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  • FIRST POST
    • apple muncher
    • By apple muncher 28th Apr 18, 3:41 PM
    • 7,927Posts
    • 60,027Thanks
    apple muncher
    NST May 2018: May the odds be ever in your favour!
    • #1
    • 28th Apr 18, 3:41 PM
    NST May 2018: May the odds be ever in your favour! 28th Apr 18 at 3:41 PM
    NST May 2018: May the odds be ever in your favour!

    However difficult life may seem, there is always something you can do and succeed at. Stephen Hawking.


    MMM says: If you are one of the 99% of people who is forced to live with only a finite amount of money, you should probably give some thought to how that money is spent. You can buy
    things, like cars and mobile phone plans for your kids, or you can buy freedom, in the form of paying off your debts, saving most of what you earn, and soon being able to choose your own work schedule or even retire early.


    Motivation: what is your personal motivation for joining in with the turtles? To get out of debt? Too stay out of debt? To build up savings / an Emergency Fund? FIRE? What is your personal timeline for reaching your goal? If it seems too far away, break it down.

    Money: know your income and outgoings. To the penny. Know when every single DD goes out, when the annual payments are required. If you cannot cope with cash in your pocket, only use a card; if, like me, you work better with cash, then use that. Note down EVERY single spend and eliminate the unnecessary ones.

    Me time: look after yourself. Get enough sleep; eat well; move; do things you enjoy. Last month we were encouraged to take up a new hobby / revive an old one. Such a good thing to do!

    Move: being active benefits your body and your mind. You know that. Now do it. Find your level of activity and crank it up a notch (I’ve recently upped some of my kettlebell exercises from 8K to 12K). Get outside. Play!


    Activation: what spurs you on to keep on the path? Does following other threads or blogs inspire you? Dedicate some time each week to expanding your reading and finding ideas that you can use – and please tell us about them.

    Arm yourself : you have chosen to follow a path that many mock and despise - that of ridding yourself of debt and financial constrictions in order to be free; free to choose what to do with your money and time, not enslaved to repaying or to other people. Whether you opt to work more or to spend less in order to achieve your goal, stand firm against the naysayers. Stand strong in your personal quest against consumerism and the futility of always acquiring more.

    Do not go where the path may lead; go instead where there is no path and leave a trail. Ralph Waldo Emerson


    You. Are you happy in yourself? Know what brings you joy, what cheers your heart, what makes you pause and wonder. Don’t just stop and smell the coffee in the morning; practise stopping and looking around throughout the day. Appreciate what you have. Be grateful.





    The Rules:

    We start on May 1st and continue to the very end of the 31st.


    19 NSD: you have 12 days to spend, so use them wisely, especially with the Bank Holidays and half term this month. Petrol, medications and emergency travel needs are exempt. As are reduced items if that is all you buy.


    Foodbank/ charity donation of £5.


    Pay to your debt/savings FIRST and live off the rest.


    Plan the month: every single day: what you are doing, what you are eating, especially with the Bank Holidays and half term, birthdays, anniversaries.


    Check in every day. Short posts, long posts, ups and downs. Turtles are gregarious and friendly, they look after each other and encourage each other out of their shells.


    Who will join me on a quest to fight consumerism and the Ferenghi prerogative of 'acquisition, acquisition, acquisition'? Sign up below for a month of debt-fighting, money saving and general turtle fun.


