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  • FIRST POST
    • mothernerd
    • By mothernerd 29th Jan 18, 8:24 PM
    • 2,366Posts
    • 24,604Thanks
    mothernerd
    NST February A FOREST ADVENTURE
    • #1
    • 29th Jan 18, 8:24 PM
    NST February A FOREST ADVENTURE 29th Jan 18 at 8:24 PM
    NST February

    A FOREST ADVENTURE

    For February, I want to take you on a trip to the Fantasy Forest. This is no domestic wood. The Fantasy Forest is packed with dense green foliage and bright flowers. It is dense and humid. (You may want to retreat there for a few minutes each evening).

    The forest is wild and dangerous. There may be traps (broken boiler/ burglary). The animals may not all be friendly. We may encounter snakes, monkeys or polar bears (salesmen, procrastination, totally unexpected) to slow our journey or force us from the path to debt freedom.

    The insects will undoubtably bite. We may succumb to lurgy or delirium (getting am*z0n to send a drone won't really hurt, will it?). Youngsters and young adults will be joining us during half term and we must make provision for them.

    How will we survive. We will prepare and plan thoroughly. We will think what we need (not want) and stick to our goals, find solutions when set backs occur. We need to be as fit as possible (physically, mentally, spiritually and financially). If we are under par, we must take steps to right this.

    When it's hard, we will just keep plodding. We will help and encourage those who are struggling or suffering and celebrate any and all success. No turtle gets left behind.

    The forest is beautiful and magical. Enjoy the journey.

    THE RULES

    Always pay to debts or savings first, live on what is left.

    First of February until the 28th, inclusive. All turtles commit to following the rules.

    Organise your budgets before the start of the month and stick to them.

    Reserve a small portion of your budget (cash or goods) for the food bank or charity of your choice.

    Environment Be aware of your surroundings and use all your senses. Be alert to danger but also to beauty.

    Stock take your cupboards, fridge and freezer. Base your meal plan upon them and your shopping list on what is needed. Stick to your list.

    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions).

    Always take your lunch to work and snacks and drinks for outings or appointments (may excuse one trip with children or allow ice creams etc if part of the experience).

    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another.

    Valentine Who? We will not be celebrating commercialism or bad taste. Do your own thing. Practice kindness to all and don't forget yourself. Treat yourself kindly, like a friend or someone you love and care about. Smile, hug, say hello (I understand these things are culturally unacceptable in London and some southern regions - try to change it but don't get arrested or committed). Small gestures of kindness may make someone else's day.

    Exercise 5 times a week please. It should be commensurate with your abilities and current state of health (be careful after flu/ viruses). Getting outside helps with mantal health too.

    NSDs are staying at 18 this month. that is still 10 days available for necessary shopping. There would be far fewer opportunities in the forest. Exceptions for medical care, petrol (should be within budget), bus fares, ys bargains and milk for greent.

    Throw
    it away. We should all be aware that there is no such place as 'away' and recycle or donate appropriately but we all have too much stuff and even if you are ill, getting the rubbish and recycling helps slow the descent into chaos.

    Use what you have. Fix something (for free if possible). Make something from a cardboard box (ideas for half term). If you have time, it may be useful to go round your house making a list of things that need fixing. Some may need to wait for better weather but when you are repaying debt and the focus is on that, you may find your house looking rather shabby. If you have a list of things that can be fixed or improved at little or no cost, it can give you a lift and a sense of progress.

    Refuel properly. You ask a lot of your body, give it the fuel that it needs - healthy food, water, a reasonable amount of sleep. Refuel your mind and spirit by taking time to relax and rewind.

    Elephants and Frogs. We all have them. For newer turtles who have never visited Flylady, a frog is any task you have been putting off - eg a difficult phone call. Over time the small task has become a giant obstacle. Tackle the frog and the rest of your day will be a breeze.
    An elephant is such a huge task that you just do not know where to start. How does one eat an elephant? One bite at a time. elephants need to be broken down into small manageable pieces. i want to hear about lots of frogs being eaten and the odd elephant being cut down to size. (That will leave us with more time to hide from the polar bears).

    Along the way we will have daily inspiration. This challenge is intended to be hard (several turtles were already anticipating a difficult month) so this month's quotes are going to be gentle and nurturing.

