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  • FIRST POST
    • misstara
    • By misstara 28th Mar 18, 10:20 PM
    • 2,956Posts
    • 20,947Thanks
    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 £455.62 (80.2% paid)
    Car debt Nov 2017 £797.68 Now £755.40 (5.3% paid) + monthly payments £146.82 12/60
    Emergency fund - £25/£1000. Car fund - £20/£1000.
    Mini Targets in December
    Exercise target - 6/16. Groceries target £103.93/£220. NSD target 7/15.
Page 15
    • mothernerd
    • By mothernerd 11th Apr 18, 10:31 PM
    • 2,628 Posts
    • 27,975 Thanks
    mothernerd
    Thank you! Much appreciated.

    Did you go in the bat house at the zoo? I told the kids if they stayed still and held their arms out the bats might land on them. They were all awed by being a bat landing pad. We could have stayed in there for hours.

    And we used to live in Kersal, which borders Cheetham Hill which borders Blackley. I got bored one day just after having DS1 and decided to go for a wander and ended up in Harpurhey. So it was nice to hear about your visiting your son.
    Originally posted by f0xh0les
    Yes went in for a quick visit - spent longer there last time I went and I wasn't 'doing' the bits I had already done (still only managed 3/4 of the 136 acres). One bat caught hold of my finger, last time one half landed on my head - so much for all the radar/ they won't come near you bs. Did the same to a young man (probably in his twenties with a bunch of mates) and they were giving him a really hard time - the bat made him jump (well he was a bit more graphic than that). They do tell you to move slowly (so as not to scare them) but not to stop (in case they mistake you for a rock or roosting space).

    Found the A-Z accidently and tried to look at where I had been. Funnily enough, when they first ordered the house and he said where it was, I asked if it was 'towards Oldham way' and he said 'sort of' and from the map it's just the MCr side of the border with Oldham.

    I've done voluntary work in Ardwick Green and Hulme (once walked straight through Moss Side but it was before they made a habit of shooting each other), have written a funding application with someone who worked at Cheetham Hill Law Centre and many moons ago, when I worked at a Centre for the Unemployed, they made me liaison with other centres so I've visited places like Stockport and Miles Platting to swap ideas and problem solve (we took turns to host the meeting).

    Today I am grateful that the laptop has decided to carry on a little longer, that most of my body has stopped hurting, for my bed, my nest, my sanctuary (gave my apologies for crafts, could hardly move this morning), for the few bits I bought yesterday combining well with what I had to for no stress meals (wraps with sandwich filling and baby spinach leaves, ys baby carrots and a head of celery with dips I bought for Easter but are still in date and a weird combo using random bits from the freezer - all good).
    This year I will be fierce
    NST Dec in the Tardis #3 SFD 5/15 Food132.56/£180 Travel £0/£12 Ent/diy £6/£12 Ext Christmas £100/£100 (absolute max)
    No Debt No mortgage
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 11th Apr 18, 10:49 PM
    • 823 Posts
    • 5,125 Thanks
    swimminginaseaofdebt
    Evening everyone,

    NSD #4 for me today.

    Cashed out 85p from Qmee bringing my extra income for the month to £13.58/£93.

    Sent the 85p to my holiday savings which now stands at £308.58/£500.

    Finished reading my latest book this evening, have logged it into Goodreads which shows I still haven't caught up with my challenge.

    Today I am grateful for part time working.
    SPC11 #564 - £186.83
    SPC12 #22 - In Progress
    Stars from Sue -
    • misstara
    • By misstara 11th Apr 18, 10:58 PM
    • 2,956 Posts
    • 20,947 Thanks
    misstara
    NSDs - no spends today so 6/15
    Report - 11/30
    Interests - went for a short walk
    Love - does a g&t count?
    Outside - a 40 min walk in the sunshine
    Overpay - nothing today
    Organise - nothing today except work stuff
    Bad habit - no crisps
    Gratitudes - struggling with this today as had a truly horrendous day at work, one of those days where you think I seriously don't get paid enough to deal with this !!!! however - some sunshine, my walk, gin and seeing my dad
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £455.62 (80.2% paid)
    Car debt Nov 2017 £797.68 Now £755.40 (5.3% paid) + monthly payments £146.82 12/60
    Emergency fund - £25/£1000. Car fund - £20/£1000.
    Mini Targets in December
    Exercise target - 6/16. Groceries target £103.93/£220. NSD target 7/15.
    • sashanut
    • By sashanut 11th Apr 18, 11:12 PM
    • 2,999 Posts
    • 27,985 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. 5/15 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! Receipts earmarked for tomorrow, should have no interruptions.