    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; 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
Page 10
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 8th May 18, 8:32 PM
    • 820 Posts
    • 5,106 Thanks
    swimminginaseaofdebt
    • 12 NSDs - 5/12
    • Budgets - £250 food and £100 social - £89.74 food and £7.60 social
    • Continue batch cooking for the little one (remembering to include a larger variety of meals) - 3 portions of veggie omelettes and 3 portions of veggie lasagna made. Rooted around the freezer and we're running low on soup and risotto so I'll make some more of that next weekend
    • Make an extra £93 through surveys - £48.69 made to date
    • Continue building the full and final fund - £42.93 added to date
    • I'm making up Christmas gift boxes for local disadvantaged children. So far I've done two teenage boys and started on a boy 9-12 months but still more to get for him so I'll continue with that
    • Plans - safari park and dinner/new avengers movie. Will also allow for a visit to soft play and I need to take the little one swimming as we're holidaying in June and he's never been in a pool - safari park cancelled, soft play on the 12th with friend and her daughter
    • Read as much as possible - 1 book in progress, 2 books finished
    • Finish my final OU essay for this module
    SPC11 #564 - £186.83
    SPC12 #564 - In Progress
    • x_raphael_xx
    • By x_raphael_xx 8th May 18, 8:46 PM
    • 3,626 Posts
    • 18,932 Thanks
    x_raphael_xx
    I can't remember if it was Dolly or Raphael with concerns about stress fractures from running. ... the moral of it is, when did you last replace your running shoes?
    Originally posted by LavenderBee
    It was me It's not a sharp pain, and it does seem to be slowly fading. It aches more when I first wake up and if I'm stretching. My work 'sandals' have a strap that goes straight across the front of my ankle and I have to loosen the buckle by one as it cuts in a little.
    I think I bought my shoes about 2 years ago, although I've only properly got back into running this new year. I have two pairs and alternate them each run, so they've probably only had about 6 monthish wear each.
    I find that as I have two different styles of shoe they run in different places, so it gives my blisters and tender skin a chance to heal too.

    Didn't check in yesterday, was invited round to a friends bbq, so we enjoyed the last bit of sun and a few beers.

    Money: know your income and outgoings. Still haven't spent, had my payslip so I know what my extra is from all those long work days last week.

    Me time: Look after yourself. Revive an old hobby. Exam practice. I have practiced today!!! For some reason knuckling down to practice has been really difficult. Only 8 weeks to go so I should be panicking and spending ages on it!

    Move: Run today. Took the pup out for his strolls too.

    Activation: What spurs you on to keep on the path? Still more podcasts, sometimes I wish I lived further than across the road from work so I can get more podcast time in

    Arm yourself : Whether you opt to work more or to spend less in order to achieve your goal, stand firm against the naysayers. Extra £34.00 in wages this week I shall be popping that straight into mums pot when I'm paid on friday.
    Planned spends this month - £20 tattoo deposit.


    You. Appreciate what you have. Be grateful. Today I am grateful that somehow we seemed to be ahead in out work today. First day in weeks we actually enjoyed our work and wern't stressed by our workload!

    19 NSD: 8/19 NSDs Achieved.

    Minimalism: Day Seven and Eight - 15 items - 2 (moldy) cardboard mag racks, old broken phone case, elastic fasteners to keep your bedsheets in place - All in the bin. 11 various out of date tablets and creams (E45/deepheat etc) in the bin.
    So far 36 items have left the house

    Check in every day. Here I am
    Debt Free as of 17/01/2009 Turtle Power!!
    Nov NSD's - 9/20 / Lose weight -12.4 lbs / 22.2 lbs
    EF Challenger #36 £650/£1300
    • f0xh0les
    • By f0xh0les 8th May 18, 9:34 PM
    • 1,876 Posts
    • 16,155 Thanks
    f0xh0les
    Hello!

    Still on NSD3 - I bought 4 vegan ice creams on the way to get the kids from school.
    It was hot and they were happy (£2 spend). Could have been much worse.

    Put up a very tricky shelf, and am 3/4 of the way through the last one in that section. I can see it is going to free up a load of space and clear a corner that was becoming cluttered. Yay!

    Need to buy a few more shelf boards and some more paint -
    Got a payout of £25 from a cashback site!!
    It will more than pay for my diy bits and bobs.
    Still feels a bit like mugging Peter to repay Paul.

    Glad it is - a short week this week. DS3 gone off on sc hool journey happily. Annoyingly the kids ate very little at suppertime, but was all salady stuff so it will reappear as lunchbox fodder tomorrow, or in a ' best supporting role' for supper tomorrow.

    It is supposed to be getting cooler. I hate this heat. I also dislike waking up as soon as it is light. But if you like such things please enjoy it while you can.
    Winter is coming
    Thank Fred!
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 Mar 18 £108,504.72Apr £108,099May £106,999Jun 105,999.Jul 105,300Aug £103,999 Sept £102,999 Oct 101,999November £101,300.00
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • mothernerd
    • By mothernerd 8th May 18, 9:51 PM
    • 2,584 Posts
    • 27,265 Thanks
    mothernerd
    A NSD for me. Woken by the alarm (max 5 hours sleep) and started phoning the district nurses (remembered that that is what you have to do, if you wait until 9am they've all gone out on their rounds). Eventually got through but they only took clinic bookings on that line. So same again with second line, they kept telling me where I was in the queue). Request was put in the book for one of them to pick up when they returned to the office. Phoned mum to let her know.

