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    • apple muncher
    • By apple muncher 26th Nov 17, 3:14 PM
    • 7,277Posts
    • 54,773Thanks
    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:

    (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.

    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.

    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.

    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's weekly email!
    Last edited by MSE Andrea; 06-12-2017 at 9:31 AM.
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 10
    • Kerry Woman
    • By Kerry Woman 6th Dec 17, 6:03 PM
    • 2,310 Posts
    • 22,386 Thanks
    Kerry Woman
    Day 6
    Was a spend day. Took somethings I brought from a shop and got a refund. Used that money to buy a new shredder, was in luck as it was half price and better security shredder.
    Entered a competition to try and win a M&S Christmas hamper.
    Tried to complete some surveys, most was screened out but one I completed.
    Grateful for -
    Able to get a refund.
    Able to get shredder half price.
    Met brother in law in London as he had to go there for work, lives in Norwich and had lunch. He kindly paid for the lunch.
    Took a nice stroll in London and took my time.
    Managed to declutter some more things today.
    Did go out today to do sort things out as it is meant to be raining tomorrow. So can at least I can have a sleep in tomorrow.
    Last edited by Kerry Woman; 06-12-2017 at 6:40 PM.
    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
    • mummylewis
    • By mummylewis 6th Dec 17, 6:43 PM
    • 86 Posts
    • 824 Thanks
    Hello, sorry I'm late! (And also that I disappeared half way through November!!!)

    Please may I join in?
    Money Saving since 2016 and determined to be debt free by 2020.
    • greent
    • By greent 6th Dec 17, 6:49 PM
    • 7,008 Posts
    • 71,557 Thanks
    NSDs 3.

    Lunches taken/ prepped at home yep

    Debt destruction: Aiming for DFD (exc BTL mtge) of 10/18
    Exterminate Facebook gone from phone
    Clear up, clean up and take control. Clear space by removing 31 items - 19/31 - excess of some men's toiletries and some tooth brushes donated to foodbank, along with some foodstuffs from pantry Clean up your way of talking to yourself. Let yourself sparkle. Take control of your finances, your time, your habits, and your health. -
    Explore your local area Mental health.. Do something every day this month that makes you feel good: Write down 4 gratitudes each day.
    * getting Sain5 shopping done
    * easy tea (chilli and rice - both previously cooked and frozen)
    * using a £9 mov at Sain5
    * lovely, friendly cashier
    * chilling on the sofa for 40 mins after work/ before school run with catch up tv
    * scoring massively on YS veggies and bakery items at Tesc0
    Food 89.64/450
    Social £120
    Gifts £125
    Fuel 50/65
    Make extra money 14.86/50 (+ 4.5 extra hours at work)
    Evaluate (Done) Now to 2018: (targets set)
    Remember to do - DONE in Sain5 shop + extras from my pantry + toiletries stash
    Last edited by greent; 07-12-2017 at 6:44 AM.
    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
    • Lauralozzle
    • By Lauralozzle 6th Dec 17, 7:27 PM
    • 560 Posts
    • 4,955 Thanks
    Another spendy day but planning on 2 NSD on Thursday and Friday.

    Just a quick check in today as I!!!8217;ve been snowed down with work at the moment.
    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
    • mummylewis
    • By mummylewis 6th Dec 17, 8:09 PM
    • 86 Posts
    • 824 Thanks

    1 NSD so far this month.
    £200 was saved at the start of the month (26th Nov for us). When we get to £1500 rainy day fund saved we'll start to put into clearing debts. Currently £847 saved.

    DH Xmas party didn't cost anything and mine won't either.

    I hate post Xmas sales so that rule will be very easy to follow!

    Debt free date is July 2020.

    Statement of affairs is done including month by month forecasting.

    Exterminating 1 bad habit - zero Gregg's breakfasts!! Too easy when for us both when we're at work early.

    Removing 31 items will be difficult as we've been getting rid all year and are down to bare bones. We did get rid of 5 items a few days ago so we'll count that.

    Evaluating 2017 - I got a new job. DH just got a conditional job offer. Started decorating DDs room. Bought a car (finance ends Apr 2022).

    Plan 5 things for 2018 - DH getting into his new job and fully accredited. Pay off 1 debt in full. Try. Get DD into nursery. 1 date night, out for dinner etc the works - haven't done it in over 2 years.

    My gratitudes for today - family swim. Warm house. Got a kiss from DD (she never dishes them out and me and DH got one today &#128525. Almost finished Xmas shopping, just 1 more gift to go!