    Report in every day. The daily support from this thread will keep you on track Here again..11/30


    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. Looked for item in room of Doom but still not located it/them. Will keep trying, maybe 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. Perfume but no makeup for friends visit, I know she will understand.


    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 in garden this morning for an hour, but mainly spent in clearing up - still a way to go but a little more progress..


    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. WIP.

    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. All meals from stock & surprisingly tasty.


    [/COLOR]Lose one bad habit. Mine's is a food related one but it can be anything you like. No snacking between meals. No snacking today, feel I am doing better.

    Sign off your daily post with a list of gratitudes. Grateful for: Visit from friend this afternoon, DD doing well with her healthy eating & weight loss, finally feeling a little better, making plans for hols in 5 days...need to make lists!!
    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
    • Puddleglum
    • By Puddleglum 12th Apr 18, 6:38 AM
    • 564 Posts
    • 4,640 Thanks
    Puddleglum
    I clocked up NSD 5/15 yesterday. I've discovered that I'm not doing as well as I'd hoped on the debt free path which I'm going to take in my stride and not allow it to stop me changing careers.

    I'm grateful to DD for buying me a back pack and memory stick to replace ones that were stolen a couple of weeks ago. She's amazing.
    "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).
    • f0xh0les
    • By f0xh0les 12th Apr 18, 7:12 AM
    • 1,957 Posts
    • 17,076 Thanks
    f0xh0les
    NSD 7 today. I need nothing. I even made supper for today yesterday (for 3 of us that like it hot and spicy) will make a pesto macaroni for the 3 that don't. All from stores,

    Another fun and thrilling day of stripping, I will be finished tomorrow.

    Grateful for a lovely bath, DS3 and 4 being loving (I think they knew I was sad),knowing that I will have a nice house one day.
    MFW STARTMay 16 £118,340 : Oct17 - £109,49Dec17 £108,80Jan 18 £108,39 Mar18 £108,50 Apr£108,10May£106,99Jun105,99.Jul105,30 Aug£103,99 Sep£102,999 Oct£101,999 Nov£101,300
    £100, 896.17 sub £100k by 2019Mortgage-free wannabe 2018 #65
    Referal code- https://doblotto.com/r/1f87a3
    • laurenh1
    • By laurenh1 12th Apr 18, 7:27 AM
    • 646 Posts
    • 7,232 Thanks
    laurenh1
    Lavender Bee yes I am an army wife I'm glad it's not just me who does that while they're away I am always amazed by how little I can spend while he's away
    • CosmicZebra
    • By CosmicZebra 12th Apr 18, 7:40 AM
    • 30 Posts
    • 328 Thanks
    CosmicZebra
    (Hugs) to people having hard days.
    Still on 6/15 NSDs. School holiday entertainment is wiping me out!
    Spent £7.95 at MrS yesterday. I really notice the difference in prices now I mainly go to Ald! Also owed my babysitter £45, so paid that.
    Went out last night and didn't drink. Haven't done that for a while. That made 3 no alcohol days.
    Not doing much overpayment and still 2 weeks till pay day.
    Outside with the dog. Went to work for a bit- it was ok. Working from home till Monday now.
    Hope everyone has a good day.
    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
    • thriftylass
    • By thriftylass 12th Apr 18, 9:13 AM
    • 3,463 Posts
    • 28,890 Thanks
    thriftylass
    Good morning,

    finally a lovely sunny day here but it made it so hard to go to work. Just want to work in the garden and get stuff in the house done.

