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    • apple muncher
    • By apple muncher 26th Nov 17, 3:14 PM
    • 7,479Posts
    • 56,341Thanks
    apple muncher
    NST December: Debt Destruction December
    • #1
    • 26th Nov 17, 3:14 PM
    NST December: Debt Destruction December 26th Nov 17 at 3:14 PM

    Debt Destruction December 2017
    Clear Up, Clean Up and Take Control

    You CAN do it


    2017 is coming to an end - how has this year been for you? December is a perfect time to make plans, to start as you mean to go on and to avoid the traditional failings of January's "resolution" chaos. The year ahead has to be clear in your head, what you want and how you will go about it !!!8211; this ensures you make progress.

    It's time to clear up those niggling feelings of fear and face your debts, get out those envelopes that have been shoved into drawers, clean up the loose ends and call your CC companies and know where you are at and what you owe. Take control of your life.

    It's so important that you do this for yourself and do it now. Christmas is often a very expensive time of year and what better time and place to start pulling things together than with us...we are a group of people who are supporting each other to debt freedom. We call ourselves Turtles !!!8211; find out why here: http://forums.moneysavingexpert.com/showthread.php?t=5048897

    (look at post #2)

    These are the non-negotiable rules to follow:

    1. This Challenge runs from December 1st to December 31st.
    2. You will aim for 15 NSD's. Any spend on any item will class as a spend day. You have 16 days for spending - use them wisely. An NSD will not be spoiled by purchasing yellow sticker products only or medication, fuel or paying for regular children's activities (when planned in advance and the monies put aside in an envelope). This month you will also keep an NSD if you only buy items for the food bank or donate to charity.
    3. You will pay to your debt/savings first. And live off the rest.
    4. You will drop one Christmas outing/party whether with work or people you don't really like. Why waste your money? I am not going to a work do at all!
    5. You will take your lunch to work every single day that you are there. At home? Out and about? You will still plan a !!!8216;packed lunch!!!8217; for yourself. No exceptions. You will not darken the doors of cafeterias, coffee shops, take away emporia!!!8230;
    6. You will not go to any sales in the month of DDD. Unless you have a planned budget and have been saving for a specific item PLEASE do not go to the Boxing Day Sales. It is too much temptation to buy tat you really don!!!8217;t need. STAY AT HOME!!!

    Debt destruction: to destroy your debt (or mortgage), you need a plan. When is your Debt Free Date (DFD)? How much do you need to pay each month to get there? Have you done a Statement of Affairs (SOA)? What are your weaknesses? And strengths? Set your budget for December NOW (see below).

    Exterminate one bad habit from your life for the first 10 days. This is NOT about food. I shall be renouncing a particular game I play on my tablet that just sucks me in and takes hours of my time. There will be other things for later in the month.

    Clear up, clean up and take control. Clear some space in your surroundings by removing 31 items this month !!!8211; to charity, to recyc, to give to others. Clean up your way of talking to yourself !!!8211; clean away the negative talk and be kind and positive to yourself. Let yourself sparkle. Take control of your finances, your time, your habits, and your health.

    Explore your local area !!!8211; get out and walk, go along those footpaths you have never been up before. Going away? Venture out and be observant. Appreciate the landscape.

    Mental health. To continue a recent turtle theme. Do something every day this month that makes you feel good: gym, reading, time with family, favourite tv programme, meditation, building a snowman. NOT spending, of course!! Write down 4 gratitudes each day.

    Budget
    EVERYTHING before you start the month. (Food, gifts, bills, travel, activities, annual stuff!!!8230;) Get a notebook and write down everything you will be doing in December. (And then use the notebook to record each and every spend for the month.) This budget is to be set in stone !!!8211; you really do not need those Christmas promotions. Is there an expectation that you will travel more, contribute with gifts/food/drink? Can you make something? Batch cook now. Bake some goodies so that you avoid massive tubs of sweets, fancy biscuits in tins and expensive cakes. Cookie dough can be frozen raw and then cooked in a few minutes when required. Batch cooking doesn!!!8217;t have to be 24 meals in one go !!!8211; even doubling up, or ensuring you have leftovers for tomorrow!!!8217;s lunch is a good thing.

    Evaluate
    the year you have had: what was good, and what was not so good. What did you do well? What was beyond your control? Now look ahead and plan 5 things to go for in 2018.

    Remember
    that this is a difficult time for many. Allocate 5 of your food budget to spend on food bank items. Check what they need, get the kids involved, or do it online if that is the only way for you. This is on top of your usual giving this month. Get in the habit of doing good deeds for others.

