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  • FIRST POST
    • mothernerd
    • By mothernerd 29th Jan 18, 8:24 PM
    • 2,343Posts
    • 24,364Thanks
    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 Apr #3 SFD 11/15 Food 82120 Travel 18.70/15 Ent 0/30 (+ 20 membership fee)
    No Debt No mortgage
Page 12
    • apple muncher
    • By apple muncher 11th Feb 18, 7:25 PM
    • 7,165 Posts
    • 53,898 Thanks
    apple muncher
    Today I am grateful for a good night's sleep, for a smooth journey, for shop-bought tikka masala, for friendly people, for watching a snowstorm, for said snowstorm not lasting long or settling, for all 3 of us being 'away' together, for a good rugby game on tv.
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: 1188; 2
    018 sell

    Mortgage 21,904 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • f0xh0les
    • By f0xh0les 11th Feb 18, 7:26 PM
    • 1,357 Posts
    • 11,084 Thanks
    f0xh0les
    I have had a lovely day today

    Every time I have gone out it has snowed, it was beautiful.
    DS3 managed to go out with DH for a bike ride for under an hour this morning (one lap of the park) before the snow started. He was betrayed by the bright sunshine. He came back frozen and has vowed only to ride a bike in summer. Hot drinks and biscuits sorted him out, but he still claims it was the worst bike ride ever.

    DH is having a tooth pulled tomorrow, so soft food is on the menu for the next few days. Pain meds in the medical kit (biscuit tin) ready to go.

    Hope everyone had a great weekend.
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,000April 107.---
    NEXT GOAL is sub 105k before JulyMortgage-free wannabe 2018 #161
    • apple muncher
    • By apple muncher 11th Feb 18, 7:43 PM
    • 7,165 Posts
    • 53,898 Thanks
    apple muncher
    Foxholes - thank you for the reminder about those tesco 'cornettos'. We have had them when away, but there's no nearby store here, so I'd forgotten.
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: 1188; 2
    018 sell

    Mortgage 21,904 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Fmess
    • By Fmess 11th Feb 18, 8:41 PM
    • 2,685 Posts
    • 25,718 Thanks
    Fmess
    SFD number 5 I think. A lovely day at home with some school work and three dog walks in the freezing sunshine with blue skies
    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
    • apple muncher
    • By apple muncher 11th Feb 18, 9:49 PM
    • 7,165 Posts
    • 53,898 Thanks
    apple muncher
    Hope yourhalf term is less frenetic than your work weeks, fmess. Are you on half term this week? Or the one after?
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: 1188; 2
    018 sell

    Mortgage 21,904 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • laurenh1
    • By laurenh1 11th Feb 18, 10:19 PM
    • 433 Posts
    • 4,525 Thanks
    laurenh1
    not the best of days today as our lovely Grandad passed away some nice moments though telling each other lovely stories about him & sharing memories

    bit of a rubbishy, nothing achieved kind of day.

    greatful for- my babies curls, my little boy buying me a rose plant for Valentine's day, good friends & pancakes
    • mothernerd
    • By mothernerd 11th Feb 18, 11:19 PM
    • 2,343 Posts
    • 24,364 Thanks
    mothernerd
    Hugs Laurenh1. Telling each other stories about your grandad sounds like a good way to spend your time - the chores will always be there another day.

    I have had a NSD (did the tale end of mum's shopping, could not carry any more yesterday). Shifted a mountain of washing up (none hidden in the oven) and recycling (suspect there is more in their room but have not been able to get in there) and put together two small shelf units (only the same size as a large spice rack but will take wider things). Started a serious purge of paperwork (maybe other stuff too). If lifting and moving things is going to be difficult, the more I can lose the better.