    Hoping for an SFD, got HM soup for lunch and will drag myself to the gym.
    NST Dec Tardis traveller
    SFD3/12 (up to 19th) spends 160/300
    Exercise 2/12
    Debt - all 0% 644 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 100504 (11/18) OP 0
    • dolly84
    • By dolly84 12th Apr 18, 9:20 AM
    • 4,117 Posts
    • 38,146 Thanks
    dolly84
    laurenh1 - well done on your weight loss.

    mothernerd - your holiday sounded rather stressful, hope your mum is OK now.

    swimminginaseaofdebt - your sons vacuum cleaner reminded me of when my DS had one, he was about 2 at the time and so cute, I was quite teary remembering it.

    foxholes/dancingdragons
    - I think the constant grey skies are not helping our moods at the moment - we need some sunshine.

    thrifty - hope you get your money back for the tyre, and why on earth do you have to pay extra for a car seat, it should be a free add on as they are essential safety items.

    Got back last night from our trip to Edinburgh. It was lovely and we all thoroughly enjoyed it but it was not at all , we went up by train, stayed in a hotel, put the dog in kennels and that's before we even started eating out and visiting places. We did take in quite a lot of free things too.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • thriftylass
    • By thriftylass 12th Apr 18, 9:31 AM
    • 3,463 Posts
    • 28,890 Thanks
    thriftylass
    thrifty - hope you get your money back for the tyre, and why on earth do you have to pay extra for a car seat, it should be a free add on as they are essential safety items.
    Originally posted by dolly84
    I know, it's like making me pay for the airbag. But I guess you could bring your own etc. But it's crazy especially as they are a legal requirement. Can't wait for them to be big enough for little booster seats. Next time we go over Christmas but just take the ferry and our ow car again.
    NST Dec Tardis traveller
    SFD3/12 (up to 19th) spends 160/300
    Exercise 2/12
    Debt - all 0% 644 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 100504 (11/18) OP 0
    • apple muncher
    • By apple muncher 12th Apr 18, 8:21 PM
    • 8,048 Posts
    • 61,320 Thanks
    apple muncher
    Today I am grateful for getting out and about with dd, for ibuprofen gel + heat packs, for getting another bagful to the charity shop, for the trees getting all fuzzy, for dh having some extra work, for aldee stocking their cheap big packs of bacon again, for the library, for dd's crafting skills (she made a beautiful dress for one of her sylvan1an fam1lies creatures), for a dry day.
    NST December in the TARDIS #1; NSD 6/15; Shlder Ex 6/21 ; craft 2(261); remove (669)
    2018 Pay off: £4641; 2
    018 sell £98.10; WLOSW 3/10

    Mortgage £18,634 (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 12th Apr 18, 8:22 PM
    • 320 Posts
    • 1,800 Thanks
    LavenderBee
    NSD 9/18 here. Amazed as I had to go to the city for a meeting, I had assumed I'd end up with an expensive decaf coffee at least. Why all London terminals have to have more shops than my local towns do, I have no idea - if I worked there I suspect I would struggle with temptation...

    Anyway! Dinner was a jacket potato and cheese. If I'd served that to hubby he would have asked what's for mains and puds but I was happy with it, probably only cost a few pence too

    Thank you thrifty for the daff advice, I may try it on the saddest looking ones.

    Grateful for: stress free travelling today and my own bit of resolve in avoiding all the shops!
    • mothernerd
    • By mothernerd 12th Apr 18, 9:03 PM
    • 2,628 Posts
    • 27,975 Thanks
    mothernerd
    laurenh1 - well done on your weight loss.

    mothernerd - your holiday sounded rather stressful, hope your mum is OK now.

    swimminginaseaofdebt - your sons vacuum cleaner reminded me of when my DS had one, he was about 2 at the time and so cute, I was quite teary remembering it.

    foxholes/dancingdragons
    - I think the constant grey skies are not helping our moods at the moment - we need some sunshine.

    thrifty - hope you get your money back for the tyre, and why on earth do you have to pay extra for a car seat, it should be a free add on as they are essential safety items.

