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  • FIRST POST
    • misstara
    • By misstara 28th Mar 18, 10:20 PM
    • 2,683Posts
    • 18,932Thanks
    misstara
    NST April 2018: April Fool's Challenge
    • #1
    • 28th Mar 18, 10:20 PM
    NST April 2018: April Fool's Challenge 28th Mar 18 at 10:20 PM
    Welcome to NST April 2018, the April Fool's challenge.

    Aim for at least 15 NSDs. Usual exceptions apply, you won't lose a NSD for ys items, petrol or medical expenses.
    Pay to your debt or savings first and live off the rest.
    Report in every day. The daily support from this thread will keep you on track
    Interests - is there any hobbies that you'd like to take up or perhaps an old hobby that you'd like to start again. This is the month to do it, let us know what you plan to do
    Love yourself, do something to make yourself feel fab - wear a bright scarf, get your eyebrows done, have a bath, put on your fave perfume.

    Find time to get outside. Lighter nights are now here so get out in the garden, go for a walk. Fresh air is good for everyone
    Overpay - aim to pay 20% extra to your debt or savings. It's up to you how you do this - overtime at work, saving money on the food bill, selling items.
    Organise your month. Check your cupboards, make a meal plan and stick to your food budget. Plan any social events and budget for them, ideally come up with free alternatives.
    Lose one bad habit. Mine's is a food related one but it can be anything you like.
    Sign off your daily post with a list of gratitudes.

    So that's the challenge, who's up for it?
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £899.31 (60.9% paid)
    Car debt Nov 2017 £797.68 Now £574.35 (28% paid) + monthly payments £146.82 5/60
    Emergency fund - £40/£1000. Car fund - £77.09/£1000.
    Mini Targets in April
    Exercise target - 9/16. Groceries target £177.97/£200. NSD target 14/15.
Page 12
    • Toni'sfriend
    • By Toni'sfriend 8th Apr 18, 11:25 AM
    • 1,245 Posts
    • 12,030 Thanks
    Toni'sfriend
    I will have to apologize in advance. I don't think I'm going to be able to post whilst away. I can log on on my laptop but not my IPad or Iphone. I've changed my password but they are still refusing to recognise it. If anyone has any suggestions on how to fix this I'd be grateful.
    • f0xh0les
    • By f0xh0les 8th Apr 18, 3:48 PM
    • 1,362 Posts
    • 11,133 Thanks
    f0xh0les
    A -still on 4
    P-done
    R
    I - bargains found
    L - bought some cheap seeds to plant

    F It is raining. yucky.
    O keeping to budgets will see at the end of the month how much I can o/p
    O All kids activities planned and DHs trip away. Still nothing for me.
    L I have realised I eat rubbish while I am problem solving. Full fruitbowl now so no excuses.
    Sign off your daily post with a list of gratitudes
    The rain will make the flowers grow and the grass greener
    Antihistamines.
    Deciding to insure the tumble dryer after the 12 month warranty ran out 4 months ago. It has died again. Free fixing! (well, £16 so far, but still a bargain)
    YS bargains
    Tea


    Back to 6am starts and lunchbox packing tomorrow. 7 week half term, nearly on the downward slope to the long summer holidays............................
    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
    • LavenderBee
    • By LavenderBee 8th Apr 18, 5:35 PM
    • 238 Posts
    • 1,057 Thanks
    LavenderBee
    NSD 6/18

    A forgotten gratitude from last week; the weekly email blast pointed out a free pizza offer at pizza express which we used on one of my spend days. They messed up my order and to apologise to the hangry looking pregnant woman I got a free pud too V. cheap 3 course meal!

    Today's gratitudes:
    I am nearing the end of baby stuff being delivered. Last few bits arriving between Tuesday and Saturday. We've not bought anything excessive yet the whole thing has still felt like a marathon.

