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  • FIRST POST
    • mothernerd
    • By mothernerd 25th Sep 19, 1:46 AM
    • 3,120Posts
    • 33,951Thanks
    mothernerd
    Nst october
    • #1
    • 25th Sep 19, 1:46 AM
    Nst october 25th Sep 19 at 1:46 AM
    NINJA SAVINGS TURTLES

    OCTOBER

    Game of Thrones


    Welcome to the final quarter of 2019 (the last 90 days sounds too apocalyptical). Time to pause and think about where you want to be now, in the next few months and going forward into 2020.

    AS we all know, the perfect time to do something never comes. Stop waiting ... for the weekend, for a new year, for things to change. The best time to start something is right now.

    To inspire us I am using 'the words' of some of the houses in GoT. This is a Turtle Alliance of some of the great Houses of Westeros, we will use all their collective wisdom to fight debt, increase our spending and do all we can to keep our families and ourslves safe, warm and healthy and have fun along the way.

    House Stark's words are
    WINTER IS COMING
    House Stark has always been very supportive of the Night's Watch who keep the whole of Westoros safe from the Wights. You are the guardian of your family and we will consider how to protect your house and family as Winter approaches.

    This needs Planning and Preparation

    Before the Start of the Month You MUST
    Set Your BUDGET for the Month
    AUDIT your Cupboards, Fridge and Freezer
    Make a MEAL PLAN starting with what you have in (unless you have already started to put things aside for a special occasion
    Plan for the MONTH - what is happening, what commitments, appointments, celebrations, once a year bills are coming up.

    For the Next Ninety Days
    What is Your FOCUS?
    What do you want to happen?
    What needs to change? It may have to be You
    SET some goals. Break them down into Monthly and Weekly targets.
    Think in terms of small changes that you can make NOW.


    House Lannister's words are
    HEAR ME ROAR
    The Lannisters are also famous for always paying their debts. With a lion's ferocity you avoid spending money.

    Plan for the Month
    You must PAY to YOUR DEBTS or SAVINGS FIRST and live on what is left.
    INCREASE your income if possible
    REDUCE your outgoings eg by using own brand products or changing your supermarket?
    Can you MEND, MAKE or MAKE DO instead of Buying?


    For the Next 90 Days
    CUT out any unnecessary socialising
    CUT Screen Time
    Be Mindful, Meditate, Read or just spend time with Nature or Candlelight (you can't see all the 101 things you think you 'ought' to be doing).
    LOOK for any free activities or events in your area


    House Martell's words are
    UNBOWED UNBENT UNBROKEN

    We all get tossed by life's storms. Sometimes we are still dealing with the latest disaster when the next crisis bowls us over.

    This Month
    Whatever happens you need to KEEP GOING.
    Whether you stumble, fall or get knocked down you need to GET BACK UP (it's fine to stay down for a while, get your breath back, check if anything is broken).
    RUN, WALK or CRAWL
    If you can't run, walk. When you can't walk, crawl.
    If you are CONFINED TO BED or the couch, PLAN your next moves and find things YOU CAN DO from there (I always found tackling the mending pile was a good thing to do when recovering from flu). Progress is progress, no matter how slow. What you don't do is give up because of one tiny slip.
    LOOK AFTER YOURSELF so that you can look after those who depend on you.


    For the Next 90 Days
    Introduce ONE HABIT to improve your health
    Do something FOR YOU each day
    BE KIND always (everyone you meet is carrying some burden)


    House Reed's words are
    HEARTH, HEART and HARVEST

    The mud men live simply. They also spear frogs.
    SIMPLICITY has been a recurring theme in this year's posts. Treading lightly upon the Earth and being at one with nature fits with the turtles holistic approach.


    This month
    Concentrate on the THINGS THAT MATTER, your home and loved ones, health and happiness.
    Make a FROG LIST - try to tackle one a day.
    CONTINUE to SIMPLIFY your life, RELEASE unwanted possessions and REDUCE things that cause you stress.
    DONATE - time, goods or money
    BE GRATEFUL.

    For the Next 90 Days
    Think about what really matters to you.
    What can you do to get closer to living the life you have always wanted?
    What no longer fits in your life?
    Visualise Your IDEAL DAY
    Make a list of GOOD THINGS that you want in Your Life



    The challenge runs for the whole of October.

