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    • abundant1972
    • By abundant1972 29th Jan 17, 12:14 PM
    • 1,227Posts
    • 9,215Thanks
    NST February Challenge : A Winter Voyage
    • #1
    • 29th Jan 17, 12:14 PM
    NST February Challenge : A Winter Voyage 29th Jan 17 at 12:14 PM
    Welcome to February’s NST Challenge : A Winter Voyage

    The end of January is almost upon us… I’m looking outside and there’s a blue sky, and the frost is thawing. It has been a long month – and for those who maybe have children and celebrated Christmas, it can feel like you’re just about recovering from the expense. Energetically – I always feel at a bit of a low ebb… We bowl through Christmas, into New Year and back to work perhaps, and that again can feel tough. If you spend more time at home – it can be a difficult month too – the cold and dark nights might leave you craving the comfort of your home and your natural tendency is to go within. Heck – we should all be hibernating – but life dictates we push ourselves onwards… Just pause for a moment – and mark the occasion. Congratulate yourself - you have provided for yourself (and your family if you have one) and the New Year we planned last month is awakening. We still have a way to go before Spring arrives, so wrap up warm and batten down the hatches.

    Last month, Misstara asked us all to set goals for the year ahead. I would like you to consider the following quote from Earl Spencer…

    “People with goals succeed because they know where they’re going. It’s that simple. Failures, on the other hand, believe that their lives are shaped by circumstances … by things that happen to them … by exterior forces.

    Think of a ship with the complete voyage mapped out and planned. The captain and crew know exactly where the ship is going and how long it will take – it has a definite goal. And 9,999 times out of 10,000, it will get there.

    Now let’s take another ship, just like the first, only let’s not put a crew on it, or a captain at the helm. Let’s give it no aiming point, no goal, and no destination. We just start the engines and let it go. I think you’ll agree that if it gets out of the harbour at all, it will either sink or wind up on some deserted beach – a derelict. It can’t go anyplace because it has no destination and no guidance.”

    So… the next leg of our journey is going to be by sea. Yes you heard right. This month – we are setting sail towards our goals. You have a few days before our ship departs and I want you to make ready.
    We will be at sea for 28 days remember - it is imperative that you bring adequate supplies. There may be clear skies at the moment but storms can blow up out of nowhere and have been known to sink many a ship. We must prepare for the unexpected. There are pirates in these parts who will stop at nothing to loot and pillage your cargo. Tales also tell of sirens – whose song can tempt you from your course, only for you to crash upon the rocks – your budget smashed to smithereens! We must be on our guard against them. Look out for dolphins along the way – they are good omens and can help your money go a bit farther. According to my maps – there’s an island where we can stop mid-way if we can find it – for some much needed rest and relaxation.

    The Rules:
    • The ship sets sail on February 01st and it’s journey finishes on February 28th
    • Plan your shore leave. If you want to meet with friends – log the dates now and don’t deviate once we have set sail.
    • Pay your debt repayments first, and budget separately for birthdays, car expenses, travel, bills, school fees etc. Set money aside for these - they do not count towards a spend day – as long as you have budgeted for them! Be prepared and plan ahead. Get your house in order before you depart!
    • Plan your personal budget with what money you have left. Set aside an amount for essential rations and an amount for personal spending. What you use your personal spends for is up to you – essentially ‘non-essential’ things. It could be a trip to the cinema, a chocolate bar, a new t-shirt or a book. Try not to feel guilty for spending a little on yourself – but budget it in. I am allowing £80.00 for rations and £80.00 for spends.
    • Aim for 15 NSDs. I am giving you each 12 flares. Use them wisely. Fire one off and you can get supplies (have a spend day). That’s 3 flares per week – use them wisely.
    • Look out for Dolphins (a.k.a Yellow Sticker produce). These DO NOT count as a spend day. If you see them break the waves – give thanks, and grab a bargain (as long as you’ll use it!).
    • Beware Pirates! They come in many guises and want to steal your booty! Make your lunches for work, and take in your own coffees – avoid shop/canteen bought convenience food which tends to be overpriced.
    • Beware Sirens! High Street retailers that tempt you in to buy buy buy!!! Before any purchase – ask yourself... ‘is this going to bring me nearer my goal or push me further from it?’… Is it a ‘need’ or a ‘want’…? Can I afford it or will it leave me broke?
    • Mid Voyage we will be stopping off at the Isle of Aphrodite – an enchanted place, and a welcome rest from our travels. This is a free day. Put aside £10.00 if you can afford it and a bit of time for yourself. More details to follow.
    • Remember those lost as sea – try and give or do something charitable. It could be a cash or food donation, or giving of your time if you don’t have a lot of spare money.
    • Never be afraid to ask for help or advice. It occurred to me that I take things like budgeting for-granted… but when I was a newbie – I didn’t know where to start. It was only through joining forums like this one that I learned.
    • It’s ok to make mistakes – as long as we learn from them and do not keep repeating them. If we do – we need to look at why we do – what is our gain from keeping ourselves in debt or perpetuating bad habits.

