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  • FIRST POST
    • apple muncher
    • By apple muncher 28th Apr 19, 1:00 PM
    • 8,927Posts
    • 68,821Thanks
    apple muncher
    NST May 2019: May merriment
    • #1
    • 28th Apr 19, 1:00 PM
    NST May 2019: May merriment 28th Apr 19 at 1:00 PM
    NST May 2019: May Merriment


    The NST turtles are a merry bunch.

    We are about health, wealth and a life well-lived. We want to enjoy life and live it to the full. We aim to be debt-free, to be mortgage-free, to live within our means, to have a full life without paying full prices for it. We are not solely about the money. We make lots of lists, we plan ahead, and we look at life – and ourselves – holistically.


    Dedicate yourself and be focussed for the next 31 days. Work out what you truly need and learn to separate your needs from your wants. We are bombarded by messages that tell us that we need to continuously spend more and more, to acquire more and more, in order to be better and happier and more fulfilled people. DO NOT BELIEVE THE LIES.


    And will you succeed?

    Yes you will, indeed!

    98 and ¾ percent

    Guaranteed!

    So says Dr Seuss


    So, what can we do about it?

    Make a budget and stick to it. This is the key to stopping overspending. If you don’t know how much to budget, then use this month to note down everything that you spend in a notebook, to analyse at the end. Take your notebook with you everywhere. Every day. Get receipts for every purchase and then note it down. Some use YNAB; others have spreadsheets; others use pen and paper. Find what works for you and stick to it. Every spend moves you nearer to or further away from your goal. May the odds be ever in your favour!

    Enjoy the month. Do things that make you happy. Don’t be shackled by other people’s demands, schedules and expectations. Be free to be you. “You have brains in your head. You have feet in your shoes. You can steer yourself any direction you choose” Dr Seuss

    Read. “You can find magic wherever you look. Sit back and relax. All you need is a book” Dr Seuss. Take time to read for fun, for information. Read aloud, read in your head.

    Reduce, reduce and reduce some more. Reduce what comes in. Reduce what you use. Reduce what you spend. Reduce what you need. Reduce how you ‘waste’ your time. Reduce screen time. Reduce electricity usage. Reduce gas usage. Reduce water usage. Reduce the amount of rubbish you throw away. Got it?!

    Increase, increase and increase even more. Increase meal planning. Increase recycling. Increase wombling (think Uncle Bulgaria – making good use of the things that we find; things that the everyday folk leave behind). Increase walking. Increase being outdoors. Increase appreciating what you have. Increase the discovery of joy in your life. Increase your skills.

    Move it! If you are exercising already, then up the ante. Go further, faster, heavier. If you cannot exercise then just keep moving as much as you can. For all of us, whatever your goal is, keep doing things that move you closer to it.

    Every day may not be good, but there is something good in every day. Let’s make May a month of being grateful for all that we have. Post 3 gratitudes every day.

    No! to wants, to treats, to coffee shops, to the work canteen, to vending machines, to takeaway establishments. You get the picture! Plan ahead, take food and drinks out with you to avoid the temptation of a ‘deal’. Especially with the half term break and little people wanting things.

    Think of others.Be kind. Smile. Talk to a neighbour. Donate to charity or the foodbank. http://www.trusselltrust.org/

    The Rules:

    We start on May 1st and continue to the very end of the 31st.

    16 NSD: you have 15 days to spend, so use them wisely, especially with the Bank Holidays and half term this month. Petrol, medications and emergency travel needs are exempt. As are reduced items if that is all you buy. If you have milk guzzlers, or have to pay for items/activities in cash, get the money out in one go and put it aside so that you can maintain an NSD if that is all you spend.

    Pay to your debt/savings FIRST and live off the rest. That is why you do a budget and note down every single spend in a notebook.

    Plan the month: every single day: what you are doing, what you are eating, especially with the Bank Holidays and half term, birthdays, anniversaries.

    Check in every day. Short posts, long posts, ups and downs. Turtles are gregarious and friendly, they look after each other and encourage each other out of their shells.

    NST June ninja #1; NSD 14/16; Ex 15/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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???
Page 19
    • Toni'sfriend
    • By Toni'sfriend 24th May 19, 3:25 PM
    • 1,986 Posts
    • 20,082 Thanks
    Toni'sfriend
    NSD No 12

    Himself offered to take me for lunch today since I didn't get yesterday, as planned, but I felt he wasn't quite 100% yet so we have just stayed in. It would have been a waste of money and we have loads of food in the house. So we've had a bit of a quiet day. It's been quite nice really.