    They are not a get out of jail free card, but when you are having a difficult day, just focus on the quote of the day, take comfort from it.

    There may also be mini challenges, but these are optional.

    So who is tough enough for the turtle challenge.











    This year I will be fierce
    NST May #13 SFD 9/19 Food £122.13/£120 Travel £11.70/£15 Ent £22.44/£30 (+ £20 membership fee)
    No Debt No mortgage
Page 3
    • indigowarrior
    • By indigowarrior 1st Feb 18, 4:15 PM
    • 510 Posts
    • 3,708 Thanks
    indigowarrior
    Please sign me up. I am aiming for 18 NSDS
    Always
    pay to debts or savings first, live on what is left. Currently saving up for a rental deposit. All spare money goes in there.

    First of February until the 28th, inclusive. All turtles commit to following the rules.

    Organise your budgets before the start of the month and stick to them. Done

    Reserve a small portion of your budget (cash or goods) for the food bank or charity of your choice. Oh good one will have to have a look and see what charity to donate to.

    Environment Be aware of your surroundings and use all your senses. Be alert to danger but also to beauty.

    Stock take your cupboards, fridge and freezer. Base your meal plan upon them and your shopping list on what is needed. Stick to your list. Already done.

    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions). I meet an elderly friend once a fortnight. I am not really willing to stop that as due to my mental health I am not getting out of the house much.

    Always take your lunch to work and snacks and drinks for outings or appointments (may excuse one trip with children or allow ice creams etc if part of the experience). Will do.

    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another. I will need to think about this.

    Valentine Who? We will not be celebrating commercialism or bad taste. Do your own thing. Practice kindness to all and don't forget yourself. Treat yourself kindly, like a friend or someone you love and care about. Smile, hug, say hello (I understand these things are culturally unacceptable in London and some southern regions - try to change it but don't get arrested or committed). Small gestures of kindness may make someone else's day. I am happily single.

    Exercise 5 times a week please. It should be commensurate with your abilities and current state of health (be careful after flu/ viruses). Getting outside helps with mental health too. Will try to do this, within existing constraints. Sometimes just doing the housework will have to do!

    NSDs are staying at 18 this month. that is still 10 days available for necessary shopping. There would be far fewer opportunities in the forest. Exceptions for medical care, petrol (should be within budget), bus fares, ys bargains and milk for greent. This should be easy enough. I am doing a £1 a day per person food and drink challenge for the whole month.

    Throw
    it away. We should all be aware that there is no such place as 'away' and recycle or donate appropriately but we all have too much stuff and even if you are ill, getting the rubbish and recycling helps slow the descent into chaos. Will continue with this

    Use what you have. Fix something (for free if possible). Make something from a cardboard box (ideas for half term). If you have time, it may be useful to go round your house making a list of things that need fixing. Some may need to wait for better weather but when you are repaying debt and the focus is on that, you may find your house looking rather shabby. If you have a list of things that can be fixed or improved at little or no cost, it can give you a lift and a sense of progress

    Refuel properly. You ask a lot of your body, give it the fuel that it needs - healthy food, water, a reasonable amount of sleep. Refuel your mind and spirit by taking time to relax and rewind. I will try to improve my sleep.

    Elephants and Frogs. We all have them. For newer turtles who have never visited Flylady, a frog is any task you have been putting off - eg a difficult phone call. Over time the small task has become a giant obstacle. Tackle the frog and the rest of your day will be a breeze.
    An elephant is such a huge task that you just do not know where to start. How does one eat an elephant? One bite at a time. elephants need to be broken down into small manageable pieces. i want to hear about lots of frogs being eaten and the odd elephant being cut down to size. (That will leave us with more time to hide from the polar bears). Plenty of these beasts going on at the moment

    Along the way we will have daily inspiration. This challenge is intended to be hard (several turtles were already anticipating a difficult month) so this month's quotes are going to be gentle and nurturing.

    They are not a get out of jail free card, but when you are having a difficult day, just focus on the quote of the day, take comfort from it.
    #545- SPC/ Frugal Living Challenge May NSD 3/19
    • WelshKitty85
    • By WelshKitty85 1st Feb 18, 4:48 PM
    • 657 Posts
    • 5,915 Thanks
    WelshKitty85
    Always pay to debts or savings first DONE

    First of February until the 28th, inclusive. All turtles commit to following the rules.

