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  • FIRST POST
    • mothernerd
    • By mothernerd 29th Jan 18, 8:24 PM
    • 2,368Posts
    • 24,628Thanks
    mothernerd
    NST February A FOREST ADVENTURE
    • #1
    • 29th Jan 18, 8:24 PM
    NST February A FOREST ADVENTURE 29th Jan 18 at 8:24 PM
    NST February

    A FOREST ADVENTURE

    For February, I want to take you on a trip to the Fantasy Forest. This is no domestic wood. The Fantasy Forest is packed with dense green foliage and bright flowers. It is dense and humid. (You may want to retreat there for a few minutes each evening).

    The forest is wild and dangerous. There may be traps (broken boiler/ burglary). The animals may not all be friendly. We may encounter snakes, monkeys or polar bears (salesmen, procrastination, totally unexpected) to slow our journey or force us from the path to debt freedom.

    The insects will undoubtably bite. We may succumb to lurgy or delirium (getting am*z0n to send a drone won't really hurt, will it?). Youngsters and young adults will be joining us during half term and we must make provision for them.

    How will we survive. We will prepare and plan thoroughly. We will think what we need (not want) and stick to our goals, find solutions when set backs occur. We need to be as fit as possible (physically, mentally, spiritually and financially). If we are under par, we must take steps to right this.

    When it's hard, we will just keep plodding. We will help and encourage those who are struggling or suffering and celebrate any and all success. No turtle gets left behind.

    The forest is beautiful and magical. Enjoy the journey.

    THE RULES

    Always pay to debts or savings first, live on what is left.

    First of February until the 28th, inclusive. All turtles commit to following the rules.

    Organise your budgets before the start of the month and stick to them.

    Reserve a small portion of your budget (cash or goods) for the food bank or charity of your choice.

    Environment Be aware of your surroundings and use all your senses. Be alert to danger but also to beauty.

    Stock take your cupboards, fridge and freezer. Base your meal plan upon them and your shopping list on what is needed. Stick to your list.

    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions).

    Always take your lunch to work and snacks and drinks for outings or appointments (may excuse one trip with children or allow ice creams etc if part of the experience).

    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another.

    Valentine Who? We will not be celebrating commercialism or bad taste. Do your own thing. Practice kindness to all and don't forget yourself. Treat yourself kindly, like a friend or someone you love and care about. Smile, hug, say hello (I understand these things are culturally unacceptable in London and some southern regions - try to change it but don't get arrested or committed). Small gestures of kindness may make someone else's day.

    Exercise 5 times a week please. It should be commensurate with your abilities and current state of health (be careful after flu/ viruses). Getting outside helps with mantal health too.

    NSDs are staying at 18 this month. that is still 10 days available for necessary shopping. There would be far fewer opportunities in the forest. Exceptions for medical care, petrol (should be within budget), bus fares, ys bargains and milk for greent.

    Throw
    it away. We should all be aware that there is no such place as 'away' and recycle or donate appropriately but we all have too much stuff and even if you are ill, getting the rubbish and recycling helps slow the descent into chaos.

    Use what you have. Fix something (for free if possible). Make something from a cardboard box (ideas for half term). If you have time, it may be useful to go round your house making a list of things that need fixing. Some may need to wait for better weather but when you are repaying debt and the focus is on that, you may find your house looking rather shabby. If you have a list of things that can be fixed or improved at little or no cost, it can give you a lift and a sense of progress.

    Refuel properly. You ask a lot of your body, give it the fuel that it needs - healthy food, water, a reasonable amount of sleep. Refuel your mind and spirit by taking time to relax and rewind.

    Elephants and Frogs. We all have them. For newer turtles who have never visited Flylady, a frog is any task you have been putting off - eg a difficult phone call. Over time the small task has become a giant obstacle. Tackle the frog and the rest of your day will be a breeze.
    An elephant is such a huge task that you just do not know where to start. How does one eat an elephant? One bite at a time. elephants need to be broken down into small manageable pieces. i want to hear about lots of frogs being eaten and the odd elephant being cut down to size. (That will leave us with more time to hide from the polar bears).