    Today I am grateful for it only snowing when I was indoors, for an entertaining tv series or 2 (2007 and 1989 respectively) and for hot baths (helps my shoulder). Still not cracked the sleeping thing but it's getting closer (have to work out the timing of the painkillers/ allow time for unwinding so my body and brain are ready to switch off at the same time).
    This year I will be fierce
    NST Apr #3 SFD 11/15 Food 82120 Travel 18.70/15 Ent 0/30 (+ 20 membership fee)
    No Debt No mortgage
    • sashanut
    • By sashanut 11th Feb 18, 11:52 PM
    • 2,764 Posts
    • 25,625 Thanks
    sashanut
    No 10 checking in
    Hi all

    Forced down another of the worse sleepy teas, not helped by the teabag busting when squeezed too firmly. This led to a coughing fit from the herbs, only lessened by the application of several Matchmakers..

    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 : BLT sandwiches for lunch & HM Chinese meal for supper, wasn't my favourite but DH was happy. Sadly there is portion left which will be a lunch, maybe I can get him to eat it..

    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 : Cripes it was Baltic outside today, lots of snow showers. Gorgeous tulips, but they were inside..

    Stock take : Still lunch & dinner all from stocks in fridges/freezer - only had to chuck some stir fry & a couple of salady bits. Need to stocktake all other food stocks (kitchen cupboards, pantry, larder, cellar ) will start tomorrow. When is this mythical tomorrow when I am going to inventory??

    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!! Changed back the routine this evening for the animals but realised that's not good, wolf-like howling unfair on neighbours tbh. Resume new regime tomorrow, works much better. No sign of tree surgeon this weekend as promised, Stuart - I'm coming for Ya!!

    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. Very slack with this today, oops..


    NSDs are staying at 18 this month: NSD today so now 5/18

    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! Listed only one item on FB, no interest sadly..

    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. Took photo of pulley effort from upstairs so I can see how to bodge the downstairs one. DH fixed hoover from where I inadvertently sucked up a plastic bag. Used risotto rice & almond milk for rice pudding, surprisingly nice..although not cost effective in the long term I shouldn't think. Have a rice mountain so will be trying different sorts, watch this space.

    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, eventually , evening my downfall as we still have stocks of chocolate etc.

    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: 2 emails sent

    Good point re the trees f0xh0les, can sense a theme here. DH was so enamoured by the Christmas tree we had this year, he refused until relatively recently, to remove it. It was a real one, it dropped virtually no needles, he watered it faithfully. It is now residing behind the shed, he is sure if he waters it, it will be OK for next year. Bless!

    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 12th Feb 18, 12:38 AM
    • 2,343 Posts
    • 24,364 Thanks
    mothernerd
    Day 12 Inspiration
    Happiness cannot be travelled to, owned, earned, worn or consumed.
    Happiness is the spiritual experience of living every minute with love, grace and gratitude.


    Be an encourager. The world has plenty of critics already.


    May you walk gently through the world and know its beauty, all the days of your life.
    This year I will be fierce
    NST Apr #3 SFD 11/15 Food 82120 Travel 18.70/15 Ent 0/30 (+ 20 membership fee)
    No Debt No mortgage
    • Kerry Woman
    • By Kerry Woman 12th Feb 18, 5:39 AM
    • 2,271 Posts
    • 22,006 Thanks
    Kerry Woman
    laurenh1 So sorry to hear your sad news. Keeping you and family in my thoughts and prayers at this sad time.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST April 2018: April Fool's Challenge NSD 14/15
    • apple muncher
    • By apple muncher 12th Feb 18, 7:41 AM
    • 7,165 Posts
    • 53,898 Thanks
    apple muncher
    Laurenh1 - sending you hugs and prayers. So good to hear you have happy memories of him.
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: 1188; 2
    018 sell

    Mortgage 21,904 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • laurenh1
    • By laurenh1 12th Feb 18, 9:00 AM
    • 433 Posts
    • 4,525 Thanks
    laurenh1
    Thank you everyone for your kind words, he was 90 , just turned, and a real larger than life character, we are sad but comforted by the fact that he really did have a wonderful life and a great run!

