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NST: February 2023 Freedom
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Budget-wise our month ends today. Although tomorrow is still February, I’ve done my Sunday sweep of underspends into savings taking everything down to £0 and transferred in March’s budgets.Grateful today for ending the month with some £ to transfer to savings, for DS still sleeping, and for having a lie-in with OH… drinking tea, talking about budgets, and watching silly videos… ah the romance 🤣NST 🐢 & MF before 40 🤸10
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NSD 16 today. Woke early but chilled for a while and did my nails. Went to see my share horse, decided not to ride as my back was hurting and then he accidentally trod on my foot for about 10 seconds
felt like 10 minutes! Bruising up nicely. May need to invest in some steel toe capped riding boots. Not much else to report, just waiting until the start of the new month.
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Today I am grateful for my new bank card, which was not the original bank card -which was cancelled as being awol, then it turned up, got eaten by machine as it was cancelled - then new new card arrived the next day, I put it in the machine this morning and changed my PIN, took my card back then the machine went wobbly and said it was temporarily unavailable for use due to possible customer tampering (eeek!!) so went a little bit further up the road to the next hole-in-the-wall, took out £80 for the week, just to make sure the card was definitely working, and bought the barest of essentials - salt and mayo - in the International Supermarket.Went into a c/s and found a pretty little wall mirror for £2. It was already a spend day, and as I have bought myself literally nothing this month, I bought it. I am so cheap! But then again, I have kept over 15 NSDs, I even baked bread rolls and focaccia one day to keep my NSD, not to mention a rather spectacular cheese and onion pie with home made pastry.I know a lot of people do not like February as it is cold and dark and the weather is mostly carp, but I love it as it is a 'tidy month'. It is short, exactly 4 weeks long, and you can usually claw back any overspends in Dec/Jan during it. The most expensive thing is International Pancake Day, (Cupid-Day is every day, you can't make up for year-round neglect with some half dead red flowers - Turtles know their own worth). Half Term was a dud as they all started coughing and had sore throats.A lot of laundry has been dried outside, on the line (yay!!), and once again there is unexpected money left over in the budget, which will pay for DS2s new passport, and my work expenses on cc. So all looking good this month (so far!) until payday on Tuesday. The one tank of fuel lasted the whole month. Hooray!4/10/22One Year Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******8 -
@firsview & @Grumpelstiltskin, glad I'm not the only one who does daft things! Forgot to tell the birthday boy my story at his party, so will tell him at school tomorrow.
Had a great day yesterday. The sea was very calm, so an enjoyable trip. We took the things out of the cottage first & balanced furniture for me to climb up to the loft hatch, pleased my friends have strong hands to support me up & down! Went for lunch, then took the model & a frame with tools displayed in, to the museum. The staff there were so delighted with them & excited to see the items. Took lots of photos of my friend handing them over.
Dashed back to Wick then & headed to M&B. Needless to say I bought quite a bit! Most of it were things for the garden, including a large gonk 🤣 but we managed to fit it all in the boot.
Neither of them were hungry for me to buy tea, so I said I'd get the next takeaway we order. The boat back was fine too.
A day of laughter & supporting our friend. She was so pleased it's all sorted now & no longer has to worry about it. Keeping everything crossed that the house sale goes through now.
Grateful for a trip away, my two friends, my bed at the end of the dayUse it up, wear it out
Make do or do without!
If you see someone without a smile, give them one of yours 😃
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What a lovely friend you are @Thrifty_Taylor.
A good wee day today.
LOts of reading & catching up with household stuff.
I like to be shipshape on a Sunday evening for the week aheadI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.11 -
Today I am grateful for dc helping me at kids klub, for more rugby, for a good book, for a warm coat, for kettle bells!
NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!7 -
Grateful that my dishwasher might now be working again, I poured some white vinegar into the bottom after removing all filters, and lo and behold it started taking in water and swishing. Fingers crossed it will complete cycle and empty as well. Drain could have been be plugged. Grateful for lovely walk and tea with friend and making a social arrangement for this coming week. I lost my NSD day today though as forgot to get lasagne plates yesterday - so went to a shop and bought some for a bit of cash I still had lying about.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 2511 -
F - Freedom - 4 out of 11 items sold on bay of e. Relisted the ones that didn’t.
E - Exercise - 100 skips
B - Budget- nothing here
R - Rules - nothing here
U - Unburden tat, nothing here
A - Advanced planning - nothing here
R - Refuel - ate healthy, drank water and no alcohol
Y - You - self care - Did nothing much today
2 - 2 trips out - didn’t get to do this.
0 - 100 days - on track
2 - Read 2 books - won’t complete this
3 - Gratitudes x 3 - DS getting motm, having no plans, Ds enjoyed half term.
12/15 NSD
Lightbulb moment - 17/08/2017 £17,033. Current CC debt £0.00 DFD 31/7/24 🥳. Member #8 of Fiver Friday Challenge £175/£2608 -
We spent all day at home today. There was a big yellow thing in the sky which did strange things to us:
- cut and strimmed the grass
- built goalposts
- pulled out a few weeds
- swept the patio
- played penalties
- hung out a washing that fully dried!
- reorganised a kitchen cupboard
- made meatballs for dinner (DS did a bit of squishing together the sausage meat and beef mince before disliking the mess)Grateful today for quality time with the two loves of my life (even though they leave the lights on!), for Mum dropping in for a wee chat, and for briefly seeing family who are over from Australia.NST 🐢 & MF before 40 🤸12 -
The weekend summary- 1 NSD (so 13 so far for the month),1 night out- very enjoyable, lots of time with family, lots of food, not enough sleep!
Back to normal tomorrow-then school strikes midweek.
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