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NST: November 2020 - Madness!!!
Comments
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Yes please appleMortgage 26.4.25 - £108,500 1.8.25 - £106,362.86
Mortgage overpayment savings - £2.11/£50
Mortgage overpayments so far - £675.986 -
Please sign me upLBM = 07/09/13 Debt = £13339 (100% cleared)
New roof and car £8557/£19003 New kitchen £396/£5039 Credit card Paid Student loan Paid5 -
hi apple, i'd like to join please
Deni xLBM - 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 20255 -
Please count me in, still limping along with you all.Count down to retirement 20235
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Can I sign up please! Massive changes happened here and I need to restructure and organise!
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Wow sign me up please, great challenge apple. I am need to focus on saving as my job not looking that secure next year.
LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/225 -
Please sign me up too 😊 thanks apple_muncher for a great challenge4
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Please sign me up too. Thank you for setting up the challenge. Love the reminders to simplify, nest and exercise particularly and will hopefully do better on these next month than I did this month!Part time working mum | Married in 2014 | DS born 2015 & DD born 2018
https://forums.moneysavingexpert.com/discussion/6542225/stopping-the-backsliding-a-family-of-four-no-longer-living-beyond-their-means/p1?new=1
Consumer debt free!
Mortgage: -£128,033
Savings: £6,050
- Emergency fund £1,515
- New kitchen £556
- December £420
- Holiday £3,427
- Bills £132
Total joint pension savings: £55,4255 -
Setting out my stall for Nov:
March to a different beat. - am generally happy not to follow the crowd - fashions for decor and clothing don't bother me and neither do flashy cars. All of which are good for my pocket
Changes I'm trying to make: lose weight/ get fitter (for lots of reasons - mainly improved health/ hopefully increased life!), some house improvements (some costing money, some not - some very much needed (dodgy electrics and holes in ceiling
) and some not so much (changing light fittings in living room (but they are c20 years old and we plan to reuse the old ones elsewhere to replace some 'temporary ones' we bought for £2.50 each 15 years ago....)
Alternate spending - at least 15 NSDs – that means you can spend on alternate days - will see. Have to say that if I see things for Xmas/ Dec and Jan bdays at good prices I will get them anyway - keeping to budgets, rather than NSDs
Donate – I have 6 bags and boxes of items in my garage to be drip fed to CS. I will be volunteering in there during Nov. I also have some as-new books for DS2's school library. Will also donate to fbank after checking their latest wish list. Oh - and I have some things to donate to our local 'baby bank' when they have their donation day this month.
Nesting – Make your living + working + sleeping + playing spaces separate. Make them what you want them to be. Get rid of things you don’t particularly like. Keep the fleecy blankets to hand, to snuggle up in. Get the twinkly fairy lights up. - see above re some work needed/ wanted for electrics/ holes/ lighting and decluttering. Need a good sort out of the family room - currently too multi purpose and messy. Candles are being lit on the mantle. Hopefully will have news re new fire in Nov (old one condemned and unusable - so a needed purchase)
Exercise to your level and enjoy yourself. - has slipped in Oct. Have bargain gym membership starting in Nov - need to use it min 4x/ mth to make it pay. Will do some walks, weather permitting (not fussed on getting wet but don't mind wrapping up against the cold) Also need to Zumba again.
Spending. It has to be done. But we can control it. Start to plan what you will need for THAT DAY next month. And then simplify it - money set aside for ceiling/ lighting/ new fire (although spending it will still hurt!) Xmas will be mostly paid for by my Nov paydays which will be decent due to lots of hours worked in late Oct and early Nov. Need to get some ideas from the kids about what they want... plus 2 of them have bdays either side of Xmas.... Xmas present list for extended family much reduced nowadays. Have started planning what food we want (not too much different to normal, tbh)
Stay strong and true to yourself one day at a time .Control what you can (your behaviours and thoughts), cope with what you can't (the behaviours of others) and concentrate on what counts. - am trying to instil into my family that you can't control how others behave/ what they say - but you CAN control how you react to it - too much unnecessary anger which isn't achieving anything at other people's stupidity. DH is probably the worst for blaming his reactions to something on other people... I have to say, it was a revelation to me to realise that my reactions were under my control (no kidding, huh?!) and it's a real game-changer - so am keen to spread this to others!
I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £207 -
Sign me up please! Things are a bit tight in November but definitely doable!4
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