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  • FIRST POST
    • mothernerd
    • By mothernerd 29th Jan 18, 8:24 PM
    • 2,366Posts
    • 24,603Thanks
    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 9/19 Food £122.13/£120 Travel £11.70/£15 Ent £22.44/£30 (+ £20 membership fee)
    No Debt No mortgage
Page 14
    • apple muncher
    • By apple muncher 14th Feb 18, 7:06 PM
    • 7,277 Posts
    • 54,774 Thanks
    apple muncher
    Hope tomorrow goes smoothly Kerry Woman.

    Today I am grateful for a smooth trip home, for being home, for getting dd's camera back, for doing a workout, for a super warm train, for a simple but yummy tea, for the washing machine, for the interweb.
    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
    • greent
    • By greent 14th Feb 18, 7:51 PM
    • 7,008 Posts
    • 71,557 Thanks
    greent
    Day 14 in the greent house......
    Always pay to debts or savings first - car & 0% CCs on direct debit. 'Regular' spending CCs paid off in full at start of month. Plumber has now finished here, so I should be getting his bill by the end of the week. Kitchen people should be finishing tomorrow, so I will have the last of that to pay next week. That leaves the flooring, which I will need to pay next week, too. Once they are all paid I will start with extra payments to OH's 0% CC (I believe it 'runs out' in July, so would rather clear it before then than BT it)

    First of February until the 28th, inclusive.
    Organise your budgets before the start of the month and stick to them.
    * Food 279.59/450
    * Diesel (me) - 63.53/65
    * Toiletries - 1.44/10
    * Gifts - 13.50/ 25 -
    * Clothing - 63.44/100
    * Social - 0/50
    * Half term - 0/75
    * Money in - 33.40/50

    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 - it's very wet & windy!
    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 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. - Hmmm - about 99% certain I've broken a toe today (and badly bruised another) - strapped to one another and have some hefty painkillers for bed. walking hurts atm - hopefully will ease over next few days
    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. 7/18 - another 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 - 26/150
    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!

    Another wet and windy day here! Plumbing work throughout house all complete and some more kitchen stuff done today. Worktops are arriving tomorrow, which will make a huge difference!
    NSD - what with weather and workmen, we haven't been anywhere.

    Today's gratitudes:
    * workmen all leaving by 3.30pm - a bit of peace!
    * work nearly being complete
    * a warm house
    * a good kerbside recycling scheme provided by our Local authority
    * Galaxy golden eggs
    Last edited by greent; 14-02-2018 at 7:54 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
    • apple muncher
    • By apple muncher 14th Feb 18, 8:32 PM
    • 7,277 Posts
    • 54,774 Thanks
    apple muncher
    How on earth have you damaged your toes greent?
    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
    • abundant1972
    • By abundant1972 14th Feb 18, 8:38 PM
    • 1,227 Posts
    • 9,215 Thanks
    abundant1972
    Hey all...

    Was it cold today or what! Also grateful for warm clothes, hat and gloves. Sending love to all those that are without a home or warm clothes at this time of year.

    Today = NSD number 6

    Exercised today and cooked again. I'm quite enjoying experimenting and discovering new flavours... and some things I don't especially like (chipotle paste ). Glad of a few days off - going to gym, cook, and got the doctors tomorrow so they can tell me I can't eat all this nice food I am cooking haha!!!

    No Valentine's cards but someone put a little red velvet cupcake on my desk today which was very sweet. They are all women and know I'm gay - but know I'm single with got a lot on and no time/energy to date. It was very thoughtful

    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!
    • apple muncher
    • By apple muncher 14th Feb 18, 8:57 PM
    • 7,277 Posts
    • 54,774 Thanks
    apple muncher
    Sounds lke you have some good work colleagues abundant!
    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
    • laurenh1
    • By laurenh1 14th Feb 18, 10:09 PM
    • 469 Posts
    • 4,915 Thanks
    laurenh1
    abundant single & still getting Valentine's cake- sounds like you're onto a winner to me haha!
    greent hope your toes are ok, bless you. I too am waiting for reduced valentines flowers- ever the romantic ha.