    Organise your budgets before the start of the month and stick to them. WORKING ON THEM AS WE SPEAK

    Reserve a small portion of your budget (cash or goods) for the food bank or charity of your choice. DONATION DONE TO THE WALES AIR AMBULANCE

    Environment Be aware of your surroundings and use all your senses. Be alert to danger but also to beauty.

    Stock take your cupboards, fridge and freezer. Base your meal plan upon them and your shopping list on what is needed. Stick to your list.

    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions). FAKEAWAYS ARE THE PLAN - HUGE BATCH OF CURRIES IN THE FREEZER AND NAAN BREAD PROVING AWAY IN THE KITCHEN.

    Always take your lunch to work and snacks and drinks for outings or appointments (may excuse one trip with children or allow ice creams etc if part of the experience).

    Do something different. If nothing changes, nothing changes. I'VE JUST TAKEN UP YOGA (USING FREE ONLINE VIDS) TO HOPEFULLY HELP IMPROVED BOTH MY PHYSICAL AND MENTAL HEALTH

    Valentine Who? We will not be celebrating commercialism or bad taste. Do your own thing. Practice kindness to all and don't forget yourself. Treat yourself kindly, like a friend or someone you love and care about. Smile, hug, say hello (I understand these things are culturally unacceptable in London and some southern regions - try to change it but don't get arrested or committed). Small gestures of kindness may make someone else's day.

    Exercise 5 times a week please. I'M DOING YOGA DAILY AT THE MOMENT, PLUS PLENTY OF WALKS WITH BABY IN THE PRAM WHEN WEATHER ALLOWS

    NSDs are staying at 18 this month.

    Throw[/B] it away. HAD A HUGE DECLUTTED BEFORE WE MOVED HOUSE, BUT STILL WORKING THROUGH THE MOUNDS OF STUFF TO SELL AND TRYING TO LIST BABY THINGS FOR SALE AS SOON AS HE OUTGROWS THEM

    Use what you have. Fix something (for free if possible). Make something from a cardboard box (ideas for half term).

    Refuel properly. You ask a lot of your body, give it the fuel that it needs - healthy food, water, a reasonable amount of sleep. Refuel your mind and spirit by taking time to relax and rewind. MAKING AN EFFORT TO DRINK MORE WATER AND EAT LESS SUGAR

    Elephants and Frogs. THERE'S LOADS OF THESE BUT WE'LL START WITH COMPLETING THE PAPERWORK TO THE OMBUDSMAN FOLLOWING AN UNRESOLVED COMPLAINT AGAINST OUR ESTATE AGENT. DON'T KNOW IF IT COULD POSSIBLY RESULT IN SOME COMPENSATION BUT IT'S MORE THE PRINCIPLE OF THE MATTER
    Last edited by WelshKitty85; 01-02-2018 at 4:51 PM.
    Battling my debt:
    Credit card - £4844.62 (Dec 16) £6128.20 (Feb 18) £5478.20
    • WelshKitty85
    • By WelshKitty85 1st Feb 18, 4:53 PM
    • 657 Posts
    • 5,915 Thanks
    WelshKitty85
    WelshKitty Congrats on your new bundle, little boys are so loving <3 . Tesco clubcard vouchers are due to arrive on the 3rd, if you could boost them for your meal
    Originally posted by laurenh1
    Thank you. Not got much in Clubcard points as we used them for the Moses basket, but you reminded me to check my nectar points and we have £15 worth of pizza express vouchers, so that could be an option
    Battling my debt:
    Credit card - £4844.62 (Dec 16) £6128.20 (Feb 18) £5478.20
    • greent
    • By greent 1st Feb 18, 4:55 PM
    • 7,008 Posts
    • 71,557 Thanks
    greent
    THE RULES
    Always pay to debts or savings first, live on what is left. - car & 0% CCs on direct debit. Once kitchen/ workmen fully paid for this month we will know what (if any!) we have left and that can go to OH's 0% CC. Any extra monies will also go there

    First of February until the 28th, inclusive. All turtles commit to following the rules.

