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  • FIRST POST
    • apple muncher
    • By apple muncher 29th Dec 17, 3:41 PM
    • 7,364Posts
    • 55,474Thanks
    apple muncher
    NST January: Health, Wealth and a Life Well Lived
    • #1
    • 29th Dec 17, 3:41 PM
    NST January: Health, Wealth and a Life Well Lived 29th Dec 17 at 3:41 PM
    Welcome to January


    Make 2018 the year that you rid yourself of debt, beat down the mortgage, get on top of your spendthift ways, learn new skills and set yourself up for the future.


    2018: Health, wealth and a Life Well Lived
    (Shamelessly lifted from Craig Ballantyne at earlytorise.com)

    Janus is the god who looks both backwards and forwards. A new year can be a time to look back over the previous year (but we turtles have already done this in December). So this is a time to look forwards - where do you want to be in 12 months from now? 5 years? 10 years?


    Activity. This is a BOGOF one. Take up a new hobby or resurrect a new one. ALSO, be active. Keep moving.


    Non-negotiables:
    -18 NSDs (if not, why not?)
    -your bugets are set by the start of the month and are fixed.
    -£5 to foodbank / charity
    -pay money to your debts FIRST - do not wait to see how much is left at the end - and live within your budget
    -meal plan


    Unabashed, unambiguous, unconditional, undaunted, undivided, unerring, unshakeable devotion to your goal(s). [more on this later]


    Always plan your meals; always take a shopping list; always take your lunch to work and drink + snacks when out and about; avoid all coffee shops, vending machines, work canteens...


    Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read.

    You are the key to reducing your debt, living modestly, keeping as fit and well as you can. So look after yourself - physically, spiritually, mentally and emotionally.




    I want to re-introduce Bob's s t r e t c h challenge for January: how much extra an you earn / save off your food shop / move / remove.


    Would joining the 1% thread help you? Or the MFW for 2018? Or the pay off all your debts by xmas18? Does reading mrmoneymustache or frugalwoods inspire you?



    Who is with me for January?


    Post your name (not the whole challenge, please) to sign up.



    NST June Odyssey #20; NSD 11/15; Ex 9/20 ; craft / (69); remove 54 (433)
    2018 Pay off: £2110; 2
    018 sell

    Mortgage £21,033 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 17
    • squirrelgirl
    • By squirrelgirl 9th Jan 18, 12:12 PM
    • 193 Posts
    • 1,169 Thanks
    squirrelgirl
    8/18 NSD's; current grocery spend £93.52

    I had to shop on Saturday breaking my nsd fast Unexpected visitors so i had to go and buy some suitable items (£21.95 in total) and decided that as i was on a spend day that i would get the household and toiletries that i needed (£48.26) and top up some fresh stuff (£23.31) - not too bad really and it means that the rest of the month should come in pretty cheaply

