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    • apple muncher
    • By apple muncher 29th Dec 17, 3:41 PM
    • 7,366Posts
    • 55,488Thanks
    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 21
    • apple muncher
    • By apple muncher 12th Jan 18, 8:09 PM
    • 7,366 Posts
    • 55,488 Thanks
    apple muncher
    Today I am grateful for being able to bake, for getting the whole downstairs properly swept and tidied, for dd enjoying school, for dd loving the lunchtime football club, for my workout, for dh going to do the food shop, for messages from friends, for dd eating more (I think it was f0xh0les or greent who said their kiddies lost their appetites during inactive hols, which was good to hear), for fun frolics planned for tomorrow.
    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
    • Nicky Noo Na
    • By Nicky Noo Na 12th Jan 18, 8:33 PM
    • 760 Posts
    • 6,713 Thanks
    Nicky Noo Na
    Tues was no spends except dentist so that was NSD 4.

    Enjoyed my meeting on Wed and avoided getting a drink on the train so that was 5.

    Work all day Thurs and Fri and shops avoided so that's 6&7!

    Quite impressed that I had 5 NSD in a row. Tomorrow will definitely be spendy. Food shop coming in the morning and a few bits needed from various shops. Hopefully we'll manage an afternoon out with DD too so she can practice on her new bike

    • f0xh0les
    • By f0xh0les 12th Jan 18, 8:37 PM
    • 1,473 Posts
    • 12,249 Thanks
    f0xh0les
    Janus - goals for this month - finish decorating my bedroom and finish painting hall, stairs and landing and all banisters.

    Activity. 3 trips to the gym so far.

    Non-negotiables: still on NSD6
    All budgets stuck to so far.
    DS1 trip 160 paid this month. DS3 trip 240 paid this month, 2 x car insurances paid this month.
    Unabashed, unambiguous, unconditional, undaunted, undivided, unerring, unshakeable devotion to your goal(s). I am seriously sticking to the budget.

    Always plan your meals; . list written, most picked up already but need to Mr M tomorrow and Mr T for YS on Sunday

    Reduce, re-use, repair, re-gift, recycle, recover, refuse! And read.
    First book of the year finished. covered the loft hatch in hardboard and painted it so it does not look like a cut up bit of door (It wasn't me, it was like that when we bought the house) c/s bag sat by front door. Using up all the bath bombs and smellies from Xmas. My boys love a bit of glitter.


    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 am the key to improving my living environment. Everyone benefits. I feel more in control. I have a list and a plan for what I can do this month with the materials I already have, and a list for when January is over, as I am stretching myself this month, so that I won't be stretched any other month. 'Spent' some of my L0ve2sh0p ' free money' card on 75% off candles. I am burning the evidence.
    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
    • f0xh0les
    • By f0xh0les 12th Jan 18, 8:40 PM
    • 1,473 Posts
    • 12,249 Thanks
    f0xh0les
    for dd eating more (I think it was f0xh0les or greent who said their kiddies lost their appetites during inactive hols, which was good to hear),
    Originally posted by apple muncher
    must've been GreenT, my boys could eat for England, if there was an Olympic eating team. Holiday, or not.
    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
    • sashanut
    • By sashanut 12th Jan 18, 11:39 PM
    • 2,828 Posts
    • 26,186 Thanks
    sashanut
    No 6 checking in
    Hi all turtles

    Just to say our beautiful cat was killed outside on our very quiet road at 1pm today. Poor DH had to bury him & I've only just stopped being sick, sorry folks TMI

    He is on my avatar so I need to change it, it's too upsetting. And sometime will have to tell DD, she is not here thankfully so did not see..

    be back, for the challenge, but can't do today, hope you understand
    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
    • Kerry Woman
    • By Kerry Woman 13th Jan 18, 12:00 AM
    • 2,343 Posts
    • 22,728 Thanks
    Kerry Woman
    sashanut - Very sorry to hear about your loss. Sending you hugs.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST June 2018 A June Odessey(Staycation) NSD 11/20
    • misstara
    • By misstara 13th Jan 18, 12:03 AM
    • 2,765 Posts
    • 19,582 Thanks
    misstara
    Sorry to hear about your cat sashanut

    Not a NSD so still on 7. My sister is up visiting so we went out for tea. She treated me however I spent 4.50 on parking.