    Organise your budgets before the start of the month and stick to them.
    * Food - 3.72/450 - slightly more than usual this month as underspent in Jan where I was ill and OH did minimal shopping. Freezer and cupboards quite empty. We also currently have no kitchen (just a fridge freezer in there!) so meals are a little challenging for a few more days - some convenience meals in freezer Plan was to batch cook before old kitchen removed but have been too ill.
    * Diesel (me) - 0/65
    * Toiletries - 0/10
    * Clothing - 0/100 (DS1 desperately in need of new jeans)
    * Social - 0/50
    * Half term - 0/75
    * Money in - 0/50

    Reserve a small portion of your budget (cash or goods) for the food bank or charity of your choice. - ok

    Environment Be aware of your surroundings and use all your senses. Be alert to danger but also to beauty.

    Stock take your cupboards, fridge and freezer. Base your meal plan upon them and your shopping list on what is needed. Stick to your list. - desperately in need to top up supplies once kitchen is in!

    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions). may have family takeaway as social if budget unspent elsewhere

    [COLOR=Blue]Always take your lunch to work and snacks and drinks for outings or appointments (may excuse one trip with children or allow ice creams etc if part of the experience). - have half term budget- will take lunches if applicable but something like ice creams may fall into budget here

    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another.

    Valentine Who? We will not be celebrating commercialism or bad taste. Do your own thing. Practice kindness to all and don't forget yourself. Treat yourself kindly, like a friend or someone you love and care about. Smile, hug, say hello (I understand these things are culturally unacceptable in London and some southern regions - try to change it but don't get arrested or committed). Small gestures of kindness may make someone else's day. - after 30+ years together we don't really do Val now (although I may buy some of the flowers for myself afterwards if they have been reduced

    Exercise 5 times a week please. It should be commensurate with your abilities and current state of health (be careful after flu/ viruses). Getting outside helps with mental health too. - 3 weeks into flu/ post flu chesty cough/ fatigue/ poor breathing. Not doing any cv exercise until much better.

    NSDs are staying at 18 this month. that is still 10 days available for necessary shopping. There would be far fewer opportunities in the forest. Exceptions for medical care, petrol (should be within budget), bus fares, ys bargains and milk for greent. Although 0/18 - OH nipped to shop for bread (can't make any at mo - no oven!) as it had gone mouldy

    Throw
    it away. We should all be aware that there is no such place as 'away' and recycle or donate appropriately but we all have too much stuff and even if you are ill, getting the rubbish and recycling helps slow the descent into chaos. - looking to remove 150 items this month - whether sell/ donate/ recycle/ bin

    Use what you have. Fix something (for free if possible). Make something from a cardboard box (ideas for half term). If you have time, it may be useful to go round your house making a list of things that need fixing. Some may need to wait for better weather but when you are repaying debt and the focus is on that, you may find your house looking rather shabby. If you have a list of things that can be fixed or improved at little or no cost, it can give you a lift and a sense of progress. - we need to update our house to do list this month - some jobs are being done as we have workmen in for the kitchen so are having them do some other bits whilst here (more cost efficient ) My main focus is a big clean and tidy- lots of dust spread everywhere from the works

    Refuel properly. You ask a lot of your body, give it the fuel that it needs - healthy food, water, a reasonable amount of sleep. Refuel your mind and spirit by taking time to relax and rewind. - Feb is a month of re-charging for me

    Elephants and Frogs. We all have them. For newer turtles who have never visited Flylady, a frog is any task you have been putting off - eg a difficult phone call. Over time the small task has become a giant obstacle. Tackle the frog and the rest of your day will be a breeze.
    An elephant is such a huge task that you just do not know where to start. How does one eat an elephant? One bite at a time. elephants need to be broken down into small manageable pieces. i want to hear about lots of frogs being eaten and the odd elephant being cut down to size. (That will leave us with more time to hide from the polar bears).Am sure I can find some frogs. An elephant I need to tackle is getting OH's co accounts for the year ready for the accountant