    Had more sleep (walking uncoordinated and knees weak). Had a bath. Dressed, phoned for taxi, gathered 5 bags of shopping for mum + bits of paperwork to sort. Mum once more has enough food to withstand a seige. However she was disappointed as she went to get an ice cream and there were none - the one I had was from home, grabbed it from the freezer when I was packing her stuff.

    She had started one of the jigsaws I bought for her. She was bothered by lack of progress (only has sight in one eye and finds it difficult to pick up the pieces) but she had done much better than expected. I have spent several weeks trawling charity shops to find one with distinctive colours, she wouldn't stand a chance with a lot of sky and trees. Told her about the ones I saw yesterday. Oxfam had a 99p sale and had lots of jigsaws including several cartoon type ones (bit seaside postcard but not rude) which had bright colours and blocks of colour.

    So new list including going back to see if the jigsaws are still available (at a reasonable price) two sorts of ice creeam cornets and looking for a suitable first communion gift (not buying as I suggested she checked what other gifts are first).

    Did a bit of work in the garden before it rained, put the bins out, did paperwork, let the nurse in - wound seems to be healed over so she left it without a dressing, did the difficult bits of the jigsaw (black, navy blue and all the birds legs which were drawn in wih dotted lines), made food.

    Hoping for an early night but want to do something creative (using up more bits and leftovers - cut some owl shapes last night).

    Today I am grateful for lovely weather, mum being on the mend, relaxing with a jigsaw, the nurse coming out and leftover pizza (found 4 pieces whilst putting the pizza box pile together to top up the bin - only eaten the bits off the top).
    This year I will be fierce
    NST Nov #1 SFD 7/20 Food£99.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
    • bizzie
    • By bizzie 8th May 18, 11:39 PM
    • 192 Posts
    • 2,316 Thanks
    bizzie
    Grocery shop today included baking supplies - DD has exams coming up and enjoys cooking as a distraction so homemade brownies for pudding.

    Grateful for children who bake, sitting out in garden whilst dinner was cooking and reaching the bottom of the laundry basket.
    Groceries 33.46/300.00 Personal Spend 0 /100.00
    NST November #21 NSD 5/15 @07/11/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • sashanut
    • By sashanut 8th May 18, 11:42 PM
    • 2,978 Posts
    • 27,721 Thanks
    sashanut
    Hi all


    Motivation: what is your personal motivation for joining in with the turtles? My motivation is to cut down on the unnecessary spending and pay for some renovations to this property. In order to do this I think we need to be saving money by doing any jobs we can realistically (!) do ourselves. Very little progress today with 'our' stuff as I find the stint in the CS very draining....as usual overwhelmed by donations after a BH. Have some stuff of mine to take but will wait until a more opportune moment. Did the second grocery shop of the month today (£31.64) which included quite a few bbq items which in the end we didn't use as it started to rain...still we had a version indoors which was nice & I made a small rhubarb & ginger crumble for afterwards.


    Money:
    know your income and outgoings. All DD bills should have gone out by now and I am going to add up our income, that won't take very long.. so far have done now two grocery shops, . Grocery bill so far £57.07.

    Me time: look after yourself. Get enough sleep; eat well; move; do things you enjoy. Good nights sleep, eating fairly good, moving in CS for 4 hours, brief play in garden with canines & indoor with feline.

    Move: being active benefits your body and your mind. You know that. Now do it. Moving in CS, not so much steps as constant moving around sorting etc.

    Activation: what spurs you on to keep on the path? Have not done much decluttering but have identified some items to sell to a fellow collector. Just need to find out how to price, which will be tricky as rare items & not available so need to research somehow. Just got a few bits of cane furniture moved from outside into large shed, was determined they would not go back in lodge again. Wiped all windows down but they still need a good clean & some paint needed also. Lots of painting needed outside, but will get done.