    Money Saving since 2016 and determined to be debt free by 2020.
    • apple muncher
    • By apple muncher 6th Dec 17, 8:32 PM
    • 7,277 Posts
    • 54,773 Thanks
    apple muncher
    Hello mummylewis - you are numbered!
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • worklifebalance
    • By worklifebalance 6th Dec 17, 8:38 PM
    • 41 Posts
    • 334 Thanks
    We looked in a big Tesc0 for the df BandJ. Think they do 2 sorts. But one of then had gluten in (WHY????) and dd didn't like the other one. Sigh...
    Originally posted by apple muncher
    Thanks. Will have a look although I can't do gluten either
    SPC #459 no 8 2015 £203 2016 £157 2017 £70
    starting mortgage £120,000 June 2012
    OP 2015 £5000, 2016 #57 £28866/ £25000
    • apple muncher
    • By apple muncher 6th Dec 17, 8:39 PM
    • 7,277 Posts
    • 54,773 Thanks
    apple muncher
    Today I am grateful for a situation at work being sorted without me having to go to the boss as she'd been copied into the email and talked to me about it, for my antibiotics doing their stuff, for finding 2x cmassy leggings for dd in pr1marni, for said shop not being busy at all!, for talking dh out of 'going to m+s to buy stuff for an indeterminate number of people', for the y7s being keen to support my craft stall on fri (half of sales are going to a charity connected to a pupil), for dh arranging a radio times offer, for the sheer quantity of strongman over the next few weeks (no mention of dr who, mothernerd), for argus sending us a £5 voucher so dh is buying some garden shears (living the high life here).
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 6th Dec 17, 9:36 PM
    • 2,702 Posts
    • 25,899 Thanks
    Spendy day today as I bought chocolate and a present for my friend's baby. Not bad considering I commuted for 5 hours. I resisted the temptation of all fast food outlets.

    I didn't walk the dogs but the dog walker did two walks

    I ate another frog, just three more for this week.

    Today I am grateful for:
    - navigating to London and back safely
    - interesting training
    - my dogs and cat
    - my Yankee candle advent calendar from my mum
    - yummy leftovers for tea
    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
    • misstara
    • By misstara 6th Dec 17, 9:38 PM
    • 2,725 Posts
    • 19,305 Thanks
    Sorry not checked in for a few days - been feeling horrendous and just not been bothered

    Now up to 3/15 NSDs as spent on Saturday, Sunday and today. Bought some straighteners today, been needing a new pair for ages and found some 50% off. Also got a Christmas present for my sister.

    Today I'm grateful for seeing my gran, getting away from work early, being a step closer to getting organised for Christmas and a hot water bottle.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
    • mummylewis
    • By mummylewis 6th Dec 17, 10:20 PM
    • 86 Posts
    • 824 Thanks
    Thanks apple muncher
    Money Saving since 2016 and determined to be debt free by 2020.
    • Honister
    • By Honister 6th Dec 17, 10:29 PM
    • 5 Posts
    • 53 Thanks
    Please count me in
    • worklifebalance
    • By worklifebalance 6th Dec 17, 10:55 PM
    • 41 Posts
    • 334 Thanks
    Busy day again with another late finish from work. Work lunch today as my boss is retiring but didn't mind going as I have worked with him for 10 years and we get on well. So blew my NSD but there is talk of overtime going seeing as half the team is off sick! May as well volunteer as will probably get the work anyway as deadline is looming. May be a busy few weeks.
    SPC #459 no 8 2015 £203 2016 £157 2017 £70
    starting mortgage £120,000 June 2012
    OP 2015 £5000, 2016 #57 £28866/ £25000
    • bizzie
    • By bizzie 6th Dec 17, 11:41 PM
    • 158 Posts
    • 1,885 Thanks
    Bagged another NSD so 2 down just 13 to go.

    Grateful for DD baking Christmas gifts, DS doing his homework without being prompted, making progress in decluttering and keeping in touch with friends.
    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 6th Dec 17, 11:48 PM
    • 2,787 Posts
    • 25,847 Thanks
    No 7 checking in
    Hi all turtles

    Checking in: 6/31

    NSD: 2/15

    Debt destruction: Have no debt now but not so long ago were 93K in debt so I know that I need to make sure I don't go down that slippery slope again...but we are on a fairly fixed income so need to rein the unnecessary spends which have been creeping up..

    Exterminate Nothing bought for myself

    Clear up, clean up and take control Few bits put back into dining room & cleared up in other room ready for friend's regular visit. Still a load of bags in dining room & now in bedroom. Need to tackle tomorrow but running out of days....

    Clean up your way of talking to yourself – clean away the negative talk and be kind and positive to yourself. Will try to do this, and try to take a compliment when it's offered, not something I'm good at!
    Let yourself sparkle. Felt much better when I got ready to see friend, washed hair did makeup & put on clean clothes....Take control of your finances, your time, your habits, and your health. Indeed

    Explore your local area – Will attempt to explore local area when we go to Ireland, there are lots of opportunities, it's such a beautiful place.

    Mental health Very poor sleep for some reason, woke @ 3.17 am & then didn't sleep again till had to get up 3 hours later...mental fog for rest of day...

    Write down 4 gratitudes each day. Grateful for: Visit from friend & her delight in her 'alternative' Advent calendar. She, like DD is a crisp lover, so DD came up with idea of tying on different bags of crisps, one for each day. The final one is of course Christmas Dinner flavour....Friend was thrilled to bits.., Happy to have HM meals today from stores, very tasty & much healthier.