    Along the way we will have daily inspiration. This challenge is intended to be hard (several turtles were already anticipating a difficult month) so this month's quotes are going to be gentle and nurturing. - re: today's quote - I am definitely not pushing myself at the mo - I will not make myself any worse - it does no one any favours
    Last edited by greent; 01-02-2018 at 5:37 PM.
    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. 2018 OPs (#18) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • abundant1972
    • By abundant1972 1st Feb 18, 5:35 PM
    • 1,227 Posts
    • 9,215 Thanks
    abundant1972
    Hi Mothernerd

    Please sign me up! I'm strapping on my forest survival kit as we speak!!!

    x
    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 18, 6:14 PM
    • 1,227 Posts
    • 9,215 Thanks
    abundant1972
    Happy February All

    I hope I'm not jumping the gun... but in advance of being allowed in I've made a start:

    Credit cards cleared at the start of every month, and as I use them I put the cash away in a virtual pot online. I accrue points for using my card and so get cash-back every November.
    Savings put in to Help-To-Buy ISA and Emergency Fund
    Budget done for the month and worked out annual spends [car tax, insurance, mot, professional fees etc - divided by 11 months and this month's put to one side.
    Food/Freezer stock-take - will do.
    Something different that's a challenge... Hmmm... I'm trying to 'embrace the morning' and do a little exercise (10 minutes) and make a decent breakfast and get in some mindfulness. I love my bed so it's a challenge!!!
    I am now working Valentine's Day, but was going to just have a quiet night in and pamper myself... bath... candles... nice meal... Nothing expensive
    The dream last month was to aim for 2-3 gym sessions/week and a nature walk. I failed. My head isn't in the right space, and the drive to the gym is a bit of a nightmare... So - see above - try for 10 minutes every day + 20 minute brisk walk when I'm working (10 min each way)
    I will attempt 18 NSDs.
    I made a start last month going through my packing boxes one by one - seeing what I can throw, keep or give away. I'll carry on this month.
    Last month I allowed myself to get run down. Work was demanding, family (trying to care for parents) took over, and what time I did have for me I just ate comfort food and buried my head in the sand, and had to up my anti-depressants. Something needs to change this month - and I need to take better care of 'me'

    I will look at what Frogs & Elephants I have in my life. Long term care of my Mum and Dad is the biggest Elephant of all, and we as a family have been treading water. I'm pushing for a care package this month to alleviate some of the stress and worry.

    Good luck
    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!
    • Lauralozzle
    • By Lauralozzle 1st Feb 18, 6:38 PM
    • 560 Posts
    • 4,955 Thanks
    Lauralozzle
    Budget sorted - all money is in allocated pots.

    Not a NSD though - small spend of £3.15 but I!!!8217;m working from home tomorrow and Monday so they will be NSD virtually in the bag.

    I will hit 18 NSD this month. No exceptions.
    Credit Card 1: £0.00 (0%) | Credit Card 2: £1,951.50 (0%) | Credit Card 3: £764.20 (0%) Car Finance: £7,491 (7.9% APR) | Mortgage: £110,794 (2.79% APR) | Emergency Fund: £69.68/£1000 | Honeymoon Fund: £1,042
    • DawnW
    • By DawnW 1st Feb 18, 7:58 PM
    • 5,000 Posts
    • 39,430 Thanks
    DawnW
    I donated to the food bank today

    Budgets (or some of them) for February:
    Groceries - £21.07 / £260
    Toiletries and cleaning products - £1.60 / £30
    Diesel - 0 / £65
    Presents - 0 / £50 (more family birthdays, most come close together in the early months of the year)
    Anything else - £5.73 / £200 (this can cover social, clothing, all kinds of things. Included my passport renewal, a replacement fan for the bathroom and a new vacuum cleaner last month And yes, that lot came to way over £200. Hoping to keep this right down this month. Hope nothing else breaks! Today's spend was on charity shop books for grandchildren
    Last edited by DawnW; 01-02-2018 at 8:01 PM.
    NSDs for May: 3 / 19

    • Kerry Woman
    • By Kerry Woman 1st Feb 18, 8:55 PM
    • 2,310 Posts
    • 22,386 Thanks
    Kerry Woman
    WelshKitty85 Congratulations on your wonderful news.
    NSD achieved today.
    Had to pay a deposit for my Mum's headstone, but that came out of the money she kindly left me. So not claiming that as a spend.
    Went for a walk in the park. Also walked to and from the funeral director's office. So plenty of exercise today.
    Had put some more things into the bag for the cs.
    Used food in store/freezer.
    Finally dealt with 2 frogs. Put birthday's etc on my calendar in my bedroom. Also started to phone ex work colleagues for a get together in March. Still have to finalise numbers etc.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST May 2018: May the odds be ever in your favour! NSD 16/19
    • Dizzy Imp
    • By Dizzy Imp 1st Feb 18, 9:30 PM
    • 2,223 Posts
    • 20,921 Thanks
    Dizzy Imp
    Shy wave from behind the curtains...

