Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • apple muncher
    • By apple muncher 29th Dec 17, 3:41 PM
    • 7,384Posts
    • 55,623Thanks
    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 18
    • laurenh1
    • By laurenh1 10th Jan 18, 1:31 PM
    • 495 Posts
    • 5,206 Thanks
    laurenh1
    Hi all

    we are currently away hence the lack of posts.

    no NSDs, so still on 4, but well under budget which is the main thing. taking juices/ snacks everywhere we go so we're only spending on things we really want/ want to do. having so much fun.

    got the money I was waiting on too will update budgets when I am home.

    xx
    • NinjaSavingKat
    • By NinjaSavingKat 10th Jan 18, 1:40 PM
    • 3,236 Posts
    • 20,453 Thanks
    NinjaSavingKat
    ......"Just gonna have a wee read here and see what the Turtles are up to in the second week of 2018......"...

    Oh and I am gonna join you all in February...
    • thriftylass
    • By thriftylass 10th Jan 18, 1:45 PM
    • 3,335 Posts
    • 27,345 Thanks
    thriftylass
    ......"Just gonna have a wee read here and see what the Turtles are up to in the second week of 2018......"...

    Oh and I am gonna join you all in February...
    Originally posted by NinjaSavingKat


    Good to see you again
    NST June
    SFD 13/20 spends 738 (incl some from savings for festival etc)/480
    Exercise 11/20
    Debt - all 0% 1015 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 103541 (05/18) OP 0
    • greent
    • By greent 10th Jan 18, 4:29 PM
    • 7,081 Posts
    • 72,155 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 from flebay sales

    Activity. This is a BOGOF one. Take up a new hobby or resurrect an old one. ALSO, be active. Keep moving. Today: - just 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) 3/18. Got one today if I still can claim an NSD for milk (bought 8 pints to tide us over until I go shopping on Fri, after buying 28 at the weekend....)
    -your budgets are set by the start of the month and are fixed.
    Food - 102.23/£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 caught up the hem on a pair of DS2's school trousers where it was coming down Various items recycled.
    Stretch challenge - aim to get extra money of £50. £28.06/£50 (+ £7 net ebay sale for DS3) Aim to declutter 50 items. 120/50
    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
    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 £522.39/£1000 PAYDOX18 (#15) £18564.38/£18918.90
    • Toni'sfriend
    • By Toni'sfriend 10th Jan 18, 5:57 PM
    • 1,311 Posts
    • 12,743 Thanks
    Toni'sfriend
    NSD 6/12. C is out with his friend and the boy is buying me a Chinese take away.
    Washing and ironing all done and I've looked out what I'm taking with me on holiday. Not a lot as we travel as light as possible and I'll find somewhere to have things laundered as we go along. Not very MSE but it's a balance between that or carrying enough for a month. We'll buy what toiletries we need in Amsterdam to save hassle at the airport (needs to be as hassle free as possible when you're travelling with C these days). Apart from that I've been cleaning, tidying and throwing out. What C doesn't know about won't hurt him?
    I have managed to get the laptop to connect to the internet. The boy said we should just throw it out (he's the expert?) but I was determined that I could get it to work. Actually I don't know if it was me or if it decided to do it of its own accord. I swear these things have a life of their own. Anyway it's working again.
    So a few things to do in the next couple of days. Get some currency and collect prescriptions but although it's not all NSDs I pleased that we really are not spending very much.
    Off to watch something on Netflix. The boy is sharing his account with us so I don't have to pay for it. He's a wee star!
    • Lauralozzle
    • By Lauralozzle 10th Jan 18, 6:36 PM
    • 560 Posts
    • 4,955 Thanks
    Lauralozzle
    Today has been a very spendy day!

    Trip to the vets to collect the dogs tablets - we opted for 100 as it!!!8217;s cheaper in the long run but that cost us £116 was not expecting that. That is, pretty much, the entire emergency fund from last month gone. Will have to see if I can move some bits around but we might just have to take the hit with that one. I have allocated spends for the dog in the budget but this was well over.

    I!!!8217;ve now decided to set up a separate account solely for the dog and will revise the monthly figure we set aside to accommodate this.