    have just got back from YS shopping got a whole load of leeks and potatoes & onions which I have made soup from & stuck in the freezer for lunches next week. got a little bit of bread & some on the turn bananas (for banans muffins) ,some quorn pies- I have vegetarian friends that I can cook these for next time they come to tea.however I do now only have £12 in my budget & I have a trip to the cinema to pay for (2.50 ) only a week to go though now- woohoo!

    did my M&S shop! armed with vouchers. I have 3.82 left on my card as well as £7 in boots points that I can use for stuff too definitely need to get inventive

    greatful today for- the biscuits brought into work- I only had 1 (ive been good all day ) but it was yummy, my best friend - arranging cheap cinema trips with smuggled in crisps & for having enough
    • dizzyblnd
    • By dizzyblnd 14th Feb 18, 11:22 PM
    • 403 Posts
    • 3,653 Thanks
    dizzyblnd
    12 weeks from offer, we had the keys. The house was a probate sale so nobody to move out. Absolutely no reason for it to have even taken that long.

    Have a look at past sales(6 months) on the house-stalking websites - you will see houses that would have suited you, that somehow you never saw advertised - as the estate agents have a list of people they ring first before it even goes on their website but after they take the photos - They rang me at 7pm to tell me about the house, I had already seen photos and thought I would have loved that house but the sale fell through twice to investors. I saw it at 9am the next day, and we were the 4th set of people through the door (all investors). Sale agreed before 10.

    Make nice with the Estate agents, even if they are slimy - it is the month's task to deal with toads, and ALWAYS answer your phone to the estate agent. Tell them your situation and tell them it is urgent - they get annoyed at people mucking about and not in a position to buy, so line everything up, and go looking.

    And organise a few weekends away if you can so that relatives can have a bit of respite. It happens surprisingly often, I have had spare rooms full of friends' stuff while they were moving and ended up with a week where they were sofa surfing with all their stuff as they did not want to break the chain.

    And now you can be cheeky and make a slightly lower offer. No chain is valuable.

    Plus your bank balance looks AMAZING - enjoy every day of it.
    Originally posted by f0xh0les
    This is such amazing advice foxholes. Thank u so much. I really needed to hear this. U get into a mindset of thinking ur the only person in the world to b in this situation and everyone must think we're mad. I phoned a few estate agents today and will phone some more tomorrow. I just sat and looked thru the sold search and it's amazing how many I think I would have offered on. Just waiting for the right one to come up.
    NST2018 mortgage-free wannabe #145
    • sashanut
    • By sashanut 15th Feb 18, 12:04 AM
    • 2,787 Posts
    • 25,847 Thanks
    sashanut
    No 10 checking in
    Hi all

    Sorry I did not get on yesterday, have been under the weather for a couple of days but hopefully on the mend now. Does mean I don't have much to report though, as I haven't done very much!

    Always : Will try to make sure I can make/save some money this month instead of always spending up to the max..Spent yesterday, but an NSD today.


    First : Agree

    Organise : Lunch was cheese on toast for DH & I had a wrap. Supper was YS pork with veg & mash. Made American pancakes as couldn't yesterday, so were Valentines pancakes.


    Reserve : Already make a charity donation each month from joint acc. Will also set up a DD for an animal one. May have to rethink this one as DH now unconvinced we are helping the charity as this months letter refers to a boy - we sponsor a girl..


    Environment : Yet another rainy day but started off white with frost. YS tulips still going strong.

    Stock take : Still lunch & dinner all from stocks in fridges/freezer 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?? not done today either, spirit willing but flesh weak..

    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!! Cleared another very large surface & also under sink space, yuk.. Looks far better though & now its needs to stay clear, have warned DH. Surface was clear but used for cooking/pancake making, but at least it was there to be used for a change. Will make sure clear 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..gave sickly Valentine card to DH who thought it was OK, given he said what was on offer in the shops..he asked me if I wanted to go out for a meal, but I politely refused.