    Can I please join in this month? I've been a turtle before, but I wasn't very good at it. I need to be more focussed. I need to regain and retain control of my life. Sigh....easy to write, not so easy to do.

    A forest-loving soul hoping to do better this month
    • bizzie
    • By bizzie 1st Feb 18, 10:52 PM
    • 158 Posts
    • 1,885 Thanks
    bizzie
    First post for the month.

    Always … DDs and SOs all set up to come out on various dates throughout the month

    February …

    Organise ... overall budget(s) set for the month but will be looking at where we can “underspend” to bring the financial year in on target as have drifted from the straight and narrow

    Reserve … have a monthly DD to a charity I support. Aiming to go through clothes, books and toys for donating to other good causes

    Environment … take time to appreciate what I have around me – for today snowdrops and crocuses appearing in the garden

    Stock take … ongoing process in my household

    Takeaways … one birthday takeaway this month

    Always … two half term get togethers in the diary which will involve eating out

    Do …

    Valentine Who? … day spent as any other

    Exercise …

    NSDs …aiming for 18 but my progress / success is linked with other areas

    Throw … weekly recycling always done and things are only thrown away if broken or of no use to anyone else

    Use … have a list of household tasks to do, some waiting for the warmer, drier weather (!)

    Refuel .... need to focus on this as starting to feel the result of a poor diet and sleep routine

    Elephants and Frogs … have plenty to choose from. Will start tackling them this weekend
    Groceries 240.32/300.00 Personal Spend 4.50/100.00
    NST May #22 NSD 13/19 @22/05/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • sashanut
    • By sashanut 1st Feb 18, 11:45 PM
    • 2,787 Posts
    • 25,848 Thanks
    sashanut
    No 10 checking in
    Hi all


    Always : Shocking cc bill this month - paid off in full but definitely need to cut this drastically!! Will be setting up saving pot, WIP

    First : Agree

    Organise : Fail on this one last month but have hopefully got DH on board. Will aim to draw out cash weekly & only spend that, when it's gone - it's gone. Will do budget tomorrow.

    Reserve : Already make a charity donation each month from joint acc. Will also set up a DD for an animal one.

    Environment : Will do.

    Stock take : desperately in need of this one. DD will be away for a goodly part of the month so that will assist in not buying.


    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions): Had a planned meal out last night in aid of DH birthday - was last year but theatre tickets bought for last night's event.

    Always take your lunch to work and snacks and drinks for outings or appointments: Will do


    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another: Will give this one some thought.

    Valentine Who? :Will send only a card, do not buy into commercial tat & exorbitantly priced meals out..will consider other folks too..

    Exercise 5 times a week please: Could well be gardening or clearing, cleaning etc but will aim to be active.

    NSDs are staying at 18 this month: 0/18 so far..

    Throw it away: Big push on this, much clearing needs to be done but refuse to toss useful stuff, will freecycle or CS - but preferably sell!


    Use what you have. Fix something : Lots of maintenance needs doing on this big old place, have the materials )paint etc) so will get on with this outside when weather permits. have also paint to do some inside as well, so no outlay necessary.

    Refuel properly: Will do this, already am taking some steps to improve health & sleep patterns. Have all ingredients for this.

    Elephants and Frogs: Have deffo some frogs & will tackle one tomorrow. The elephant is the clutter & clearing out, and def will need to be done one bite at a time!!