    What I’d like to see posted from you:
    1. If you haven’t already – try and do a signature. It’s a great way to personalise your goals and targets – and provides a visual aid to your progress. If you need help setting one up just yell!
    2. List your food and spends budgets. Try doing them separately for this month and tell me if it works – or not. I find giving myself permission to have a little bit of a life (spends) really hard… but life is about living. If it helps, each week draw out your spend allowance – when it’s gone, it’s gone.
    3. A running NSD total.
    4. Post 3 things – daily if you can – that you are grateful for. It helps us focus on what we have in our lives and gives us a feeling of wealth and abundance that goes beyond just money.
    5. Re-visit your goal(s) set last month (or do a new one if you’ve just joined). How is your progress? Are you on track or floundering? Be honest. Remember the ship quote above – unless you give direction and purpose to your goals – you will likely run aground. Break it into smaller steps that are manageable for you. If you’re not sure how – put it to the crew. Tell everyone at least one thing you will commit to doing this month to help achieve your goal.

    Them be the rules me Hearties… If you think you’re up to it – put your name below on the ship’s roster and I’ll make sure there’s a cabin on board with your name on it. I run a tight ship – and expect commitment from each and every one of you! We can’t be carrying no stowaways – arggggh! <said in sailor voice haha> Try and check in everyday if you can… it’ll keep you focussed on your goals. Mothernerd has kindly agreed to be my second-in-command for one week in Feb when I have to stop off on distant shores to see family. Rest assured I will keep in touch as best I can and will rendezvous with you all a bit later!
    Last edited by abundant1972; 29-01-2017 at 6:10 PM.
    Ask do I 'want' or 'need' this before I spend
    Follow your heart & be true to yourself always
    Help To Buy ISA = £6046.13. EF = £2500/£4500
    NST : NSD=0/18 : Food & Spends=£0/£200.00
    Exercise : Joe Wicks 90 Day SSS Plan!
Page 3
    • FurryBeastOz
    • By FurryBeastOz 31st Jan 17, 8:39 PM
    • 1,193 Posts
    • 15,845 Thanks
    Right. Budgeting done for February - it's a bit difficult on day 1 as I get paid mid-month and if my pension supplier gets themselves organised they'll be deducting 2 months contributions. Also, rental income can't be relied upon until it arrives from the management company.

    So February bills, CC payments and some 'budgetted' items covered with cash already in the bank. The rest has to be a bit flexible.I like to cover the following month with my salary, and the rest goes into savings. A bit convoluted but it works. I use YNAB.

    15 NSD's planned.

    Down 9 lbs so another stone to go. I need to enter my races this month. Entry fees budgetted for.

    £250 Grocery budget. Indulgences £50. Unexpected 'household' expenses £250. Unprepared/Fat budget £0
    Goals - Weight loss 6/26lb at 22nd Jan 18
    • ilovetea
    • By ilovetea 31st Jan 17, 9:33 PM
    • 862 Posts
    • 6,662 Thanks
    Please can I come on board?
    Will try not to be travel sick

    ilovetea xx
    #10 Make £2018 in 2018. £338.99
    • 1LuckyLady
    • By 1LuckyLady 31st Jan 17, 10:23 PM
    • 803 Posts
    • 7,476 Thanks
    Please can I come aboard too Captain? (Last month was my first NST month and I managed to keep up with the exception of the last 3 days, will do better this month!) I've not had time to read the full thread yet but will try to tomorrow.
    • abundant1972
    • By abundant1972 1st Feb 17, 1:12 AM
    • 1,227 Posts
    • 9,215 Thanks
    NST February - A Winter Voyage

    Welcome Aboard!!!