    The house is clean, the budgets being adhered to and I'm feeling pretty happy with where i am at the moment - lets just hope i can keep it up!!
    15 Month Challenge: House - £2161/£15000; Mortgage - £300/£19000 ; Jan Spends: Food £93.52/£300; Petrol £0/£300; Persie £0/ £300
    MFW No. 167 £300/ £15000
    • crazy_cat_lady
    • By crazy_cat_lady 9th Jan 18, 1:00 PM
    • 3,545 Posts
    • 30,483 Thanks
    crazy_cat_lady
    Hi all
    Thank you for the welcome back - I have been gone blimming ages. Things are pretty much the same in the CCL household - some good days and some bad. I love having been promoted at work, love my cleaner and am finally starting to get some quality sleep. However, I have fallen off the frugality wagon in a large way. I was getting complacent with the fact that I had savings, then the naughty tortie needed another massive operation and has wiped my savings out. Plus my cousin died very unexpectedly just before Christmas, and I'm having to pay a bit in fuel and hotel costs for the funeral as it's 200 miles away (and still hasn't happened yet). I've found myself really skint straight after Christmas, and although I'm not back in debt I really need to stop my frivolous spending and get my savings going again.
    I'm sorry I don't remember who it was that asked about crochet. I crochet - and rather than Granny Square pixels, I prefer corner to corner crochet (C2C), it's smaller for definite... I learned that before I knew about Granny Square pixel stuff.
    June Odessy NSD 6/10 DFD 6 Nov 15 - paid £28,447
    • DancingDragons
    • By DancingDragons 9th Jan 18, 3:04 PM
    • 113 Posts
    • 1,293 Thanks
    DancingDragons
    Afternoon All.
    Wasted my time yesterday at a local council meeting; they haven’t the faintest idea about real life. Woke to a stroppy teen, Yay, the shower’s not working and it’s clearly my fault. Then a text warning me there’s no water. Fortunately DH bottled some due to the low pressure from the shower. Several others texts followed –school may or may not be closed, may or may not open later and so on. With work to do I spent the day in soft play…with broken heating & naff tea. Can’t find missing notes for a job, still searching for required ID to set up the bank accounts so not a good day all in all. Remember folks. DH is A: not a good bank. B: not a good guardian of things you do not wish to lose.
    Pay to debts/savings Done.
    Reading: Done.
    Activity Don’t make me laugh ¬.¬
    NSD: lost yesterday andspendy today.
    Chandelier. Ditch the takeaway coffees – you’ll save a fortune, take one with you. Plan lunches, take sarnies, salads, pasties (Thank you Foxholes, why didn’t I think of this one?)
    It’s taken me a few months to harness the “planning ahead” Plan your NSDs, don’t hope. Make them happen.
    Nicky Noo Na glad you enjoyed your Zumba.
    Is my happiness related to my dreams? No, if today is anything to go by, happiness is related to things going according to plan.
    Gratitudes: Finishing a book, positive vibes coming from another client. DH having the presence of mind to bottle water before it went off completely. That today is two thirds over.
    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
    • Toni'sfriend
    • By Toni'sfriend 9th Jan 18, 5:19 PM
    • 1,292 Posts
    • 12,596 Thanks
    Toni'sfriend
    Spendy day. Had to get my hair done - no really I HAD to. Feeling a total frump.
    In addition the laptop is absolutely refusing to connect to the internet. No idea why. So the 11 year old back up (old faithful) has come to the rescue. Now the virgin TV signal has gone.
    • Lauralozzle
    • By Lauralozzle 9th Jan 18, 6:35 PM
    • 560 Posts
    • 4,955 Thanks
    Lauralozzle
    Both today and yesterday have been NSD so I!!!8217;m at 5/18. Pretty pleased with myself!

    Didn!!!8217;t manage to post yesterday, ended up falling asleep straight after dinner.

    I!!!8217;ve hit 10,000 steps both today and yesterday.

    I ended up amending the hours of our heating today - I had it starting at seven in the evening but we have been getting back at six and the house has been freezing. So, it!!!8217;s necessary but I!!!8217;m sure I will see the direct debit increase come our next bill. We are in credit at the moment though so hopefully it won!!!8217;t be too bad.
    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 9th Jan 18, 6:49 PM
    • 7,073 Posts
    • 72,070 Thanks
    greent
    Janus a time to look forwards - where do you want to be in 12 months from now? 12 months: debt free (exc BTL mtge - but target of 4K ops) A decent no of jobs completed from our 'to do' list for the house (some are small, some are big/ long term/ expensive) Fitter. Hopefully with 2 children at uni. Pensions sorted.
    Today's actions towards this - transferred more money into kitchen fund .

    Activity. This is a BOGOF one. Take up a new hobby or resurrect an old one. ALSO, be active. Keep moving. Today: - more kitchen packing up done (lifting/ bending/ stretching) 10k steps done whilst doing so.
    [B]Non-negotiables
    -18 NSDs (if not, why not?) (not fussed if I don't achieve this as long as budgets aren't blown) 2/18.
    -your budgets are set by the start of the month and are fixed.
    Food - 98.05/£400
    Fuel - £63/65 -
    Toiletries - 0/£10
    Household - 55.63 /£20 - (busted due to new toaster/ teatowels)
    Clothes - 12.13/ £60
    Social - 86.39 + McDs/ £100 (all bday related)
    Gifts - 15/ £50 -
    -£5 to foodbank / charity - DONE
    -pay money to your debts/savings FIRST - day to day CCs paid off in full, usual monthly pymt to OH's car finance. Some money transferred to kitchen fund. My tax bill paid in full (£565). Min payments to both 0% CCs this month until kitchen expenditure known in full, instead of estimated
    -meal plan - I don't do this. OH hates meal planning. However, I am targeting stuff which needs using up first, even if only for me. Gaps in freezer and on shelves.