    Other than that, I!!!8217;ve had a good day. One of our supervisors have announced they are moving teams so I am seriously considering applying for the job when it is announced. It won!!!8217;t be worth much more income wise but it!!!8217;s a step up so I will definitely apply. The worst they can say is no.
    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
    • Kerry Woman
    • By Kerry Woman 10th Jan 18, 7:03 PM
    • 2,350 Posts
    • 22,801 Thanks
    Kerry Woman
    NSD today - 6/18
    Grateful for:
    Walking.
    Reading my book.
    Voluntary work - discussion about a volunteer website. Was a discussion in a meeting room
    Enjoying the sights of London walking to the station tonight.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST June 2018 A June Odessey(Staycation) NSD 13/20
    • abundant1972
    • By abundant1972 10th Jan 18, 7:19 PM
    • 1,227 Posts
    • 9,215 Thanks
    abundant1972
    Evening!

    Today I am grateful for:
    • My first cup of coffee in the morning
    • Showers - convenient and energising
    • A week off work <hoorah>
    Today = NSD number 8

    Not much to report really today. Woke. Work. Home. Ate haha. It was one of those days. I'm trying to re-address my work/life/family balance and have been firm that next week I am taking the time out for ME. Not for family - Me. It feels selfish - but actually - I'm on my last legs. So meh! I'm doing it.
    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!
    • f0xh0les
    • By f0xh0les 10th Jan 18, 7:46 PM
    • 1,487 Posts
    • 12,346 Thanks
    f0xh0les
    Will aim for:
    NSD 7 - argh! DS4 has managed to lose his 2 week old pair of plimsoles at school, scoured the house looking for them AND his wellies. Nowhere to be found. Bought him a new pair of plimsoles, new pair of wellies, and caved at a new pair of trainers for football total £ 18.50.,
    Could not find my chequebook today so I have started looking in ridiculous places now. Found DS3s nearly new pair of size 1 plimsoles less than 10 minutes after writing DS4s name in his new pair of size 1 plimsoles. He loses them at such a rate of knots, I am sure they will all get used.

    Kids to school done
    Gym for an hourdone
    Home for a lovely hot bathdone
    Launder bedding 2 beds washed, dried and back on the beds
    Lunchbox planningvaguely
    Baking nope
    Kids from schoolyep
    all the other stuff.painted the landing and the landing ceiling.Touched up skirting boards in my bedroom, made supper, made DS3 and 4 hot chocolate and hot water bottles

    Did a nice thing this morning. An older lady did not have quite enough money for a trolley so I gave her a £1 coin anyway, and she gave me what she had in her purse. I was heading toward my car when I noticed one of the 5ps was a sixpence, so I ran back and gave it back to her, I couldn't take someone's lucky sixpence could I? She said she had been saving it for her son. I have a couple of sixpences knocking around the house I have found in my change or on the street (??)and everytime I come across one it makes me smile. Even though I was a post-decimalisation baby.
    Last edited by f0xh0les; 10-01-2018 at 7:53 PM.
    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
    • DawnW
    • By DawnW 10th Jan 18, 7:51 PM
    • 5,055 Posts
    • 39,913 Thanks
    DawnW
    Time to update I think, (sorry, not good at updating every day):

    Food, household and toiletries - £96.88 / £240
    Fuel - 0 / £65
    Personal spends (covers clothes, hairdressing, social etc, this is for 2 of us) - £40 / £100
    Gifts - £75 / £150 (Daughter's and best friend's birthdays)
    Food bank £5.22 / £5

    I had to go to the dentist's today, and OH is having chiropractic treatment, so big bills for both of those but can't be helped.
    Struggling with NSDs - I count everything as a spend, and there seems to be something nearly every day
    Stalled a bit on the decluttering as well

    But the budgets are going more or less as expected, at least
    NSDs for June 9 / 10
    Groceries / cleaning / toiletries / pet food etc £227.30 / £250
    Fuel 99.95 / £100


    • apple muncher
    • By apple muncher 10th Jan 18, 8:03 PM
    • 7,384 Posts
    • 55,623 Thanks
    apple muncher
    Greent - yep, you still keep your nsds re milk.