    Arm yourself : you have chosen to follow a path that many mock and despise - that of ridding yourself of debt and financial constrictions in order to be free; free to choose what to do with your money and time, not enslaved to repaying or to other people. Glad we are not bothered about 'keeping up with the Joneses' - have done that a long time ago but really do not care any more. It's how some people validate themselves & that's fine, but not for me. We are now free from paid work commitments but spent many years getting there, wish it had been sooner. Desperate need of decluttering & getting rid of old lifestyle. Will attempt this but have friends coming tomorrow & Thursday, plus hair appointment Friday so not looking good. However, will persevere, it must be done this year.


    You. Are you happy in yourself? Know what brings you joy, what cheers your heart, what makes you pause and wonder. Don't just stop and smell the coffee in the morning; practise stopping and looking around throughout the day. Appreciate what you have. Be grateful. GratitudesFor a laugh at work, for another dry day, for finally getting through the washing (now the ironing mountain awaits), for frisky canines & super cute kitty, for tasty meal with no leftovers.


    NSD still 4/19 so far

    Check ins: 8/31

    Not done charity donation yet but will arrange asap. Need to do through euro account. Will give to CS tomorrow - 4 hours of my time, plus no doubt a sum of cash (£12)

    Thanks for the info re photos dolly84 will investigate that & see how I get on.

    Foxholes I am with you on the heat thing.....dry is fine, but hot is a no no for me..
    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
    • Fmess
    • By Fmess 9th May 18, 6:24 AM
    • 2,753 Posts
    • 26,427 Thanks
    Fmess
    SFD number 3 yesterday

    No dog walking as too hot and then it rained. Lots of work completed. I was grateful to have plenty of food, a reliable car, my safe home and the company of my dogs.
    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
    • Puddleglum
    • By Puddleglum 9th May 18, 7:11 AM
    • 564 Posts
    • 4,640 Thanks
    Puddleglum
    NSD 5/19 yesterday.

    The detox involves cutting down on caffeine, gluten, dairy, night shades, sugar, soda and eggs for a week. Cutting them out completely for two weeks and then testing to see if any is a problem after that so really it is detox light. I already know that gluten is a no no for me but managed to get myself glutened yesterday by being careless.

    Caffeine wise, I did have a stonking headache yesterday which may have been the caffeine or it may have been the special class being extra special. I tend to stay away from decaffinated as a result of having a chemistry degree - a case of a little knowledge which is probably nothing to worry about. If you are having very strong withdrawal symptoms though decaffinated does seem a sensible route to go.

    Here's hoping the special class isn't too special today!
    "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 9th May 18, 7:14 AM
    • 1,876 Posts
    • 16,155 Thanks
    f0xh0les
    Today I am grateful for ... leftover pizza (found 4 pieces whilst putting the pizza box pile together to top up the bin - only eaten the bits off the top).
    Originally posted by mothernerd

    The pizza fairy loves you, mothernerd.

    I spent over an hour in the kitchen last night making supper, only to find nobody had much appetite because of the warm weather.

    I am my own pizza fairy.
    Might play with some dough while the weather is good for rising.
    It will go with all the leftover salads
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 Mar 18 £108,504.72Apr £108,099May £106,999Jun 105,999.Jul 105,300Aug £103,999 Sept £102,999 Oct 101,999November £101,300.00
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 9th May 18, 7:16 AM
    • 1,876 Posts
    • 16,155 Thanks
    f0xh0les
    Grateful for children who bake, sitting out in garden whilst dinner was cooking and reaching the bottom of the laundry basket.
    Originally posted by bizzie
    Like Mr Tickle?? And his extraordinarily loooooong arm.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 Mar 18 £108,504.72Apr £108,099May £106,999Jun 105,999.Jul 105,300Aug £103,999 Sept £102,999 Oct 101,999November £101,300.00
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • LavenderBee
    • By LavenderBee 9th May 18, 8:27 AM
    • 304 Posts
    • 1,553 Thanks
    LavenderBee
    Sorry puddleglum, I can't quote on my phone but I buy the water-decaffeinated teas and coffees as a general rule. With your chemistry hat on; are they better than the others? I don't know what they do to normal decaf but if a product can't say it's "gently decaffeinated using only water" I'm guessing it uses something else?!