    Exercise 5 times a week please: Could well be gardening or clearing, cleaning etc but will aim to be active. Active most of day. Inactive most of day!


    NSDs are staying at 18 this month: NSD today so now 7/18

    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. Took a few books to CS but brought some back..


    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 used 'glutinous rice' mountain for rice pudding, seemed to work fine. That would be cost effective as have probably 2 large bags..Tried to fix curtain track as DH held ladder but too tricky & high up to manage without moving furniture...and taking down massive curtains. Will do.

    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, no bother, just have to remember to make tea an hour before bed. Food OK, though not losing any weight. Sleep better.

    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: Under sink space cleared out. other frogs on hold.

    Thanks mothernerd for running the challenge, it is very much appreciated even though I am not a model turtle pupil yet

    Hope all goes well tomorrow Kerrywoman..
    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 15th Feb 18, 1:05 AM
    • 2,366 Posts
    • 24,603 Thanks
    mothernerd
    Day 15 Inspiration
    Advice from a Sand Dune
    Soak up the sunshine
    Stay loose
    Keep moving
    Embrace the Winds of Change
    Make positive ripples
    Don't get carried away
    Show your true grit

    Advice from the Sun
    Keep it light
    Rise to the Occasion
    Look on the bright side
    Set your sights high
    Renew your energy
    Keep a sunny disposition
    Be brilliant

    Advice from a Redwood
    Stand tall and proud
    Sink your roots in the earth
    Be content with your natural beauty
    Go out on a limb
    Drink plenty of water
    Remember your roots
    Enjoy the view
    Last edited by mothernerd; 15-02-2018 at 1:08 AM.
    This year I will be fierce
    NST May #13 SFD 9/19 Food £122.13/£120 Travel £11.70/£15 Ent £22.44/£30 (+ £20 membership fee)
    No Debt No mortgage
    • greent
    • By greent 15th Feb 18, 8:04 AM
    • 7,008 Posts
    • 71,557 Thanks
    greent
    Hope today goes as well as it can, Kerry Woman x


    How on earth have you damaged your toes greent?
    Originally posted by apple muncher
    I tripped over the back door ledge in bare feet yesterday morning and caught 2 toes which I've broken before (25+ years ago) The pain was pretty bad (1 had healed slightly wonky anyway) and I thought there was the possibility of both breaking again. By tea time I was taking the bins down the (sloping) driveway and took a bad step and actually screamed out loud (causing some neighbours in the street to turn and look!). Having since examined the toes, the one is just bruised and only a tiny bit sore (as you'd expect from a bruise) The other is slightly twisted (was already the wonky one), very swollen and purple and incredibly painful to move or touch in any way. Fairly sure it's broken again, so followed NHS advice and padded it and strapped it and took painkillers. Walking up and downstairs like a toddler (1 step for both legs) and using heel of that foot only as toe too sore (is the one next to big toe) and not very flexible. I slept with socks on (and padding/ strapping under) to stop toes getting caught in bedding but it still woke me up several times. Bit of a bu**er, as I wanted to restart Zumba next week. Will see how it goes
    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 15th Feb 18, 8:30 AM
    • 1,406 Posts
    • 11,527 Thanks
    f0xh0les
    . I just sat and looked thru the sold search and it's amazing how many I think I would have offered on. Just waiting for the right one to come up.
    Originally posted by dizzyblnd
    Let them know if you are happy to do work on a house (honestly, some people are so fussy) if size and bedrooms and garden are more important than condition to you (honestly, some people really are so fussy) . A lot of people can't see past the decor, and don't go on the photos the EA takes. Some of them are dire, and some of them are not even of the right house, and some sellers don't do themselves any favours.

    I think at this point you go and see nearly everything. If nothing else you might see a board outside a house you did not see online - round by us, a lot of people offer their houses on the local community facebook page before paying out for a EA - so never come up on a R1ghtmove or Z00pla search .

    Ask everyone you come across if they know anyone selling in the area you want. Jungle drums work wonders - not sure if our forest has grapevines, but if it does use it. Imagine not having to pay our for EA finding fees.

