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  • FIRST POST
    • dolly84
    • By dolly84 29th Aug 19, 4:44 PM
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    dolly84
    NST September - A Simple September
    • #1
    • 29th Aug 19, 4:44 PM
    NST September - A Simple September 29th Aug 19 at 4:44 PM
    NST: September 2019
    A Simple September




    I always find September a bit like the New Year. The kids are going back to school, routines are getting back to normal, the house needs a really good clean after the holidays and I need to get back on top of everything again. With indulgent times looming later in the year for those of us who celebrate it, September seemed a good month to really scale things back a bit.


    So with that in mind the theme for September is simplicity. Enjoy simple pleasures, cut down on things coming in to your space, get rid of things (in the best way possible) that are cluttering your home, only buy what you really need (this is aimed at me in particular), think about every unnecessary penny you spend moving you further away from your long term goals. Shop local, shop sustainably.






    The rules:
    • The challenge runs for the month of September.
    • Pay to your debt/mortgage/savings first and live off the remainder.
    • Plan your spends in advance - budget carefully.
    • Take your lunch to work everyday, keep away from vending machines/canteens.
    • Aim for 15 NSDs (keep one if you only buy reduced goods, or medication, or fuel).

    Anyone care to join me?
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
Page 14
    • Toni'sfriend
    • By Toni'sfriend 19th Sep 19, 3:05 PM
    • 2,239 Posts
    • 22,280 Thanks
    Toni'sfriend
    NSD No 13

    Himself got the results of his blood tests today. Thankfully no diabetes but too much iron and not enough foliate. Apparently that could explain the tiredness. A prescription is awaiting collection at the Health Centre so we'll get that tomorrow. Awaiting the results of x rays now which might be arthritis.

    Plodding along doing a little extra job every day and trying to get on top of cleaning and decluttering.

    Using what I can from freezer and stores. Don't want to buy too much before we go away. Made a tomato sauce yesterday with what was in the fridge and some dried herbs, It's in the slow cooker just now with meatballs and we'll have it with some pasta. Better go and see how it's coming along
    • lcc86
    • By lcc86 19th Sep 19, 3:31 PM
    • 1,139 Posts
    • 4,692 Thanks
    lcc86
    Just checking in, it's been a quiet couple of days. Yesterday I had my PT session and also went for a drive to walk around a local nature reserve. Certainly timed it badly as they were dredging the pond so it was noisy as anything! Ended up having lunch out as a little treat on my week off. Today has been a NSD, I went to the gym this morning and also walked my friend's dogs. I've got 99% of the jobs that needed doing done, not sure I can be bothered with the last one (touching up paint everywhere, maybe that can wait until another day). My back has finally stopped hurting after months of chronic pain so I don't want to push it too much, just grateful for being pain free.

    OH and I are going to look at a van tomorrow and probably buy it, it's not viable to spend another £1,500 on the van he has (it also has other stuff that needs fixing as well). He has half the money in savings and I've done a 0% money transfer from my credit card for the rest. It's not ideal but we think it's our best option.
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    Trying to enjoy moments not things!
    • dolly84
    • By dolly84 19th Sep 19, 4:45 PM
    • 4,783 Posts
    • 44,187 Thanks
    dolly84
    Worked today. Won't bore you with today's shennanigans.


    No money spent though. Did sell an item on ebay yesterday so I posted that today but that wasn't my money.


    DH has brought home a huge bag of Card Factory gift bags that were being chucked in a skip, there must be 100 of them and that was just one of multiple bags - crazy and it makes me really angry. We have saved a few and the rest will be donated to the CS if they want them.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • mothernerd
    • By mothernerd 19th Sep 19, 6:05 PM
    • 3,091 Posts
    • 33,591 Thanks
    mothernerd
    Phoned b'n'q to tell them about the abandoned trolley - they will send someone to collect it. Took 4 books back to the library and also put a few tins in the food bank box. Chemist did not pick up so walked to the shop. Blister pack person busy so signed the form and left with a promise that they would phone me this afternoon.

