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NST: November 2019

1323335373861

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  • greent
    greent Posts: 10,784 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks, apple :)

    I'm liking the sound of unicorns with Cmas hats...... :D:D
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • Grateful for 3 things - a good nights sleep, a dry day, laughter
    15 NSDS 5/15
    Remove 60 Items - 68/60 proud of myself for lobbing the old Ugg boots out, my sciatica will thank me
    Outings - not yet
    Use up Toiletries and Condiments - yes
    Budget - yes
    Pay to Debts/Savings first - yes
    Avoid Coffee Shops / vending - 13/30
    Lunch to Work - retired but will be taking packed lunch on days out
    Tread lightly - not only is robin back but he has a lady friend
    Donate - yes
    Reach out - sent a joke to new DIL
    New Habit/ Things to do - crochet
    Stop Buying **** We Don't Need :D
  • ditty1234
    ditty1234 Posts: 2,122 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    edited 13 November 2019 at 10:42PM
    Adding one more NSD day, a club run along river bank in the dark with kayaks and rowers on the water, love it. 5M done.
    Thankful for dark water without crocodiles, being able to shout out while running - for the first time, and for a home day to myself.
    Did decluttered 1 book, (1:60) started to refurbish an album style book, painted cover, but I still don't like it. Might just have to start from scratch. But have made 4 pages for album, and one odd drawing.

    Habits - did a fair bit of slacking and swiping today. Will take down 2 SM posts I added as not carefully considered.
    Isa help to buy: 1000/3000 33%
    Emergency fund: 100/1000 10%
    Weight loose 8.6 kg - while having fun. 0/8.6 0%
    Focus debt to clear HSBC £10/1111, 0% updated May 25
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Budget - ynab updated with spends - food shop, petrol and lunch out :o

    NSDs - still on 6/15.

    Lunch to work - day off today, soup taken out of the freezer for tomorrow.

    Items removed - 27/60, nothing today.

    Use up - 1 hand cream now used up, 3 to go.

    Outings - have been to the fireworks and met friends for coffee and cake. Unplanned lunch out today with OH, was lovely.

    Daily fresh air - Beautiful (but very cold) day here so we went a walk down the old railway line.

    Gratitudes - lovely walk, quality time spent with OH, chat with my sister.

    New habits - to do an average of 10,000 steps each day so 300,000 over the course of the month, 120,453/300,000.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • dolly84
    dolly84 Posts: 5,851 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    greent - well done on your job.


    ditty - well done with the running, I know how hard it is.


    apple - your neighbour is lucky to have you. Is this the one with the noisy/nosy child?
    Debt Free and now a saver, conscious consumer, low waste lifestyler


    Fashion on the Ration 28/66
  • #20 checking in

    Budget - Today is payday and I've sent the money where it needs to go. Hubby is off to Ireland tomorrow morning so I've sent his spends over to his account....left myself with enough to do the food shop, pay the bills, put petrol in the car and a contingency tenner! lol

    NSDs - 6/15. still....just can't seem to get past 6 lol

    Lunch to work - Sausage rolls for the kids, hubby buying his out as normal for a thursday.

    Items removed - 13/60 - Nothing added again despite doing some serious sorting out recently. I've filled my wheelie bin twice over with rubbish but no items which is disappointing. Hoping that the next few days will bring some more stuff (plus my ebay auctions will finish soon. I have also put a filing cabinet up for sale on FB which I hope will go quickly.

    Outings - 1/2 - next one planned for the 17/11.

    Daily fresh air - Bus drop off and went out and read the meter which is always an ordeal....so many spiders!

    Charity - sent the boys in with 50p each for the bake sale at the junior school. Tomorrow is CIN so it's non-uniform all round and £1 each going in the collection, plus another 50p for baking probably lol - Total will be £5 sent in in donations.

    Gratitudes - Social media making selling unwanted stuff a bit easier, hubby's payday (he really does work hard) and the shoes I ordered online for eldest fitting properly with no issues - thank goodness!