    Good luck
    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 15th Feb 18, 8:35 AM
    • 1,406 Posts
    • 11,527 Thanks
    f0xh0les
    Sashanut - Stop thinking of it as a stocktake and start thinking about it as a list of stuff you won't need to put on your shopping list this week/month. it might help and you might find something amazing at the back of a cupboard. I love it when my cupboards give me presents.

    greent go up the stairs backwards, you don't need bendy toes for that and it stops you squealing. I think my little toe spends more time broken than not - I am spacially challenged near door frames - I think I would do better with whiskers (on my feet?? or is that a Hobbit?)

    Right, need to get on with the day, as DH has spent the last week telling me his parents are coming on Friday, when they are in fact here today. Eeek.

    Excercise will be frantic cleaning and clearing and tidying before thinking s0d it and having a hot chocolate on the sofa . They were not invited, DH is working today, tomorrow,Mon and Tuesday. The kids go back to school on Monday. So they must really be here to see me. I should be flattered, so I will take all the advice from the sun

    Keep it light
    Rise to the Occasion
    Look on the bright side
    Set your sights high
    Renew your energy
    Keep a sunny disposition
    Be brilliant


    and be up and out early, and retire gracefully after the evening meal
    Last edited by f0xh0les; 15-02-2018 at 8:49 AM. Reason: Lemon chiffon is a rubbish colour
    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
    • dolly84
    • By dolly84 15th Feb 18, 8:47 AM
    • 3,837 Posts
    • 35,607 Thanks
    dolly84
    foxholes - if an estate agent finds a property you like do you actually have to pay them as well as the seller paying their fee? I am staggered if this is so. The last time I bought a house was 2002 and that wasn't the case here then.

    greent - ow, ow, ow, poor you, hope it heals soon.

    KerryWoman - hope today goes off without a hitch.

    Had a grocery delivery last night, got 2 packs of oranges but I only ordered 1 and paid for 1 but kept both, also the bread they sent had yesterdays BB date on so the driver refunded it but I kept it.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • laurenh1
    • By laurenh1 15th Feb 18, 10:03 AM
    • 469 Posts
    • 4,915 Thanks
    laurenh1
    Hi All -

    Today is NSD ~12 - hoping I can make 14 by Sunday (Spend day Sat) would love to make 20 in total, budgets still the same.

    Nothing really planned for today, other than lots and lots of tea and coffee as I am sooo tired. My one year old did a lot of chattering last night and I cannot sleep through it for the life of me.

    Going to spend the weekend making & freezing tomato sauce & making bananas muffins for snacks with reduced stuff. looking forward to a chilled weekend at home Love a bit of baking. Might also go to pizza express with our Tesco Vouchers

    Hope you all have a lovely day
    • apple muncher
    • By apple muncher 15th Feb 18, 1:47 PM
    • 7,277 Posts
    • 54,774 Thanks
    apple muncher
    Greent - ouchie!!!! Shame about the zumba - you seem doomed not to return to it! (but you can still do quite a lot of weight training exercises. Speaking from personal experience here!)
    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
    • greent
    • By greent 15th Feb 18, 4:48 PM
    • 7,008 Posts
    • 71,557 Thanks
    greent
    Greent - ouchie!!!! Shame about the zumba - you seem doomed not to return to it! (but you can still do quite a lot of weight training exercises. Speaking from personal experience here!)
    Originally posted by apple muncher
    Yep - thought I'd get the kettlebells out (small ones ) and give it a whirl
    xx
    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 15th Feb 18, 5:37 PM
    • 2,310 Posts
    • 22,386 Thanks
    Kerry Woman
    Thanks for the kind comments. Today went as well as expected.
    NSD achieved - 11/18
    Grateful for:
    Spending time with family.
    Having a meal with the family.
    Not having to cook tonight.
    Having a chilled out evening.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST May 2018: May the odds be ever in your favour! NSD 16/19
    • apple muncher
    • By apple muncher 15th Feb 18, 6:23 PM
    • 7,277 Posts
    • 54,774 Thanks
    apple muncher
    Yep - thought I'd get the kettlebells out (small ones ) and give it a whirl
    xx
    Originally posted by greent
    Yikes! Hold on to it very tight!
    Do check out Zuzka Light's Bunny Slope workouts on utube - they are non impact ones and can be adapted to poorly toes. Some are tougher than others...