    Always plan your meals; always take a shopping list; always take your lunch to work and drink + snacks when out and about; avoid all coffee shops, vending machines, work canteens... -ok
    Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read. ok. Today I repaired one of DS2's cuddly toys (I also sewed a swimming badge on DS3's towel whilst I was in the mood) Added some sewing items to shoebox appeal bag (they make up sewing kits for adults)

    Stretch challenge - aim to get extra money of £50. £23.81/£50 (claimed some payable tcb) (+ £7 net ebay sale for DS3) Aim to declutter 50 items. 100/50
    Have joined pay off all your debts by Xmas 2018, MFW 2018 (looking to OP £4k on BTL mtge), Declutter in 2018 (aiming for 2018 items!) Relisted 7 items on fleabay - 1 now sold

    something Joyful in Jan : n/a today

    Cold here again today - spent first couple of hours after school run attacking the ironing mountain to warm me up! Other than that, not much to report x
    Last edited by greent; 09-01-2018 at 7:49 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) £1068.37/£4000
    Net sales 2018 £519.32/£1000 PAYDOX18 (#15) £18459.38/£18918.90
    • x_raphael_xx
    • By x_raphael_xx 9th Jan 18, 6:53 PM
    • 3,550 Posts
    • 18,511 Thanks
    x_raphael_xx
    Evening all

    Lazy day today, BF went to work and I stayed snugged up in bed with the pup til 10. Then I got to the gym for a PT session & then headed to the cinema. My bestie had given me a free ticket so not a penny spent.
    Popped in the shop on my way home as I was getting hungery and fancied a wrap. Picked one up, saw the £2.90 price tag, put it down and walked out.


    Janus - 12 Months target to repay Mum. £241.03 / £3000
    Nothing added today, although I got my payslip, so know how much extra pay I have from NY to pop into the fund on friday.

    Activity. Crochet & keep active.
    PT session at the gym, arms and back today. This year one of my goals is to do one unassisted pull up, so today was step one.

    Non-negotiables:
    -18 25 NSDs 8/25
    Yesterday was a spend day. Bought some long running tights, all of mine are 3/4 length and let in the icy cold.
    Also bought some boxing pads with birthday money from my mum. BF bought lunch, (I got my free birthday cookie from Subway) I bought costa. Bodyshop gave me a free £5 birthday voucher, and I managed to come away with shower gel and a bath bomb for just that.
    We also bought a new armchair and footstool/storage cube for the frontroom.
    -£5 to foodbank / charity

    Unabashed, unambiguous, unconditional, undaunted, undivided, unerring, unshakeable devotion to your goal(s). [more on this later]
    Sunday I did a 10k run. I didn't get a pb, but I did beat my time last year by a whole 9 minutes for the same route. Very pleased with my efforts

    Always plan your meals; always take a shopping list; always take your lunch to work and drink + snacks when out and about; avoid all coffee shops, vending machines, work canteens... Slow cooker curry planned for tomorrow, and I will make a chicken pie at the same time for thursday.

    Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read.

    You are the key to reducing your debt, living modestly, keeping as fit and well as you can. So look after yourself - physically, spiritually, mentally and emotionally.
    I was really tired this morning, so treated myself to a well earned lie in.

    I want to re-introduce Bob's s t r e t c h challenge for January: how much extra an you earn / save off your food shop / move / remove.

    Debt Free as of 17/01/2009 Turtle Power!!
    May NSD's - 13/19 / Lose weight 7.8 lbs / 50 lbs
    EF Challenger #36 £139.93/£1800
    • mummylewis
    • By mummylewis 9th Jan 18, 7:39 PM
    • 86 Posts
    • 824 Thanks
    mummylewis
    Evening!

    We managed another NSD today so that makes 6/18. Really like coming home to a DH that's pleased with himself for not spending and we tick it off on the calendar

    Tomorrow will be spendy, going to take DD swimming and need to get more toilet roll and nappies so we'll stock up at Costco.

    Got an email earlier to say my costume refund had come through so I'll pull that to the bank from PayPal and put in savings as soon as it's cleared.