    Made a 5.57 payment to the debt today
    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.
    • mothernerd
    • By mothernerd 13th Jan 18, 3:46 AM
    • 2,431 Posts
    • 25,365 Thanks
    mothernerd
    Hugs sashanut
    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
    • DancingDragons
    • By DancingDragons 13th Jan 18, 5:59 AM
    • 113 Posts
    • 1,293 Thanks
    DancingDragons
    sashanut So sorry, hugs
    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
    • Fmess
    • By Fmess 13th Jan 18, 7:30 AM
    • 2,711 Posts
    • 25,997 Thanks
    Fmess
    So sorry to hear that sashanut , big hugs

    Yesterday was spendy as I was out for a friend!!!8217;s birthday meal (35), paid for my friend!!!8217;s boyfriend who is a plumber to buy and fit a part to stop the dripping toilet (20) and bought dog food to last until the end of February (105!!!!) - I!!!8217;ve put that on the credit card and will pay it off on payday.

    Today I!!!8217;m off to see my friend in London and her new baby. I!!!8217;ll be out the house for 10 hours and it!!!8217;s costing about 80 but it!!!8217;ll be worth it to see them both and offer my support.
    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
    • laurenh1
    • By laurenh1 13th Jan 18, 8:47 AM
    • 490 Posts
    • 5,158 Thanks
    laurenh1
    sashanut so sorry for your loss!!
    • dolly84
    • By dolly84 13th Jan 18, 9:03 AM
    • 3,861 Posts
    • 35,803 Thanks
    dolly84
    sashanut - how sad, I've been there myself and know how horrible it is.
    Total Debt 01/14 13043.00, now 0 debt free date Dec 2016, actually July 2016.
    • dolly84
    • By dolly84 13th Jan 18, 9:20 AM
    • 3,861 Posts
    • 35,803 Thanks
    dolly84
    We have heat and hot water again thanks to the very efficient service from our insurance company and the plumbing company that they sent. However it is only a temporary fix as the part isn't covered as part of the breakdown plus the boiler is old now. We are getting a quote today and will get another couple of quotes for a replacement. I'm not looking forward to spending the money but it is part of home ownership I suppose.

    No money spent yesterday apart from posting ebay parcels but that was paid by the buyer. Dropped a large bag of clothes and games at the charity shop along with a bag of things for them to sell for rag.

    Today I plan to cycle, get a quote for the boiler, go to the library as I've nearly finished reading Dan Brown's The Lost Symbol which I borrowed from DD, return DD's toothbrush to Argos and get a replacement as it won't stay charged and we haven't had it a year yet, walk the dog and try to buy a tea strainer - again
    Total Debt 01/14 13043.00, now 0 debt free date Dec 2016, actually July 2016.
    • Eager_Elephant
    • By Eager_Elephant 13th Jan 18, 10:24 AM
    • 4,403 Posts
    • 25,223 Thanks
    Eager_Elephant
    Got a doctors appt to sort out my eye infection.Turns out it's shingles. Put myself in solitary confinment for a while.
    Originally posted by ilovetea
    As apple says please be careful with shingles on/near your eye - my husband had shingles around his eye that we didn't know about and it spread into his eye and then into his head via the nerves and he now has neuro issues which are a flaming nightmare.

    Hope you feel better soon.
    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)
    • Eager_Elephant
    • By Eager_Elephant 13th Jan 18, 10:25 AM
    • 4,403 Posts
    • 25,223 Thanks
    Eager_Elephant
    sashanut so sorry for your loss. It is just utterly heartbreaking when a much loved pet passes away.

