NST: November 2019

edited 30 November -1 at 1:00AM in Debt-free Wannabe Challenges
603 replies 27K views
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  • BuffythedebtslayerBuffythedebtslayer Forumite
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    Hello People,

    I keep a vague on this thread because I was always really inspired by the founder, Kat? I just wondered if anyone knew what happened to her?

    Thanks

    Buffy XX
    Nevertheless she persisted.
  • delta13delta13 Forumite
    316 Posts
    Fourth Anniversary 100 Posts Name Dropper
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    #25 signing in!

    Grateful for:
    Good friends - I hosted brunch for one of my friends today, really cheap, tasty veggie breakfast and he supplied the eggs. so no money spent either.
    Supportive OH - felt a bit unwell last night and he took care of me
    A roof over my head - absolutely horrible wet weather today, feel truly lucky that I live in a decent flat

    Things I've done:
    Charity - Signed up to donate money to british red cross each month, only a small amount of £4 but I know I can definitely afford that ongoing, so have made the commitment.
    I volunteered for Trussell Trust last month, so I've been in contact with them to see what I can do this month too.
    Save £12k in 2021 #76 = £8957.12/ £10,000 (89%)
    3-6 month Emergency Fund Challenge #42 = £542/ £5000 (10%)
    SPC14 #41

  • apple_muncherapple_muncher Forumite
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    Hello People,

    I keep a vague on this thread because I was always really inspired by the founder, Kat? I just wondered if anyone knew what happened to her?

    Thanks

    Buffy XX


    Hi Buffy,
    I know that she pops up now and again but is very elusive! Last I know she was home with mumsy, but that was yonks ago.
    NST sept; NSD 19; Ex 11

    Mortgage £300 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate: very soonish
  • apple_muncherapple_muncher Forumite
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    Welcome back Karma - you are numbered! Your trip sounds like it went very well indeed.
    NST sept; NSD 19; Ex 11

    Mortgage £300 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate: very soonish
  • KarmacatKarmacat Forumite
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    Welcome back Karma - you are numbered!
    No 30! Excellent :) I like that.
    Your trip sounds like it went very well indeed.
    It did, apple, thanks - updating my computer has gone less well today, but thats par for the course :D
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    Not counting this! 2020
    Garden fencing completed, woohoo 2021.......... Bunny hugger
    October 2021: aiming for £5,000 new money for premium bonds or a car.
  • Toni'sfriendToni'sfriend Forumite
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    NSD No 2

    Thank you for your good wishes re my Sister in Law. We've a long way to go and nothing is certain but it's so much more positive than a week ago. I'm hopeful and she is very positive.

    Had breakfast this morning and there is an orange with my name on it in the kitchen.

    Had a quiet day today but managed to actually do quite a lot whilst watching TV. Wrapped some more presents, filled in some forms, wrote some birthday cards.

    Does defrosting chicken from the freezer and into the slow cooker for dinner count as decluttering? No? I didn't think so. But I have disposed of a few bits and pieces by just picking them up and putting them in the bin or recycling. And the little ones have decluttered quite a few lollies from the bowl that was left over from Halloween. Must really get into this in earnest from tomorrow.

    Have a nice evening.
    Have adventures. laugh a lot and always be kind.
  • edited 2 November 2019 at 6:19PM
    misstaramisstara Forumite
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    edited 2 November 2019 at 6:19PM
    Budget - no budget updates.

    NSDs - no spending today so 1/15 :)

    Lunch to work -

    Items removed - 17/60, slightly cheating with this one as I had already sorted through my clothes and put some in a bag to go to the charity shop but got round to moving the bag out of the house today (only as far as the car though :rotfl:).

    Use up - I have 4 half used hand creams so have put them all on the table beside where I sit to remind me to use them up.

    Outings - firework display and coffee with some friends are planned.

    Daily fresh air - another miserable day here but went out for a walk anyway. Although I got soaked, I felt better for going out.

    Donate - monthly direct debit has already gone out plus I'll pop some items into the food bank collection next time I'm at the supermarket.

    Gratitudes - the rugby, OH is doing cauliflower cheese for tea :D, good walk, having a cosy flat.

    New habits - to do an average of 10,000 steps each day so 300,000 over the course of the month. Did 5,335 yesterday and so far today have done 7,996 so 13,331/300,000.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0
    Car - £4992.88. Now £2643.76 (47% paid)
    Emergency fund - £1000/£1000. Car fund - £1000/£1000.
    Flat deposit - £850/£15000 (5.7% saved).
  • dolly84dolly84 Forumite
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    Walked into town this morning with DH, it's a 6 mile round trip and it started raining whilst we were still in town so we were soaked but boiling hot after walking uphill all the way home.



    A little while ago I was given a Vintage 1970's leather saddle bag which was in a bit of a state of disrepair, I took it to the cobblers before I went on holiday and he has stitched it all back together for £10, I collected it this morning and now have a gorgeous leather bag.


    Whilst in town I picked up a brand new pack of 6 coasters from the charity shop for £1, they are from Stow on the Wold and have rather nice sheep on them.


    Rest of the day has been spent rotating washing, emptying the drier, doing a bit of cleaning and cooking.
    Debt Free and now a saver, conscious consumer, low waste lifestyler


    Fashion on the Ration 28/66
  • f0xh0lesf0xh0les Forumite
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    Today was NSD 0, but I think I can rack them up thick and fast now my food supplies are in. Fingers crossed.


    MFW#65 Oct 21 = £80,900.00 next target = sub £80k in December 2021 Daily interest £3.99
    E/F £19,750 but I still need a new roof and an extension and the loft boarding out.
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.
    https://referme.to/GNNHtJ L&C referral link for free mortgage brokerage
  • edited 2 November 2019 at 8:28PM
    doingitanywaydoingitanyway Forumite
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    edited 2 November 2019 at 8:28PM
    Still on 0 NSDs. Nearly had one but my new November habit is a daily walk of at least 30 minutes and I walked to the supermarket and got a bottle of wine and some crisps.

    I spent £5 on a metal poppy so I have donated to RBL.

    Nearly forgot gratitude!
    Grateful for a clean kitchen and my K steamer.
    Grateful for my mobility
    Grateful for the trees I saw on my walk in the town centre blue and white lights made me smile :)

    Hope everyone has had a good day :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.
    £500/2,500 Legal and moving costs
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