    Prolonged trawl around the shops in search of replacement curtain pole and new (heavier, thicker) curtains mum wants but no joy (apart from the increased walking). Did buy next year's diary + a small non-essential but good for my mental health purchase. Frustrating though because there are things on my list but passed those shops because I couldn't carry anything besides the curtains and didn't have the time or energy to go back.

    Taxi to mum's, brief rest to get my breath back then checked on my coir compost (added more water) then planted out about half the pansies before the van with the bed arrived. One man and two young lads with no idea how the bed went together (never done one of that type before) but we more or less worked it out between us.

    I was kneeling on the floor to help, put out one hand to hold onto something to aid getting up but it was the room door and it swung and I pitched forward and banged my head on the bed rail. Put a hand on the radiator to steady myself and it came off the wall - screws and rawlplugs (modern buildings).

    Men assured me that man from the shop would come out on his little scooter and check the bed, if i needed him. After they had gone I found a small pack of bolts - not sure if they had used a different bolt for part of the assembly. Found the phone number and shop man will come tomorrow (little scooter is poorly but getting a new one tomorrow). Phoned Mr and Mrs Builder and left a message about the radiator and my bath problem.

    Chemist finally phoned and I think mum is poorly enough to continue receiving blister packs. Told mum i would be leaving early (it is my day off) but would wait until the school rush was over. Lots of me hurts and I am very tired. Back at mum's tomorrow for more gardening, bed making. painting and possibly furniture moving (got mum to explain her plan for the living room incorporating a new 'yet to be found' table and 2 dining chairs). Pretty sure it won't work but have introduced the concept of being flexible.

    Mum is still insisting she 'needs' four wooden chairs but the cleaner and I have persuaded her to let the one in her bedroom go and use one of the 'keepers' in it's place. Heavy table and 3 chairs now hiding in the yard under the garden swing cover. Pretty sure there will not be room for the 4 chairs she is insisting on keeping (there are 6 garden chairs which fold flat, if we ever have a seating crisis) just as there is no room for the two sets of drawers alongside the bed in the ex 'dining room'.

    Today I am grateful for the bargain bed (the 'sides' weren't on in the shop - two solid wood bars on each side which can be lowered to make getting into bed easy then raised to prevent falling out of the bed), for the pansies mostly having revived after a good drink (paid £1 or 50p for packs which had been £2) and for walking more.
    My mission in life is not only to survive,but to thrive and to do so with some Passion, some Compassion, some Humour and some Style.
    NST Oct No 1 No Debt No mortgage
    • apple muncher
    • By apple muncher 19th Sep 19, 6:58 PM
    • 9,380 Posts
    • 71,998 Thanks
    apple muncher
    Youch! to your injuries, mothernerd. They must hurt. And you're going back for more tomorrow...?!


    Today I am grateful for getting up early to do a workout (cos I really didn't want to do it when I got home), for a nice day at work, for good weather, for dd feeling better about school, for a choice of leftovers for tea, for yet more sainz vouchers, for writing a couple of important emails.
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage £15,451 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • greent
    • By greent 19th Sep 19, 8:16 PM
    • 8,196 Posts
    • 83,273 Thanks
    greent
    Ouch, mothernerd

    Books and clothes gone and money received in exchange

    Spent £2 on 2 things from fbook which cost £5 each in shops- bargain

    Added more to CS bag (3 x outgrown boys clothes in vgc and 4 matching mugs)

    Used up odds and ends and frozen bananas making breakfast bars for ds1 for uni (has several 9am starts and these will keep him going if he doesn't get up much before)
    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) £3757/£5K
    Net sales 2019 £532.58/£500
    • dolly84
    • By dolly84 20th Sep 19, 6:26 AM
    • 4,783 Posts
    • 44,187 Thanks
    dolly84
    mothernerd - oh dear, hope your head isn't too badly bumped. Today you need a sit down with a nice cuppa, no excuses - I insist.


    Dropped a bag at the charity shop yesterday but they did say they weren't able to take any more clothing donations but when I said it was a couple of winter jumpers and a winter coat they took it. Had a look around and thought why don't they just put all the summer stuff on a rail for £1, they would sell loads and clear some space - seems crazy to me, the window for selling floaty sleeveless tops is shortening by the day.