    A warm bath after I did too much house work. I'm going to pay for it tomorrow... but certain rooms are now sparkly, smell like stardrops and are organised and tidy

    Finding our wedding photos, an empty scrapbook and some glue. Spent half an hour putting together a photo album but ran out of glue 6 pictures from the end
    • Kerry Woman
    • By Kerry Woman 8th Apr 18, 6:05 PM
    • 2,278 Posts
    • 22,063 Thanks
    Kerry Woman
    A - 4/15 Was a spend day. Managed to get a 20% discount. Brought toothpaste which has natural and organic ingredients. If you buy 3 you save £1 so got 12 which will last me a while. So overall I saved £13.40.
    P - Done.
    R - Done.
    I - Read my book, wordsearch and mindfulness colouring
    L - Had a relaxing bath as some of my muscles were sore along with my right shoulder from taking off the wallpaper.
    F - No exercise today.
    O - Done.
    O - Still ongoing.
    L - Did not spend as much time on social media.
    S - Grateful for:
    Having a chat with my brother and sister on the phone.
    Get rest and some sleep today.
    Achieving a few things today.
    Caught up watching 2 films I recorded.
    Having a chilled out day and evening.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST April 2018: April Fool's Challenge NSD 17/15
    • apple muncher
    • By apple muncher 8th Apr 18, 7:31 PM
    • 7,177 Posts
    • 53,992 Thanks
    apple muncher
    That's a lot of toothpaste Kerry Woman!

    Today I am grateful for my umbrella, for buses, for a good clean and tidy of the top of my drawers, for dd sorting out some of her stuff too, for easy tv in the background (Tony Robinson walking coast to coast), forsorting out some money matters.
    NST April #17; NSD 16/15 ; Ex 17/20 ; craft 16/30 (48); remove 389
    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
    • BadBookkeeper
    • By BadBookkeeper 8th Apr 18, 8:00 PM
    • 123 Posts
    • 872 Thanks
    BadBookkeeper
    #13 Checking in....

    Aim for at least 15 NSDs - still 4/15. Bought some cards I need for week and some toiletries as a lit cheaper in the shop I was in than supermarket.

    Pay to your debt - WIP

    Report in every day. - Done

    Interests - Unpacked the awning that came with the campervan to practice putting it up. Really pleased with it. Can't wait to use it.

    Love yourself - Nothing here yet so might go and file & paint my nails.

    Find time to get outside - Spent all afternoon outside.

    Overpay - Will revisit later in the month

    Organise your month - Feeling quite organised with time, abit with money but not with food so will look at this

    Lose one bad habit - Hardly any time spent on fb today

    Sign off your daily post with a list of gratitudes.
    A dry sunnyish day
    Awning being better than thought
    Light nights
    • greent
    • By greent 8th Apr 18, 8:15 PM
    • 6,919 Posts
    • 70,787 Thanks
    greent
    Day 8
    Aim for at least 15 NSDs. Usual exceptions apply, - 3/15 -
    Pay to your debt or savings first and live off the rest. - ok (done)
    Report in every day. ok
    Interests -- am going to ease myself back into fitness this month and read more -running total -2 walks, 2 books
    Love yourself - using up face creams etc (micellar water, serums) on a daily basis - hoping my skin will benefit -

    Find time to get outside. -
    Overpay - aim to pay 20% extra to your debt or savings. - 6 items listed on flebay to help with this. Put an extra £250 to the savings acct for final pymt on OH's car - 2 things on fleabay have bids (should net £40)
    Organise your month. - DS1's 18th birthday mid month - that's gonna cost......
    Lose one bad habit. - a certain game which I've spent waaay too much time on in March.... - not touched it today (this has gone very well)
    Sign off your daily post with a list of gratitudes. - yes
    Today I am grateful for:
    * bargainous YS veg for g-pigs
    * yummy roast dinner with YS pork
    * family game after dinner
    * dry weather late this afternoon - line dried some bedding
    * Finally getting a Z1ffit parcel posted after a week or so!

    Budgets:
    Food 128.02/450 (a little ahead of myself, but fridge, cupboards & freezer are groaning)
    Travel £75
    Gifts 6.75/£150
    Toiletries 6/£10
    Cleaning 10.70/ £10 (stocked up on dwasher tabs)
    Social £150
    Clothing 114.60/ £75 (OH 2 x boots, 1 x coat)
    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) £577.06/£4000
    Net sales 2018 £362.51/£1000 PAYDOX18 (#15) £12808.40/£18694.38
    • lcc86
    • By lcc86 8th Apr 18, 8:40 PM
    • 974 Posts
    • 2,991 Thanks
    lcc86
    Another NSD here so still on 2 spend days so far for the month. Today I decided to do not studying and to just relax and watch TV all morning as I have a tutorial tomorrow evening online, so that was my self care for the day. Also went horse riding, timed it well as I seemed to get the perfect gap in the rain! Nothing worse than smelling of wet horse lol.

