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NST: November 2019

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  • greent
    greent Posts: 10,775 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the Fayre sales, apple :T
    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
  • apple_muncher
    apple_muncher Posts: 15,241 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Thank you greent!


    Has your sister moved because of the stroke? Is she nearer you now? How's your nephew doing?
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • f0xh0les
    f0xh0les Posts: 7,621 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Today was cancelled due to lack of interest. NSD14
    Posted my spy post, received 12 free Xmas stamps.
    Found out one hot water bottle had decayed, sadly by it leaking all over my spine. Still, rather me than one of the kids. It was binned. Will pick up another one from W1lk0 tomorrow.
    I have a tingley throat - so much for me being lurgy-resistant! I spoke too soon. With any luck I will lose my voice. Always worth a giggle. They have eaten all the cough sweets and lozenges except the fishy ones. Will have to replace tomorrow.

    Gratitudes:
    dh cooked supper,

    we won the football,

    candles are epic, I really love candles. How can anyone say I am difficult to buy something for when a £2 pack of 10 taper candles rocks my world???? I am not difficult to buy for, I am cheap. Big difference, or possibly a pyromaniac, or maybe both. whatever.

    Tomorrow is another day......
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    For yesterday and today

    Budget - ynab updated with spends, food shop and a few Christmas presents.

    NSDs - still on 10/15.

    Lunch to work - On days off.

    Items removed - 44/60, used up a paprika dated from 2016, 3 towels to go to the charity shop, 2 packs of noodles that OH has decided he doesn't like anymore put in the food bank collection.

    Use up - 2 hand creams now used up, 2 to go.

    Outings - have been to the fireworks and met friends for coffee and cake.

    Daily fresh air - went a walk along the river today and the beach yesterday.

    Gratitudes - long weekend, walk with OH, ribs, hm onion rings and coleslaw for tea :D.

    New habits - to do an average of 10,000 steps each day so 300,000 over the course of the month, 192,819/300,000. Really need to up my steps if I'm going to make this target.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • sashanut
    sashanut Posts: 3,252 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Hi all:j

    Back from holidays a few days & finally getting a bit more settled...all animals 'still alive' as DD puts it. Grateful for : Easy food, heated duvet, still 4 weeks to go before family party..

    Had a good time whilst on hols, no visits to medical establishments at ALL... yes dolly it is a year now!! Had a good birthday although that was the one day that the weather was truly awful. In fact the birthday was extended as DH forgot to take away a present he bought, I also got gifts from DD & DF so it turned into more of a birthday week. Only a problem when getting on the scales...ha! Healthy eating is now the order of the day until the festive fare.

    NSDs only stand at 4/15 so far, may get one tomorrow but today bought some Cmas bits online. Not too much to buy as we got some gifts whilst away, and some will be HM, lucky people!

    New habit will be to plan, have a planner (!) and will now start filling it in.....as after this post.

    Not been posting but been reading along, hope everyone all OK.

    Popping in to say hi: Hello Turtles!
    New 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 :happyhear
  • dolly84 wrote: »
    I used to work in social care and used to visit people in their own homes and we had several that were infested with fleas but the homeowners insisted they weren't, it turns out that you do become immune to the bite so you don't get the itchy lump.
    I would really try the collars, they don't stop the cat getting fleas but the fleas die when they bite them which eventually stops the whole process and they work for about 6 months each, whereas the sprays only kill the fleas when you treat the cat.

    The thing that concerns me most is that I feel as though my house is dirty and that people will judge me. I am already judging myself. I will have a look into collars - I will need to wait a couple of weeks anyway because they all have spot on from the vets and you can't mix flea treatment without a 3 week gap - other problem is that I have a couple that will just refuse a collar - no matter how I put it on they will take it off immediately :rotfl: I remember when dd had nits years ago, it took me a month to properly get rid of them and I felt as though I'd failed her - kind of feel like that with the cats now :o
    Anyway - yesterday it didn't stop raining at all, so I didn't go out, so I racked up another nsd. I spent most of the day crocheting - I have a list of stuff in progress that I really, really need to get finished and whilst I'm fast time is ticking on. I did a couple of other bits as well - started looking at Black Friday offers to see if any of my remaining Christmas items are on there (they weren't so I bought nothing), 4 loads of washing including blankets and bedding (see above) and washed my kitchen floor which seemed unbelievably filthy for some reason. I also spent a bit of time looking at my budget (trying to magic something out of nothing) and reading recipe books, wondering if I dare try and make bread (I am a disaster with breadmaking).
    Today it's dry but miserable out there - I'm tutoring and visiting my mam. So should be nice
    .
  • borollan
    borollan Posts: 209 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    Grateful for 3 things - wide fitting boots, frozen berries, a mild day
    15 NSDS 88/15
    Remove 60 Items - 75/60
    Outings - 1/2
    Use up Toiletries and Condiments - yes
    Budget - yes, just about
    Pay to Debts/Savings first - yes
    Avoid Coffee Shops / vending -2/30
    Lunch to Work - retired but will be taking packed lunch on days out
    Tread lightly - robin quiet
    Donate - yes
    Reach out - yes
    New Habit/ Things to do - crochet, found some in the knitting cupboard at my group, so no spend
    Stop Buying **** We Don't Need :D
  • PheoniX
    PheoniX Posts: 247 Forumite
    Hi all :wave:

    Sorry for dropping off the radar! The weeks have flown by and we are already heading towards December! It's been a busy time, I've started a second job opportunity linked to what I currently do which I hope will help me side step into a different direction.