    Reliving our recent trip to Germany by having Currywurst and chips for dinner. Not particularly healthy bu very delicious.

    Still reading my next book and have downloaded lots for our impending holiday. Lots to do next week before we go. Apart from that not much happening here.

    Have a lovely weekend,
    • Kerry Woman
    • By Kerry Woman 24th May 19, 4:48 PM
    • 2,773 Posts
    • 28,068 Thanks
    Kerry Woman
    NSD today - 20/20.
    Grateful for:
    Agency checking dates if I am available - hoping to get more shifts. Will let me know next week if I have work.
    Decluttered a few bits.
    Little bit of housework.
    Started a list for June food shopping.
    Frugal Living Challenge 2019
    Mortgage free as of 1st August 2013
    NST June 2019 - Ninja powers NSD 18/20
    • greent
    • By greent 24th May 19, 5:21 PM
    • 8,114 Posts
    • 82,390 Thanks
    greent
    Thankful for: half term being here!, CB being paid early (I - like f0xh0les - also hadn't realised ), a good morning at work

    Very little planned for next week except some catching up on housework and much relaxing. Some minor trips locally, perhaps - depends on weather
    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) £1972.10/£5K
    Net sales 2019 £173.62/£500
    • apple muncher
    • By apple muncher 24th May 19, 6:58 PM
    • 8,927 Posts
    • 68,821 Thanks
    apple muncher
    Today I am grateful for getting through a tough workout, for balm tissues (for dd, poor thing, I kept her off school!), for raw veg coleslaws, for a good meeting with the catering manager at the posh school, for using the sainz points offer x3, for deciding not to force myself to read a library book as it didn't appeal, for the washing drying outside, for a helpful and cheerful techie person at the other end of the phone sorting me out.


    f0xh0les - I guess it must be a hole in the space-time continuum. I keep thinking of when Lister and Cat find one in the showers...
    NST June ninja #1; NSD 14/16; Ex 15/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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???
    • mothernerd
    • By mothernerd 24th May 19, 8:28 PM
    • 2,885 Posts
    • 31,351 Thanks
    mothernerd
    Sorry to be awol but feeling a bit dazed and confused. A bit down because cleaning half a quite small bathroom took so much out of me - admittedly it has been a while since most of the things I was doing hadn't been touched for a while and I did use both arms and then both legs during the cleaning (as each body part in turn started to scream at me). Positive thinking says I should be grateful for being able to do it at all and the pain is just the price of my achievements (repeat often enough I might start to believe it).

    This morning i woke at 5.30am but was so scared of falling asleep, tried reading to relax but not get too relaxed. Had a bath , a horse chestnut bath and I like my new handles - not sure how helpful they are but new getting out of the bath/ exercise opportunities available.

    Went to the bus stop in plenty of time (times have changed slightly and I was never sure if they were 5 to or 5 past the hour in the first place) but it either failed to turn up or I missed seeing it, so ended up walking to exercise class. Bit of a struggle especially as the tiny hayfever tablets decided to hide this morning and at 5.30 am it didn't look as though it was going to be sunny.

    Made it gasping and wheezing and less than 10 minutes late, the next bus hadn't arrived when I got there (actually quite a good time just got slower and slower as I went along). Good exercise session but was totally wiped out by the end so came home via little arseda and have stayed upstairs all afternoon. Have done a food delivery order but was only scheduled to arrive this evening and had already eaten the last yoghurt/ piece of fruit etc (and Icyland didn't have a couple of things I wanted).

    Spent too much and not sure I have everything I need - I need to spend some time thinking about what I'm eating and having lots of grab and go healthy food available. I've eaten from mum's freezer and cupboards twice this week.

    Today I am grateful for all that I have done this week, for starting to feel more like doing things and for plans to start scheduling more in - mixture of routine, necessary and pleasurable jobs as recommended on last year's CBT courses.
    Changing to a Life of Simplicity and Serenity with added rainbows
    NST Jun #13 SFD 6/15 Food 55.25/£160 Travel £13.60/20 Ent 0/12 Diy 10/£10 Ext trainers, sodastream
    No Debt No mortgage
    • sashanut
    • By sashanut 24th May 19, 10:28 PM
    • 3,126 Posts
    • 29,592 Thanks
    sashanut
    No 10 checking in
    Hi all

    Budget: No food shopping today thank goodness but still spent a bit.
    Enjoy the month Out to exhibition, did not have to pay the car park fee of £7 but then bought 2 sandwiches & 2 teas - cost £11. And the sandwiches were quite stale....disappointing - will take own food when we go again.