    Planning to spend £1 on hospital parking from personal budget today. Umming and ahhing about getting a small basket of shopping whilst out so I don't have to go at the weekend (and would give me another nsd to bank!)
    • maitlah
    • By maitlah 9th May 18, 8:29 AM
    • 11 Posts
    • 102 Thanks
    maitlah
    Day 8
    Morning all

    Puddleglum - Whole Earth do a naturally decaf coffee-alternative. It's basically a bunch of different herbs and spices and extracts put together so they taste like coffee. Not quite a perfect dupe but it really helped me when i was cutting down on caffiene - now down to my one black coffee in the morning where i used to chug 4 or 5 a day! I'm not sure how it would affect your other detox ingredients though.

    Yesterday was a pretty chilled out one for me. I did spend the afternoon upending the office so we're ready for the new GDPR laws coming into place so that was fun... not so much. But it's done now.

    Money: Spent nothing and made a sale on social media Not much but every penny counts
    Me time: Watched an anime I've been wanting to start for a couple of months now but it's not something the tall one likes. Decided screw it and started yesterday while he was doing some laundry. We both enjoyed it in the end
    Move: Not so much yesterday other than the usual walking around at work
    Arm yourself: Plenty of food in the house so no need to shop.
    You. I am grateful for the sunny weather continuing, for a busy but relatively quiet day yesterday, for sticking to my new diet plan even if i haven't started seeing the results just yet, for music, for feeling productive, for getting organised.

    NSDs 4/19
    Check ins: 6/31
    Last edited by maitlah; 09-05-2018 at 8:31 AM. Reason: Typos!
    • dolly84
    • By dolly84 9th May 18, 9:01 AM
    • 4,075 Posts
    • 37,663 Thanks
    dolly84
    NSD 5/19 for me.


    For those looking to cut out caffeine, unless you're doing it as part of a wider programme where you have to go cold turkey, and you're happy to have decaf rather than cut out all coffee; I recommend going 'half caff' first, and swapping out half caff for decaf gradually. That way you can lessen the headaches (I've tried cold turkey a few times but couldn't work with the headaches so would end up giving in!). Sainsbury's make a half-caff ground coffee for caffetieres and coffee makers - or you could make your own by mixing two together of course.
    Originally posted by LavenderBee
    Thanks. I will have a look for the half-caff coffee in Sainsburys and give it a go.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • thriftylass
    • By thriftylass 9th May 18, 1:54 PM
    • 3,443 Posts
    • 28,585 Thanks
    thriftylass
    Hallo,

    been absent for a while again (usual weekend absence and a bit of overwhelmed-ness). Just can't do it all, work, house, kids, craft, garden, finance, checking in on here etc etc. while still having huge to do lists that don't shrink or get transferred day after day. Someone called it a amorphous mess of undoablility. Well, yesterday me and my colleague went to this course (organised from work) to help with project management/time management/procrastination etc . Was meant for work but helped me refocus in my personal life. Simple things: I've been writing my to do lists wrong. Rather than just achievable simple tasks I had whole projects on there like clean and tidy conservatory. No wonder it never got started and got pushed along as it is a big multi-task project. Anyway, rambling over but hopefully this course helps me manage better, be more organised, realistic and relaxed about my to do list and will enable me to stay on here. Not sure what my numbers are (haven't had time yet) but will look into it.

    EDIT: numbers done and don't look to bad yet. On track with spending and SFDs.
    Last edited by thriftylass; 09-05-2018 at 3:06 PM.
    NST Nov in NY
    SFD8/20 spends 260/430
    Exercise 7/20
    Debt - all 0% 500 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 100504 (11/18) OP 0
    • mothernerd
    • By mothernerd 9th May 18, 4:27 PM
    • 2,584 Posts
    • 27,265 Thanks
    mothernerd
    Hallo,

    been absent for a while again (usual weekend absence and a bit of overwhelmed-ness). Just can't do it all, work, house, kids, craft, garden, finance, checking in on here etc etc. while still having huge to do lists that don't shrink or get transferred day after day. Someone called it a amorphous mess of undoablility. Well, yesterday me and my colleague went to this course (organised from work) to help with project management/time management/procrastination etc . Was meant for work but helped me refocus in my personal life. Simple things: I've been writing my to do lists wrong. Rather than just achievable simple tasks I had whole projects on there like clean and tidy conservatory. No wonder it never got started and got pushed along as it is a big multi-task project. Anyway, rambling over but hopefully this course helps me manage better, be more organised, realistic and relaxed about my to do list and will enable me to stay on here. Not sure what my numbers are (haven't had time yet) but will look into it.