    I can!!!8217;t say this won!!!8217;t be hard but we are all here to be encouraging and everyone will help you. So please, stop faffing about, take responsibility and give me your name!


    (Please do not re-post the entire thread as it makes it too long.)

    But do post every day.




    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by MSE Andrea; 06-12-2017 at 9:31 AM.
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: 2334; 2
    018 sell 49.10; WLOSW /10

    Mortgage 20,809 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 1
    • apple muncher
    • By apple muncher 26th Nov 17, 3:15 PM
    • 7,479 Posts
    • 56,341 Thanks
    apple muncher
    • #2
    • 26th Nov 17, 3:15 PM
    • #2
    • 26th Nov 17, 3:15 PM
    DDD Contenders

    1 apple muncher
    2 Fmess
    3 DancingDragons
    4 mothernerd
    5 Timetopullmysocksup
    6 Toni'sfriend
    7 Sashanut
    8 Lauralozzle (Mrs)
    9 DawnW
    10 DebtFreeDuo
    11 greent
    12 dolly84
    13 misstara
    14 Kerry Woman!!!8355;
    15 ilovetea
    16 SavvySaver17
    17 f0xh0les
    18 Missu
    19 BadBookKeeper
    20 Eager_Elephant
    21 Munchin
    22 Florence J
    23 worklifebalance
    24 Calling14
    25 Tabithabooboo
    26 Dottydaisy
    27 FurryBeastOz
    28 Laurenh1
    29 bizzie
    30 clippy_girl
    31 cybertortoise
    32 thriftylass
    33 mummylewis
    34 Honister
    Last edited by apple muncher; 07-12-2017 at 7:17 AM.
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: 2334; 2
    018 sell 49.10; WLOSW /10

    Mortgage 20,809 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Fmess
    • By Fmess 26th Nov 17, 4:04 PM
    • 2,714 Posts
    • 26,032 Thanks
    Fmess
    • #3
    • 26th Nov 17, 4:04 PM
    • #3
    • 26th Nov 17, 4:04 PM
    Me please Apple
    LBM = 07/09/13 Debt = 13339 (100% cleared)
    New Car and Roof Debt 0/19033
    DecNST #2 SFD 13/15 Food 105/120 Personal 380/350 Petrol 80.01/80
    • DancingDragons
    • By DancingDragons 26th Nov 17, 4:04 PM
    • 113 Posts
    • 1,293 Thanks
    DancingDragons
    • #4
    • 26th Nov 17, 4:04 PM
    • #4
    • 26th Nov 17, 4:04 PM
    Thanks for doing this apple muncher. There are some serious challenges in there for me, but I will do my best Please count me in.
    2018 Foolish April Ninja #33 | NSD 8/16 |
    I can do this! Debt: 11,989.29 11,189.29 goal DFD June 2020
    -34lb to 2019. Lost 7lb, <-stalled
    • mothernerd
    • By mothernerd 26th Nov 17, 4:05 PM
    • 2,462 Posts
    • 25,740 Thanks
    mothernerd
    • #5
    • 26th Nov 17, 4:05 PM
    • #5
    • 26th Nov 17, 4:05 PM
    Love it, love it, love it. Thanks apple, sign me up please. I am away from the 4th to the 9th of December M~F, but hopefully that will not involve much spending.
    This year I will be fierce
    NST Jul #10 SFD 6 /13 Food 100.54/150 Travel 17.60/15 Ent/diy 6/30
    No Debt No mortgage
    • Timetopullmysocksup
    • By Timetopullmysocksup 26th Nov 17, 4:07 PM
    • 29 Posts
    • 292 Thanks
    Timetopullmysocksup
    • #6
    • 26th Nov 17, 4:07 PM
    • #6
    • 26th Nov 17, 4:07 PM
    meeeeee pleeeeeease
    • Toni'sfriend
    • By Toni'sfriend 26th Nov 17, 4:22 PM
    • 1,403 Posts
    • 13,385 Thanks
    Toni'sfriend
    • #7
    • 26th Nov 17, 4:22 PM
    • #7
    • 26th Nov 17, 4:22 PM
    I'm on holiday first two weeks but that's no excuse to at least embrace the spirit of the challenge. Can I join, please?
    • sashanut
    • By sashanut 26th Nov 17, 4:39 PM
    • 2,873 Posts
    • 26,608 Thanks
    sashanut
    • #8
    • 26th Nov 17, 4:39 PM
    • #8
    • 26th Nov 17, 4:39 PM
    Hi all