    Tomorrow am on training in London, I have to buy a train ticket, but I always put work expenses on my credit card and then claim them back so I don't count them as a spend (very cheeky I know!). I can also claim the cost of lunch.

    Today I'm grateful for not getting kicked by a grumpy horse , for having a lovely ride in the dry, for getting loads of niggling little jobs done that I'd been putting off for ages and for the rabbits keeping their space tidy for a change.
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    £1117/£1000 EF £538 saved for household jobs
    Debt free and in the black for the first time in 11 years
    • misstara
    • By misstara 8th Apr 18, 8:47 PM
    • 2,683 Posts
    • 18,932 Thanks
    misstara
    NSDs - still on 4 as spent £30.40 in the supermarket today
    Report - 8/30
    Interests - nothing done today
    Love - put on perfume to go to work but that's about it for today
    Outside - beautiful day here and I planned to go for a walk after work but was too tired
    Overpay - £5 paid to the debt
    Organise - did some batch cooking to make during the week easier
    Bad habit - no crisps eaten
    Gratitudes - seeing some sun, hm sausage rolls for tea, OH doing the washing up
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £899.31 (60.9% paid)
    Car debt Nov 2017 £797.68 Now £574.35 (28% paid) + monthly payments £146.82 5/60
    Emergency fund - £40/£1000. Car fund - £77.09/£1000.
    Mini Targets in April
    Exercise target - 9/16. Groceries target £177.97/£200. NSD target 14/15.
    • FrankieM
    • By FrankieM 8th Apr 18, 9:05 PM
    • 1,929 Posts
    • 17,611 Thanks
    FrankieM
    Evening

    Exhausted after a long day of work. But I have 7 NSD, I still haven't walked and I'm going to love myself by crawling into bed with a book.
    I'm grateful for
    A lovely shower
    My cozy pj's
    My cozy bed

    Do you see the theme....
    Pay off Debt by Christmas 2018 #59
    £13,406.26/ £10,197.49
    Frugal Living Challenge 2018
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 8th Apr 18, 9:54 PM
    • 702 Posts
    • 3,905 Thanks
    swimminginaseaofdebt
    Evening everyone

    Did a big online shop today but the price won't be confirmed until tomorrow so will update my budget then.

    Walked down to my mum and dads this afternoon for a wee visit, was going past the supermarket so dashed in and donated a packet of sanitary towels and a bottle of men's shower gel to the food bank collection.

    Bought the little one a toy Hoover (paid for this from a small savings account I have) which he loved. It cost £18 but I haven't bought him any toys since his 1st birthday last June so thought I'd splash out He was playing with it at my parents house and my dad said to him 'that's a women's job' so mum promptly gave him an earful.

    Managed to get two loads of washing done today, only regret is I didn't hang them outside as they would have probably dried by now. Still can't see the bottom of my washing basket, think that might be a mini challenge to set myself by the end of the month.

    Completed a survey on Yougov and am only 50 points a way from requesting a payout. Hope I can claim this by the end of the month, it's taken me 3 years to get to this point!

    Have had a read of my book but no studying done as I just can't find the motivation. I'm awaiting a result from my last assignment I handed in, hopefully that'll arrive soon as I'm convinced I totally flunked it.

    Today I am grateful for the mild weather and a home cooked meal.
    Pay all debt off by Christmas 2018 #150 - £895.62/£2018
    SPC11 #564
    • Puddleglum
    • By Puddleglum 8th Apr 18, 10:01 PM
    • 521 Posts
    • 4,240 Thanks
    Puddleglum
    Aim for at least 15 NSDs. Still 3/15 but I've had a great weekend with friends and I'm going to visit another friend for lunch tomorrow.


    Pay to your debt or savings first Keeping up with the penny a day challenge.

    Report in every day. hello! Oops.


    Interests - Have started an online course.

    Love yourself Getting better at remembering the face cream. Perfume every day.