    Along the way we will have daily inspiration. This challenge is intended to be hard (several turtles were already anticipating a difficult month) so this month's quotes are going to be gentle and nurturing.

    They are not a get out of jail free card, but when you are having a difficult day, just focus on the quote of the day, take comfort from it.

    There may also be mini challenges, but these are optional.

    So who is tough enough for the turtle challenge.











    This year I will be fierce
    NST May #13 SFD 10/19 Food £129.13/£120 Travel £15.20/£15 Ent £22.44/£30 (+ £20 membership fee)
    No Debt No mortgage
Page 11
    • DawnW
    • By DawnW 10th Feb 18, 11:09 AM
    • 5,004 Posts
    • 39,461 Thanks
    DawnW
    Lots of that password stuff going on, lots of people have had issues with it, as well. Something to do with the hacking or whatever it was last week I wonder?


    • laurenh1
    • By laurenh1 10th Feb 18, 12:05 PM
    • 471 Posts
    • 4,935 Thanks
    laurenh1
    mothernerd your jokes make me laugh. mango one took too much explaining to hub

    hub asked for money to get me a small something for Valentine's. so, shopping done, I have 32 pounds left for 2 weeks. but I have drawn out 20 pounds for tonight which I doubt ill spend. so whatevers left will need to be my spends til fri & then the 32 for the last week. nobody panic
    • f0xh0les
    • By f0xh0les 10th Feb 18, 3:05 PM
    • 1,408 Posts
    • 11,547 Thanks
    f0xh0les
    Reserve me a space on the naughty step!!

    After being totally brilliant all last week with poorly smalls and still managing to be amazing. Today I went shopping.

    I did my 20% off picks online. Took a £8 off a £40 voucher, and a £2 off any veggie chilled foods. Researched all the offers, ended up paying £38 for a £54 shop. But erm.... £23 of it was on ice cream. Non dairy ice cream. I had not tried the new Vegan Ben & J3rrys flavours, and at £5.50 a pot, it was a good reason not to try them, but I did today. I need to be tied to a tree for my non turtle ways.
    Everyone was very excited to try them though, and we all had a scoop of each one after lunch,

    I did save on the Alpr0 ice cream, it is £3.75 a tub, but I found it in Her0n for 2 for £1, So I blame that for One going mad in Waitr0se. I know some people can spend that amount on lunch out or a night in the pub, but I am still annoyed at myself. However, I can now buy plain vanilla soya ice cream at half the price and make it into the same flavours.

    I am still within budget though.
    • abundant1972
    • By abundant1972 10th Feb 18, 6:38 PM
    • 1,227 Posts
    • 9,215 Thanks
    abundant1972
    Evening all...

    I think we may need a bigger naughty step haha...

    Thursday = NSD number 3
    Friday = NSD number 4

    Today was day out with the parents and they took me out for lunch and we ended up in the Forbidden Zone [Coffee Shop] where I may have accidentally purchased some Ginger Bread Latte CAKE!!! I will go and say 100 Hail Mary's (or... Hail Martin Lewis's haha) and repent my sins.

    Next week will be different. I am re-booting AGAIN my diet/exercise goals. I was all set for this on 01st Feb but parent problems erupted and knocked me off track. After a few minor hiccups this week I feel in a better head space to get back on the wagon. Had a bit of a scare at the GPs on a routine blood check too... My cholesterol has jumped from 3.4 to 5.3 and my liver function is up the wall... That'll be all the comfort food I've eaten since July when my parents became ill... lack of exercise... and increasing the dose of prescribed medications... So I am going to help myself and do a bit of a gentle food detox. Bought some Milk Thistle and adding Tumeric to my food (both good for liver I'm told) and going to do some reading up on good ways to detox.