    Read Yep will be reading in bed soon. 2 widely differing books on the go atm.

    Reduce, reduce and reduce Emptied large kitchen compost bin into one of even bigger compost Daleks in garden.

    Increase Still to do.

    Move it! A bit of walking at the venue. Awake early so got up & let beasts out before it got too hot. Then did some potting on in greenhouse & watered garden.

    Post 3 gratitudes every day Grateful for pleasant day out, DH randomly being offered a job finishing an art book, message from an old friend in the US.

    No! Planned meal out today, but won't do that again.


    Think of others Made DD a proper meal before she went out, instead of the rubbish she was planning to eat.

    16 NSD: STILL stuck on 7/16 yep

    Pay to your debt/savings OK

    Plan the month: weekend full of RL

    Check in every day Here I am, hello folks
    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
    • apple muncher
    • By apple muncher 25th May 19, 6:35 AM
    • 8,927 Posts
    • 68,821 Thanks
    apple muncher
    Today is the perfect day to be happy.



    Do at least one thing today that makes you happy.



    Enjoy your Saturday
    NST June ninja #1; NSD 14/16; Ex 15/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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???
    • mothernerd
    • By mothernerd 25th May 19, 9:58 AM
    • 2,885 Posts
    • 31,351 Thanks
    mothernerd
    Woke at 4 am - need to sort my sleep pattern properly. Have eaten something that didn't agree with me, resulting in weird and not so wonderful dreams -
    eg 1 - saw a brown 'mouse', then a grey one, then thought they were too long for mice
    eg 2 - walked into my bedroom to see a large puddle extending out on both sides of the bed, then a large brown and black tom cat shot out from under it (think that must have been the first as I remember thinking they had left the back door open)
    eg 3 - back to when DS1 was little and I looked after my friend's 3 children, we had the inevitable 'nit' letter sent home from school and I was trying to work out where the nearest chemist's were from an unfamiliar part of town, only to find that other mum's had stripped them (and I'd only thrown the nit combs we had out the week before).

    So next month (starting now for me) will be back to basics -
    Budget under control (maybe review to start with as some bits have come unravelled)
    Eat properly (and reduce intake)
    Drink lots of water/ reduce diet coke Again
    Moisturise, especially feet. Buy some properly supportive shoes. think about going back to the doctor/ referring myself to physio to see what else I can do about my foot
    Build up a schedule - timetable routine, necessary and pleasant activities
    Tackle housework, starting with a deep clean
    Be happy
    Have fun

    Investigate underlining anxieties to see what can be eliminated - the dreams were all things that could/ have happened but wildly exaggerated. Write a frog list for things I have been neglecting.

    Going to have a lovely day and hope all turtles do too.
    Changing to a Life of Simplicity and Serenity with added rainbows
    NST Jun #13 SFD 6/15 Food 55.25/£160 Travel £13.60/20 Ent 0/12 Diy 10/£10 Ext trainers, sodastream
    No Debt No mortgage
    • f0xh0les
    • By f0xh0les 25th May 19, 10:11 AM
    • 2,300 Posts
    • 20,828 Thanks
    f0xh0les
    Just lost a whole post!!! Boo, hiss!

    Enjoy the sunshine. It looks like Le Shire is missing the rain on Monday.
    Plans for half term
    **trip to Lido

    **free museum with gelato/sticky doughnut bribe
    **Endgame (still not made it - £5 each+ smuggled popcorn)
    **Lego Movie 2 (on K1dsclub all week - £2.50)

    ** Day in the park with bikes / scooters / picnic and a surprise visit from DH who works 1 minute away)
    ** local small nature reserve, less than 1 1/2 miles away but never go over that way except to visit the German supermarket. So will take a detour.

    Right, coffee, and then to the market-lots of lovely berries to freeze for kids to make smoothies and healthy puddings.