    Find time to get outside. Been out and about both days over the weekend

    Overpay Wip.

    Organise your month done

    Lose one bad habit. Getting better about doing things and not putting them off. The kitchen hob has been cleaned.

    Sign off your daily post with a list of gratitudes.
    Grateful for good friends and plenty of places to go. I have everything I need.
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    Pay off debts and save 2018. Time to turn my life around (candle moment).
    • mothernerd
    • By mothernerd 8th Apr 18, 11:34 PM
    • 2,345 Posts
    • 24,388 Thanks
    mothernerd
    Just home and caught up with the last few days. Claimimng 2 NSDs as I spent today (on sweets in an old fashioned sweets shop which also had some American sweets - but not DS3 and Beloved's favourites unfortunately. Lovely holiday,, friendly hotel, excellent company and enough adventures for a bagful of hobbits.

    At our first stop after getting on the coach (coach waits at a service station and all the people are picked up from home by taxi and taken to meet the coach), mum caught her foot on something as we were getting up from our seats (was only the armrest which was down as far as it could go but mum's skin is so thin). I took her into the toilets to assess the injury- blood was running out of a triangle shaped cut just above her ankle. I said we needed a first aider. A woman gave me a handful of toilet paper to wad against the wound and went for the on site first aiders.

    We stopped the bleeding, they dressed the wound, I signed all the paperwork and then we went for soup and hot chocolate - we had taken picnic provisions but a nice sit down with soup and chocolate seemed appropriate. One of the first aiders brought me a spare dressing and bandage and I told the driver who asked if she needed to see someone when we got to the hotel. She declined.

    Despite taking our time, all the bedrooms were not ready when we arrived (some guests were still checking out). Our group settled in the lounge and the bar and some went out for a bracing walk. When it was quieter, I went to the desk and asked for help. Because mum's ankle was swollen water had been seeping from the wound, her trouser bottoms and her shoe were sodden. I asked for old towels to put under it and I used a magazine to protect the carpet. The receptionist found towels and more dressings and asked about A & E (in Blackpool).

    Our room was one of the last 3 to be ready. We went up in the lift and into the room. Mum went to the loo and then I noticed strange bags on a chair. Told mum to wait there but a young hotel worker met me as I got to the door with a different key. We hobbled back to the lift, went one floor up, opened that door, more strange bags.

    The young assistant took us round a corner where there were some steps and told us to sit down whilst she ran back down to reception (she had already scooped up some extra towels for us). When she came abck she had the key for a nearby room (not our intended room, I think we got an upgrade, she must have told them we could not hobble round any more) and I settled mum on her bed. Our bags arrived shortly after. We had a rest and a nap before dinner.

    I said it was okay if mum wanted to stay close to the hotel rather than go on the following day's trip but after a good night's sleep (we were both asleep shortly after 10pm) and a change of dressing she felt able to go. We were dropped off at Albert Dock. I was interested in the Beatles experience but hteir lift was broken and when I made enquiries they said they would be worried in case mum could not get out if there was a fire (I ahd to walk down the steps one at a time holding onto the rail).

    I took mum to get a meal, intending that I would go back when she was settled and return before she finished eating but we chose somewhere offering fish and chips and we both had that (absolutely gorgeous and huge fish) and another hot chocolate (I think I have used next winter's ration of hot chocolate). We sat there sated and very relaxed.

    After a while we continued, spent some time in the Museum of slavery (historic and modern day slavery were covered) and lots of examples of traditional african culture including house building and decorating, fabrics, carvings, jewellery and metal work. We did the full circuit of the dock and looked at all the boats before going to the coach pick up point. I refused several offers from mum, to buy me something (Beatles mug, warm shawl)

    Mum fancied an ice cream, we had one each sitting on a bench facing another part of the dock, watching boys in wetsuits standing on raft type things, paddling. A monster seagull landed on the edge nearest the water (about 6 feet away). Next thing he swooped and stole mum's ice cream (she tried to hold on and lost). Four other birds mobbed him so he swallowed it whole, we could see the lump in his throat.

    Another member of our group joined us, I gave her my spare shopping bag as the bench was still wet from earlier rain. We were also entertained by a one man band and by a man serenading passers by from his boat (we missed the story telling session).