    I've also been looking at properties. The cost of buying a home is unbelievable nowadays and it really is a case of searching around to see what you can get for your money. I've been looking at leasehold types which isn't ideal but is around my budget and I'll need to keep looking.

    Spending has been pretty good on the whole. I've lost count of NSDs but each spend has been needed and accounted for. Ive done a bit of christmouse shoppin on top which is slowly coming together.

    Puss is great :D l bought him a new turtle toothbrush from Tesc the other day since he is in our gang lol :D Ive been thinking of getting him a little pal to play and get up to mischiefs with while I'm at work but I'll ponder more on that one.

    I'm orf to catch up with all your posts now - l think I dropped the ball at page 8!

    Laters :wave:
    :D Ninja Saving Turtle :D
    SFD 1 Food 0 Fuel 0 Fun 0 Misc 0
  • mothernerd
    mothernerd Posts: 4,858 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Debt-free and Proud!
    ccl a few words of comfort (and a laugh). When my boys badgered me into getting kittens, I said no kittens in beds. DS2 snook his kitten into bed under the covers and slept with his arms crossed across his chest to keep her there without me finding out. As a result he had flea bites on his chest and up both arms.


    Coincidently it was the week when they do injections and random health checks at the age they prepare to leave junior school - so I had to tell the nurse what had happened before she and the doctor looked at him (thought it would be better to be upfront rather than wait until they questioned what method of torture I'd been using on him).


    The boys had a kitten each (long story) and I had a half wild, gifted by a neighbour, cat (long story). I only got a collar on the half wild one once. She had to be rugby tackled using an old sheepskin coat (to stop her clawing the person, usually DS1, holding her) whilst I admisnistered any kind of treatment. I could treat all 4 (collars, pills, drops, herbal drops) and less than 2 days later one in particular was infested again (eventually found a mousse that massaged into her fur and she quite liked that).


    However the worst incident was when I was minding my mum's dog. I had treated all the cats, shampooed the front room carpet and was waiting for it to dry completely before respraying with the household spray. I had put the old child safety gate up but the dog sat behind the bars and whined and made it so obvious that he considered this to be cruel and unnatural treatment that I let him back in.


    A few days later the dog became unwell - Not obviously in pain but off his food etc. My mum's lodger called and as she always has several cats on the go, I asked her to look at him - the poor animal was infested with the fleas that had been denied access to the cats and had made hay in between applications of household spray to the carpet.


    I've just remembered that fleas don't like garlic so if you can add some powdered garlic to the cat's food (I don't remember how much they will tolerate) it might help. As you can see, we've all been in the desparate enough to try anything stage.


    If you really want to feel that you are dirty and have failed your children, try scabies (bedbugs). Man giving my husband a lift home thought his lodgings weren't very nice. The boys came out in spots. The doctor diagnosed german measles twice and I had to keep them off school before discovering the truth (whereupon the doctor pretended he had never suggested anything else as he prescribed cream that had to be applied all over twice).


    Luckily by then it was the Chris Moose holidays as I had to wash all the bedlinen in the house. I had four full washing lines and the washer dryer was in nearly constant use. The bugs had gone from the lift giver to my husband and then to my house.


    Remember things like lice love nice clean hair, it isn't a reflection on your housewifely skills. My mother once played with some children who took her to their house to see the 'baby rats' - they weren't pet ones. Another time an elderly minder took her to see two boys from her class. She told her mother how clean they were (not noted for it generally). The two boys had drowned in the canal. Our modern central heating (and overuse of bacterial cleaners) may make the battle against pests harder but don't believe the 'good old days' hype.
    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 mortgage
  • ditty1234
    ditty1234 Posts: 2,121 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Yes: To being very human making some bad and some good decisions.
    Budget: While this month has hammered and depleted my EF I have made it through the month, come in under budget after paying for a couple of extra things. So not proud, but mostly long term thinking.
    Debt: I have made payments, but mainly I have pulled through which seemed to be the main thing for this month.
    NSD: I'm not sure how many I had 6 or 7, I added 3 last week and will add 4 this week - as will not be spending again before Friday which is payday, so that will be close to 15.
    No coffee shops this week, except my son took me out for a coffee earlier in an independent cafe.
    Lunch: Going on a trip w students tomorrow to the big city - but will bring lunch and snacks, as only have about about £8.50 in account for the week.
    Remove 1/60 this is the one Ihave not managed at all.
    Use up ... I am currently stocking up and squirrelling away - but carefully use everything up at the same time.
    Went on one outing that was a bit pricy - so that is it.
    Fresh air - went for a run yesterday and a walk this morning.
    Donate will now have to wait till payday.
    Grateful for lovely children who are interesting and silly, grateful for mild grey weather, grateful to be going away for Christmas for a bit.
    Reach out - email ed the stum sister!
    Habits - am mostly being productive or social online. Have been carefull to be more clear and pay attention to detail - will do prep for work tomorrow in a bit.

    That was a bit of a boring catch up. Basically I feel boring and disorganised, with children who bicker when they finally see each other, today I only love my dog, am actually mostly grateful for a bit of quiet after boys have gone out, must put some music and coffee on.
    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
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