    It be a cold night out tonight. I'm on-board, making last minute preparations before we set sail. It's just gone midnight - and I'm saying farewell to January. With the sunrise - a new day arrives, and we will voyage forth into February together. All of your cabins be ready... the decks have been swabbed and there be new sails for the trip ahead.

    As you board today, and settle in, as Captain, I'd like to see:

    1) A signature if you can
    2) Set your food and spends totals
    3) Set your NSD goal
    4) Post 3 things you are grateful for
    5) Briefly re-state your goal(s) for 2017. Are you on track?

    In addition, there were a few (non compulsory) pre-voyage tasks that I hoped might be useful...

    1) A stock take
    2) A clear out
    3) A 'Lucky Charm'

    I'll write a bit more about those below in a moment. For today though - and the next few days, find your sea-legs. After that - I want you all to give it your best ok?

    Fortune favours the brave!!!8230;

    Facing up to our financial issues takes courage. For anyone that has been in debt !!!8211; it can feel like being in a whirlpool - which drags us down, and leaves us feeling helpless and at the mercy of our circumstances.

    Breaking away first requires that we acknowledge we are stuck, and we may have to swallow our pride and ask for help. We are all here because we are either in that situation, or have been and/or are trying to teach ourselves new healthy financial habits that will enable us to continue to enjoy a life free from the burden of debt and hardship.

    Know this. There is not one of you reading this that isn!!!8217;t brave.

    We are here now - looking into the face of our finances.
    We are choosing to go forward, and weather the storm
    We are choosing to take control and shape and create a brighter financial future for ourselves
    We are 'the brave'

    Never lose sight of that.
    Last edited by abundant1972; 01-02-2017 at 8:41 AM.
    Ask do I 'want' or 'need' this before I spend
    Follow your heart & be true to yourself always
    Help To Buy ISA = £6046.13. EF = £2500/£4500
    NST : NSD=0/18 : Food & Spends=£0/£200.00
    Exercise : Joe Wicks 90 Day SSS Plan!
    • abundant1972
    • By abundant1972 1st Feb 17, 1:14 AM
    • 1,227 Posts
    • 9,215 Thanks
    So today we set sail, and with a fair wind and following sea, we!!!8217;ll make good headway. Are you prepared for our voyage? Here are a few fun ways to help get your trip off to a good start.

    1. Stock Take. If you haven!!!8217;t already !!!8211; See what you have in and what meals you can make out of your existing supplies. I found a website ( that has some free printable pantry/larder inventory lists and some for meal planning. If anyone has anything that works for them let us know! We don!!!8217;t want food perishing on-board, batch cooking rations is excellent <we have a cold store> and if we have any budding chefs !!!8211; a ship!!!8217;s cook wouldn!!!8217;t go amiss! Cheap, easy to make meals with a few ingredients are the order of the day.
    2. Out with the old!!!8230; Is there anything you can give to a new home? It occurred to me that this could be clothes, but could equally be old toys, DVDs, CDs or books etc. It could also be tins of food you found in your cupboard that you are never going to use. Lighten the load.
    3. A lucky charm!!!8230; Have you had chance to find yourself a good-luck charm? It!!!8217;s not compulsory but you might find it fun and that it helps!!!8230;
    Consider this...

    At sea !!!8211; before the days of GPS signals, sailors relied on the stars to navigate, along with their maps and a compass. Imagine if you will:
    • The stars as !!!8216;the constant!!!8217; !!!8211; you!!!8217;re guiding light. They tell you where you are heading. This is your end goal. Is that to become debt free? Maybe to save for an Emergency Fund? You can apply it to other goals like losing weight too. No matter what storms we weather over the next month !!!8211; that end goal will help stop you from becoming lost
    • Your map tells you how and when you'll get there. This is your Action Plan. This could be a written budget, a debt management plan, an exercise routine or a food diary. Whatever your goal !!!8211; break it down. Need help? Ask away!
    • Your compass is your internal motivation and drive and is why you are putting in all the effort. Having a map and directions is all well and good !!!8211; but unless you apply yourself and want to succeed they aren!!!8217;t much use. This is where your lucky charm comes in for this month.
    It is easy at the start of a fresh month to be driven and clear !!!8211; but as life washes over us, and the demands of work and family fill our mind !!!8211; it!!!8217;s easy to lose sight of our best intentions.