    Back to the hotel for a rest, a beautiful meal, more rest (we gave up on X-men) we went to sleep. Mum fell? slid out of bed at quarter past midnight. The thump woke me up. her bed was very soft and had a bit of a slant. She had moved near to the edge and slid off. Took a while to get her up.

    She was content to sleep in the armchair when I got her that far (she had given the knee of her uninjured leg a whack and it swelled rapidly) but I said if I could not get her onto the bed, I was going downstairs to find someone to help me. I insisted she had the big bed and I put pillows and cushions on either side + a cold flannel on the knee (with plastic bags to stop it wetting the bed clothes).

    Later on I thought she was moving nearer to the edge, so I folded my duvet and put it on the floor next to her bed, just in case (room was very hot, I made it bearable by opening 2 windows as wide as they would go and haven't slept under the covers all weekend.

    This morning we took a taxi into St Annes town centre to but more water for me and more dressings and supplies for mum (who is still not keen on going even to see our own doctor and certainly not to A & E/ walk in centre). Unfortunately the pharmacist had not turned up at Boots and they are leagally unable to open unless a pharmacist was present (who's going to study law - this is an important/ famous you will have to learn). I bought some things (antiseptic cream, the right sort of dressings to stick over the wound and a cold sprsy for pain relief on the knee (and shoulder and wrist this evening) but no bandages (+ need more support bandages so that's on the new shopping list).

    So lots of fun and excitement and we may book for the 4/5 days in LLandudno in a couple of weeks. Mum gave me £100 at the start of the weekend and I gave her what was left this evening, the only thing I paid for was the sweets.

    I am supposed to be having a day off tomorrow, have told mum not to do too much and if she feels like staying in bed, do so (get lots of rest either way). If I wake up at a reasonable time I will go to pick up my prescription, ask to speak to one of the doctors or the practice nurse, explain what she has done and if there is anything I should watch out for or if I need to drag her there, kicking and screaming (if she can kick she's getting better, right).

    Today I am grateful for surviving the weekend, that we could deal with any injuries, for all the lovely places we have seen, all the flowers and animals (a few babies on the way back), for all the people who have helped us and the people we have eaten with and shared lifts and chats with.
    This year I will be fierce
    NST Apr #3 SFD 12/15 Food £82£120 Travel £18.70/£15 Ent £0/£30 (+ £20 membership fee)
    No Debt No mortgage
    • sashanut
    • By sashanut 8th Apr 18, 11:48 PM
    • 2,765 Posts
    • 25,635 Thanks
    sashanut
    No 2 checking in
    Hi all

    Aim for at least 15 NSDs. Usual exceptions apply, you won't lose a NSD for ys items, petrol or medical expenses. Shopped today so still 4/15 NSDs


    Pay to your debt or savings first and live off the rest. Added up March's expenses - horrifying is the word. Still need to split up cc spends to see what went where. Now have cc statement ready to total. Will need to use savings to pay for hols..in 10 days time! Nothing financial today.


    Report in every day. The daily support from this thread will keep you on track Here again..8/30


    Interests - is there any hobbies that you'd like to take up or perhaps an old hobby that you'd like to start again. This is the month to do it, let us know what you plan to do Have 2 so far - collecting hobby I have & someone got in touch to buy something connected to it - 4 years ago!! She got back in touch 2 weeks ago, have emailed her today & will attempt to find the item she wants...it's win-win as it will be money for savings too. Also, have Fairisle cushion to finish, usually do mindless knitting in front of TV, this doesn't come under that so never gets done. Finally retrieved fairisle cushion from back of chair where it was stuffed; realise to my shame haven't touched it in 18 months..despite that managed to find my place in the pattern & actually do a couple of rows. Bless highlighter tape!! Finally managed to identify all the different colours of the wool - hard when they are called irrelevant names & are missing the ball bands - only to realise I am missing a colour. Shan't need it until almost the end, might just use what I have left over. Still not looked for item, must do tomorrow.

    Love yourself, do something to make yourself feel fab - wear a bright scarf, get your eyebrows done, have a bath, put on your fave perfume. Facepack last night whilst ironing, makeup & perfume for visit to s/market.