    Thanks mothernerd for running the challenge, it is very much appreciated even though I am not a model turtle pupil yet
    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 2nd Feb 18, 1:27 AM
    • 2,366 Posts
    • 24,604 Thanks
    mothernerd
    Day 2 Inspiration
    Being negative only makes a difficult journey more difficult. You may be given a cactus but you don't have to sit on it.
    This year I will be fierce
    NST May #13 SFD 9/19 Food £122.13/£120 Travel £11.70/£15 Ent £22.44/£30 (+ £20 membership fee)
    No Debt No mortgage
    • laurenh1
    • By laurenh1 2nd Feb 18, 7:35 AM
    • 469 Posts
    • 4,915 Thanks
    laurenh1
    Good Morning Turtles-

    today is NSD #2 . I am hoping to get to 3 this week & I will try to only spend 2 days each week going forward.

    budgets- 1000 emergency fund & 150 spends. 50£ per week- I have to come in on budget as going forward thats what I have to live on most weeks now.

    I didn't run last night but did some excersize I will run again tonight .This is a big priority in my life at the moment as I feel bad about myself & I don't want to feel uncomfortable again when I go away.

    Cleaning this morning & then taking LOs out this afternoon on their ride ons/ bikes.

    xx
    • dolly84
    • By dolly84 2nd Feb 18, 10:02 AM
    • 3,837 Posts
    • 35,607 Thanks
    dolly84
    WelshKitty - congratulations. Enjoy every minute with your baby it really does go by so quickly.

    Need to crack on with some housework today then get some paid work done this afternoon, no time for exercise today I don't think but I did cycle up a massive hill yesterday so that will do. I do need to walk the dog but we never really get a good pace because he needs to sniff or pee every 14 seconds apparently.

    We don't celebrate Valentines day so there won't be a spend there, it is our wedding anniversary at the end of this month so we may have a takeaway but I'm not too fussed tbh. It is MIL birthday but that will just be a card, we told everyone last year we weren't buying presents anymore, in her case she wasn't happy as she is like a child with presents but she never actually seems pleased with anything, she has zero taste so this also saves me from receiving tacky presents from her.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • Calling14
    • By Calling14 2nd Feb 18, 10:31 AM
    • 2,703 Posts
    • 19,750 Thanks
    Calling14
    Made me laugh Mothernerds quote of the day

    Checking in counting today as NSD as well don't need anything.
    2 NSD
    Exercise did 9400 steps (29 flights of stairs in that) rather muddy woods, will increase on that as off work this afternoon.

    1 frog dealt with Talk talk - don't ever go to them whatever cash is offered hassle and awful internet connection since I joined.

    Afternoon off so few items to sort for charity shop and a walk planned.

    Have a nice weekend folks.
    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
    E
    Fund #9 £220/£1,000
    1 x 100 days challenge
    £865/£2550

    • laurenh1
    • By laurenh1 2nd Feb 18, 12:55 PM
    • 469 Posts
    • 4,915 Thanks
    laurenh1
    hi all-

    hub spent less on his car than expected so budgets now 150 for the month 1050 in emergency fund. quite often hub has to buy things for work so no doubt that extra 50 will come in somewhere down the line.

    he has volunteered to help at work tonight. he doesn't get paid but occasionally gets tips, sometimes this is nothing sometimes its 150 quid so if he gets anything I will buy my groceries with it tomorrow & get kids hair cut. Any extra will be saved

    club card vouchers arrived today. planning to quadruple them up for something anyone who has any- remember this is your last chance to get 4x the value
    • f0xh0les
    • By f0xh0les 2nd Feb 18, 12:56 PM
    • 1,406 Posts
    • 11,527 Thanks
    f0xh0les
    [B]' It is MIL birthday but that will just be a card, we told everyone last year we weren't buying presents anymore, in her case she wasn't happy as she is like a child with presents but she never actually seems pleased with anything,.
    Originally posted by dolly84

    I feel your pain, I have one just the same, but she insists on buying me clothes 3 sizes too small for birthdays and Xmas. It is most definitely not an accident, but the charity shop does well out of her.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999
    NEXT GOAL is sub £105k before JulyMortgage-free wannabe 2018 #65
    • Lauralozzle
    • By Lauralozzle 2nd Feb 18, 3:12 PM
    • 560 Posts
    • 4,955 Thanks
    Lauralozzle
    Today is my first NSD 1/18 as I!!!8217;m working from home so I haven!!!8217;t ventured out. I!!!8217;ve clocked six hours so far, so taking a break and will log on again later this afternoon/evening to finish my hours. Might give the house a quick tidy before DH comes home.