    Grateful today for DH doing dinner, a free car parking ticket and a very well behaved 2 year old!
    Money Saving since 2016 and determined to be debt free by 2020.
    • apple muncher
    • By apple muncher 9th Jan 18, 8:07 PM
    • 7,364 Posts
    • 55,474 Thanks
    apple muncher
    Today I am grateful for being fit and able to walk when the bus failed to show up, for a good counselling session, for getting some onions, for dd enjoying school, for dd going to brownies albeit for only an hour as she's so tired, for dd's love of reading, for spare meals in the freezer to pull out when needed, for my sister feeling better and taking time off work, for dh persevering and booking our tickets to Oz for the summer , for having the SAVINGS to pay for the tickets outright.
    NST June Odyssey #20; NSD 11/15; Ex 9/20 ; craft / (69); remove 54 (433)
    2018 Pay off: £2110; 2
    018 sell

    Mortgage £21,033 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • thriftylass
    • By thriftylass 9th Jan 18, 8:16 PM
    • 3,329 Posts
    • 27,277 Thanks
    thriftylass
    Swapped tomorrow's SFD for today's as it was more practical. Spend £67 in Tesco. All own brand., reduced or not cheaper elsewhere. Also bought tomboy DD a dress she loves for 6 quid and two soup caddies reduced to 2.

    Making a massive batch of lentil, veg, buckwheat soup in HM ham hock stock in the SC to use up random bits. Will do some more decluttering later and hopefully get to read tonight. Now will try and have at least anither 5 SFDs in a row till milk runs out
    NST June
    SFD 7/20 spends 526/480
    Exercise 9/20
    Debt - all 0% 1015 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 103541 (05/18) OP 0
    • mothernerd
    • By mothernerd 9th Jan 18, 8:56 PM
    • 2,431 Posts
    • 25,362 Thanks
    mothernerd
    Fully lurgified today, it took me nearly 2 hours to get washed and dressed. Went to little Arseda to buy milk for mum and had to hold onto the freezer for a while after bending down to look at the ys - no bargains.

    Met DS2 who was coming to borrow more money, so he carried two bags round to the taxi office for me. Mum was waiting by the gate and told me to go straight home if I was not well (think she is probably afraid of catching it). The driver took the milk and a bag of groceries in for her and brought me back (only wanted to charge me a pound, don't think he had the meter on).

    My big shelves arrived soon after I came home (were only due Friday and the little ones were expected next Monday and they are here also. Rested for a while but have started to pile my things up in the bath (only row one so far) and have pulled things out from under the bed. Lots of it is sorted or semi-sorted and I have shuffled filing and some other things as I went along - that way I get to sit on the bed in between carrying things and there will be less to do later.

    I have to make enough room to assemble the shelves (bed will stand on it's side) but Beloved has been sleeping all day so can't be noisy. I may sleep on the spare bed in the front room and continue tomorrow - left my boots and coat handy for if I feel the need to run away from it all and have a bag of food (had already gathered some to take to mum's). Taking my time with everything as I do not want to be more ill.

    Today I am grateful for a 'day off'', for easy to eat food (lots of yoghurt, spready sandwich fillings, veg with dip) and for a good book and tv series (Women's Murder Club) to break the monotony.
    This year I will be fierce
    NST Jun #1 SFD 7/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £15/£30 may buy clothes?
    No Debt No mortgage
    • lcc86
    • By lcc86 9th Jan 18, 9:29 PM
    • 975 Posts
    • 3,004 Thanks
    lcc86
    Evening all, just checking in. Migraine left almost as quickly as it arrived the other day thank goodness, there's not always any rhyme or reason to my migraines but glad they're much better than they used to be.

    Yesterday was an unexpectedly good day at work training new staff, I really enjoyed it when I was prepared to loathe it - really hate that sort of thing normally. Today has also been a good day at work, I've been demotivated recently so I needed a bit of a push.

    Had another trip to the vet with rabbit number 2, guess she was feeling left out and caught a sniffle from the other one... Put it on the cc and have filled out the insurance form. Will pay the excess from my emergency fund once I know what the insurance will pay. Either way the emergency fund will take a bit of a hit this month, but that's what it's for!