    Find time to get outside. Lighter nights are now here so get out in the garden, go for a walk. Fresh air is good for everyone. Out into garden this afternoon as stayed mercifully dry. Dh did help barrow one load of compost, but got to face it he's just not practical at all. On border no 3 now...must keep going whilst trying to get house in a slight semblance of order.

    Overpay - aim to pay 20% extra to your debt or savings. It's up to you how you do this - overtime at work, saving money on the food bill, selling items. Will deffo try, will be in the form of selling collectibles or ebaying. Still need to look for items for collector.

    Organise your month. Check your cupboards, make a meal plan and stick to your food budget. Plan any social events and budget for them, ideally come up with free alternatives. Will do, need to reduce freezer stocks. Will meal plan for days we are here, then stock up for when DD here alone.

    [/COLOR]Lose one bad habit. Mine's is a food related one but it can be anything you like. No snacking between meals. A few small Easter eggs eaten with DD - thankfully now all gone - and a piece of a large egg later on..

    Sign off your daily post with a list of gratitudes. Grateful for: Line of washing mainly dry, nice supper mainly cooked by DD, progress outside, a small amount inside also..
    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
    • DancingDragons
    • By DancingDragons 9th Apr 18, 6:45 AM
    • 113 Posts
    • 1,293 Thanks
    DancingDragons
    Toni'sFriend - Machines store passwords (if you have that setting, its often default) and some have a cross-reference security. They may still be holding your old info in its memory. As well as the turn of/on again, clear the browser history. See if that helps.

    Mothernerd "and enough adventures for a bagful of hobbits." Not sure your break was a break, it sounds as though it was stressful!

    KerryWoman
    You're sure to have shiny teeth for months

    Today should be an NSD, like yesterday, we have several trips into the city to make and I haven't budgeted for fuel/train so I'll lose that. (Though this was all happening NEXT week)

    Back to school for one of us today, but lots of running about for me. Gratitudes for the day:
    Youth groups and sessions that multi-task, fun and horizon expanding.
    A decent night's sleep.
    Routines.
    2018 Foolish April Ninja #33 | NSD 8/16 |
    I can do this! Debt: 11,989.29 11,189.29 goal DFD June 2020
    -34lb to 2019. Lost 7lb, <-stalled
    • greent
    • By greent 9th Apr 18, 4:11 PM
    • 6,919 Posts
    • 70,787 Thanks
    greent
    Day 9
    Early check in for today - don't think anything should change

    Aim for at least 15 NSDs. Usual exceptions apply, - 4/15 - will have one today - too wet to go anywhere and dinner all from stores
    Pay to your debt or savings first and live off the rest. - ok (done)
    Report in every day. ok
    Interests -- am going to ease myself back into fitness this month and read more -running total -2 walks, 3 books
    Love yourself - using up face creams etc (micellar water, serums) on a daily basis - hoping my skin will benefit -

    Find time to get outside. - - wet, wet, wet
    Overpay - aim to pay 20% extra to your debt or savings. - 6 items listed on flebay to help with this. Put an extra £250 to the savings acct for final pymt on OH's car - 2 things on fleabay have bids (should net £40)
    Organise your month. - DS1's 18th birthday mid month - that's gonna cost......
    Lose one bad habit. - a certain game which I've spent waaay too much time on in March.... - not touched it today (this has gone very well)
    Sign off your daily post with a list of gratitudes. - yes
    Today I am grateful for:
    * DS3 carrying on sorting out in his room - and getting rid of heaps of stuff
    * leftovers being used up on lunches
    * dinners all from stores (various items for the 7 of us here to make sure some things are used up)
    * a lie in - OH got up with DS3, as he was wfh