    Other than that life is ok. Will update my budgets later on... Have a nice Saturday 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!
    • mothernerd
    • By mothernerd 10th Feb 18, 7:03 PM
    • 2,368 Posts
    • 24,628 Thanks
    mothernerd
    Your comment in the first post, mothernerd, about houses getting a little shabby when debt-busting rings very true here. But the way you phrased it made me feel like I could actually get some free improvements done (garden bits, painting...). Thank you!
    Originally posted by apple muncher
    I think it always looks worse after Christmas. All bright and colourful then everything gets taken down and it looks sad and you notice all the worn bits (might be through being up close whilst cleaning or dealing with decorations). Doing something for nothing is the same as giving yourself a home manicure/ pamper session instead of splashing out on a spa weekend. Brighter surroundings perk us up.

    Mothernerd, I'm not in this challenge, but thank you for the laughs!! My sandwiches live in an unassembled state in the company fridge - I'm off to gather them now
    Originally posted by Siebrie
    I've used pinterest for my quotes this time, every time I saw something that made me smile I put it into a separate enclosure - some are spot on and some make me feel good because I am not that bad. I have a declutter article written by a woman who admits she used to hide dirty pots in the oven. Might not be that bad an idea - if I put half in the oven I could tackle the half that are out, then retrieve the oven ones. As it is DS3 and his Beloved fill the sink area then start piling stuff on the kitchen table (that's not counting all the ones they leave around the house).

    Reserve me a space on the naughty step!!

    After being totally brilliant all last week with poorly smalls and still managing to be amazing. Today I went shopping.

    I did my 20% off picks online. Took a £8 off a £40 voucher, and a £2 off any veggie chilled foods. Researched all the offers, ended up paying £38 for a £54 shop. But erm.... £23 of it was on ice cream. Non dairy ice cream. I had not tried the new Vegan Ben & J3rrys flavours, and at £5.50 a pot, it was a good reason not to try them, but I did today. I need to be tied to a tree for my non turtle ways.
    Everyone was very excited to try them though, and we all had a scoop of each one after lunch,

    I did save on the Alpr0 ice cream, it is £3.75 a tub, but I found it in Her0n for 2 for £1, So I blame that for One going mad in Waitr0se. I know some people can spend that amount on lunch out or a night in the pub, but I am still annoyed at myself. However, I can now buy plain vanilla soya ice cream at half the price and make it into the same flavours.

    I am still within budget though.
    Originally posted by f0xh0les
    Some of it could count as medicinal. Have you not saved any money by them being off their food? Okay it's extravagant but getting poorlies eating again/ half term treat sounds more reasonable. Remember to be more tolerant if they still want to stay in and lounge around for a few days.

    laurenh1 the card sounds fabulous. I can take no credit for the jokes - the mango passed before my eyes just after Calling and I were talking about bfs and their shortcomings.

    sashanut If you are making all your meals from the fridge and freezer contents, not running out but not throwing anything away, the cupboard audit can wait. think of it as your reserve, second wave supplies when what is immediately before you starts to run out/ you want something different.

    greent I think a takeaway is permissible if you have no working kitchen.

    Kerry Woman I love your posts, focusing on the little moments each day.


    The experiments in using my left hand continue. Ladling out of a large pan felt weird, eating with a spoon was a doddle (probably from years of feeding myself at the same time as a baby or toddler). Washed my hair this morning (will abandon thoughts of having it long again, something short, choppy and easily managed is best) and played a game on the laptop this afternoon (very slow but doable).

    Went out shopping late on when it was quiet. Mainly mum's - need to get another couple of things for her yet.Need to get on top of the remainder of 'stuff to be sorted'.