    New habits - rouitnes all done for 13 days in a row! I think that might be a record! :eek: Today I'm planning on tackling the kitchen. It's the last room on my list to be done and is currently home to all of the rubbish/clutter that has been removed from the rest of the house. Some of it will be going up into the loft, but hopefully some of it will be leaving the house!!!! :j
    Changing my Family's Future!! - Starting again!!!!
    Current Progress -
    Debt - Start date 14/4/25 = £14,880.45
    Savings Goal = £1000 EF - £0/£1000 = 0%
  • Calling14
    Calling14 Posts: 3,498 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Quick check in from me.



    NSD 9/15


    Today off wotk this afternoon so going to use my double up nectar vouchers in sainsbobs. Have a survey voucher as well so minimum spend?



    Haven't slept well, a few things playing on my mind, mixed with backache and a lovely cold starting. Had a row with dd in NZ over the dreaded xmas day. Expects me to pop into her dads for lunch, when he hasn't spoke to me in 11 years, so thats nor happening. Will see her and her bf for brunch in mine with other dd and grandkids. Xmas is always complicated affair.


    Reach out went visiting some old folk ( in their 80s) last night think thats why I am coughing my head off today. They were happy of a visit in this weather not been out much,


    Outings tonight local theatre production. Allo allo!


    Exercise Will try harder with some walking later, only seem to manage 8K a day lately.


    Grateful for
    Toast/ jam snack in work (free) keep me going on my shopping trip.
    Warm drinks
    Fairy lights ( not put decorations up but have them in my kitchen under wall cupboards looks cosy. Only way I can compete with Nigella, looks wise.


    Have a lovely day turtles, stay warm ;)
    LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
  • greent
    greent Posts: 10,784 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Early post today :)

    15 NSD 5 ,

    Avoid every chain coffee shop etc. Support local shops and traders.- nothing today.

    Remove 60 items from your house - 4 items so far today 218/60

    Use up your toiletries and household cleaners before buying any more. - yep Sains and Icyland shopping today - no toiletries or cleaning products purchased at either :D

    Go on 2 outings - 1 done so far 1 possibly planned for Sunday afternoon

    Donate £5 or time to charity - lots of 'things' donated to various places. Money donated to poppy appeal & Gloucester Cathedral. Have some things ready to send with DS2 to school for food bank as they are running a collection at the end of this month Also donating to C-I-N tomorrow via DS3's sch

    Come on here every day and post 3 things you are grateful for. - central heating, fluffy socks, slippers, cups of tea (there's a theme here!)

    Start 1 or 2 new habits this month, ones that are simple and will make you feel better - fewer cups of tea and min 4 f&v per day - 3 x tea so far... and 4 portions of veg for lunch, so I *should* be ok - . .
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • So wednesday was most certainly a spending day- a large food shop, but freezer, fridge and cupboards full so will only need a fresh things shop next week. Figured as I was spending anyway I would do some online ordering of presents for "C", and found the downside of NSDs! I had out some bits in an online basket last week but didn't order as it would have been my only spend, forgot to login the following day to order them and discovered yesterday the price has jumped by about 30%! Will have to search a few more stores to try and find it closer to the original price (it's a toy for DD, was happy with the lower price but struggle to see it as VFM at the higher cost). Oh well, live and learn, I'll try not to make that mistake again.
    Today should be NSD 9/15, I'm going to count it now and that will hopefully keep it that way.
    Lovely morning horse riding yesterday, rain stayed off and it was a beautiful crisp day, all change today and the rains back.
    Managed 2 more items in the box to leave the house so 34/60.
    Unicorns in Christmas hats sound fab!
  • Pay to your debt or savings first
    Paid off one of my credit cards this morning, 8 debts down, 2 to go.

    Take your lunch to work every single working day
    Get treated to lunch on Thursdays

    Come on here every day and post three things you are grateful for

    My nan, coffee and that I remembered to put the bin out this morning

    Reach out to help other people

    Catching up with two friends over dinner tonight

    Start 1 or 2 new habits this month
    Making protein smoothies full of fruit and spinach for breakfast rather than junk food breakfasts (still going strong with this)

    Still on 5/15 NSD's, should get number 6 tomorrow if I can exercise some self-restraint!
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