    Budget Need to do this but not got my head around finances yet, watch this space. better write some stuff down otherwise will written down but need to add up etc..

    Evaluate the year you have had: Year was much better than last year, still quite a bumpy ride but am grateful for what we have.. Need to plan 5 things that will happen next year. Still a WIP
    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
    • laurenh1
    • By laurenh1 7th Dec 17, 7:10 AM
    • 469 Posts
    • 4,915 Thanks
    Hi all

    Still on 3 NSD , might have a large spend today but not sure. Now aiming for 5 by Monday.

    Did my big shop last night so my budget is now 100 in my acc & 20 in my purse. Brother still owes me a tenner but I might never get it lol so 120 in budget but only 2 weeks to go & xmas food & Edinburgh haa its own budget

    Had to cancel my planned trip to butlins but putting money to Lapland uk tickets for the kids next xmas instead. This is now budgeted for so just paris to save for now which ive budgeted to start doing in jan. My 2018 goals are- lose 2st , save another 5k, do GNR & take tids paris & lapland uk. The sooner I start the better

    Today I am greatful for my my mums friend buying my boys something for xmas- she is going through chemo & Im astounded she can still be thinking of others, for my boss letting me take my friend to an appointment- I work for good, fair people & I appreciate that is hard to come by, for the lives my kids have, I am always greatful but specially at Christmas
    • apple muncher
    • By apple muncher 7th Dec 17, 7:16 AM
    • 7,277 Posts
    • 54,773 Thanks
    apple muncher
    Honister - you are in.
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • dolly84
    • By dolly84 7th Dec 17, 9:26 AM
    • 3,837 Posts
    • 35,607 Thanks
    misstara - hope you are feeling better soon.

    I did my sainsburys shop last night using one of their vouchers plus a bonus points and triple points voucher. We have been saving our nectar points all year for Christmas and there is no way we will spend it all so quite a bit to carry over to next year.

    I got some nice YS bargains there too, large packs of minced beef from £3.50 to 90p, I got two packs and split them into two for the freezer so they will make 4 meals in total, a fancy fish dish down from £3.90 to £1.10 which serves two also bread and chicken.

    I need to call at Asda or Lidl perhaps and get some grapes for lunchboxes, I don't like Sainsbury's grapes.

    Plan for today

    Paid work
    walk the dog
    long run
    make bubble and squeak for tea
    nice bath this evening.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • thriftylass
    • By thriftylass 7th Dec 17, 10:26 AM
    • 3,310 Posts
    • 27,088 Thanks
    Evaluate - Starting a junior isa for our DS will start to teach him how not to manage money!! He is 6 on 19th December, is this a good age to introduce pocket money and savings? I have bought him a money box for his birthday and so far I have been putting 10ps in it to start it off.
    Originally posted by BadBookkeeper
    DS is 6.5. He doesn't get pocket money yet as he doesn't need it as such. However, he knows he has a saving account and once a year we raid the piggy bank and pay that in (Had both since birth). Occasionally on a Friday, we let DS and DD (only 3, so guided by us) take let's say 50p to the shop to buy some sweets and let him work out what he can get for it (student union shop still does 10/15p sweets) and what he would have left over for the piggy bank or next week. We'll maybe start soon too though as he gets more interested in buying magazines etc and he could learn to save up his sweet money to buy a monthly magazine instead etc.
    • BadBookkeeper
    • By BadBookkeeper 7th Dec 17, 10:38 AM
    • 123 Posts
    • 872 Thanks
    Thanks Thriftylass. He's learning about coins and notes in school so think its a good time. He's also said he wants to buy his Grandparents a little box of chocolates for Christmas so want to give him a little money so he can choose himself.

    Day 7 #19 Checking in...
    Debt Plan - NSD still 3/15 will be going to the shops after work but hope for another NSD tomorrow.
    I'm kind of excited to start 2018 debt busting and sorting out proper accounts for birthdays/Christmas 2018 and savings accounts and pocket money for my DS.
    Exterminate - Don't think I'll be going back to spending hours on FB so this part of the challenge has been great for me
    Clear Up - Sorted my jewellery box lots of items binned. Even found a necklace that will be nice for my night out on Saturday instead of my usual daily one. The box looks really neat and pretty now too.
    Explore - Nothing here today
    Mental Health - Good night sleep, nothing going on at school today, first normal day in ages will do me good.
    Budget - Very stretched. Items I bought yesterday were a tad more and a m7s voucher I wanted to use didn't work Cards were cheaper but other bits more expensive. First time ever I doubled up our chilli for tea last night and will have again tonight as we will all be later home this evening.
    Evaluate - Plans made
    Remember - Another tin donated to food bank and a £5 voucher I can't use given to a work collegue who was really grateful.

    Grateful for a normal day, a good nights sleep, my DS being excited for Christmas and his birthday, tea already to be warmed up. Also grateful it hasn't snowed yet.......
    Last edited by BadBookkeeper; 07-12-2017 at 10:43 AM.
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