    NSK - sooo excited to have you around again. mothernerd is running Feb - no pressure, eh?? I think mothernerd ran the very first month after you stopped and went travelling, so she can handle it!
    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
    • Eager_Elephant
    • By Eager_Elephant 10th Jan 18, 8:03 PM
    • 4,406 Posts
    • 25,240 Thanks
    Eager_Elephant
    Not long after I posted on Monday night I got a call to say that F-I-L had been taken in to hospital, he passed away early hours of Tuesday morning.

    Did spend on hospital car park but will count that as medical so Tues was a NSD.

    Today has been a spend day as popped to Lidl for some easy breakfast stuff for DD which she can eat in the car on the way to school. Also got myself a gorgeous lemon donut!!!
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • apple muncher
    • By apple muncher 10th Jan 18, 8:10 PM
    • 7,384 Posts
    • 55,623 Thanks
    apple muncher
    Unabashed devotion to your goal - question 5
    How do you approach your life?

    (Again, no need to write replies)
    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
    • apple muncher
    • By apple muncher 10th Jan 18, 8:11 PM
    • 7,384 Posts
    • 55,623 Thanks
    apple muncher
    oh, E_E, huge hugs to you. You are having a tough ol' time of it at the mo x
    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
    • Kerry Woman
    • By Kerry Woman 10th Jan 18, 8:47 PM
    • 2,350 Posts
    • 22,801 Thanks
    Kerry Woman
    Eager_Elephant - Sorry for your loss. Thoughts and prayers with you and your family.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST June 2018 A June Odessey(Staycation) NSD 13/20
    • dizzyblnd
    • By dizzyblnd 10th Jan 18, 8:54 PM
    • 407 Posts
    • 3,683 Thanks
    dizzyblnd
    Dancing- I try to plan ahead but life often gets in the way I would definitely say learning to plan ahead is a life lesson that takes months to imbed.

    Apple- Oz in the summer- wowzer! How exciting.

    Raphael well done on ur 10k. I'm struggling to get up to 5k at the moment.
    NST2018 mortgage-free wannabe #145
    • x_raphael_xx
    • By x_raphael_xx 10th Jan 18, 9:20 PM
    • 3,552 Posts
    • 18,512 Thanks
    x_raphael_xx
    Hi all.
    Took me a while to get going today.
    I put a chicken curry in the slow cooker, prepared chicken & bacon pies for tomorrow and made a soup. Then I sat around at a loss, I was feeling very tired but finally decided to go out for a run with the pup to get the blood pumping.
    I think I might return the new long tights I got as they are too loose at the top so kept falling down. I turned around after a couple of minutes, changed into my old tights and went back out again.
    Then it was boxing this evening. texted BF when it finished to get some rice on the go, so dinner was dished up as I got through the door.

    Janus - 12 Months target to repay Mum. £241.03 / £3000
    Nothing added today, waiting on fridays wages to hit my bank so I can pop some more money in. I was supposed to be going paintballing at the end of the month, but I've declined and will add the £30 into mums fund instead.

    Activity. Crochet & keep active.
    Run & Boxing today. Crochet ready to go.

    Non-negotiables:
    -18 25 NSDs 9/25
    Nothing spent today. Doing well
    -£5 to foodbank / charity

    Unabashed, unambiguous, unconditional, undaunted, undivided, unerring, unshakeable devotion to your goal(s). [more on this later]
    How do you approach your life?
    Originally posted by apple muncher
    I approach life with a positive attitude. Poop happens, it's just life. So when bad stuff does happen, I take a deep breath and move on.
    I never used to be like this though, I used to dwell on every tiny little issue. Now I just think "Can it be fixed?" If it can, I fix it. If it can't, why worry about it something you can't help.

    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... Meals planned for next week too. Pre-defrost freezer clearance is going well.