    Today is NSD #9 - I filled up this morning but don't foresee any more spends today. Budgets are still the same

    1000 emergency fund
    700 Paris
    100 xmas 18
    30 spends + 25 on gift cards for M&S
    Going to have to go into my emergency fund for a suit for my hub for Granddad's funeral. However I think I can put in back next month. so it turns out that the over time is a blessing in disguise as it will pay for that. Really need to try & keep that in there as long as possible as there is no spare money in the next 6 months.

    Off YS shopping again tonight in hunt for bread as we are all out, will run down as well Diet went out of the window yday but back with it today.

    ordering our e11 cards today (one of my frogs) my next frog will be to clean out windows which I will try and do this week, time permitting. I do not have any where near enough time with two little ones.
    • dolly84
    • By dolly84 12th Feb 18, 9:30 AM
    • 3,791 Posts
    • 35,217 Thanks
    dolly84
    Sorry to hear about your grandad Laurenh.

    Snow here today so the school run took a lifetime, it's a 4 day week this week then half term next weeks and I do look forward to a break from that horrible journey everyday.

    Need to go to the post office today with some ebay sales, still waiting for payment for some others, other than that today is work, dog walking, cleaning and possibly a run if the snow melts.
    Total Debt 01/14 13043.00, now 0 debt free date Dec 2016, actually July 2016.
    • dizzyblnd
    • By dizzyblnd 12th Feb 18, 11:52 AM
    • 403 Posts
    • 3,653 Thanks
    dizzyblnd
    I'm bailing out for this month. We have been moving house but lots of complications have seen us now living with family. I'm totally bummed about it all but I'd rather it all fall apart now than further down the line. Instead of doing this challenge I will investigate some mindfulness, start a bullet journal and look for ways to be back with vigour next month. I will still read everyday and cheerlead when i feel up so it. Good luck everyone.
    NST2018 mortgage-free wannabe #145
    • Calling14
    • By Calling14 12th Feb 18, 1:45 PM
    • 2,683 Posts
    • 19,701 Thanks
    Calling14
    Not enjoying Monday so far, couldn't sleep last night, trapped nerve in back so very little sleep.
    So tired and few glasses of wine I had last night not helping my mood combined with BT who for some reason best known to themselves suspended work broadband this morning. So shout at me day, I paid it so no idea how they work. The invoice is not even 2 weeks old yet and no reminders received. Hey ho shout more at the muppet, rang them, filled out online forms but do I care.
    One day I might win the lottery and hatch an escape plan - oops need to do it first.

    Haven't spent over the weekend, lunch on bf, however did give a birthday card for his kid over with a tenner in it, so counted that in going out budget.
    Gained 20 sainsbob voucher for surveys.
    Budgets updated.

    Roll on hometime.


    NSD - 8
    Food 25.31/80
    Petrol 0/40
    ME upkeep(hair/make up)- 13/10
    Clothing 10/20
    Social - 10/50
    Money gained surveys/extra income this month - 144.81
    Credit card payments this mth - 282
    New Blinds to pay for 124/224 in a few weeks time.

    Sincere Condolences laurenh1, Hugs and remember the fun times.

    Dizzyblnd keep going sure it all work out in the end.

    Last edited by Calling14; 12-02-2018 at 1:52 PM.
    LBM 13039 1.1.13 Start 2018 5552 NOW 3387
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 2165/5552 DFD 12/18
    E
    Fund #9 220/1,000
    1 x 100 days challenge
    2000/2000

    • f0xh0les
    • By f0xh0les 12th Feb 18, 1:59 PM
    • 1,357 Posts
    • 11,084 Thanks
    f0xh0les
    We have been moving house but lots of complications have seen us now living with family. I'm totally bummed about it all but I'd rather it all fall apart now than further down the line..
    Originally posted by dizzyblnd
    That;'s awful! So sorry for you. It is the major fear of anyone who has ever bought a house. I sold ours and moved into rented until I found a new one. Horrid hassle of finding a rental, and then paying twice what you would pay in a mortgage for 6 months, but getting out of that chain is priceless.

