Walks 6/20
Time with those you love - [STRIKE]Phone D&S[/STRIKE], [STRIKE]phone S&J[/STRIKE], visit Mum planning first week in July on way too/from citybook meet up with J&C, [STRIKE]phone JP[/STRIKE] phone JL
NSD Aiming for 10 due to wanting flexibility of buying fresh food every couple of days 6/10Save £10,500 - £2673.77 - 25.5%
Pay off £7000 - £1743 - 19.4%
Make £2021 extra income - £99.750 -
Didn't manage a SFD today, decided to go to local cinema tonight. Cheap one £6 to see The Keeper wanted to see this for ages. Not as flash at big chain cinemas but cheaper.
Niggly job - bushes in front garden cut yesterday- Happy that one is out of the way as my hands aren't great and always ache after doing that.
Otherwise nothing else to report, need petrol but need to shop around - sneaked up in price.LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/220 -
Hi everyone
Been to one of my self employment roles today; ditto tomorrow and Friday. Had a full on meeting and now have 20+ pages of minutes to type up. Got lunch provided and going to eat dinner from stores so this is NSD#5/15!
It's payday tomorrow and i'm well in credit thanks to early payment of self emp invoice & limiting my spending. I shall pay off some of my CCs later (that doesn't count as spending I believe/hope?!)
I have put some washing on the line as it's a nice evening.
Gratitudes - smooth journey to work; free lunch and biscuits too; a dry evening so potentially a walk depending on how my work goes...
Hope everyone is well
Deni xxLBM - October 2018; finally debt free on 16 March 2021
2023 Mortgage Free Wannabee #92023 Mortgage free in March 23 !
Decluttering Campaign member 2023🏅🏅 🏅⭐️⭐️
Decluttering Campaign Member 2024 🏅🏅
Decluttering Campaign Member 20250
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