    Work again today, I do seem to have a skill for working on the most gorgeous days. Stripped our bed and am hoping to get the bedding on the line before I leave for work.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • f0xh0les
    • By f0xh0les 20th Sep 19, 6:51 AM
    • 2,555 Posts
    • 23,600 Thanks
    f0xh0les
    Today I will spend some money.
    I think.
    I am quite excited by the idea of allowing myself to spend money.

    So will remain on NSD11, unless I don't.
    The end.
    MFW5/16 £118,340 10/17£109,49 12/17 £108,8 1/18 £108,33/18 £108,5 4/18£108,1 5/18£106,9 6/18£105,9, 7/18£105,3 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 2/19 99,500 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/7 £96,9. 1/8 £96,500 1/9 £95,970.00 1/10 £95,500 MFW 2019 #65
    L&C Referal code- https://referme.to/GNNHtJo
    • mothernerd
    • By mothernerd 20th Sep 19, 9:20 AM
    • 3,091 Posts
    • 33,591 Thanks
    mothernerd
    mothernerd - oh dear, hope your head isn't too badly bumped. Today you need a sit down with a nice cuppa, no excuses - I insist.


    Dropped a bag at the charity shop yesterday but they did say they weren't able to take any more clothing donations but when I said it was a couple of winter jumpers and a winter coat they took it. Had a look around and thought why don't they just put all the summer stuff on a rail for £1, they would sell loads and clear some space - seems crazy to me, the window for selling floaty sleeveless tops is shortening by the day.


    Work again today, I do seem to have a skill for working on the most gorgeous days. Stripped our bed and am hoping to get the bedding on the line before I leave for work.
    Originally posted by dolly84
    Thank you dolly but not sure it will happen. I am rescuing little animals as I had a sudden panic about all the things I have to do. Not remotely possible so calming myself then I can decide what is a priority eg I want some things (medical but may get led astray especially if they have the little metal buckets) from the pound emporium.

    Not drastically urgent but one of those things that keeps falling off the bottom of the list. I hate going in there at weekends so may go there. More planting/ moving pots (may walk and take the dolly) and painting (found the spare wellies behind the dining room table - mum want them painting and planting up). Have decided we (I) am just going to use up the current tin and anything else can wait until Spring.

    I am aware of some aches and pains so not going to do too much (no 5 hours of muttering 'I will not cry' to myself) especially as I need and want to get some of the stuff at home done. I have expended so much energy on mum's stuff that when i am home I just want to curl in a ball and rest.

    Today i am grateful for walking further, being able to stand up to wash and dry myself and for Mr and Mrs Builder who i know are very busy but are going to come out on Saturday to fix mum's radiator and look at my bath.
    My mission in life is not only to survive,but to thrive and to do so with some Passion, some Compassion, some Humour and some Style.
    NST Oct No 1 No Debt No mortgage
    • Calling14
    • By Calling14 20th Sep 19, 11:51 AM
    • 2,947 Posts
    • 21,229 Thanks
    Calling14
    Hi turtles


    Well annoyed as chest infection feels worse today. Thought it was clearing up.


    Put a Charity bag and it never got collected, annoying as it made me late for work yesterday putting extras in.


    Hardly any sleep last night nevermind the weekend nearly here. Got grandkids tomorrow so will have to do food shop on way home. Plan to take them to local zoo for a few hours, good kids park there which should hopefully get them worn out.



    Trying to catch up on paying credit cards off today small smounts but it all helps. Few pounds in from surveys and quidco helping.


    Mothernerd you do too much. Rest up if you can a little.



    Grateful for
    Lots of lovely neighbours, even though yesterday It took up my afternoon off, collecting a couple and helping another with a job. They are so nice hard to say No to.

    Sunny weather tomorrow forecast. Inside all day today.
    Marmite - the best drink ever with a sore throat.
    LBM 13039 1.1.13 Now Jan 2019 £2737/£5457

    PAYDBX 2019 #16 £2737/5457 £2720 to go
    EFund #9 £60/£1,000
    1 x 100 days challenge no 33
    £617/£2000

    • mothernerd
    • By mothernerd 20th Sep 19, 2:35 PM
    • 3,091 Posts
    • 33,591 Thanks
    mothernerd
    After a morning shopping in search of odd items I walked in to mum's and announced that I was going to have a drink, read my book, have something to eat and chop my veg (poor things are so dizzy - they have been back and forth in my rucksack all week). If she was very good I might let her look at some curtains. Then after the man had been to check the bed and work out where the extra screws should be, I would consider doing some painting, only if I felt fine.