    You will aim for 15 No Spend Days.


    Who will join our October Adventure?
    Last edited by mothernerd; 26-09-2019 at 2:24 PM.
    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 Nov No 13 No Debt No mortgage
Page 16
    • sashanut
    • By sashanut 19th Oct 19, 11:59 PM
    • 3,245 Posts
    • 30,870 Thanks
    sashanut
    No 10 checking in
    Hi all

    Another NSD bagged so 11/15 now.

    Odd day for me, seemed to have lost a bit of my oomph ….lots to do as ever but found it hard to settle to do anything.

    Didn't want to cater for supper but in the end didn't cave in for F&C which is DHs preferred option. Had to make something from scratch but it turned out very tasty in the end & used up some things we already had. Not as successful was the 3-ingredient fruit cake which took hours & hours to cook, and then was kind of like Cmas pudding. DD & I liked it, DH definitely not. And, did I mention, it's a huge cake....

    Also got some more clearing done in the sunroom, I wasn't keen to do anything but then DH wanted to 'get something done'. That is so rare....moved a large bit of furniture and so it's starting to look much better.

    Gratitudes: Help from DH, cosy evening in, fresh air, new recipes..

    popping in to say hi: Hello Turtles!!
    New start JAN15 - NOT BUYING IT 2015 . 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
    • mothernerd
    • By mothernerd 20th Oct 19, 2:03 AM
    • 3,120 Posts
    • 33,951 Thanks
    mothernerd
    Day 20 Inspiration
    THE BUYERARCHY OF NEEDS
    BUY
    MAKE
    THRIFT
    SWAP
    BORROW
    USE WHAT YOU HAVE

    HOW TO LIVE A BETTER MORE AUTHENTIC LIFE
    1 Create a morning or nightly ritual
    Why do you wake up in the morning? Is it because you have to? Do you jump out of bed and immediately go chasing your to do list? Shower, shave, coffee, clothes, work?
    2 Make time for fun
    As you go through your day remember to smile. Uncover an aspect of fun in everything you do. Turn it into a game for yourself.
    3 Prioritise and choose happiness
    It is often said that no-one can be happy every day. I've learned that you can experience negative emotions and still be happy
    4 Follow your intuition
    Learn to listen and trust your inner voice
    5 Say what you need to say. Now
    We all know that we're here for a finite period. We hope to get to a ripe old age with wrinkles and grandchildren... but we also know that it doesn't happen for everyone. Stop wasting time. Say what you need to.


    The habits you created to survive will no longer serve you when it's time to thrive. Get out of survival mode. New habits, new life.


    In life, friendships change, divorces happen, people move on, others die. Money and jobs will come and go. Live long enough and your health and body will change. It goes with the territory of being human. The fact that you are still here gives you an advantage.
    Don't look back. Look straight ahead. Decide to use all your knowledge, skills, experiences and all the life lessons from your mistakes, defeats and setbacks to start again. Life changes. You may not have the same life you had before but you can still enjoy your life
    Les Brown


    Your home should be the antidote to stress, not the cause of it


    MINIMALISM IS THE INTENTIONAL PROMOTION OF THE THINGS WE MOST VALUE AND THE REMOVAL OF ANYTHING THAT DISTRACTS US FROM IT
    Joshua Becker

    At the beach life is different. Time doesn't move hour to hour but from mood to moment. We live by the currents, plan by the tides and follow the sun


    In a society that profits from your self-doubt, liking yourself is a rebellious act.


    25 SELF-CARE IDEAS FOR MENTAL HEALTH
    Go for a walk everyday
    Read a book
    Try essential oils
    Yoga
    Meditation
    Get creative
    Journal
    Tidy up
    show kindness
    Lsten to music
    Listen to a podcast
    Practice grattude
    Social media detox
    Try mindful colouring
    Learn something new
    Create a self-care kit
    Make a smoothie
    Have fun
    Lay in the sun
    Watch Netfix
    Go cyclingg
    Have an early night
    Drink water
    Plan a trip
    Rest and relax