    Today I am grateful for being calm (really laid back), for all the things I can do with my left hand and arm, for finding a good book by a 'nw to me' author.
    This year I will be fierce
    NST May #13 SFD 10/19 Food £129.13/£120 Travel £15.20/£15 Ent £22.44/£30 (+ £20 membership fee)
    No Debt No mortgage
    • Kerry Woman
    • By Kerry Woman 10th Feb 18, 7:50 PM
    • 2,314 Posts
    • 22,425 Thanks
    Kerry Woman
    Was a spend day. Got food shopping and had a hair cut.
    Had to get a new hairdryer as my last one broke. I did have it for quite a few years so cannot complain. Used a loyalty card in a catalogue shop so no money spent.
    Grateful for:
    My hairdresser coming the flat to do my hair.
    Did not have to spend money for the new hairdryer.
    Doing a few house chores.
    Taking it easy this afternoon and evening.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST May 2018: May the odds be ever in your favour! NSD 18/19
    • apple muncher
    • By apple muncher 10th Feb 18, 9:18 PM
    • 7,295 Posts
    • 54,902 Thanks
    apple muncher
    F0xh0les - £23 on ice cream sounds quite reasonable to me!! I looked at the b&j dairy free ones, and one of them contains gluten (d'uh) and dd doesn't lile the other. So we are sticking with the swedish glace at £2.50 a tub. Or their version of 'mini magnum' at £3.20 for 5. Needless to say, I ensure that ONLY dd eats them at that price.

    Today I am grateful for the rugby, for my attempt at Impossible Pie almost working, for a good trawl around some ch shops with dd where she was the only one of us to spend money, for happy chats with dd, for finally getting some sewing up done, for swallowing a humungous frog this morning (though I suspect it will come back to bite me soon, sigh), for getting lots of washing done.
    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
    • Calling14
    • By Calling14 10th Feb 18, 9:50 PM
    • 2,703 Posts
    • 19,750 Thanks
    Calling14
    Quick update from me spent £5 in total on food Friday in the end and £10 on eyebrow tidy up and dyed. My treat time a little spend a month.

    Today daughters and grandkids over. So pizza and pancakes.
    Cleaning job done this am and small walk after they left so got 10k done.

    After moaning about bf now wants to take me out for lunch tomorrow. Think he knows he's been grateing on me lately. Be rude to refuse :-)

    Off to soak in bath and chill time.
    LBM 13039 1.1.13 Start 2018 £5552 NOW £3112
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 £2440/£5552 DFD 12/18
    E
    Fund #9 £220/£1,000
    1 x 100 days challenge
    £865/£2550

    • Fmess
    • By Fmess 10th Feb 18, 9:53 PM
    • 2,702 Posts
    • 25,899 Thanks
    Fmess
    Mothernerd I always hide dirty pots in the oven!
    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
    • sashanut
    • By sashanut 11th Feb 18, 12:04 AM
    • 2,791 Posts
    • 25,881 Thanks
    sashanut
    No 10 checking in
    Hi all

    Sleep still good, will keep up the new regime..although one of the 'sleepy teas' that I drink tastes yuk, Sadly it's the one we have 5 packets of - yes, bought by DH of course, you who remember the egg saga will know this already..I will be drinking them however rather than buying more of the nicer tasting one (half a packet only of these).

    Always : Will try to make sure I can make/save some money this month instead of always spending up to the max..No spends today


    First : Agree

    Organise : Bacon sandwiches for lunch & LO YS pizza for supper, it went a long way that £1.50 pizza..although I did make a pear & ginger bundt cake (sadly no special bundt tin, so I made it in the Christmas tree cake tin, very festive). Had it with some custard, then it will be eaten as a cake - but it's quite big...

    Reserve : Already make a charity donation each month from joint acc. Will also set up a DD for an animal one. Still to do


    Environment : Outside again this afternoon before the forecast bad weather. Pulling out huge brambles & trying to give it a bit of a tidy up. Had the company of a little robin, I suppose he thought I was going to dig him up some dinner..

    Stock take : Still lunch & dinner all from stocks in fridges/freezer - haven't had to chuck anything as yet which I thought I would. Need to stocktake all other food stocks (kitchen cupboards, pantry, larder, cellar ) will start tomorrow. Keep saying this & not doing it...again! Thanks mothernerd I don't know why I'm not doing it because when I do I find all sorts of stuff...although I do inventory the things I take/add into the cellar, which makes everyone laugh...