    So mum has a pyrex dish full of veg for soup and some carrots and a few celery sticks. I have celery sticks and spring onions for dips, leeks for soup, chunky coleslaw to eat by the bowlful with a drizzle of dressing and fine coleslaw to put with prawns. Man checked the bed and put in the extra screws. I have moved one plant pot and watered two.

    Think it is still too hot to paint out there (I only wanted to do it to see if I had to buy another tin of paint before that disappears in favour of the Hallowmas stuff (B**ts had cleared their end aisle yesterday). But now am only using this tin up and will wait until Spring - just as long as I paint the blasted wellies.

    Today I am grateful for healthy veg, for time to relax (a bit) and for finding some useful curtain hooks.
    My mission in life is not only to survive,but to thrive and to do so with some Passion, some Compassion, some Humour and some Style.
    NST Oct No 1 No Debt No mortgage
    • Toni'sfriend
    • By Toni'sfriend 20th Sep 19, 3:18 PM
    • 2,239 Posts
    • 22,280 Thanks
    Toni'sfriend
    Still on NSD No13

    Not a lot happening today. Collected Himself's new prescription from Health Centre and put it into the chemist. Did the weekly shop not that there was much to buy.

    Having a quiet day.
    • f0xh0les
    • By f0xh0les 20th Sep 19, 5:58 PM
    • 2,555 Posts
    • 23,600 Thanks
    f0xh0les
    Ha ha! Today was NSD12, I spent nothing, except the whole day lying on the sofa, battling nausea.
    MFW5/16 £118,340 10/17£109,49 12/17 £108,8 1/18 £108,33/18 £108,5 4/18£108,1 5/18£106,9 6/18£105,9, 7/18£105,3 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 2/19 99,500 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/7 £96,9. 1/8 £96,500 1/9 £95,970.00 1/10 £95,500 MFW 2019 #65
    L&C Referal code- https://referme.to/GNNHtJo
    • Karmacat
    • By Karmacat 20th Sep 19, 7:11 PM
    • 32,426 Posts
    • 191,689 Thanks
    Karmacat
    Ug, sorry to hear there's so much illness and lurgification around. I'm dealing with my stitches that I had on Monday, but at least they're protected with micropore this time, not sticking plaster (I'm allergic to sticking plaster - itching is a nightmare, but doesn't trap me like nausea or bad colds).
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • sashanut
    • By sashanut 20th Sep 19, 10:31 PM
    • 3,230 Posts
    • 30,692 Thanks
    sashanut
    No 10 checking in
    Hi all

    Still only on NSD 8/15 as instead of posting on here last night I decided I better order some things for DHs birthday online as it is fast approaching & I have bought nowt. Oh I tell a lie, I have a 50p book I got from the CS but I don't think that will cut it somehow.

    Plus also DH went to get a takeaway - not my choice but it has done 5 meals so was not too expensive.

    Today was looking like an NSD but then I needed butter to finish making cakes for my CS to sell tomorrow. Took in 2 cakes for them & they seemed very pleased, hope they can raise some much needed funds.

    Was a struggle as another poor sleep, shame because I had been doing well.

    Hope to have some time to myself tomorrow to get some more preserves done before it's too late.

    Sorry to hear some turtles are poorly, get well soon.

    Popping in to say hi: Hello Turtles!
    New start JAN15 - NOT BUYING IT 2015 . Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE
    • f0xh0les
    • By f0xh0les 21st Sep 19, 7:56 AM
    • 2,555 Posts
    • 23,600 Thanks
    f0xh0les
    Bounced back remarkably quickly. So will spend money today instead. Sticking to NSD12 and getting the laundry line dried today as it looks yuck for the rest of next week due to ex-hurricane Humberto's antics.