    Please can I sign up?? Looks awesome....
    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
    • Lauralozzle
    • By Lauralozzle 26th Nov 17, 4:39 PM
    • 560 Posts
    • 4,955 Thanks
    Lauralozzle
    • #9
    • 26th Nov 17, 4:39 PM
    • #9
    • 26th Nov 17, 4:39 PM
    I'm in. I missed November because of the wedding but I'm ready and rearing to go for December!
    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 26th Nov 17, 5:16 PM
    • 5,107 Posts
    • 40,385 Thanks
    DawnW
    Count me in too please
    July NSDs - 6 / 13
    Groceries, toiletries, cleaning supplies and pet supplies - 195.07 / 250.00
    • DebtFreeDuo
    • By DebtFreeDuo 26th Nov 17, 5:20 PM
    • 823 Posts
    • 4,202 Thanks
    DebtFreeDuo
    Absolutely LOVE it apple muncher, glad we could help with the e's. Could you add me in please, I'm feeling ready for December, I have lots of challenges but those you have listed work perfectly for what I am hoping to achieve.
    Debt free by Christmas 2018 #004: 6065.82/7445.69
    2018 in 2018 #25: 2549.13/2018
    SPC 586
    • greent
    • By greent 26th Nov 17, 5:40 PM
    • 7,154 Posts
    • 72,838 Thanks
    greent
    Count me in, please, apple 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. 2018 OPs (#18) 2772.47/4000
    Net sales 2018 558.92/1000 PAYDOX18 (#15) Done 18918.90
    • dolly84
    • By dolly84 26th Nov 17, 5:43 PM
    • 3,907 Posts
    • 36,210 Thanks
    dolly84
    I'd like to join in this month. I used to take part a while back and I am still debt free but am trying to save as much as possible/
    Total Debt 01/14 13043.00, now 0 debt free date Dec 2016, actually July 2016.
    • apple muncher
    • By apple muncher 26th Nov 17, 6:00 PM
    • 7,479 Posts
    • 56,341 Thanks
    apple muncher
    Dollyyyyyyyyyyyyy! Hellooooooo again!!
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: 2334; 2
    018 sell 49.10; WLOSW /10

    Mortgage 20,809 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • misstara
    • By misstara 26th Nov 17, 6:01 PM
    • 2,798 Posts
    • 19,793 Thanks
    misstara
    Count me in please apple
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 678.01 (70.6% paid)
    Car debt Nov 2017 797.68 Now 471.72 (40.9% paid) + monthly payments 146.82 7/60
    Emergency fund - 50/1000. Car fund - 122/1000.
    Mini Targets in July
    Exercise target - 7/16. Groceries target 157.95/200. NSD target 9/13.
    • dolly84
    • By dolly84 26th Nov 17, 6:46 PM
    • 3,907 Posts
    • 36,210 Thanks
    dolly84
    Dollyyyyyyyyyyyyy! Hellooooooo again!!
    Originally posted by apple muncher
    Hi there. Lot's of familiar faces plus I've been reading along for the second half of November so I think I will feel right at home.
    Total Debt 01/14 13043.00, now 0 debt free date Dec 2016, actually July 2016.
    • Kerry Woman
    • By Kerry Woman 26th Nov 17, 8:24 PM
    • 2,384 Posts
    • 23,195 Thanks
    Kerry Woman
    Can I please join for December.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST 07/2018 - Survive July! NSD 15/20
    • ilovetea
    • By ilovetea 26th Nov 17, 10:29 PM
    • 864 Posts
    • 6,663 Thanks
    ilovetea
    Can I join in please.

    ilovetea xx
    #10 Make 2018 in 2018. 969.15
    • SavvySaver17
    • By SavvySaver17 27th Nov 17, 6:58 AM
    • 3 Posts
    • 28 Thanks
    SavvySaver17
    Can I join please? I!!!8217;ve followed the November challenge daily, this will help me keep on track!! Thank you x x
    1749 credit card debt to shift!
    • f0xh0les
    • By f0xh0les 27th Nov 17, 7:12 AM
    • 1,549 Posts
    • 12,809 Thanks
    f0xh0les
    Can I climb on to the sleigh please?

    Ho ho ho!
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99
    July 105,300.00
    NEXT GOAL is sub 105k before JulyMortgage-free wannabe 2018 #65
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