    I hope you can all take some time to remember your cat fondly.
    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)
    • Eager_Elephant
    • By Eager_Elephant 13th Jan 18, 10:27 AM
    • 4,403 Posts
    • 25,223 Thanks
    Eager_Elephant
    Thanks everyone for your condolences, DH and I have been in shock all week, it still doesn't seem real.

    Have managed some NSD's on Thursday and yesterday taking me up to 7.

    Not sure if today will be a NSD or not as got to make a start on clearing f-I-l's flat and may need to buy bin bags and storage boxes.

    Hope you all have a good weekend.
    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)
    • Igamogam
    • By Igamogam 13th Jan 18, 11:07 AM
    • 5,547 Posts
    • 45,429 Thanks
    Igamogam
    Hi all turtles

    Just to say our beautiful cat was killed outside on our very quiet road at 1pm today. (
    Originally posted by sashanut
    That is so sad to read.

    I had to take our much loved rescue pet for his final trip to the vet yesterday. He had been part of our lives for 12 years - DDs had grown up with him - and had given us much joy.
    Be the change you want to see -with apologies to Gandhi
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat'
    • greent
    • By greent 13th Jan 18, 11:21 AM
    • 7,075 Posts
    • 72,078 Thanks
    greent
    Day 12......
    Sorry for your loss, sashanut. ETA: and IgamOgam

    Reporting in late for yesterday which was a bit of a non-event, as I was only out of bed less than 8 hours - and spent all of those lying on the sofa. I think I have the flu - came on suddenly and strong - even my hands ache (alternating with feeling weird, as though pins and needles are about to start) Have only been up about half an hour now - but OH and DS1 are out, so I need to be up with smalls. I really must have a shower - I have sweated so much the past 2 nights (tmi!!) but the thought of undressing, getting wet and dealing with wet (& very knotty hair) and re-dressing is just too hard!!

    Because of flu, yesterday's plans for baking, Sains shop & some decorating in BTL went totally out of window - just walking downstairs exhausted me! OH popped to Tesc0 (closest shop) and got milk and some YS bakery goodies (he's terrible if he sees reduced doughnuts!) instead.

    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 - nothing

    Activity. This is a BOGOF one. Take up a new hobby or resurrect an old one. ALSO, be active. Keep moving. Today: -nothing - think my step count was less than 1000 yesterday!
    [B]Non-negotiables
    -18 NSDs (if not, why not?) (not fussed if I don't achieve this as long as budgets aren't blown) 5/18. Got another as only milk and YS purchased
    -your budgets are set by the start of the month and are fixed.
    Food - 104.94/400
    Fuel - 63/65 -
    Toiletries - 0/10
    Household - 55.63 /20 - (busted due to new toaster/ teatowels)
    Clothes - 12.13/ 60
    Social - 100.14/ 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 appearing 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.
    Stretch challenge - aim to get extra money of 50. 34.17/50 - (+ 7 net ebay sale for DS3) Aim to declutter 50 items. 140/50
    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 - 3 now sold

    something Joyful in Jan : n/a today

    Today is a lazy day. Plans are to sort washing in machine (been in there since Thurs!!), wash school uniforms and have a shower. And that will do!!
    Last edited by greent; 13-01-2018 at 1:39 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
    • f0xh0les
    • By f0xh0les 13th Jan 18, 11:24 AM
    • 1,473 Posts
    • 12,249 Thanks
    f0xh0les
    Sachanut, so sorry for your loss.
    They are members of the family like any other, and often more tolerant and loving than most.
    Be kind to yourself and remember what a great and loving home and life Puss had with you.
    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
    • Kerry Woman
    • By Kerry Woman 13th Jan 18, 5:45 PM
    • 2,343 Posts
    • 22,728 Thanks
    Kerry Woman
    Was a spend day. Have put what was spent in my notebook.
    Grateful for:
    Going out for a walk today.
    Managing not to spend too much.
    Managing to have done some decluttering.
    Did a few bits in the flat.
    Reading my book.
    Having a chilled out afternoon and evening.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST June 2018 A June Odessey(Staycation) NSD 11/20
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