    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions): Not planning on any takeaways, too much food here to need any.

    Always take your lunch to work and snacks and drinks for outings or appointments: will do.


    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another: Surface still clear but still the only one!! Time to add another change tomorrow.


    Valentine Who? :
    Card only for DH, already have. Got YS flowers yesterday, they look lovely & I can use them as my Valentines, no need to get any more..

    Exercise 5 times a week please: Could well be gardening or clearing, cleaning etc but will aim to be active. Today it was gardening, more bramble wrestling and clearing around the pond, being careful not to fall in.unearthed a windchime that I had forgotten we had....

    NSDs are staying at 18 this month: NSD today so now 4/18

    Big push on this, much clearing needs to be done but refuse to toss useful stuff, will freecycle or CS - but preferably sell! Have photos ready to list now, will list this weekend.There is only tomorrow left of the weekend, so tomorrow!

    Use what you have. Fix something : Have some knobs on drawers cupboard etc in bedroom that have come adrift. Need superglueing or I have already bought 4 new ones if not fixable. Not done yet. Maybe will need to buy more outside paint, the one I used was rubbish...Cord that open curtains has broken, have to get up ladder to try & see how to fix it. Need DH to hold ladder as ceilings so high.

    Refuel properly: Will do this, already am taking some steps to improve health & sleep patterns. Taking supplements now & bedtime tea, seems to be working. Tea combined with pillow spray etc got me to sleep, not too bad food today & refrained from picking, but eating puddings as 'it's the weekend'..


    Elephants and Frogs: Frog printer tackled today & is now working, albeit intermittently. Elephant - sorted out some of DHs old polo shirts that will only be ragged at CS but that's fine, he won't wear them again as he found some that actually fitted him & never wears the old ones.
    Frogs 3 phone calls, one to cancel hair appt next Weds (will save a packet), tree surgeon who will come over weekend to price for trimming our massive Black Poplar tree, which has a TPO on it - will cost a packet but necessary as it overhangs the road and call to gas engineers to sort out DDs boiler & fire...whew No frogs today & no elephants either..



    dolly84 - yes we must be quite close we're 7.5 miles from there although I certainly can't claim to be biking up hills, we are lucky it is so beautiful. Agree about the Piece Hall, I do hope they manage to let some more of the shops & have some events in the summer. I used to like it when they had the market in there, but probably wouldn't be allowed now.


    Thanks mothernerd for running the challenge, it is very much appreciated even though I am not a model turtle pupil yet
    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
    • mothernerd
    • By mothernerd 11th Feb 18, 12:31 AM
    • 2,368 Posts
    • 24,628 Thanks
    mothernerd
    Day 11 inspiration
    Be crazy
    Be stupid
    Be silly
    Be weird
    Be whatever
    Because life is too short to be anything but happy

    You are turtley awesome

    As far as small dog can tell, you are doing your best given the circumstances.
    Small dog admires you for your effort.

    This is not your practice life

    Have a cute happy weekend

    This year I will be fierce
    NST May #13 SFD 10/19 Food £129.13/£120 Travel £15.20/£15 Ent £22.44/£30 (+ £20 membership fee)
    No Debt No mortgage
    • mothernerd
    • By mothernerd 11th Feb 18, 12:35 AM
    • 2,368 Posts
    • 24,628 Thanks
    mothernerd
    Fmess I'm shocked. When I was young I was friends with someone I worked with. Her house always looked tidy, despite having young children. One day she admitted that she never cleaned her oven - because no-one ever looked in your oven.
    This year I will be fierce
    NST May #13 SFD 10/19 Food £129.13/£120 Travel £15.20/£15 Ent £22.44/£30 (+ £20 membership fee)
    No Debt No mortgage
    • Fmess
    • By Fmess 11th Feb 18, 7:27 AM
    • 2,702 Posts
    • 25,899 Thanks
    Fmess
    Ha ha I also never clean my oven mothernerd . I don!!!8217;t know why, I clean everything else - fridge, freezer, microwave, toaster etc but never in the oven.