    Got back last night from our trip to Edinburgh. It was lovely and we all thoroughly enjoyed it but it was not at all , we went up by train, stayed in a hotel, put the dog in kennels and that's before we even started eating out and visiting places. We did take in quite a lot of free things too.
    Originally posted by dolly84
    Bits of the holiday were stressful, but we still had lots of fun. It's why I am there, mum just couldn't do it if she was on her own. Community nurse has been again today and left us more supplies but leave it alone mostly.

    Long day and an early start. Nurse has been known to come before 9am and I did another bulk shop before going. Relaxed after she had gone, me on the couch, mum lay on her bed and had a little nap. Made lunch and called for a taxi to take me to my therapist appointment.

    Another good session, went through my diary for the week (have to write down every 2 hours with my mood, happiness as a percentage and levels of achievement and enjoyment. Did a longer stay in the bath (practicing mindfulness) and may try a ritual bathing thing this week.

    Taxi home (cost £2.30, bus would have been £2.20 and still the town hall square and the car park to cross), think mum's money covers it so a NSD (it would be medical anyway). So grateful to be back on the bed.

    Relaxed this afternoon and have just downloaded a load of Doctor Who chibis to make a baby afghan blanket - DS1's fiancee is a fellow whovian. Now have 3 days at home to make a start on sorting things out. Starting with my bed - going to make a plan and schedule some things in for the next 3 days. Will meal plan to the end of the month and work on the accounts (have mum's tax return to do as well as my own).

    Today I am grateful for my therapist, the community nurse, for mum continuing to improve, for taxis (really could not have walked today), for shopping trolleys to lean on, for sunshine and flowers, for sleep and an early night.
    This year I will be fierce
    NST Dec in the Tardis #3 SFD 5/15 Food132.56/£180 Travel £0/£12 Ent/diy £6/£12 Ext Christmas £100/£100 (absolute max)
    No Debt No mortgage
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 12th Apr 18, 9:48 PM
    • 823 Posts
    • 5,125 Thanks
    swimminginaseaofdebt
    Evening everyone,

    Woke up at 5.45am this morning, pottered about the house until it was an acceptable time to put a wash on which got hung inside.

    Walked with the little one to free playgroup and passed by the supermarket on the way back to pick up a few things. Spends for the month are now at £175.19/£350.

    Little one fell asleep so managed to grab some lunch in peace followed by a shower.

    Received £7.34 from survey payouts today bringing my extra income to £20.92/£93.

    Sent the £7.34 to my holiday savings which stands at £315.92/£500.

    Hit the cashout levels for onepoll and yougov so that'll be £75 winging it's way to me next month.

    Sister texted me this evening and we've made plans to take the kids swimming tomorrow. Mines has never been before but need to get him used to the water before our holiday. Have checked out the prices online and it shouldn't be too expensive thankfully.

    Have also made plans to go for lunch with a colleague this Wed coming. We'll be eating from a set menu so hoping to keep spends here around £10.

    Have started reading the new Carole Matthews book today, it's got a pretty cover and I usually enjoy reading her books.

    Today I am grateful for the ability to generate extra income online.
    SPC11 #564 - £186.83
    SPC12 #22 - In Progress
    Stars from Sue -
    • Kerry Woman
    • By Kerry Woman 12th Apr 18, 10:17 PM
    • 2,565 Posts
    • 25,344 Thanks
    Kerry Woman
    A - 7/15 Was a spend day. Top up food shop and bingo.
    P - Done.
    R - Done.
    I - Read some of a book and wordsearch.
    L - Nothing done today.
    F - Did bits of walking around today.
    O - Done.
    O - Still ongoing.
    L - Ok with social media today.
    S - Grateful for:
    Went to bingo, had good company.
    Achieving as much as I could as I was tired.
    For an afternoon nap.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST December 2018 – Exterminate the debt! NSD 7/15
    • sashanut
    • By sashanut 12th Apr 18, 11:32 PM
    • 2,999 Posts
    • 27,985 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. Now 6/15 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! Receipts earmarked for tomorrow, should have no interruptions, silly me, of course there were interruptions. Will try tonight.