    EDIT: numbers done and don't look to bad yet. On track with spending and SFDs.
    Originally posted by thriftylass
    Yes, don't mix your elephants in with your frogs. Elephants need to be broken down into bite size pieces and then schedule a piece in whenever you have time.

    I wrote down an organising idea into my new notebook. It's basically
    1 Write a master to do list (think this is the same as the 'brain dump' I did a fw weeks ago - write everything down then you don't have random to dos floating or buzzing round your head).

    2 Prioritise the list
    One woman advocated putting them all on post its and deviding them in four by how annoying they were and by length/ ease of doing. So then you tackle anything that's easy but saves lots of hassle, first. Anything time consuming that you can live with (little niggles) goes at the bottom. The others go in between.

    The second advocate advised prioritising by one of several categories - easy to do, quick, most difficult first, one that's costing money or will make money, one that you have the time or energy to do - like this because you could use a different priority according to how you feel on a particular day. On a really bad day, when you're feeling worn out, tackling a couple of easy wins would make you feel you had done something with your day.

    3 Pick a task. Put the list away until that task is done.

    Can you tell I've been reading a lot of these things rcently. If I'm going to be under par most of the time, I need as many tools as possible to cut tasks down to size (or cut them out altogether) and get them done as effortlessly as possible.

    Today I went to buy mum's jigsaws. Some had gone but found four that were suitable. Took me an hour and twenty minutes to visit 3 shops and had to sit down in between (did someone say the heat doesn't suit them?). Bought wash tablets for me and some dinosaur bits to cheer someone up - knew it was a spendy day and could not find the wash tablets in the shops I tried on Monday.

    Had a taxi to crafts, only took 2 bags, all my suggestions were well recieved and will do a swap round in the next few weeks so that everyone gets a chance to do the things they have missed. Made a button picture with our blind member. Used a textured background and bright pink flowery paper for the butterfly, so she could feel the edges because of the contrast.

    I have a box or two for others to do similar - one will be an owl one - but thought the blind girl would not have need of a box to put things in. She agreed but then I suggested that we could make her a savings box (at a later date) to save for the things her guide dog will need (collar, basket, toys etc) when s/he arrives (postponed until she has had all the operations she needs). She loved that idea.

    We have also been asked to make some hug boxes. These are little decorated boxes with wording that says to hold them when you feel lonely (in need of a hug) and know that someone is thinking of you. I said we had some small box type things in our basket (think they were envelopes for cards with raised embellishments). Needed about 12, we had 13 (sticky strips are no longer sticky but I have double sided tape). Have left word that we only need the wording to go on the boxes, we have paper, ribbons and can make anything else we may need.

    I have returned four library books and brought more back. All the videos I was interested in have gone so saved myself some money by waiting. Need to do homework for tomorrow's therapy appointment and find things to send to someone who is ill, to cheer her up.

    Today I am grateful for finding good books easily, for enjoying crafts, for finding the things we need to complete mum's garden (think I will have them delivered), for lovely weather, for not feeling as dizzy as this morning, for the bin men coming.
    This year I will be fierce
    NST Nov #1 SFD 7/20 Food£99.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
    • greent
    • By greent 9th May 18, 4:58 PM
    • 7,524 Posts
    • 76,384 Thanks
    greent
    Days 8 & 9 - 2 for the price of 1 :)
    Motivation: have short/ medium/ long term goals
    Money: All DDs except gas/ elec have gone out now (just changed suppliers) so all money left is ours...
    Move: 10k steps achieved yesterday. Walk planned for later tonight

    Activation: What spurs you on? - more investment planning/ research done
    Arm yourself :spent yesterday (inc bday items and some garden fripperies to pretty it up for joyful time out there) Could have not bought the garden stuff - but want a pretty garden!
    You. Appreciate what you have. Be grateful.
    * my family's health. All of my children are safe & well
    * a good morning at work
    * line dried washing
    * catch up tv to iron to
    * eating YS food!