    Working from home tomorrow so that saves on fuel cost for one day at least, and I get to avoid a dreaded meeting that takes place every Wednesday I'm trying kickboxing tomorrow, the taster session is free, I'm going to see if I like it as I want to try something new.
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    £1117/£1000 EF £538 saved for household jobs
    Debt free and in the black for the first time in 11 years
    • Kerry Woman
    • By Kerry Woman 9th Jan 18, 9:55 PM
    • 2,342 Posts
    • 22,719 Thanks
    Kerry Woman
    NSD achieved - 5/18
    Grateful for:
    Spending time with friend again today.
    Walking to and from her flat.
    Achieving a few things in the flat.
    Watching the Martin Lewis Show tonight.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST June 2018 A June Odessey(Staycation) NSD 10/20
    • Fmess
    • By Fmess 9th Jan 18, 10:23 PM
    • 2,710 Posts
    • 25,983 Thanks
    Fmess
    Well done on paying for the flights from savings Apple, that!!!8217;s a huge achievement!

    Hope you feel better soon mothernerd

    SFD number 7 today I walked the dogs after work and someone picked up my old sofa, so I feel glad it!!!8217;s going to be used again but sad to see it go stupid I know!

    Tomorrow will be spendy as it!!!8217;s SW night and I need to buy a few bits of food and petrol.
    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
    • abundant1972
    • By abundant1972 9th Jan 18, 10:31 PM
    • 1,227 Posts
    • 9,215 Thanks
    abundant1972
    Hey all...

    Weird kind of day. A struggle to get going again, but the day went well. Bagged a free lunch and a sandwich to take home with me too!

    Spent some money this evening (not on food) but still have money left over for the month.

    So a spend day today.

    Today I am grateful for:
    • The laughs we had at work
    • Free food appearing at a time when I really needed it
    • A friendly person at work being very kind and helpful
    Night all 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!
    • misstara
    • By misstara 9th Jan 18, 10:49 PM
    • 2,762 Posts
    • 19,572 Thanks
    misstara
    Small spend in the supermarket today - £6.50. Also went to B00ts and got one of my fave perfumes, a gift set for £25.33. Had £25 in vouchers for Christmas so only 33p spent . Spent £10 of my points on a s0ap and gl0ry gift set, one with 50% off. Really pleased with what I got
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £726.18 (68.5% paid)
    Car debt Nov 2017 £797.68 Now £499.01 (37.4% paid) + monthly payments £146.82 6/60
    Emergency fund - £0/£1000. Car fund - £0/£1000.
    Mini Targets in June
    Exercise target - 3/16. Groceries target £93.68/£175. NSD target 7/20.
    • sashanut
    • By sashanut 9th Jan 18, 11:47 PM
    • 2,827 Posts
    • 26,177 Thanks
    sashanut
    No 6 checking in
    Hi all turtles

    4 hours in the CS today - yikes the donations have reached crazy proportions. Never seen so much stuff, they just can't cope with it all...huge mountain of binbags to sort behind me, huge wheeled bin full to the top next to me, same size bin up by the till with lots of bags piled in front of it, it's mad.

    Janus So this is a time to look forwards - where do you want to be in 12 months from now? I would like to have the house much clearer. Slow progress but small steps.. 5 years? House completely clear & clutter free, DD settled in her own home. 10 years? Spending half the year in Ireland, half here

    Activity. This is a BOGOF one. Take up a new hobby or resurrect a new one. Took books back to CS - that is one thing that they are short of - plus some old newspapers for wrapping china etc. Finished a sock, started on its mate..

    ALSO, be active. Keep moving. Active all morning in the cs, in the garden in the afternoon for a while.

    Non-negotiables:
    -18 NSDs (if not, why not?) still on 4/18 as a spendy day on a Tues


    -your budgets are set by the start of the month and are fixed. Nearly - think I will say £250 for us & all animals, should not need near this amount so all saved will go to another project. Filling in book with receipts, found most of them. Kept receipts from shopping, will fill in book later.


    -£5 to foodbank / charity Will do this week. Tried to purchase something from charity, held up by website, will investigate. No go atm, will choose another if no joy tomorrow. Still a WIP

    -pay money to your debts FIRST - do not wait to see how much is left at the end - and live within your budget Do not have debt but have a cc paid off in full each month, which gives vouchers I use at Christmas. Has been a v spendy month, will cut down as much as possible. Will be prepping to start selling some of this stuff ASAP.