    SUNDAY Take it slow and give your soul a chance to catch up with your body.
    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 Nov No 13 No Debt No mortgage
    • greent
    • By greent 20th Oct 19, 8:20 AM
    • 8,230 Posts
    • 83,635 Thanks
    greent
    Got some more clearing done in the garden yesterday morning (almost done now) before succumbing to a general feeling of unwell ness and then spending several hours hibernating under a blanket. Fed smalls but ended up eating toast for dinner for me. Stomach still feels weird this morning but woozy head has gone

    Bit more sorting with ds3 yesterday and even already this morning (he is so amenable to it right now) and also listed 2 more things on flebay yesterday (1 already has a bid) Collected together a tub of old phones this morning - I know there are a couple more hanging around, too. When all found I will go through them and keep 2 for spares - 1 basic payg non smart phone (useful for school trips where smart phones aren't allowed) and 1 (hopefully an unlocked one...) old smart phone for a spare in case of damage. Rest can go for recycling - several are damaged anyway. Will have a sort out on charging leads when I get to that point, too....

    Cashed out on pr0l1fic yesterday so rounded it up and transferred amount to holiday fund. Still have a good amount in current account (even taking half term into account) so paid £50 to btl mtge. Will look to transfer any spare at month end to holiday fund - would be nice to achieve our target early, if we can

    Still need to change some broken fence posts/ panels, but it is too wet to do anything like that at the mo

    Another 3 items added to cs bag and a holey top to rag recycling. This month so far has been a very good month for getting rid Hopefully I can take the 3 bags to the cs this week....

    Relatively easy day planned - ironing to catch up tv and some craft with ds3. Maybe board games later - always enjoyed by the smalls

    Happy Sunday x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/18 £54829 2019 OPs (#18) £4675/£5K
    Net sales 2019 £619.96/£500
    • dolly84
    • By dolly84 20th Oct 19, 8:20 AM
    • 4,835 Posts
    • 44,637 Thanks
    dolly84
    sashanut - fruit cake freezes really well.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • f0xh0les
    • By f0xh0les 20th Oct 19, 9:47 AM
    • 2,617 Posts
    • 24,248 Thanks
    f0xh0les
    Good morning Turtles.
    Just call me Florence Nightingfox. I have taken control as 'the cough' seems to be spreading to DS3 and 4 now. The soup pot is on. More apples are stewing - they went down an absolute storm last night, for practically no effort, and as I am a firm believer in food as medicine (everyone else in this house thinks I am a nut) I have banned everyone else from the kitchen unless it is to make drinks.

    Also remembered I need to wash the school blazers (a half termly act) for going back to school tomorrow (boo!) a NINE week half term heading to the C-word holidays. I also know the date for the primary C-word fair (always good for a bargain) and I have the after school clubs to pay for - why are they free at secondary school but not for primary? It is not like the primary ones are even blowing anything up! It is because they have outsourced to a local company to do the sports with their devolved budget. Grrr.
    I have also noticed during my ingredients list reading exploits, suddenly, milk powder has been added as the very last ingredient on a lot of products. After B and D vitamins, and dust. I can only guess that it is to stop them getting sued in case of cross contamination.

    So keep checking labels, or make your own. Although having said that, Mr Mac-Vitie has just announced their digestives are now vegan friendly.
    Last edited by f0xh0les; 20-10-2019 at 9:57 AM.
    MFW#65 5/16 £118,3 10/17£109,4 12/17 £108,85/18£106,9 6/18£105,9, 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/8 £96,5 1/9 £95,9.1/10 £95,51/11£94,999.99L&C Referal code- https://referme.to/GNNHtJo
    • Karmacat
    • By Karmacat 20th Oct 19, 11:16 AM
    • 32,513 Posts
    • 192,262 Thanks
    Karmacat
    Morning all I like the list you posted overnight, mothernerd, nice one, a great deal of that speaks to me. I got back from holibob on Friday, working fairly constantly at clearing up from that (a LOT of clothes to be washed, just for starters!). I have a ridiculous length to do list on my phone, but already managed 14/33 - though I think I've gone slightly wrong in updating the email account that may have been hacked, I've enabled google push, and its driving me crazy with constant alerts, grrr. Aha, just found the "silent" button.

    Lots of focus on self care while I was away - a dietitian advised on how to get enough omega 3, as a vegetarian (walnuts, soy beans, and rapeseed oil), for instance. I had a play at a couple of craft classes as well - thats definitely something to take forward, especially as I have quite a stash . Maybe when I go catsitting next month.