    This time next week is the 1st of June, so going to make this week count. Just off to tot up the NSDs... it looks like 11, with a week to go.
    MFW START1/5/16 £118,340 Oct17£109,49 12/17 £108,801/18 £108,39 3/18 £108,50 4/18£108,10 5/18£106,99 6/18£105,99.7/18£105,308/18£103,99 9/18£102,99 10/18£101,999 11/18£101,300 12/18£100,700,1/19 £99,999.99 2/19 99,500 1/3 £98,999.991/4 £98,500 1/5 £97,999.99 1/6 £97,500

    MFW 2019 #65
    L&C Referal code- https://referme.to/GNNHtJo
    • f0xh0les
    • By f0xh0les 25th May 19, 10:17 AM
    • 2,300 Posts
    • 20,828 Thanks
    f0xh0les
    Have eaten something that didn't agree with me, resulting in weird and not so wonderful dreams -

    Investigate underlining anxieties to see what can be eliminated - the dreams were all things that could/ have happened but wildly exaggerated.
    Originally posted by mothernerd

    Must have been something in the air last night mothernerd. Dream 'me' slept with Piers Morgan last night. WTF that is about I have no idea, was so traumatised I could not go back to sleep so have got loads done already this morning. I may never sleep again!
    MFW START1/5/16 £118,340 Oct17£109,49 12/17 £108,801/18 £108,39 3/18 £108,50 4/18£108,10 5/18£106,99 6/18£105,99.7/18£105,308/18£103,99 9/18£102,99 10/18£101,999 11/18£101,300 12/18£100,700,1/19 £99,999.99 2/19 99,500 1/3 £98,999.991/4 £98,500 1/5 £97,999.99 1/6 £97,500

    MFW 2019 #65
    L&C Referal code- https://referme.to/GNNHtJo
    • apple muncher
    • By apple muncher 25th May 19, 10:35 AM
    • 8,927 Posts
    • 68,821 Thanks
    apple muncher
    I'm sure I was dreaming in spanish... and another dream involved brighton pier.
    NST June ninja #1; NSD 14/16; Ex 15/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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???
    • f0xh0les
    • By f0xh0les 25th May 19, 1:18 PM
    • 2,300 Posts
    • 20,828 Thanks
    f0xh0les
    Muelle de brighton?

    Maybe it is the heat that is making us all have strange dreams.

    Hasta luego cocodrilo!

    MFW START1/5/16 £118,340 Oct17£109,49 12/17 £108,801/18 £108,39 3/18 £108,50 4/18£108,10 5/18£106,99 6/18£105,99.7/18£105,308/18£103,99 9/18£102,99 10/18£101,999 11/18£101,300 12/18£100,700,1/19 £99,999.99 2/19 99,500 1/3 £98,999.991/4 £98,500 1/5 £97,999.99 1/6 £97,500

    MFW 2019 #65
    L&C Referal code- https://referme.to/GNNHtJo
    • Toni'sfriend
    • By Toni'sfriend 25th May 19, 1:42 PM
    • 1,986 Posts
    • 20,082 Thanks
    Toni'sfriend
    I thought it was just me! I've been having the most bizarre dreams for weeks now - sometimes waking up in an absolute panic. I thought it must be something I was eating but couldn't figure out what. Himself thought I was worrying about something. Must be the heat!
    • Toni'sfriend
    • By Toni'sfriend 25th May 19, 4:05 PM
    • 1,986 Posts
    • 20,082 Thanks
    Toni'sfriend
    NSD No 13

    Himself and I had a short walk today. There's a big football match on here today so not the best day to be wandering about.

    Got tomorrow's dinner in the slow cooker and just about to put tonight's in the oven. Freezer is really full to bursting.

    On the child front, I seem to have made some sort of connection with the one I had a real go at last week. He has now started to come to talk to me (about school and the things he likes) and is so much better behaved. We're working on why it is not necessary to swear. It obviously has had some kind of knock on effect because he and his friend keep asking to water my plants and are tidying up after themselves. My bin is full. Himself said to me that one of his old teachers said children just need to know the rules and know where they are. Maybe it's just that and a bit of encouragement in this case. Possibly giving them a little bit of responsibility helps. The problem is when the once who are a bigger egg them on to do things they shouldn't but I'm working on that.