    Your lucky charm is a visible, tangible reminder of the promise you !!!8211; we !!!8211; are all making to ourselves today. Keep it near you when you check in!!!8230; look at it as you write your shopping list, and carry it with you when you go to buy your groceries!!!8230; Let it help keep you on track!!!8230;

    A Sailor!!!8217;s Charm

    Our journey starts afresh, anew
    The seas be calm, the sky is blue
    We see our goals, shining bright
    The way is clear, the end in sight

    The waves they roll and crash asunder
    The sky turns black, alive with thunder
    The rain pours down, a sheet of grey
    The light has gone, we lose our way

    It!!!8217;s then we grasp our Sailor!!!8217;s Charm
    To bring us luck, and ward off harm
    To light our way, and find our mark,
    When seas are cruel, and skies are dark

    Recall your goal afresh, anew
    It lights the way and keeps you true
    We shall not heed the siren!!!8217;s call
    We will not falter, we will not fall

    Last edited by abundant1972; 01-02-2017 at 8:48 AM.
    Ask do I 'want' or 'need' this before I spend
    Follow your heart & be true to yourself always
    Help To Buy ISA = £6046.13. EF = £2500/£4500
    NST : NSD=0/18 : Food & Spends=£0/£200.00
    Exercise : Joe Wicks 90 Day SSS Plan!
    • FurryBeastOz
    • By FurryBeastOz 1st Feb 17, 7:07 AM
    • 1,193 Posts
    • 15,845 Thanks
    Wow abundant. I'm really inspired this month. Signature updated as ordered. I have my lucky charm - will be loading it with luck to loan to my husband for his exam on Wedneday. Then I'll have it back.

    Stocktake - up to date. I'm doing the freezer/storecupboard challenge and working hard.

    Charity - planning a clothing declutter in the next couple of days.

    Budget - budgetted for February. Money moved to savings today.

    Sailing onwards.
    Goals - Weight loss 6/26lb at 22nd Jan 18
    • Bobarella
    • By Bobarella 1st Feb 17, 8:02 AM
    • 10,472 Posts
    • 69,775 Thanks
    Pinch punch first of the month and no touch backs
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • thriftylass
    • By thriftylass 1st Feb 17, 8:57 AM
    • 3,311 Posts
    • 27,089 Thanks
    Good morning, me hearties.

    Thanks for the great thread, Cap'n abundant.

    I report for duty. My planned spends are £350 for provisions and £280 for spends (which include getting the guest cabin in the bow of the ship back in ship-shape condition and more storage included). Also accounted for in that is my birthday party. As we wanted to restart our !!!8220;dinner club!!!8221; this year I might start then but as a pot-luck-party (everybody brings a dish) to keep down costs rather then having a proper birthday bash.

    I!!!8217;ll sign up for two triathlons soon and training needs to start in earnest, hence the planned 20 training days. We (DH and me) stopped smoking on new years day and I only had one lapse (party with friends). Feel great for it but it is still a struggle some days to not give in. And the newly heightened sense of smell takes some getting used to.

    This month we!!!8217;ll be busy finishing off the guest bedroom (relieving it from textured wallpaper, adding coving and a radiator cover to make it look more presentable and less 80s. I will also start work on the top deck cabin where the powder monkey and cabin boy sleep. It needs total reorganisation from when they were babies esp to fit more toys in that at the moment live in the living room. I obviously don!!!8217;t mind them playing downstairs but I want the living room to look more grown up again not like Toys!!!8217;r!!!8217;us. So, some major decluttering and sorting will be going on.

    I hope I can save on grocery spends this month as the icebox in our galley is well stocked with leftover items from big dinners, lunches etc. Should only need 2 SD a week as usual, but might need the odd buying diy stuff day unless I can combine them. So I!!!8217;ll aim for 18 SFDs.

    DH is away Wednesday night and most of Thu (I took the day off), so I should get loads of the above mentioned done. Plus I can!!!8217;t wait for some me time to be honest.

    Ahoy, and off we sail

    P.S. my lucky charm is a black matchbox Mazda that I had for 35 years. Pinched (borrowed) it from DS for the month. This used to be my favourite matchbox car and brings back font memories..
    Last edited by thriftylass; 01-02-2017 at 10:08 AM.
    NST May
    SFD6/20 spends 294/400
    Exercise 4/15
    Debt - all 0% 1010 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 104915 (02/18) OP 0
    • abundant1972
    • By abundant1972 1st Feb 17, 10:01 AM
    • 1,227 Posts
    • 9,215 Thanks
    Ahoy Shipmates!