    I'll start updating from the original post tomorrow.
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • mothernerd
    • By mothernerd 20th Oct 19, 1:01 PM
    • 3,120 Posts
    • 33,951 Thanks
    mothernerd
    Morning all I like the list you posted overnight, mothernerd, nice one, a great deal of that speaks to me. I got back from holibob on Friday, working fairly constantly at clearing up from that (a LOT of clothes to be washed, just for starters!). I have a ridiculous length to do list on my phone, but already managed 14/33 - though I think I've gone slightly wrong in updating the email account that may have been hacked, I've enabled google push, and its driving me crazy with constant alerts, grrr. Aha, just found the "silent" button.

    Lots of focus on self care while I was away - a dietitian advised on how to get enough omega 3, as a vegetarian (walnuts, soy beans, and rapeseed oil), for instance. I had a play at a couple of craft classes as well - thats definitely something to take forward, especially as I have quite a stash . Maybe when I go catsitting next month.



    I'll start updating from the original post tomorrow.
    Originally posted by Karmacat

    Cats love to lie on your sewing/ embroidery - well they love to lie on your lap and be the centre of your attention and ignore any books/ sewing/ keyboards that are in the way. Such fun having a cat walk over your keyboard adding tis own little words and leaving black hairs all over your sewing (I learned to always have something to hand to cover it up so that if I had to go and answer the door or phone I could leave it cat proof - never worked out how they managed to get hair inside the fridge and on tea towels that had been washed and put away in drawers.


    Florence Nightingfox keep up the good work. I once averted the spread of stomach bug by giving everyone in the house (mid-week) an antiseptic wipe and an allocated area (kitchen, door handles and the places where people push the door open, taps and the stair rails). Had to ask the ADHD boy if he would remember two instructions (No) so we settled for one and then for him to come back to me for a second task.
    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 Nov No 13 No Debt No mortgage
    • dolly84
    • By dolly84 20th Oct 19, 4:49 PM
    • 4,835 Posts
    • 44,637 Thanks
    dolly84
    Took DS for a haircut yesterday and then in the afternoon DH & I went to a local musuem which is free, lovely couple of hours in there and the park, they had a nice display of some of the costumes from Gentleman Jack - which I didn't watch but they were really lovely.


    Cycled this morning then packed up a few sandwiches and a flask and went out for the rest of the day. I have bought some more charity shop items but that is it.


    A couple of years ago we bought DD a lovely black metal bed on ebay for £30, she sits on her bed and being almost 16 she is adult weight really and the metal bars that form the base have bent where she sits, I mentioned we would replace it with a wooden frame when we found one but she really loves the bed and what would we do with it if we did replace it. I suggested to DH that we remove the bars and replace them with wood, it wouldn't be seen and would be strudier. Well today a really weird thing happened, when we were cycling home someone had put 2 bundles of single bed slats outside their house. We asked if we could pop them inside the gate and come back in the car - we did and are going to fit them this evening. A circular economy at its best.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • apple muncher
    • By apple muncher 20th Oct 19, 5:45 PM
    • 9,466 Posts
    • 72,752 Thanks
    apple muncher
    F0xhles - we always check every label for gluten contamination. As soon as they use a different design on the label, or if a product has been unavailable for a little while and then reappears, then it is time to check the previously 'safe to eat' list.


    Karma - I giggled at the thought of you crafting with cats around...


    Dolly - great find on the freebed slats!


    Greent - how's it going with dh around so much more?


    Today I am grateful for waking up without the alarm clock, for getting my butt outside and going for a short run first thing, for helpful friends looking after me, for getting the soggy back lawn mowed (it's not pretty, but at least it's better than it was ), for my giant sunflower heads starting to look like they have seeds so I can leave them out for the birds, for dd going through her drawers ready to hit the ch shops knowing what she wants/needs, for big sis and I being of one mind when it comes to mum and her needs.
    NST YESvember #1; NSD 6/15; Ex 2/21; remove bagfuls 1(46)

    Mortgage £15,451 (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???
    • abundant1972
    • By abundant1972 20th Oct 19, 8:58 PM
    • 1,254 Posts
    • 9,519 Thanks
    abundant1972
    Good evening all!!!