    -meal plan Lunch was HM potato & leek soup again supper posh dogs & chips, all but the chips YS..


    Unabashed, unambiguous, unconditional, undaunted, undivided, unerring, unshakeable devotion to your goal(s). [more on this later] Do not exercise as was - like many people - put off at school. And I was also rubbish! Put off swimming by being pushed into the deep end (by the swimming teacher!) which instead of having the desired effect of getting me swimming, actually nearly drowned me..


    Always plan your meals; always take a shopping list; always take your lunch to work and drink + snacks when out and about; avoid all coffee shops, vending machines, work canteens... Making shopping list for tomorrow now, don't work outside the home but do a bit of voluntary work. Deviated a bit from shopping list, but not much, took fruit to work & get free brews..Don't drink coffee & never go in coffee shops..will try & take snacks, drink when out & about..


    Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read. Got more books from CS to add to the stash but will return once read. Only read when in bed so takes awhile to get through. Now have 2 books on the go..

    You are the key to reducing your debt, living modestly, keeping as fit and well as you can. So look after yourself - physically, spiritually, mentally and emotionally. Determined to look after myself & pamper a little each week, have already had a face pack yesterday, need to do things for myself instead of being a in constant rush doing stuff for family In garden for about an hour before the light went completely. Making a difference in the greenhouse, which was dire. Aim to get some seeds in this week.


    I want to re-introduce Bob's s t r e t c h challenge for January: how much extra can you earn / save off your food shop / move / remove. Completed survey but failed on eBay front, found one shoe of a pair planning to sell but so far no sign of its mate, ah well that led to a lot of sorting out & I did find stuff that I was missing, so a benefit of a type.
    Would joining the 1% thread help you? Or the MFW for 2018? Or the pay off all your debts by xmas18? Does reading mrmoneymustache or frugalwoods inspire you? Have joined Frugalwoods challenge already & will be interested to see how it pans out. Have been on MMM & introduced his philosophy to DH, applied the principles so we are now MF - wish we had done it years ago, wasted so much time/money etc. in the past..
    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
    • thriftylass
    • By thriftylass 10th Jan 18, 7:03 AM
    • 3,329 Posts
    • 27,277 Thanks
    thriftylass
    Good morning,

    Nothing exciting today, SFD, lunch ti work and get the house cleaned tonight before DH gets back tomorrow and stick a Ragu in the Slow cooker.

    sahanut what seeds will you start with?
    NST June
    SFD 7/20 spends 526/480
    Exercise 9/20
    Debt - all 0% 1015 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 103541 (05/18) OP 0
    • f0xh0les
    • By f0xh0les 10th Jan 18, 7:25 AM
    • 1,470 Posts
    • 12,234 Thanks
    f0xh0les
    Morning! Yesterday was NSD 6

    Took kids to school, came home, picked up 2 lunchboxes the kids swore they had put in their backpacks (they had made it as far as the bottom stair when they put their shoes on and forgot to actually put them in their bag. doh!) took lunches back to 2 different schools (I am sure the receptionists think I am a bit doo-lally) went to the gym did half an hour flat out. 300cals, came home, cleaned ,cooked, picked up kids, fed em, bathed em, put em to bed. That was my day really,

    Have to check in the pantry to see if today will be spendy. Hoping for inspiration as I am now Xmas potato free. Did well with those 29p spuds.

    Half a tank of petrol left.

    Gym is monthly membership, so free at the point of use.

    Will aim for:
    NSD 7
    Kids to school
    Gym for an hour
    Home for a lovely hot bath
    Launder bedding
    Lunchbox planning
    Baking
    Kids from school
    all the other stuff.

    Watch this space!
    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
    June 105,999.99
    NEXT GOAL is sub £105k before JulyMortgage-free wannabe 2018 #65
    • dolly84
    • By dolly84 10th Jan 18, 9:28 AM
    • 3,861 Posts
    • 35,800 Thanks
    dolly84
    x_raphael - well done on your 10K,

    Wet and foggy here today again. The gas people are outside doing lord alone knows what. Team after team of people arrive every day and achieve nothing.

    Will be going grocery shopping tonight but other than that I have no plans to spend.

    Sold another item on ebay last night but they haven't paid yet, listed another one yesterday too and that has a bid already.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
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