    Report in every day. The daily support from this thread will keep you on track Here again..12/30


    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. Looked for item in room of Doom but still not located it/them. Did at least try to find this stuff. Found a box with some items, but I need the bigger ones. Keep on looking!


    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. Nothing today.

    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 in garden this morning for an hour, more clearing & put stone chippings on path, looks tons better. Though did use 2 bags already, really need to use a third. If only it would stop raining...


    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. WIP.

    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. Made meatloaf to use up pork mince, very tasty & also good cold.


    [/COLOR]Lose one bad habit. Mine's is a food related one but it can be anything you like. No snacking between meals. No snacking to speak of today.

    Sign off your daily post with a list of gratitudes. Grateful for: Lovely robin at the window today, progress on clearing rubbish, getting to groom one dog twice today, dog lady able to come & let dogs out when DD is on day shift..Beautiful camellias in bloom can see from kitchen window.
    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
    • Puddleglum
    • By Puddleglum 13th Apr 18, 6:19 AM
    • 564 Posts
    • 4,640 Thanks
    Puddleglum
    A very spendy day yesterday as I went into Bristol to sort out a few things. The main thing to be sorted was the children's rainbow accounts which were opened by their grandma when they were born. Kids have since grown up, grandma toddled off and the bank branch involved has closed. Getting the money back for the kids has turned into a saga that has gone on for well over a year.

    Plenty of walking around involved yesterday and a long read in a coffee shop.

    Grateful for a bank employee who decided that the best thing to do was to start again from scratch and spent over a hour working on the accounts for me. Also grateful for friendly people.
    "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).
    • misstara
    • By misstara 13th Apr 18, 8:01 AM
    • 2,956 Posts
    • 20,947 Thanks
    misstara
    For yesterday

    NSDs - 7/15
    Report - 12/30
    Interests - went for a walk
    Love - used a matching body lotion and perfume, went out for tea with my dad and gran so wore a nice outfit and makeup
    Outside - lovely morning so enjoyed a walk in the sunshine
    Overpay - nothing paid
    Organise - nothing here
    Bad habit - no crisps
    Gratitudes - sunshine, a day off, spending time with my dad and gran
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £455.62 (80.2% paid)
    Car debt Nov 2017 £797.68 Now £755.40 (5.3% paid) + monthly payments £146.82 12/60
    Emergency fund - £25/£1000. Car fund - £20/£1000.
    Mini Targets in December
    Exercise target - 6/16. Groceries target £103.93/£220. NSD target 7/15.
    • greent
    • By greent 13th Apr 18, 8:25 AM
    • 7,598 Posts
    • 77,418 Thanks
    greent
    Day 12
    Aim for at least 15 NSDs. Usual exceptions apply, - Still 4/15
    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, 4 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. - - nope,
    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 - 4 things sold on fleabay yesterday for just over £90 before costs so will put money aside for OH's CC. Found £90 of unclaimed expenses from last Nov for OH, so have set that aside as an extra payment for his CC
    Organise your month. - DS1's 18th birthday mid month - that's gonna cost...... (all presents now bought/ ordered)
    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:
    * using things up from the fridge
    * baking a yummy lemon 'Victoria sponge'
    * easy dinner
    * brilliant haircut at local barbershop for DS2
    Budgets:
    Food 187.02/450
    Travel 59/ £75
    Gifts (inc cards etc) 8.25/£150
    Toiletries 6/£10
    Cleaning 10.70/ £10 (stocked up on dwasher tabs)
    Social £150 - need to update this with spends from pub last night - 1 round of just 2 drinks
    Clothing 132.60/ £75 (OH 2 x boots, 1 x coat, DS1 Y13 Leavers Hoody)


    Today involves a meeting with IFA to talk pensions and talking to a decorator about painting our kitchen. No plans for spending any money today.. we'll see....
    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) £7575.92/£7500
    Net sales 2018 £751.22/£1000 PAYDOX18 (#15) Done £18918.90
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  • Many saying sexism or ego. My suspicion as someone who works in TV is that this is a format point. I'd think whe? https://t.co/AXfrv5YqKA

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