    Yesterday was s spend day as I bought fruit and veg and got my hair cut. My budgets are all gone already. This month is not going well financially however I only have one more plan to socialise and just is when my friend and new baby come up from London

    Today will be a spend free day, I have school work to do and lots of little chores around the house.
    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
    • greent
    • By greent 11th Feb 18, 7:55 AM
    • 7,011 Posts
    • 71,586 Thanks
    greent
    Day 10....
    Always pay to debts or savings first - car & 0% CCs on direct debit. 'Regular' spending CC cards always paid off in full by start of month. Once kitchen/ workmen fully paid for this month we will know what (if any!) we have left and that can go to OH's 0% CC. Any extra monies will also go there - small amount of cashback claimed and added to kitchen fund at mo - as any excess is going to CC anyway - should hopefully be paying for last of the kitchen (and bathroom) workmen bills within next 7-10 days and then I'll know exactly where we are

    First of February until the 28th, inclusive.
    Organise your budgets before the start of the month and stick to them.
    * Food 114.66/450 -
    * Diesel (me) - 0/65
    * Toiletries - 0/10
    * Clothing - 17.99/100 - OH bought some sports stuff
    * Social - 0/50
    * Half term - 0/75
    * Money in - 28.40/50

    Reserve a small portion of your budget (cash or goods) for the food bank or charity of your choice. - ok. Monthly DD to WWT. Should be attending a charity coffee morning next weekend and paid out 3.10 to school charity things. Also a small bag of toiletries to foodbank

    Environment

    Stock take your cupboards, fridge and freezer. Base your meal plan upon them and your shopping list on what is needed. Stick to your list. - desperately in need to top up supplies once kitchen is in! In the meantime we are shopping for little bits 'n pieces and eating stuff up from freezer
    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions). may have family takeaway as social if budget unspent elsewhere.

    Always take your lunch to work and snacks and drinks for outings or appointments (may excuse one trip with children or allow ice creams etc if part of the experience). - have half term budget- will take lunches if applicable but something like ice creams may fall into budget here

    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another.

    Valentine Who? after 30+ years together we don't really do Val now (although I may buy some of the flowers for myself afterwards if they have been reduced

    Exercise 5 times a week please. It should be commensurate with your abilities and current state of health (be careful after flu/ viruses). Getting outside helps with mental health too. - Am finally around 95-97% better post-flu (still tiring easily) Will start 'formal' exercise after half term. However half term brings a bowling trip, lots of house sorting (lots of steps and stairs) and (weather dependent) canal-side walks to see the swans and then go to the play areaNSDs are staying at 18 this month. Exceptions for medical care, petrol (should be within budget), bus fares, ys bargains and milk for [B]greent. 4/18 - another one yesterday
    Throw it away.-recycle or donate appropriately but we all have too much stuff -looking to remove 150 items this month - whether sell/ donate/ recycle/ bin - 12/150 (yesterday's progress was identifying things for flebay - so not out, but will be heading that way)

    Use what you have. Fix something (for free if possible). we need to update our house to do list this month - some jobs are being done as we have workmen in for the kitchen so are having them do some other bits whilst here (more cost efficient ) My main focus is a big clean and tidy- lots of dust spread everywhere from the works - some small jobs now ticked off. Clean up is continuing
    Refuel properly. Feb is a month of re-charging for me

    Elephants and Frogs. .Am sure I can find some frogs. An elephant I need to tackle is getting OH's co accounts for the year ready for the accountant
    I think this will be a post-half term job!
    Last edited by greent; 11-02-2018 at 8:15 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
    • f0xh0les
    • By f0xh0les 11th Feb 18, 8:18 AM
    • 1,408 Posts
    • 11,547 Thanks
    f0xh0les
    F0xh0les - £23 on ice cream sounds quite reasonable to me!! I looked at the b&j dairy free ones, and one of them contains gluten (d'uh) and dd doesn't lile the other.
    Originally posted by apple muncher
    Sadly it seems that the space B&Js are taking up is knocking Almond Dream off the shelves. Which means online ordering if I want mint choc chip - salted caramel is still available in the local Arseda.