    Well it occurred to me that as I have been so busy bossing everyone else around - I have yet to do my own review First off:

    Today I am grateful for:
    • The inspiration for this month's post, and the postings of people previously
    • A day off today to get myself in gear
    • My first coffee of the day
    1) Signature
    2) Grocery* and Spend budgets
    3) NSD target (15) set
    4) Gratitude
    5) Goal Review (see below)

    Goal Review:

    1) Becoming Debt Free. £1850 remaining on 0% interest cards. Aim to clear by the end of September when interest free period expires. That means I have to pay £231.25 per month off. I need to increase the amount I have been paying.
    2) Exercise/Be healthy. Going well. Exercised 12 days last month so set aside £3 x 12 into my CASH BONUS fund for my birthday. Need to get better with meal plans and not buy too many treats in (as I just eat them all in one go or over a few days). Plan - shop on Wed for Sat treat, and over weekend for Wed treat.
    3) Mindfulness. Tailed off as month progressed. Have set sessions back to 10 mins and trying to do each morning. Walks - great success. Did one every week (included in my exercise totals above).
    4) Mortgage. Progressing slowly. Regular savings going out towards deposit. Not thought about where I want to be (avoiding looking at it). Need to tackle!
    5) Overcoming anxiety. Social Fund worked well. Went out and enjoyed myself. Have used up February's just because I was invited to a social at the end of Jan after payday. Almost cancelled, dreaded it - but had the best night. Will be setting aside a pot for this every month. Usual rule - if I don't use - I lose (give away).

    Stock Take - to do today
    Clear Out - to do today
    Lucky Charm - Have a green crystal

    Have a fantastic 01st February everyone!!! As I said - give yourselves the week to get up and running, and don't worry - we won't sail off and leave anyone behind!!!


    I just want to say - although I work, I am (a) single with no family or kids to look after. (b) pretty reclusive due to anxiety issues and recovering from a bout of depression. (a) + (b) = Lots of time on my hands!!! (c) I am slightly OCD lol.

    I know I colour my posts and waffle on. That's what works for me and makes me happy. It's my creative outlet and keeps me focussed. I am not for one minute expecting the same from everyone. You give to this challenge what time you can, and your posts and page are your own. As long as you check in I'm happy.

    Now get up the rigging and get to work you swabbies!!!

    Last edited by abundant1972; 01-02-2017 at 10:10 AM.
    Ask do I 'want' or 'need' this before I spend
    Follow your heart & be true to yourself always
    Help To Buy ISA = £6046.13. EF = £2500/£4500
    NST : NSD=0/18 : Food & Spends=£0/£200.00
    Exercise : Joe Wicks 90 Day SSS Plan!
    • thriftylass
    • By thriftylass 1st Feb 17, 10:06 AM
    • 3,311 Posts
    • 27,089 Thanks
    Oh, yes, forgot sth too.

    Today I'm grateful for

    1) this great motivational thread and the people on it
    2) the internet, so I shop around for the best deals on my diy needs
    3) a warm jumper, the office is freezing
    NST May
    SFD6/20 spends 294/400
    Exercise 4/15
    Debt - all 0% 1010 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 104915 (02/18) OP 0
    • XSpender
    • By XSpender 1st Feb 17, 10:52 AM
    • 2,967 Posts
    • 30,519 Thanks
    Mind the Iceberg - Massive Post Alert

    Signature has been updated

    Still looking for a suitable lucky charm

    Stocktake will be done this evening

    Clear out - DS has had a growth spurt so will be having a look through his clothes to see what can be donated

    Spends - £400 This is to cover a takeaway for DH birthday on Saturday for us three and the DPIL which we will pay for, tickets for Lego Movie in 3D and a kids treat box for DS, 1 trip to the swimming baths, all meals and spends for a 3 day mini cruise to Amsterdam for 2 adults and 1 child. Any other spends on drinks at DS matches etc. will go in here.