    You will be able to pounce when you find your new home (which will be much nicer and bigger than the one you lost ) Good luck!
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,000April 107.---
    NEXT GOAL is sub 105k before JulyMortgage-free wannabe 2018 #161
    • mothernerd
    • By mothernerd 12th Feb 18, 4:52 PM
    • 2,343 Posts
    • 24,364 Thanks
    mothernerd
    Hugs dizzyblnd and Calling. I nearly pulled out of buying the big house I lived in for a while. Had agreed to buy it in October 2007, hoped to be in by Christmas. The family selling it had not even been to see if they had the possiblity of upping their mortgage to purchase the house they wanted and did not hurry about doing so.

    I was frantically packing everything I could, hampered by the fact that DS1 had been back home for a spell and moved out without taking his furniture (comme d'habitude) and one of DS3's friends left home and moved in with us for a while (I make a habit of having guests who are in crisis). We were so short of space that I couldn't have a tree up for Christmas. I bought some holly plants (think stick with one leaf attached) and put a tiny bay tree on top of the tv.

    Meanwhile the people I was buying from did nothing - my mother was fuming every time she went past the house "she's not even packed away the ornaments on the window ledge". I joked that they were going to have a New Year's Eve party and then, the following morning, instruct all their guests to pick up whatever they were sitting/ sleeping on and take it to the new house.

    Went into the solicitor's on Christmas Eve to pay money across and hand over essential paperwork. The solicitor's was actually shut (everyone was sorting files) but they had not locked the door. Then - nothing. 4 weeks later - nothing. Told solicitor if I did not hear anything by my birthday I was pulling out. Ever seen a solicitor panic. Phoned me back later on to say I would have the keys by Friday.

    Never had to lodge with relations (had to farm the children out when I had a new dpc with floor dug out and I had to sleep on a camp bed for a few days) but have had the boys plus gfs and various friends staying with us for months - years.

    Calling gentle hugs. I still haven't got the sleeping pattern right. Had one night of very good sleep but the past 2 nights I have taken painkillers at 9pm (rationing them to no more than 2 x 2 a day, otherwise I would sleep blissfully around the clock) but they haven't seemed to 'take' and ended up having more (less strong) at 3am then finally falling asleep. luckily I can arrange my life around this but it's not ideal and not where I am trying to go.
    This year I will be fierce
    NST Apr #3 SFD 11/15 Food 82120 Travel 18.70/15 Ent 0/30 (+ 20 membership fee)
    No Debt No mortgage
    • apple muncher
    • By apple muncher 12th Feb 18, 7:40 PM
    • 7,165 Posts
    • 53,898 Thanks
    apple muncher
    Today I am grateful for time with mum, for time with big sis too, for a clear crisp sunny day, for a phone call from a friend, for my workout, for the winter olympics (saw some ski jumping - awesome but so scary!), for a lovely taxi driver to take mum to her appt.
    NST April #17; NSD 11/15 ; Ex 13/20 ; craft 5/30 (48); remove 381
    2018 Pay off: 1188; 2
    018 sell

    Mortgage 21,904 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Fmess
    • By Fmess 12th Feb 18, 9:33 PM
    • 2,685 Posts
    • 25,718 Thanks
    Fmess
    Hugs laurenh1, calling and dizzyblnd

    Half term is next week for me apple so excited! When are you off?

    SFD number 6 today
    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
    • Lauralozzle
    • By Lauralozzle 12th Feb 18, 10:12 PM
    • 560 Posts
    • 4,955 Thanks
    Lauralozzle
    Hugs Laurenh1

    Today has been spendy and long. I have clocked up 9 hours of work today, made worse because the traffic this morning was awful and it took and extra 45 minutes on top of what it usually takes. I then took my laptop home with me to update some bits and made dinner, but had to pop to the shops as I forgot Nandos sauce for dinner tonight (fakeaway Nandos).

    Made some space in the freezer as I used up the pitta breads I had shoved in there! Small wins!

    I wish sometimes it did not feel like I am waking up, going to work, making dinner and then going to bed as the day just feels wasted. Although, I am grateful I have a job, and I do not mind it at all. I just wish the weekends did not disappear so quickly!
    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
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