    Budgets:
    Food 128.02/450 (a little ahead of myself, but fridge, cupboards & freezer are groaning)
    Travel £75
    Gifts 6.75/£150
    Toiletries 6/£10
    Cleaning 10.70/ £10 (stocked up on dwasher tabs)
    Social £150
    Clothing 114.60/ £75 (OH 2 x boots, 1 x coat)
    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) £577.06/£4000
    Net sales 2018 £362.51/£1000 PAYDOX18 (#15) £12808.40/£18694.38
    • CosmicZebra
    • By CosmicZebra 9th Apr 18, 5:29 PM
    • 29 Posts
    • 309 Thanks
    CosmicZebra
    Hello everyone
    On NSD 5/15.
    Finances- had a suspicious transaction on my current account- two mysterious DDs appeared and money taken...but the bank sorted it ASAP.
    Outside- to the veg shop with the dog
    Organise- at the beginning of the month I update our calendar so keeping on top of that
    Love yourself- I've always been an enthusiastic member of the 'wine o'clock club'. This is not doing my waistline or my wallet any good. It doesn't help me to unwind anymore as the niggling voice of guilt pipes up every time I have a sip. So, going alcohol-free till the end of the month. Today is A-F day 1/22.
    Gratitudes- helpful bank staff!
    Savings from frugal & simple living:
    Jan ISA& Save Acc £1600 Mort o/paid £250
    Feb ISA&save acc £1330.89 Mort o/paid£500
    March ISA&save ac£811.35 mort o/paid £250
    • apple muncher
    • By apple muncher 9th Apr 18, 5:54 PM
    • 7,177 Posts
    • 53,992 Thanks
    apple muncher
    Mothernerd - sounds like you had an adventure and a half. Hope your mum is ok. And you too. Shame you couldn't get to the beatles stuff.


    Today I am grateful for a catchup with a friend whilst the kiddies played, for said friend both picking us up and dropping us back home and feeding us and giving us a huge bags of clothes for dd to go through, for the washing machine, for bacon, for more sorting resulting in 40 items of dd's clothing to go to the ch shop, for getting my KB workout done before my brain could object.
    NST April #17; NSD 16/15 ; Ex 17/20 ; craft 16/30 (48); remove 389
    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
    • LavenderBee
    • By LavenderBee 9th Apr 18, 7:32 PM
    • 238 Posts
    • 1,057 Thanks
    LavenderBee
    Following the format since I'm on laptop this evening!

    Aim for at least 15 NSDs. Usual exceptions apply: Still on 6/18. I make no exceptions and today filled the car up, and had to pay for hospital parking (£2 for a 15 minute appointment!)
    Pay to your debt or savings first and live off the rest: Done
    Report in every day: Not so great at this
    Interests: Knitting still in the basket. Not done any pilates for a few days due to heartburn and sickness. Now my pelvis is unhappy again. Need to find a way round this.
    Love yourself: I may have a bath later. Letting myself recover from mad housework weekend. Used crutches to get to all appointments today as I didn't trust my back to stay vertical!

    Find time to get outside: Had two long walks from the car to the GP surgery and hospital, which were difficult
    Overpay - aim to pay 20% extra to your debt or savings: Done - I've also managed to backtrack over my overpaying the credit card and get the money back in my savings
    Organise your month: Almost done, I have a physio appointment to make and one card to buy. Other cards written, addressed, stamped and ready to go in the post later in the month. All midwife appointments made between now and the bitter end and entered onto the calendar.
    Lose one bad habit: I said I wouldn't scoff chocolate whilst hubby is away for the month. I have had some, but not loads. The trick will be whether I can get to the end of the month without buying any!
    Sign off your daily post with a list of gratitudes: The NHS have been overly thorough with my antenatal care. Being able to work from home. For making myself hang laundry to dry rather than tumble dry.
    • Puddleglum
    • By Puddleglum 9th Apr 18, 8:27 PM
    • 521 Posts
    • 4,240 Thanks
    Puddleglum
    Aim for at least 15 NSDs. Still 3/15. Had lunch with friend which makes it a valuable spendy day. Tomorrow will be a NSD.


    Pay to your debt or savings first Keeping up with the penny a day challenge and another 20p to add to the collection. I've got £5.20 now.

    Report in every day. Me again!


    Interests - Knitting, online course and reading. Just one more week of holiday left :-(

    Love yourself Getting better at remembering the face cream. Perfume every day. Will try for make up tomorrow.

    Find time to get outside. Not so much walking today. A bit chilly.

    Overpay Wip.

    Organise your month done - lots to get done.

    Lose one bad habit. Getting better about doing things and not putting them off. Ironing tomorrow...

    Sign off your daily post with a list of gratitudes.
    Grateful for opportunities that turn up when they are most needed.
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    Pay off debts and save 2018. Time to turn my life around (candle moment).
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