    Had a nice weekend, spending some with my folks and today with the other half. Went for a nice walk and appreciated the lovely Autumn leaves and weather.

    No more NSDs to claim, but will be on a very thrifty week this week as my spending money for the month all but gone. Plenty in the food cupboards though so will most definitely not starve!!!

    Back to work tomorrow... but I am choosing to be grateful for my job and the income it brings, and the opportunities it gives me to help others.

    Thanks again for the inspiring posts!

    Night all
    Current Debt (0% Interest) = £4200.00
    Follow your heart & be true to yourself always
    Rainy Day Fund = £500.00 : EF = £1750.00/£4500.00
    NST : NSD=02/15 : Food & Spends=£53.09/£240.00
    Gym : 2/12 Sessions
    • greent
    • By greent 20th Oct 19, 9:30 PM
    • 8,230 Posts
    • 83,635 Thanks
    greent
    Greent - how's it going with dh around so much more?

    .
    Originally posted by apple muncher
    Hmm.....some days are better than others..... we are both very used to doing our own thing......! thank you for asking x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/18 £54829 2019 OPs (#18) £4675/£5K
    Net sales 2019 £619.96/£500
    • mothernerd
    • By mothernerd 20th Oct 19, 10:21 PM
    • 3,120 Posts
    • 33,951 Thanks
    mothernerd
    A NSD for me, in the end. Haven't been outside the house except for many many trips to the bin. Washer and dishwasher are both at work again. Took me an hur and a half but I can now see most of the front room floor and the kitchen worktops and most of the floor are clear - just too tired to stand up for long enough to clean them. Moved the large sofa in the front room (feeling it in my stomach muscles now). We have also hauled out the pots, recycling and rubbish from Beloved's room (that's why the dishwasher is on it's 3rd run)



    Tried to order organic sheets and pillowcases but gave up. Looked at between 7 and 10 different websites. All I want is plain white (or natural unbleached) preferably in double bed size. Some were sold out, some only had stripes or wild patterns, the bamboo ones were only 30% bamboo (rest was viscose, which I think is tree bark) and even with me compromising on some things, no one had 4 of each (this is to last me for the rest of my life - the 4 gossypium organic cotton bath sheets have been going for 15 years with no signs of wear other than one occasionally going pale blue or green when there aren't enough things for an all white wash).


    Not managed to get the tape measure near DS3 so no clothes ordered and no food for when we come back. Will have to do a quick shop for mum on Friday morning and some for us later (we have plenty to eat just not the things I need for the cooking I had planned).


    Packing has not been done. Think I am more reluctant to go on this holiday than any other with the sole exception of my 'honeymoon' (least said, soonest mended but a four hour train journey with a crying baby and an unhappy toddler is not ideal - they were good for the first 3 hours). Wasn't feeling well this morning so will just take the opportunity to rest and relax (taking 2 books and some sewing - no sequins as I am still shedding them every time I move).


    Have just had a shower and will try to sleep for a few hours and then start again. The essentials are in a small bag (glasses, purse, phone, wallet, 2 new hankies, diary, pens and lip balm) as long as I have my breathing machine, a change of clothes and something to eat and drink I will be fine.


    The breathing machine is what causes the packing problems. I have to use it when I'm sleeping so it can't go in the case until I'm awake and it takes so much room that everything else has to be tucked in around it. I can't carry the suitcase downstairs when it's full so I set it up in the kitchen and ferry everything else down in bags to load up.


    It will all work out fine in the end.


    Today I am grateful for my front room looking nearly normal (technically there is now somewhere for a guest to sit/ perch as I had to go round the back of the big couch, sit in the patch I had cleared on the small couch and then lift my legs up in the air and over the big couch to get out), for doing stuff even though I'm well below par and for having enough clothes that I could have scraped through even if the ones I washed hadn't dried (I have a couple of dresses I bought on sale for my aunt's funeral, but haven't worn them in front of mum yet as she will say "Is that another new dress?" - her wardrobe is 4 to 5 times the size of mine).
    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 Nov No 13 No Debt No mortgage
    • sashanut
    • By sashanut 20th Oct 19, 11:43 PM
    • 3,245 Posts
    • 30,870 Thanks
    sashanut
    No 10 checking in
    Hi all

    Another NSD today so 12/15 now.. Thanks for the tip re fruitcake dolly84 - offered it again tonight but there were no takers!! Rotten lot..However, all meals from stores so no shopping needed.