    Foodbank/ charity donation of £5. - monthly DD to WWT. 2 bags of items donated to shoebox appeal - new bag started today HAve also added 4 unsold items from flebay listings to CS bag - will take it there later this month

    Pay to your debt/savings FIRST and live off the rest. - done

    Plan the month: every single day: what you are doing, what you are eating, - sort of - have written in work days, day when collecting DD from uni, DS3's, my mum's, my sister's, my aunt's and bestie's husband's bdays... Am not going to plan food, though).

    Check in every day.here -

    NSDs - 4/19 - another one today (OH wanted to go out for lunch but we ate previously purchased YS items at home instead )
    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) £7127.06/£7500
    Net sales 2018 £721.53/£1000 PAYDOX18 (#15) Done £18918.90
    • Puddleglum
    • By Puddleglum 9th May 18, 5:28 PM
    • 564 Posts
    • 4,640 Thanks
    Puddleglum
    Sorry puddleglum, I can't quote on my phone but I buy the water-decaffeinated teas and coffees as a general rule. With your chemistry hat on; are they better than the others? I don't know what they do to normal decaf but if a product can't say it's "gently decaffeinated using only water" I'm guessing it uses something else?!

    Planning to spend £1 on hospital parking from personal budget today. Umming and ahhing about getting a small basket of shopping whilst out so I don't have to go at the weekend (and would give me another nsd to bank!)
    Originally posted by LavenderBee
    I was a bit sceptical as I remember using a fairly harsh solvent to get the caffeine out of tea as it was easier to extract from that than coffee. This is something from the Internet which suggests that, yes they do use water to get the caffeine out into solution but then go on to dissolve it in chloroform in order to separate it from the tea.

    http://www.upb.pitt.edu/uploadedfiles/about/sponsored_programs/science_in_motion/chemistry_labs/chem023_caffeine%20extraction%20from%20tea(1).doc

    It may be perfectly safe, I'm not saying that it isn't, but just prefer to drink things that don't have caffeine in them to start with. Or better still a nice cup of strong black coffee!
    "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).
    • bizzie
    • By bizzie 9th May 18, 5:51 PM
    • 192 Posts
    • 2,316 Thanks
    bizzie
    F0xh0les - Mr Tickle was my favourite of the Mr Men. I may even have my original book somewhere amongst the many books that live in my home.
    No spending today - plenty of looking at things I would like rather than need but haven't caved - yet!
    Dinner will either be leftovers or from stores depending on person - a mix and match menu.
    Grateful for lovable and daft cats, beautiful weather and budgets balancing.
    Groceries 33.46/300.00 Personal Spend 0 /100.00
    NST November #21 NSD 5/15 @07/11/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • Kerry Woman
    • By Kerry Woman 9th May 18, 7:24 PM
    • 2,531 Posts
    • 24,817 Thanks
    Kerry Woman
    NSD: 7/19 NSD achieved today.
    Motivation: To be more mindful regarding spending. This is going to be ongoing. So far doing ok with not doing emotional spending and not spending without thinking.
    Money: The budget for each category is done.
    Me time: Just read 2 of my books, wordsearch and mindfulness colouring.
    Move: Walked from bus stop to and from work today.
    Activation: To get my spending down to a reasonable amount.
    Arm yourself: Will have to stand strong in my quest against consumerism and acquiring more. Still doing this. Not being tempted by emails regarding discounts.
    Donation to charity: Done for the month. Bag of items put aside for charity shop.
    You.
    Grateful for:
    Very good night's sleep.
    Windows opened this evening.
    Lavender oil in burner this evening.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    Nst november in new york NSD 9/20
    • apple muncher
    • By apple muncher 9th May 18, 7:27 PM
    • 7,927 Posts
    • 60,027 Thanks
    apple muncher
    Today I am grateful for my cheerful dd, for getting things done at work, for nice pupils, for lovely colleagues, for the sunshine still being with us, for a good journey home, for 85% chocolate.
    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; 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
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