    Tesco cornetto style strawberry and vanilla and toffee nut are both dairy and gluten free. The look on M-i-L's face when I told her she could eat them as well (she was just about to start on a poor me I honestly think if she changed her attitude from ' I can't eat that anymore (sniff, sniff, cow-eyes)' to 'that will make me ill if I eat it' she would be easier to get along with.

    I have heard strange whisperings about M&S doing a dairy free caramel magnum style ice cream on a stick. I have not found it yet, but I shall one day find it on my travels. It does exist. One to hunt for.

    Anyway, Alpro coconut ice cream is 2 for £1 in Her0n at the moment. Will keep an eye out if any more comes in. I walked in one day and they had swedish glace neapolitian boxes for £1. My freezer was rammed for weeks.

    My name is f0xh0les and I might have an ice-cream habit
    Last edited by f0xh0les; 11-02-2018 at 8:24 AM.
    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
    NEXT GOAL is sub £105k before JulyMortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 11th Feb 18, 8:39 AM
    • 1,408 Posts
    • 11,547 Thanks
    f0xh0les
    Sashanut - Trees are for life, not just for Christmas.
    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
    NEXT GOAL is sub £105k before JulyMortgage-free wannabe 2018 #65
    • laurenh1
    • By laurenh1 11th Feb 18, 9:38 AM
    • 471 Posts
    • 4,935 Thanks
    laurenh1
    foxh0les my little one has an ice cream addiction. The party last night had an Ice Cream machine & my LO had 3 (one given by me, one stolen off me & one he got off his Dad despite me repeatedly telling him no more)

    today is NSD #8 hurrah. aiming to be on 13 by this time next week. Id actually love to get to 20.

    the MSE Gods have smiled down on me too & I got a £20 M&S voucher in the post which I can spend on food that will do for this week & I can save the 30 pounds in my account for the week after.

    lost a whole lb at weigh in, a bit disappointed as Ive stuck to plan but I have big hopes for next week. need to keep at it.

    regretting my choice to work so much next week but I know the OT will come in on pay day- I will be glad I did it.

    pancake party today with our friends. looking forward to it. kids have had a great weekend at really very little cost, just goes to show! very much looking forward to spring now & getting the boys out & about.

    have a fab day all xx
    • Lauralozzle
    • By Lauralozzle 11th Feb 18, 12:29 PM
    • 560 Posts
    • 4,955 Thanks
    Lauralozzle
    My internet has been playing up but I think it is all sorted now, fingers crossed.

    I am on NSD no.6 today - will attempt to get five this next week. Planned spend day today as we need to go shopping. Budget is looking good though. I have not got much to report really, it has all been work and sleep this week.

    I am helping out my manager next week to help with planning, so I am assuming it is going to be a long week. Hopefully I will make up quite a bit of flexi time as I would like some days off in April.

    I am also applying for a supervisor role so helping out next week will help me understand if this is something I want to do - it will help me decide if I really want to be a supervisor or not!
    Last edited by Lauralozzle; 11-02-2018 at 4:19 PM.
    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 11th Feb 18, 4:45 PM
    • 7,011 Posts
    • 71,586 Thanks
    greent
    Day 11 Check-in :)
    Always pay to debts or savings first - car & 0% CCs on direct debit. 'Regular' spending CC cards always paid off in full by start of month. Once kitchen/ workmen fully paid for this month we will know what (if any!) we have left and that can go to OH's 0% CC. Any extra monies will also go there - small amount of cashback claimed and added to kitchen fund at mo - as any excess is going to CC anyway - should hopefully be paying for last of the kitchen (and bathroom) workmen bills within next 7-10 days and then I'll know exactly where we are