    Have a good holiday mothernerd, I hope you can enjoy it.

    Rather more productive day, cleared out a lot of the sunroom & at least half of it is looking OK. Have to clear it out in order to decorate & hopefully have the floor sanded, plus it needs a couple of windows replaced as they have condensation in them. Oh & the light fittings replaced as well. Not much needed then - and after that - some sort of blinds that can cool the place down/keep the heat in winter.

    Thrown some stuff away but have been checking everything & have found some old jewellery of mine that must have been shoved in a box sometime or other. Not all good, and hardly worth a lot of cash, but some nice stuff that I am pleased to have again.

    Gratitudes: clear spaces, helpful dh today, abundance of holly berries, DD having a good time.

    popping in to say hi: Hello turtles!!
    New start JAN15 - NOT BUYING IT 2015 . 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
    • mothernerd
    • By mothernerd 21st Oct 19, 12:31 AM
    • 3,120 Posts
    • 33,951 Thanks
    mothernerd
    Captain's Log:Sra Date 21
    LOVE is in the air
    But so is FLU - wash your hands


    We fall. We break. We fail.
    But then
    We rise. We heal. We overcome


    Let's take our hearts for a walk in the woods and listen
    to the magic whispers of old trees


    Be gentle with yourself. You're doing the best you can.


    BE CALM
    Step into a quiet space and be calm. Don't let things get to you.
    Breathe into your heart, relax and let go. You deserve the gift of serenity.


    If You Want to Make positive Changes in Your LIfe
    Don't sit on the couch and wait for it.
    Go out. Make a change
    Smile more
    Be excited
    Do new things
    Throw away what has been cluttering you
    Do not follow negative people on social media
    Go to bed early, wake up early
    Be fierce
    Don't gossip
    Show more gratitude
    Do things that challenge you
    BE BRAVE


    We are all broken that's how the light gets in
    Ernest Hemingway


    Sometimes in life, we just need a hug
    No words, no advice, just a hug to make you feel you matter


    The stuff you own has to help you create the life you want
    and if it doesn't ...Why is it in your home?


    We are frantically trying to earn enough money to buy things we're too busy to enjoy.
    Balance comes when you stop, look at your life and assess the things you genuinely want for yourself and your family
    Be intentional. Work less. Live more


    Let's Reduce Stress This Week
    Monday -Smile when you wake up
    Tuesday - Stretch for ten minutes
    Wednesday - Give out hugs
    Thursday - Eat delicious food
    Friday - Go for a walk
    Saturday - Sleep in
    Sunday - Reflect on the best parts


    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 Nov No 13 No Debt No mortgage
    • misstara
    • By misstara 21st Oct 19, 8:34 AM
    • 3,243 Posts
    • 23,388 Thanks
    misstara
    A spend day yesterday as we went to get the weekly shop. Following my surgery, I have been slowly reintroducing gluten and dairy back into my diet which has gone well so last night's tea was proper pizza

    A fairly quiet week planned so hoping for lots of NSDs. I've got a meal out on Wednesday with some friends who I've not seen for a while and me and OH are going round to a friend's for tea on Friday but that's it. Seem to have done quite a lot of socialising this month, however, trying to make the most of being off work. I'm hoping to go back to work in 2 weeks time, just waiting for a date for an occ health appointment.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Car debt Nov 2017 £797.68 Now £602.20 (24.4% paid) + monthly payments £146.82 24/60
    Emergency fund - £220/£1000. Car fund - £87.10/£1000.
    • thriftylass
    • By thriftylass 21st Oct 19, 10:26 AM
    • 3,602 Posts
    • 29,875 Thanks
    thriftylass
    Hello,

    Not sure where I stand with NSDs, need to check.

    Busy weekend. Went for a run, did some more tidying and decluttering (found some fossils , see below), took kids swimming, cooked loads (sheet pancake for the week, 2 lots of meat balls and a big batch of tomato sauce, stewed apples, 3 lunches, big batch of cauliflower cheese, big roast dinner yesterday with plenty of leftovers). My freezer is starting to look tidier with loads of ittybitty things getting used up.