    Kerry Woman - good to hear from you. Hugs. Take care of yourself.

    Today I am grateful for getting us all up and out on time, for dd's eye presc not changing, for finding the perfect bundle of wool that I've been looking for for weeks, for dd finding a LPS boxed thingy in the charity shop that turned out to have never been used, for discovering the cyclamen hiding in the garden, for birdsong, for making a yummy mash from swede, sweet potato, carrot + broccoli.
    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
    • Fmess
    • By Fmess 15th Feb 18, 10:08 PM
    • 2,702 Posts
    • 25,899 Thanks
    Fmess
    Sorry for my absence. I have been reading but been preoccupied. Not sure if I said but I have an achey leg and have a pre-existing circulation issue. Last Friday, I called 111 and they sent me straight to a walk in clinic and we!!!8217;re worried about DVT. They decided to send me home but we!!!8217;re debating A&E, but decided my risk was low. The last two days the pain has intensified and sharpened so I went to the doctors today and they!!!8217;re guessing it!!!8217;s celluitis. Got antibiotics and hoping it!!!8217;ll clear up (next step is X-ray and ultrasound if not). So it!!!8217;s all just been an odd week.

    Not sure on SFDs as I!!!8217;ve been buying chocolate as I crawl to half term!
    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 15th Feb 18, 11:32 PM
    • 2,787 Posts
    • 25,847 Thanks
    sashanut
    No 10 checking in
    Hi all

    Haven't done an awful lot today either although been busy all day. Mainly washing & cooking, the washing because it was a really blowy day, so could get some stuff on the line, then finish off on the creel inside. Cooking as I made soup for lunch, then made today's supper & tomorrow's - thinking ahead as will be picking DD up from the airport & will have a slow journey back due to the time she lands & the heavy traffic, so need something ready to heat up. Will make a crumble tomorrow morning as well.

    Always : Will try to make sure I can make/save some money this month instead of always spending up to the max..Another NSD today.


    First : Agree

    Organise : Lunch was cheese on toast with tasty soup for both of us. Plenty left. Supper was sausages, beans & LO potato & veg cakes.

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

    Environment : Lovely blowy day which is drying up the mudbath outside, very grateful. Long may it continue.


    Stock take : Still lunch & dinner all from stocks in fridges/freezer 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?? not done today either, spirit willing but flesh weak..f0xh0les thanks for the alternative way of looking at it, I do agree. Am finding lots of stuff I had forgotten we had - and of course bought more..

    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. Out tomorrow so will eat before we go and after we come back! Have prepped food so no temptation to get a takeaway


    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!! Cleared another very large surface & also under sink space, yuk.. Looks far better though & now its needs to stay clear, have warned DH. Cleared large surface again & will need ladder to return lots of flasks (?) to very large up cupboards..

    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..gave sickly Valentine card to DH who thought it was OK, given he said what was on offer in the shops..he asked me if I wanted to go out for a meal, but I politely refused. Will re-use Valentine card next year, must make a note of where stashed..

    Exercise 5 times a week please: Could well be gardening or clearing, cleaning etc but will aim to be active. Active most of day.


    NSDs are staying at 18 this month: NSD today so now 8/18

    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. Message from DD that she wants to sell stuff when she gets back, yes indeed we can both do that!

    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 used 'glutinous rice' mountain for rice pudding, seemed to work fine. That would be cost effective as have probably 2 large bags..Tried to fix curtain track as DH held ladder but too tricky & high up to manage without moving furniture...and taking down massive curtains. Will do.

    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, no bother, just have to remember to make tea an hour before bed. Hmm did all right until opened a can of peanuts. Really shouldn't.

    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: Under sink space cleared out. other frogs on hold.

    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
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