    Home Improvements - £500: Painter and decorator for 3 rooms, paint for DS room, white emulsion, a poster, frame and a new light fitting for DS room and 4 knobs for his wardrobe. This will be 3 rooms of our new house completed

    Food Budget - £320 : Spent £68.99 already on a meat hamper and F&V box to be delivered today. Bearing in mind my spends last month were more like £600 this will be a real challenge but unless I get this area of my budget sorted the rest of it goes to pieces and I can't achieve the rest of my goals. I will do a stocktake tonight when DH is at gym and I know what veg has come in the box.

    I have paid to my debt first this month, including a big OP to CC. I have also topped our savings back up to cover the amount we spent last month and will aim to save another £200 to put me where I need to be to achieve my 2017 savings goal.

    Revisit 2017 goals:

    1) Save £1000 - back on track if I can save a further £200 this month
    2) Clear £20,000 in debt - will aim to have a total of £2000 paid off by end of Feb
    3) Change my diet - 2 false starts in Jan but have had a bit of an epiphany and am focussed on this again. Will be on the body coach 90 day sss plan - cycle 1 until 5th March and have meal planned until then. DH's diet plan set by the gym ends this weekend so he needs to decide how he wants to eat going forward so we both achieve our goals
    4) Fitness - attended all PT sessions, ran for the first time since last year, attended a class with a friend and signed up for a months classes in Feb
    5) Stop overspending on food - massive fail in Jan

    February Goals

    1) Stick to eating plan 1/23
    2) Attend a minimum of 8 classes in Feb (on top of 2 PT/WK) 1/8
    3) Run once a week 0/4
    3) Raise an extra £150 income
    4) Pay £1380 off debt £1198/£1380
    5) Arrange to visit Mum/Mum to visit
    6) Shop at Lidl/aldi, meal plan, batch cook, use up stores and achieve grocery budget for once in my life

    P.S. I don't normally spend this much or have this much money available! It's because I got a bonus at the end of Jan

    Today I am grateful for:

    1) Some me time this evening to make a start on my February plans
    2) The surprisingly low quote from the painter enabling us to get the work done in budget
    3) DS excitement about his first free music lesson today
    4) Friend offering to help with child care during half term so DS can attend a club
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£995
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • SpekySquarehead
    • By SpekySquarehead 1st Feb 17, 11:02 AM
    • 1,919 Posts
    • 15,423 Thanks
    Quickie from me;

    Today is not a NSD as I've had to pick up a few bits from SM and I've got football tonight.

    Should be sorted for the rest of the week though.
    Debt Free Date: 29/09/16
    • Bobarella
    • By Bobarella 1st Feb 17, 1:50 PM
    • 10,472 Posts
    • 69,775 Thanks
    Hey Guys

    Thrifty you have done so well with your no smoking thing. Particularly as I know you were struggling to knock the final one or two on the head. What a great start to the year!

    Well for myself my signature says it all. All guns firing for that final £399. Ideally by end March BUT my own personal iceberg is Bobs Big Bill of which I have waffled too much already. But is basically £1200 by end of March. It breaks down into two separate bills of £400/£800 both due at different points before end of March.
    My strategy at the moment is keeping on top of my business cash flow analysis like a hawk. I am updating daily now over the two month period concerned. Currently have a guaranteed £1800 before end of March, but that has to cover my standard monthly business outgoings (minus 1 month rent free) & keep us fed, which is one of my monthly responsibilities. I mean obviously all money goes into the same pot, but generally I find OHs money pays the vast majority of the big bill's then mine goes in when we need it, usually from around the 15th of the month onwards. I tend to pay for groceries, travel, kids spends, and the energy bill which goes out the day before OH gets paid again!

    I have already paid off £200 this month which I ear marked the council tax break for. I want to pay more but as above need to be cautious of how the big picture is stacking up over the coming two months.

    Today I am grateful for:
    1. Being able to look after my daughter and work around her. Although I have to fight to keep the toilet roll being pulled off in a heap whilst I try to use the loo. The cats water from being dumped all over the kitchen floor. The wet wipes from being flung over a wide radius when I'm distracted. My purse being raided and bank cards dumped on the floor... I wouldn't miss a day!
    2. Meeting exciting new people everyday through my work.
    3. OH being kind and supportive. Tomorrow we will be celebrating 17 years as a couple. I am a very lucky person.