    Made a three months list of odd jobs to do in the house and put it up on the side of the fridge. It feels good ticking things off rather than constantly going: oh that light needs fixed, those books need thinned, that wall could be painted. Now having a physical list in plain view makes me tick things off. Got the kids pictures off the kitchen wall to repaint and repopulate with new art work, sorted some outfits out, took stickers and residue off the kids bed. and a few more.

    Also went into the garden. Noticed that the ivy that grows behind our evergreen hedge on some bare tree trunks had grown onto the neighbours shed and wall. As it was hidden from our view I hadn't noticed. For some reason somthing made me look behind our hedge and I cleared it out.

    Back to school today. Gave the fossils I found to DS and his "girl"friend that was round yesterday. They were fascinated. It's sth I got about his age from my mum's friend, a few fossilised shells, polyps, insect imprinted into stone, a belemnite etc. They'll take them in for a show and tell.
    Last edited by thriftylass; 21-10-2019 at 10:39 AM.
    NST Nov 19
    SFD 3/20 spends £450/650
    Exercise 3/15
    Debt - all 0% 265 to go from 5290
    DFD 12/2019 Mortgage 109343 (04/17) 92300 (11/19) OP 1910
    • Karmacat
    • By Karmacat 21st Oct 19, 10:37 AM
    • 32,513 Posts
    • 192,262 Thanks
    Karmacat
    Cats love to lie on your sewing/ embroidery - well they love to lie on your lap and be the centre of your attention and ignore any books/ sewing/ keyboards that are in the way. Such fun having a cat walk over your keyboard adding tis own little words and leaving black hairs all over your sewing (I learned to always have something to hand to cover it up so that if I had to go and answer the door or phone I could leave it cat proof - never worked out how they managed to get hair inside the fridge and on tea towels that had been washed and put away in drawers.
    Originally posted by mothernerd
    Karma - I giggled at the thought of you crafting with cats around...
    Originally posted by apple muncher
    I didn't really think through that comment, did I hard to believe I ever had cats

    Packing has not been done. Think I am more reluctant to go on this holiday than any other with the sole exception of my 'honeymoon' (least said, soonest mended but a four hour train journey with a crying baby and an unhappy toddler is not ideal - they were good for the first 3 hours). Wasn't feeling well this morning so will just take the opportunity to rest and relax (taking 2 books and some sewing - no sequins as I am still shedding them every time I move).
    Originally posted by mothernerd
    Hope you have a lovely time too, mothernerd, I shall think of you leaving a trail of sequins wherever you go
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • apple muncher
    • By apple muncher 21st Oct 19, 7:39 PM
    • 9,466 Posts
    • 72,752 Thanks
    apple muncher
    Today I am grateful for going for a morning run in the rain, for a revitalising shower, for getting dd's bs account sorted, for a good trawl around some ch shops with dd, for finding a couple of items for my sister (grand total of 2.49), for a snug and warm house.
    NST YESvember #1; NSD 6/15; Ex 2/21; remove bagfuls 1(46)

    Mortgage £15,451 (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???
    • apple muncher
    • By apple muncher 21st Oct 19, 7:45 PM
    • 9,466 Posts
    • 72,752 Thanks
    apple muncher
    I love the picture of you leaving a trail of sequins mothernerd - that way you can always find your way back home. Hope you have a relaxing time away.
    NST YESvember #1; NSD 6/15; Ex 2/21; remove bagfuls 1(46)

    Mortgage £15,451 (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???
    • greent
    • By greent 21st Oct 19, 8:47 PM
    • 8,230 Posts
    • 83,635 Thanks
    greent
    No spends today

    Managed to take the 3 (large and very full) bags of various items to CS, post a flebay sale and donate another 4 unwanted items of uniform to school Have bids on another 2 items on flebay, too

    Made 3 crumbles to take to ds1 next week from hg pears and apples and 2 wrinkly nectarines.

    Thankful for - places to donate things, ds3 thoroughly enjoying making a solar system (worth the spend at hobbycraft), more stuff leaving the house, oh being able to collect ds3 when he wanted to stay on after school (and therefore not get the bus) (I was with ds3 at swimming)
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/18 £54829 2019 OPs (#18) £4675/£5K
    Net sales 2019 £619.96/£500
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