NST September 2022 Picture yourself on a boat on a canal

f0xh0les

My conscious retreat from the world of probate seems to be working.  Shonky solicitors sent me their bill this afternoon, for my perusal, so it must be coming to an end. £6k for letting me do all the work.  Shysters.

NSD 3 today, narrowly avoided wrecking my phone with a cup of coffee.    It was a slow-mo thing, but it only got a tiny splosh on it because I leapt like a gazelle and saved it.

Used up some more bits and bobs from the fridge and freezer for supper. Tomorrow will be a mock chick'n and BNS curry with idli and medu varda, because I have open packet mixes in the pantry and I want them gone. Prices seem to have doubled in the supermarket on a lot of things I buy. Might as well get some things out of the pantry before DH comes back from M'cr with a load of new random items to shove in there.

DrCarrie

Hi Turtles, another meal deal epic fail  

Grateful for, the lightening and rain outside - thunder just started, a lovely walk in the sunshine, and some wine. 

ldee2111

NSD 5/15

OH working late again this evening so I’m going to bed early to read more of my book.

Grateful today for polite chat at the school gate, for seeing/petting our furry friend ‘friendly cat’ (our name for her) on walk back to car, for completing some work tasks I’d been procrastinating on, for finally discovering how tasty mashed avocado on toast is (I’ve been missing out!), and for Mum’s honest and wise advice. 

apple_muncher

Today I am grateful for my counsellor, for walking, for deciding what I'm going to do with the reception class this half term (eek! Ankle biters!), for successfully making tomato soup in the slow cooker with tomatoes from a liddle veg box from several days ago, for still picking lots of rasps, for dc doing another full day and liking the new teachers.

pollyanna_26

grandmanerd said:

Got in touch with the surgery and have a phone back appointment with a doctor next Tuesday morning. Receptionist will try to get the pill increase in place before I reorder (pharmacy has been engaged so far) but I have emphasised that it must go through even if their system says it's not due yet (I've been taking the 3 a day but the last prescription only had the 2 a day on it). I tried the online system first but then phoned because they do a sort of half day closing on Wednesday (think they are still there working but don't answer the phone or staff the online system).

I've been to introduce myself to the solicitors I want to act for me over the bungalow sale (I didn't want them receiving a donkey load of paperwork from the EA about a woman they'd never heard of) and went to get cash (for my brother/ Mr and Mrs Builder - some already in the drawer) and a few basic items (all soft to eat because of my sore throat). Going to do the mask and weekly hose clean and may do the once a month filter change too, then will chip away at the paperwork.

Grateful for ice lollies, rice pudding and soup (already in) plus yoghurt and drinks and jelly babies.

I can't pretend in any way to understand apps. I don't use a smartphone, just the landline or basic big button mobile.

Over the last year all  dds  contact to and from the surgery, hospitals , pharmacy vaccination hub who have been doing her asthma checks monthly blood tests  and many other things have been sent to her smartphone via apps.

She just needs to order her monthly repeat meds and any others she needs and as she's been with that pharmacy since she was a baby her meds are delivered free next day.

Surgery have just sent appts for flu and pneumonia jabs via app.

The only thing that doesn;t seem to have an app is the monthly full bloods. I still need to collect the forms for her to take to the hub for the tests. Surgery have the forms waiting so easy for me to pick up.

No idea if you have a smartphone GMN but apps have made things easier for youngest and saved me phoning or going to the surgery on her behalf.

Have you considered transferring the money to your brothers account rather than going to withdraw cash? Bank statements will show the transactions so you'll be able to keep track of when you transferred the money to him.

pollyx

ETA I'm another who never understood Dave Ramseys  15 years mortgage advice. I took out a 25 year mortgage when I bought this house. Never missed a payment but it took 25 years to pay according to my income. Shortly before the fireworks went off for the year 2000 I made the final monthly payment and  it seemed fitting we were entering a new era mortgage free.

BadBookkeeper

Simplify  - Decided not to go camping this weekend so we’re probably done for this year.  Makes me sad but everything can now be packed away for the winter and I aim to sort out the conservatory this weekend.  We still have a long weekend away in October and 5 days at Centre P@rks in December to look forward to this year.

Essentials - nothing spent today so that’s 4/15 NSDs.  

Planning & Preparation - Pe kit and swimming kit sorted out for next couple of days.  DS has school photo tomorrow.  Would like to buy this one as it’s his last year in juniors and haven’t had a decent one from there yet!