    So, I've had a nice day. Hope all is well with you.
    • Kerry Woman
    • By Kerry Woman 25th May 19, 4:22 PM
    • 2,773 Posts
    • 28,068 Thanks
    Kerry Woman
    Was a spend day.
    Informed the man who came round to do the odd job in the flat that my Mum passed away. He had met my Mum as he did jobs in the flat previously. He saw that I had painting and new carpet done in the flat and asked me if I was moving. Told him that I was planning to.
    Sent off Mass intentions with donations to the Priory where I have been before. I get the Priory newsletter every few months.
    Grateful for:
    Having the last bit of work done in the flat that was needed to be done.
    Hairdresser coming round to cut hair.
    Went to parkrun. Walked it.
    Having a chilled out day.
    Frugal Living Challenge 2019
    Mortgage free as of 1st August 2013
    NST June 2019 - Ninja powers NSD 18/20
    • apple muncher
    • By apple muncher 25th May 19, 6:33 PM
    • 8,927 Posts
    • 68,821 Thanks
    apple muncher
    Ooh, Kerry - does that mean you've finished all the jobs in the flat? That'll bring moving so much closer - well done.


    Today I'm grateful for yet more library books, for unravelling a jumper with dd and she wound up the wool, for dd's cold being so much better, for a bodyweight workout, for birdsong, for a better night's sleep, for 85% chocolate, for a peaceful day.
    NST June ninja #1; NSD 14/16; Ex 15/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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???
    • sashanut
    • By sashanut 25th May 19, 10:42 PM
    • 3,126 Posts
    • 29,592 Thanks
    sashanut
    No 10 checking in
    Hi all

    Budget: No spends today

    Enjoy the month Nothing planned as yet for the rest of the month.

    Read Yep will be reading in bed soon. 2 widely differing books on the go atm.

    Reduce, reduce and reduce More paper rubbish bagged up in office.

    Increase Still to do.

    Move it! An hour in the garden & greenhouse before it got too hot.

    Post 3 gratitudes every day Grateful for DH doing the buffet, lovely clematis opening in the sunshine, compliment from DH (very unusual)


    No! no eating out today.


    Think of others
    Ironed DD s trousers.

    16 NSD: Now 8/16

    Pay to your debt/savings OK

    Plan the month: weekend full of RL

    Check in every day Here I am, hello folks
    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
    • apple muncher
    • By apple muncher 26th May 19, 7:33 AM
    • 8,927 Posts
    • 68,821 Thanks
    apple muncher
    Sunday is a perfect day to choose a new path in life;

    don't be afraid of the changes -

    they come when they are really needed.


    Have a wonderful Sunday
    NST June ninja #1; NSD 14/16; Ex 15/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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 26th May 19, 7:47 AM
    • 8,114 Posts
    • 82,390 Thanks
    greent
    Thankful for family - one of my cousin's got married yesterday (fab match to their new partner - very well suited) so it was a chance to catch up with family Also thankful for an aunt donating her unwanted phone to one of my children - pesky child has managed to smash tablet screen and iPhone screen this week! :grr: And also thankful for finding a dress for another wedding for <£20 in M&S sale!!!! I do need a fascinator - all of mine are too dark in colour - but our local CS shop has a shelf of new ones in various colours in for £5, so I shall have a look in there (otherwise I shall see if my mum has one in an acceptable colour) (dress is much paler than my usual style) Oooh - also thankful for cheap bar prices at wedding do! (£7.50 for a pint and a very large vodka tonic!) (although I did only have 1 drink last night - too tired to want to drink much and not a fan of fizzy soft drinks)

    Today = some housework and some homework and hopefully also something more fun for everyone!

    xx
    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) £1972.10/£5K
    Net sales 2019 £173.62/£500
    • dolly84
    • By dolly84 26th May 19, 7:59 AM
    • 4,552 Posts
    • 42,165 Thanks
    dolly84
    Morning all


    You lot and your dreams, f0xh0les, Piers Morgan of all people, yuk, I hate the smarmy creep. Also what is the 'heat' you are all speaking of? We're not getting it.


    I'm off work this coming week and it is really bad timing as far as my job goes, I won't bore you with the details but I have decided that temporary contracts are not for me, it is too hard getting to know people and learning a new job and then having to leave and start all over again somewhere else, a week here and there isn't too bad but the longer term ones are where the problems arise.


    Small spends yesterday. Not sure what today's plans are as it is raining at the moment.


    DD got back from her D of E on Friday and could barely walk, she had carried the Trangia in her bag, all her kit and roll mat and strapped to the top of her bag was a 3 man tent, she should have stood up for herself about carrying that for 6 hours on Thursday and the same on Friday. This was a practice so we are buying her a tiny one man tent for the actual expedition and the other girls can carry their own tent.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
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