    First of February until the 28th, inclusive.
    Organise your budgets before the start of the month and stick to them.
    * Food 114.66/450 -
    * Diesel (me) - 0/65
    * Toiletries - 0/10
    * Clothing - 17.99/100 -
    * Social - 0/50
    * Half term - 0/75
    * Money in - 28.40/50

    Reserve a small portion of your budget (cash or goods) for the food bank or charity of your choice. - ok. Monthly DD to WWT. Should be attending a charity coffee morning next weekend and paid out 3.10 to school charity things. Also a small bag of toiletries to foodbank
    Environment
    Stock take your cupboards, fridge and freezer. Base your meal plan upon them and your shopping list on what is needed. Stick to your list. - desperately in need to top up supplies once kitchen is in! In the meantime we are shopping for little bits 'n pieces and eating stuff up from freezer
    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions). may have family takeaway as social if budget unspent elsewhere.


    Always take your lunch to work and snacks and drinks for outings or appointments (may excuse one trip with children or allow ice creams etc if part of the experience). - have half term budget- likely to go on a discounted game of bowling and burger half term offer
    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another.
    Valentine Who? after 30+ years together we don't really do Val now (although I may buy some of the flowers for myself afterwards if they have been reduced
    Exercise 5 times a week please. It should be commensurate with your abilities and current state of health (be careful after flu/ viruses). Getting outside helps with mental health too. - Am finally around 95-97% better post-flu (still tiring easily) Will start 'formal' exercise after half term. However half term brings a bowling trip, lots of house sorting (lots of steps and stairs) and (weather dependent) canal-side walks to see the swans and then go to the play area
    NSDs are staying at 18 this month. Exceptions for medical care, petrol (should be within budget), bus fares, ys bargains and milk for [B]greent. 5/18 - another one today
    Throw it away.-recycle or donate appropriately but we all have too much stuff -looking to remove 150 items this month - whether sell/ donate/ recycle/ bin - 25/150
    Use what you have. Fix something (for free if possible). we need to update our house to do list this month - some jobs are being done as we have workmen in for the kitchen so are having them do some other bits whilst here (more cost efficient ) My main focus for Feb is a big clean and tidy- lots of dust spread everywhere from the works - some small jobs now ticked off. Clean up is continuing
    Refuel properly. Feb is a month of re-charging for me
    Elephants and Frogs. .Am sure I can find some frogs. An elephant I need to tackle is getting OH's co accounts for the year ready for the accountant
    I think this will be a post-half term job!

    Quiet day. NSD. I've spent much of the day cleaning/ washing up (lots of the things packed away needed cleaning) /putting things away in kitchen/ dealing with laundry. OH has mopped the kitchen floor and watched rugby.....

    Tomorrow won't be a NSD. OH is working from home, so I shall leave him in charge of smallest 2 (and kitchen fitter) and take DS1 jeans shopping..... (argh!) I also need some food shopping - big-ish shop in A1di and smaller (for some branded items) in Sains (have a discounted gift card to use) Oh - and we need a new loo seat for our bathroom (doesn't fit a standard one from the usual places ) (£50!) - I shall pop into the store (on the way into town anyway) if I remember and see if I can get one ordered to collect it from there - as postage for it to be delivered to home is an eye watering £20! - with no option online for click and collect
    Last edited by greent; 11-02-2018 at 5:11 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) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • Kerry Woman
    • By Kerry Woman 11th Feb 18, 6:35 PM
    • 2,314 Posts
    • 22,425 Thanks
    Kerry Woman
    NSD today 8/18
    Grateful for:
    Spending time with friend today.
    Walking there and back from friend's.
    Managed to do some decluttering today.
    Self-care.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST May 2018: May the odds be ever in your favour! NSD 18/19
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