    Last edited by Bobarella; 01-02-2017 at 7:32 PM.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • Toni'sfriend
    • By Toni'sfriend 1st Feb 17, 2:08 PM
    • 1,246 Posts
    • 12,133 Thanks
    Day 1 of the adventure;

    Pre-Boarding Tasks:

    Have checked stocks and, apart from the cabin boy's lunches and a few of his dinners, there should be enough to see us through.
    Cleared the kit bag and locker last week but will have to be extended to include the ward room, cabins and galley,
    Have my lucky, cute little purse in which I keep all my small change. I try to use this before anything else and it reminds me how small things are important.
    Done my signature - Hope it works


    Failed miserably with the weight loss. Have calculated it in pounds but if I can get back on track and loose just one pound a week I'll still reach the Island of Slimness by the end of the year.
    Got washed overboard on the alcohol consumption. Got three days this month when I have outings planned. I'll allow myself to splice the mainbrace then but, otherwise, I'm refusing the rum ration.
    Not much scope for walking on board but barring illness, hurricanes and waiting for workmen two miles round the deck every day.
    15 NSDs which would be easier if I could avoid the YS that I don't need, This month I'm viewing the dolphins from afar. Today stocked up on essentials for the voyage. Fruit and veg to avoid scurvy, sugar and snacks.

    So I've set sail. See you at roll call tomorrow.

    Grateful for:
    An emotional conversation with my brother in Canada
    The most wonderful cousin a person could have
    The posts on this thread for making me laugh out loud
    • Seasidegal58
    • By Seasidegal58 1st Feb 17, 2:09 PM
    • 1,921 Posts
    • 11,793 Thanks
    Thank you so much Cap'n Abundant for your wonderful instructions and I’ve now run up the gangplank to board ship and store my sack away under my bunk!

    I have my compass with me (YNAB!) and lucky charm (see below). I tried to bring the ship's parrot , but he flew away (i.e. I couldn't post his picture!) so perhaps one of the other crew will find one!

    Pre-Boarding Tasks:

    1) Take a quick stock-check of your cupboards/fridge/freezer. Be thinking of things you can cook up from these before you buy more. I <still> have 2 bags of buckwheat I haven't the foggiest notion what to do with hahaaaar! – I’ve had a good look through – I’ve actually got loads of stuff in the larder/freezer that can be utilitised. Will be cooking up some recipes along with the grog!

    2) You can't be taking everything on-board with you. Go through your drawers and wardrobes - is there anything you never wear and can give away? Lighten your load and hit your charity goal this month all in one go! - - I actually went through all my clothes/books/dvds, etc during a major overhaul in November and donated bits to charity and sent some clothing to dress agency - so looking good on this front. There are still some things with the dress agency that hopefully will be sold – next payment date mid-Feb!

    3) Look around your house and find something small that you can carry around with you... something that you think of as lucky... Where we be sailing to - a good luck charm might be just the ticket. No priceless family heirlooms mind haha. If nothing springs to mind - maybe next time you're out - find a little stone or pebble that you like the feel of... or a twig to decorate. It doesn't have to cost - be creative. – Funnily enough I have a little charm that my dear dad used to keep on his keyring – it’s in the shape of a sailor believe it or not! (he was in the merchant navy). I actually keep it in the cross-over handbag I use when on holiday for luck!I will transfer it to my usual handbag.

    • A signature if you can – Already implemented!
    • Set your food and spends totals – My food/household budget is £30 per week, but what I actually do is get a supermarket delivery for when I get paid for things to last the month and then whatever is left from the monthly £120 I split into three and use this for topping up – milk, fruit, veg etc. I get paid on the 25th of each month so I already did my shop for 25th January. Week 2 has started today and I have £8.08 per week till 25th February. Re other spends, I have £33.17 left over from last week and £100 for the next three weeks till payday. I do have a couple of lunches out with friends/family planned, but do hope at the end of month I can put any residual funds into my emergency fund. However, February is an expensive birthday month for me - I have already emailed an Amazon voucher yesterday to my DD's OH for his birthday and will have to top up the Birthday/Gifts budget later in the month.
    • Set your NSD goal - as I managed 17 days for January’s thread (out of 16) I will try again for 17 NSDs
    • Post 3 things you are grateful for – will be back this evening with this!
    • Briefly re-state your goal(s) for 2017. Are you on track? – The goals I posted on the January thread were: “finish off my emergency fund then save enough for new kitchen. Also I want 2017 to be the year I finally get back to my fighting weight!” Emergency fund is currently on track to finish in April (fingers crossed!). Weightwise I joined the gym at the weekend and am going back onto the the good old 5:2 diet!
    Will post later this evening with final recap for 1st February!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Seasidegal58
    • By Seasidegal58 1st Feb 17, 2:12 PM
    • 1,921 Posts
    • 11,793 Thanks
    Hey Guys