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

    Odds & ends of veg used for soup. Last scraps of cream used for the chicken & bacon pie

    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.
    Was a little tough getting my running shoes on today, but I enjoyed it when I got out. Despite having to come back home immeditately I went back out rather than giving up and staying 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.
    Managed 3 surveys in a row tonight. They have been so sparce recently.
    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
    • x_raphael_xx
    • By x_raphael_xx 10th Jan 18, 9:24 PM
    • 3,552 Posts
    • 18,512 Thanks
    x_raphael_xx
    Raphael well done on ur 10k. I'm struggling to get up to 5k at the moment.
    Originally posted by dizzyblnd
    Consistancy is key. 3 runs a week is better than one long run.
    Go for a run two days in a row too, train your muscles to run when tired. No more than 2 days thou! The strength comes from resting and repairing.
    Do you have a parkrun near you?
    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
    • ilovetea
    • By ilovetea 10th Jan 18, 9:53 PM
    • 863 Posts
    • 6,663 Thanks
    ilovetea
    Hello.
    Long time since I checked in. Had a bad eye infection which has made reading rather difficult.
    Up to 7 NSD. had to buy bread and some bananas.
    Opened a new account at the building society. Pays slightly better interest than the old one ,that's my new saving account from now on.
    Done a few surveys,not as many as I should and made £33 on eb* y
    Trying to eat sensibly,doing fairly well.
    Sashanut I work in a charity shop as well. Like you we have had loads of stuff donated. Unfortunatly all small sizes

    ilovetea xx
    #10 Make £2018 in 2018. £743.27
    • mothernerd
    • By mothernerd 10th Jan 18, 9:58 PM
    • 2,438 Posts
    • 25,429 Thanks
    mothernerd
    Thinking of you EE. Hugs Fmess, ccl and anyone else who wants one (promise not to pass lurgy on). Thank you for your faith in me apple.

    Worked on clearing the room until 6am this morning - later boxes were less sorted (throw the rubbish and scoop the rest up, before my back hurts too much). My hair is dreadful as I was sweating profusely and kept dragging my fingers through my hair to pull it away from my face. Brought a sheet from downstairs (was actually a quilt cover), put it on the mattress and wrapped it over the top of me and rested for a few hours (slept for part of it). I was tired but woke up a bit by the time I had washed and done my teeth.

    Woke up, had pills and something to eat, moved the bed through 180 degrees, sweeping round and under at each pause. Then it was time to get dressed and go to crafts. Easy session, only 3 of us there. Drew an outline of the first lette of one participant's name and doodled (a heart, a flower, trailing leaves, a star, a dog and an owl) so that she could colour it in and then made cards with the other attendee - we were gifted some expensive card making materials a while ago, so used some of them. I had a good look when I cleared out the craft cupboard and put them in a hamper for things to do in 2018.

    Very tired, so topped up on rolls at the little shop (bag of food I had prepared is nearly empty, had the raw veg with the last of the dip for breakfast). Had a short rest then started to bring shelf parts upstairs. Instructions said it was a 2 'man' job (their pictures) but had mostly put the first one together when DS3 and Beloved woke up (I actually thought they had gone out for the day). Asked DS3 for help with an awkward bit and he stayed until both sets were done.

    One piece missing (one of the packages had been damaged and taped up) but it is fine because we have put that part at the top and as it's the bit that makes it into 2 cubes we have a longer shelf, which is the perfect height for the printer (we checked that it wasn't too high for Beloved). The pack of cube cardboard boxes fit perfectly in the cubes as well (they may get covered in fabric or paper at some point, but for now I am glad to have a pack of 20 for the price of 2 or 3 ready made ones). They will also be good for hiding non-uniform materials.

    Hoping to do a quick sort tonight as I really want a bath. The pile of 'stuff' is higher than me but quite a lot is cardboard boxes. may set them out on the bed and sort into the boxes like a mail room and then tackle a box at a time - with my ruthless head on. Stuff must go.Don't care about the sorting as long as I can have a bath and get into clean sheets and a properly made bed. Now have 16 cubes + 4 spaces on top to sort into categories.

    Have already filled a huge bin bag and two small carriers with assorted rubbish. Will try to sort my 'new' desk tomorrow before CBT - it's mindfulness week.

    Today I am grateful for staying on my feet, putting the shelves together without trauma and a bath (I will have one).
    This year I will be fierce
    NST Jun #1 SFD 8/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £15/£30 may buy clothes?
    No Debt No mortgage
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,247Posts Today

6,613Users online

Martin's Twitter