    The leaves are falling off the trees as I am driving the kids about the place. Autumn is in the air.
    Cupboard inventory done, menus planned and shopping list made. Off to do the shop so that I am finished by 10.00 and I can relax a bit more.
    Last edited by f0xh0les; 21-09-2019 at 9:23 AM.
    MFW5/16 £118,340 10/17£109,49 12/17 £108,8 1/18 £108,33/18 £108,5 4/18£108,1 5/18£106,9 6/18£105,9, 7/18£105,3 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 2/19 99,500 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/7 £96,9. 1/8 £96,500 1/9 £95,970.00 1/10 £95,500 MFW 2019 #65
    L&C Referal code- https://referme.to/GNNHtJo
    • apple muncher
    • By apple muncher 21st Sep 19, 8:19 AM
    • 9,380 Posts
    • 71,998 Thanks
    apple muncher
    I have started switching on the string of coloured fairy lights (left up from 2 cmases ago, I think) as it is now gloomy enough for it. It really cheers the room up. Autumn is indeed arriving.
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage £15,451 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • crazy_cat_lady
    • By crazy_cat_lady 21st Sep 19, 8:30 AM
    • 5,082 Posts
    • 45,286 Thanks
    crazy_cat_lady
    Morning
    I genuinely cannot believe that I'm only 3 weeks into term and I am this exhausted. Between open evening at my place, open evenings at other schools (ds in Year 6), Ofsted and start of term lurgies I am just about broken. I feel as though I haven't stopped since I got back to work and I am very, very tired. I've just been too busy to get online at all since Monday in between prepping for Ofsted, visiting other schools and teaching full days and lessons.
    As I say, very tired and very busy so not much else to report. Racked up a few more nsd's as I've been too busy to spend. Also managed a few free feeds at work with the Head ordering food in for staff who wanted to stay at work to prepare stuff. I was seen by the inspector and my head of department during the second lesson of the first day they were in. It went well though - I was lucky that I had a great class in front of me at the time.
    This weekend I had been hoping to catch up with bestie but it looks as though she's busy again. People are telling me not to take it personally but it is now starting to feel like that she's avoiding me... it may say more about my current state of mind rather than the truth but it feels personal. I have a lot of friends but I don't see a lot of people outside of work and I get very lonely sometimes. No matter - I have some school work to catch up on and tutoring starts tomorrow.
    NST October #11 nsd = 5
    I am honestly trying my best
    • f0xh0les
    • By f0xh0les 21st Sep 19, 10:26 AM
    • 2,555 Posts
    • 23,600 Thanks
    f0xh0les
    I have had the candles going in the evening Apple, for the last couple of nights. I love it! But I am very low on the candle front now, I plan to bleed the radiators today so that when I decide to put the heating back on timer (not until October), it will be a job already done. Will check hot water bottles this evening too, it is never good to find out one has sprung a leak in a small person's bed in the middle of the night. Prepping for winter! Going to google for soups this afternoon to try and use up some weird bits from the pantry that seem to have been there forever. I still have half a jar of black-eyed beans to make disappear.
    So I need to cruise the c/s for candles and Alex Rider books as DS3 has just announced he is a fan.

    CCL - does DS fancy a play day with bestie's son? She may be having a hard time and not want to dump it all on you. Try not to take it personally.

    Last edited by f0xh0les; 21-09-2019 at 10:30 AM.
    MFW5/16 £118,340 10/17£109,49 12/17 £108,8 1/18 £108,33/18 £108,5 4/18£108,1 5/18£106,9 6/18£105,9, 7/18£105,3 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 2/19 99,500 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/7 £96,9. 1/8 £96,500 1/9 £95,970.00 1/10 £95,500 MFW 2019 #65
    L&C Referal code- https://referme.to/GNNHtJo
    • Toni'sfriend
    • By Toni'sfriend 21st Sep 19, 2:49 PM
    • 2,239 Posts
    • 22,280 Thanks
    Toni'sfriend
    Hope everyone is feeling better.

    Should have been a NSD but we were nearly out of Himself's favourite ice cream and God forbid that should happen. So NSD ruined.

    A lovely day today so the bedding has been changed and the washing done and dried outside on the line. It will save me doing it on Monday.

    Other than that nothing much happening here.
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