    3. OH being kind and supportive. Tomorrow we will be celebrating 17 years as a couple. I am a very lucky person.

    Originally posted by Bobarella

    Happy anniversary to you and OH for tomorrow Bob!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • 1LuckyLady
    • By 1LuckyLady 1st Feb 17, 2:22 PM
    • 803 Posts
    • 7,476 Thanks
    Fantastic posts Abundant, I'm ready to set sail for islands new

    Pre boarding checks
    ** Freezer inventory & use up box inventory written up in my bullet journal - Check
    ** Cleared lots last month but have a charity bag hung on the hooks in the galley for anything else I come across - Check
    ** Lucky Charm, I've struggled with this one but have decided that my lucky charm is going to be my screen saver photo of my kids on my phone, as its something that is always with me and provides great comfort and clarity at times - Check

    My January goal was to lose weight, go to the gym every weekday and fast at least one day a week. I didn't to well but have a new plan in place and will add this to my signature to keep me motivated.

    I am grateful for balancing my budget for January
    I am grateful for having a week off with the family to look forward to at the end of the month (Shore leave requested Captain )
    I am grateful for my umbrella as I am definitely going to need it on the school run

    Today is a nsd, I have been to the gym and I've balanced the books so a good first day
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • thriftylass
    • By thriftylass 1st Feb 17, 2:40 PM
    • 3,311 Posts
    • 27,089 Thanks
    Today was my first spend day. £15 on a grocery top up and £4 on sushi. This will be my payday treat every month from now on to give me a reward at the end of the month for good behaviour (no smoking, less drinking, going to the gym, lunch to work the rest of the time etc). Also ordered some shelving, a radiator cover and a book case for my reorganising mission (£100). As I had to do this at lunch time I didn't manage to fit in the gym and tomorrow I'm off so I'll adjust my gym target.
    Last edited by thriftylass; 01-02-2017 at 2:44 PM.
    NST May
    SFD6/20 spends 294/400
    Exercise 4/15
    Debt - all 0% 1010 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 104915 (02/18) OP 0
    • Calling14
    • By Calling14 1st Feb 17, 2:51 PM
    • 2,703 Posts
    • 19,750 Thanks
    Am I late ? Don't go without me just scurrying along now with my bag.
    Hopefully Mothernerd got enough loo rolls for us all.

    Happy Anniversary for tomorrow.

    Furry beast - amazing weight loss well done

    Updated my signature - shrunk it to fit this challenge on as well.
    Hope DFD will be October not sure manage 406 a month. Some months are better than others - I get paid weekly. February bit of a struggle but March looks better 5 weeks woo hoo.

    Other goals a holiday/ break away, lose some weight and get fitter - didn't attempt any exercise Jan with chest infection. Put on weight yikes!

    Lots of supplies in, Might be tomorrow by time I check it. Want to enjoy some sunshine today so stressed out in work.
    Charity bag filling will begin tonight - have a bag by my bed ready.

    Lucky charm - can I bring a Fraggle along? He's cute.

    Today bought some salad stuff, bread and a plant oops. Total spend 3.20.
    Been craving lettuce how weird am I?

    Grateful for
    Receiving survey vouchers 12 pounds in total, 5 pounds credit back off sky after querying my bill - so free next month.
    Dry day, hope my washing has dried a bit
    Getting on board with this challenge my budgeting needs a shake up. I just about manage with no reserves lately. Too focused on debts need to wake up a bit and get savings behind me.
    LBM 13039 1.1.13 Start 2018 £5552 NOW £3112
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 £2440/£5552 DFD 12/18
    Fund #9 £220/£1,000
    1 x 100 days challenge

    • smallholdingsister
    • By smallholdingsister 1st Feb 17, 5:50 PM
    • 3,591 Posts
    • 30,128 Thanks
    Is it February?
    My only goal is to be less overdrawn this month.
    Money out (by DH £48 petrol and £5 on toothpaste and DW tablets).
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