    Congratulations Welshkitty on your new arrival

    I!!!8217;ve made my overpayment to Credit Card no.1. Only £45 balance now and that will be paid off in full using February!!!8217;s pay. I think I!!!8217;ll then start making overpayments on Credit Card no.3 as that one is in my name and use £25 overpayment budget I!!!8217;ve been using on Credit Card no.1. It!!!8217;s not a lot but it helps and Credit Card no.2 is the one with the biggest overpayment at the moment.

    No exercise today though - will make sure we do something during the weekend though.
    Last edited by Lauralozzle; 03-02-2018 at 10:26 AM.
    Credit Card 1: £0.00 (0%) | Credit Card 2: £1,951.50 (0%) | Credit Card 3: £764.20 (0%) Car Finance: £7,491 (7.9% APR) | Mortgage: £110,794 (2.79% APR) | Emergency Fund: £69.68/£1000 | Honeymoon Fund: £1,042
    • greent
    • By greent 2nd Feb 18, 5:49 PM
    • 7,008 Posts
    • 71,557 Thanks
    greent
    Day 2/28
    Always pay to debts or savings first, live on what is left. - car & 0% CCs on direct debit. 'Regular' spending CC cards always paid off in full by start of month. Once kitchen/ workmen fully paid for this month we will know what (if any!) we have left and that can go to OH's 0% CC. Any extra monies will also go there

    First of February until the 28th, inclusive.
    Organise your budgets before the start of the month and stick to them.
    * Food - 3.72/450
    * Diesel (me) - 0/65
    * Toiletries - 0/10
    * Clothing - 0/100 (DS1 desperately in need of new jeans)
    * Social - 0/50
    * Half term - 0/75
    * Money in - 0/50

    Reserve a small portion of your budget (cash or goods) for the food bank or charity of your choice. - ok. Monthly DD to WWT. Should be attending a charity coffee/ cake morning mid month.

    Environment Be aware of your surroundings and use all your senses. Be alert to danger but also to beauty. - Gorgeous rainbow

    Stock take your cupboards, fridge and freezer. Base your meal plan upon them and your shopping list on what is needed. Stick to your list. - desperately in need to top up supplies once kitchen is in!

    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions). may have family takeaway as social if budget unspent elsewhere

    [COLOR=Blue]Always take your lunch to work and snacks and drinks for outings or appointments (may excuse one trip with children or allow ice creams etc if part of the experience). - have half term budget- will take lunches if applicable but something like ice creams may fall into budget here

    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another.

    Valentine Who? after 30+ years together we don't really do Val now (although I may buy some of the flowers for myself afterwards if they have been reduced

    Exercise 5 times a week please. It should be commensurate with your abilities and current state of health (be careful after flu/ viruses). Getting outside helps with mental health too. - 3 weeks into flu/ post flu chesty cough/ fatigue/ poor breathing. Not doing any cv exercise until much better.

    NSDs are staying at 18 this month. that is still 10 days available for necessary shopping. There would be far fewer opportunities in the forest. Exceptions for medical care, petrol (should be within budget), bus fares, ys bargains and milk for greent. 1/18 -
    Throw
    it away. We should all be aware that there is no such place as 'away' and recycle or donate appropriately but we all have too much stuff and even if you are ill, getting the rubbish and recycling helps slow the descent into chaos. - looking to remove 150 items this month - whether sell/ donate/ recycle/ bin - recycled some magazines today 2/150

    Use what you have. Fix something (for free if possible). we need to update our house to do list this month - some jobs are being done as we have workmen in for the kitchen so are having them do some other bits whilst here (more cost efficient ) My main focus is a big clean and tidy- lots of dust spread everywhere from the works

    Refuel properly. Feb is a month of re-charging for me

    Elephants and Frogs. .Am sure I can find some frogs. An elephant I need to tackle is getting OH's co accounts for the year ready for the accountant


    Started the big clean of the appliances which are v dusty in the kitchen Didn't get very far, as had to go to my mum's to do some washing. Also cleaned some old units as they are listed on faceb00k to hopefully sell No spends
    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. 2018 OPs (#18) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
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