Think about spends - I have started a list of things I want to buy and if I didn’t have a credit card debt it would be lovely to buy it all but there we are!  Will buy one item a month if still wanted.  Put my list in order of needed by. 

Eat to nourish - Not as good as I have been the last few days but not horrendous and no alcohol. Didn’t drink any water today.

Mindfulness - Realised how distracted my DH is and my DS is when we’re having a conversation!  Phones are a massive distraction in this house and I’ve started leaving mine away from where I sit so I’m not permanently looking at it. 

Be kind - Offered a lift to ds friends to footy training.  To be kind to myself wrote a healthy food shopping list for tomorrow.  

Exercise - Hmmmmm!  

Report daily - Done ✅

Thrifty_Taylor

Didn't exercise this morning, felt too tired. Work went fine, chatted with a friend after work for an hour in the carpark. Mum was given the go ahead for holiday dates from work, so I booked our accommodation. Spent the evening sewing.

Grateful for good friends/colleagues, tasting the first of our home grown tomatoes, upcoming holiday

ldee2111

Struggling to sleep so I’ll give my Dave Ramsey chat…

I came across Dave Ramsey by accident about 6 years ago when looking for mortgage op advice on the internet. 

OH and I had just moved into our first home and as soon as I had taken that mortgage loan, I wanted rid of it. 

Dave Ramsey has been part of the mix in my approach to being mortgage free. I don’t agree with a lot of his views or fully with his approach but what he did give me was a good bit of motivation and some good advice. 

Wanting to be mortgage free was a seed that was sewn when OH and I backpacked for a year a decade ago. That trip made my itchy feet even more itchy. Saving for it took us four years but it taught me how to save. I read blog after blog by ordinary people who were travelling the world and how they afforded it. One of the things that stuck out was living below your means. 

So with our travel bug in mind when OH and I came to buy a house we bought below our means. Then I stumbled on Dave Ramsey and his ‘gazelle intense’ chat. Before DS was born, we were ‘gazelle intense’ to pay off the mortgage but even after DS and even after my big C episode (which just reinforced how fragile and short life can be), we’ve kept chipping away at it without depriving ourselves of living and enjoying ourselves now. 

Anyway because of bloggers, a balanced mix of Dave Ramsey and Martin Lewis (the people’s hero), and now the encouragement and support of the turtles, our mortgage (taken out in 2015) will be paid off in 2025 (all being well). 10 years. 

OH and I are ordinary folk, no private schooling, no top universities,  no loaded parents, no great auntie leaving us a fortune, and both earning below UK average wages. We are working class kids. 

Will now try to get another hour’s sleep.

X

apple_muncher

Go ldee!!!

hazeldreams

ldee2111 said:

Struggling to sleep so I’ll give my Dave Ramsey chat…

I came across Dave Ramsey by accident about 6 years ago when looking for mortgage op advice on the internet. 

OH and I had just moved into our first home and as soon as I had taken that mortgage loan, I wanted rid of it. 

Dave Ramsey has been part of the mix in my approach to being mortgage free. I don’t agree with a lot of his views or fully with his approach but what he did give me was a good bit of motivation and some good advice. 

Wanting to be mortgage free was a seed that was sewn when OH and I backpacked for a year a decade ago. That trip made my itchy feet even more itchy. Saving for it took us four years but it taught me how to save. I read blog after blog by ordinary people who were travelling the world and how they afforded it. One of the things that stuck out was living below your means. 

So with our travel bug in mind when OH and I came to buy a house we bought below our means. Then I stumbled on Dave Ramsey and his ‘gazelle intense’ chat. Before DS was born, we were ‘gazelle intense’ to pay off the mortgage but even after DS and even after my big C episode (which just reinforced how fragile and short life can be), we’ve kept chipping away at it without depriving ourselves of living and enjoying ourselves now. 

Anyway because of bloggers, a balanced mix of Dave Ramsey and Martin Lewis (the people’s hero), and now the encouragement and support of the turtles, our mortgage (taken out in 2015) will be paid off in 2025 (all being well). 10 years. 

OH and I are ordinary folk, no private schooling, no top universities,  no loaded parents, no great auntie leaving us a fortune, and both earning below UK average wages. We are working class kids. 

Will now try to get another hour’s sleep.

X

Love this  - I can relate to a lot of what you've said, its just we've not nailed down the gazelle intensity nor the consistency. Reading this has given me renewed hope though - thank you for sharing.