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  • FIRST POST
    • apple muncher
    • By apple muncher 28th Apr 18, 3:41 PM
    • 7,921Posts
    • 60,015Thanks
    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 (Iíve 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 Ė 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. Donít 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 8/15; Ex 6/21 ; craft 42 (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 12
    • f0xh0les
    • By f0xh0les 11th May 18, 7:04 AM
    • 1,876 Posts
    • 16,150 Thanks
    f0xh0les
    Yesterday was NSD 4 and today will be NSD 5.

    Loads of stupid 5 minute jobs done yesterday - all frogs, no elephants.
    I have a Masterlist of Everything that needs doing, and then I have my What can I realistically do in May and then I break that down into what can I get done this week.

    Today I am laundering the bedding and getting it on the line.
    DS3 is coming home off school journey tonight so I am expecting him to have not slept since Monday and raring to start an arguement.
    Few more screws to go in on the ground floor,

    Someone has caused a talc-splosion in the bathroom, so mopping the floors and will clean the bathrooms today as well.

    Gratitudes: anti-histamines, Eurovision last night , getting DS3 back, Eurovision on Saturday, being able to rejig the central heating timer - it is now off -. Getting cashback payout for Ireland boat trip.
    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
    • dolly84
    • By dolly84 11th May 18, 8:59 AM
    • 4,072 Posts
    • 37,641 Thanks
    dolly84
    foxholes - your DS3 could do with popping round here, I have a 14 year old DD who loves nothing more than a massive row. This morning I stood on the black box attached to her laptop cable whilst stripping her bed, I asked her to tidy the laptop and cables away for the day and she went crazy and called me a complete bi**ch.



    When I got downstairs the dog had been sick so that was a good start to the day - hopefully it will get better.


    Had a £10 argos voucher to use up from when I bought the replacement laptop last week so last night I bought a popcorn maker, I love popcorn but wanted to make it without any fat. Not strictly necessary as far as spending goes but it will be fun.


    Called at Lidl yesterday and got 2 of the large jars of pickled gherkins they do, a bag of almonds and some cashews and 2 packs of organic cacoa powder, all from grocery budget and I was especially pleased with the cacoa.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • greent
    • By greent 11th May 18, 11:33 AM
    • 7,522 Posts
    • 76,357 Thanks
    greent
    Day 10
    Motivation: have short/ medium/ long term goals. Paid £10 to short term goal yesterday
    Money: All DDs except gas/ elec have gone out now (just changed suppliers) so all money left is ours...
    Move: was absolutely bushed last night so didn't go on the walk with OH. 6.5k steps was all I achieved
    Activation: What spurs you on? -
    Arm yourself :no purchases yesterday.
    You. Appreciate what you have. Be grateful.
    * an early night last night
    * more line dried washing
    * a £10 amaz0n voucher for free for signing up to look at my life assurance online (have had the policy 22 years ) - paid £10 off CC to match the freebie
    Foodbank/ charity donation of £5. - monthly DD to WWT. 2 bags of items donated to shoebox appeal - new bag started 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 Few small extra payments made since

    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 - - late again

    NSDs - 5/19 - another one yesterday - spent the day doing housework

    Will spend today - but on bday presents for DS3 from my mum, who will transfer money back into my account, so won't count it if that's all I buy.
    Soooooo cold today
    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
    • Fmess
    • By Fmess 11th May 18, 5:54 PM
    • 2,753 Posts
    • 26,427 Thanks
    Fmess
    Apple good spot! I couldn!!!8217;t sleep, I found out my grandad had gone into hospital last night and woke up at 5 after a restless night. Not been a great day, they think he!!!8217;s possibly had a stroke today, just awaiting news from my parents now
    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
    • crazy_cat_lady
    • By crazy_cat_lady 11th May 18, 6:15 PM
    • 4,126 Posts
    • 35,308 Thanks
    crazy_cat_lady
    Everything crossed that your granddad is better soon Fmess.

    Hope your day got better dolly

    I'm so tired! Survived my first week back at work and am ready for a bit of relaxing and an early night. Spent £1 on a coffee at work because I was desperate by lunchtime, and I have my shopping delivery coming later.
    November in NY #20 NSD = 9 1 debt vs 100 days £328.51/£1685
    DFD #1: 6 Nov 15 - paid £28,447
    • DawnW
    • By DawnW 11th May 18, 6:41 PM
    • 5,304 Posts
    • 41,988 Thanks
    DawnW
    foxholes - your DS3 could do with popping round here, I have a 14 year old DD who loves nothing more than a massive row. This morning I stood on the black box attached to her laptop cable whilst stripping her bed, I asked her to tidy the laptop and cables away for the day and she went crazy and called me a complete bi**ch.
    Originally posted by dolly84
    Perhaps it is time your DD changed her own bed Dolly84

    • apple muncher
    • By apple muncher 11th May 18, 7:32 PM
    • 7,921 Posts
    • 60,015 Thanks
    apple muncher
    Fmess - hope your grandad is ok and that they look after him well.

    Ccl - you have to pay for coffee at work?


    Today I am grateful for taking 2 more bags to the Sally Army, for finding what I wanted in liddle, for free parking, for getting plenty of washing done, for a quiet day, for dh taking the washing machine apart and putting it back together with no parts left over, for a yummy tea.
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (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
    • x_raphael_xx
    • By x_raphael_xx 11th May 18, 8:28 PM
    • 3,626 Posts
    • 18,924 Thanks
    x_raphael_xx
    Ccl - you have to pay for coffee at work?
    Originally posted by apple muncher
    We're going thru 'TeaGate' at work at the moment.
    Everyone was (supposed) to be paying one guy £1 a week, and he was buying all the tea, coffee, milk & sugar.
    However, he was getting agro from colleagues whenever he asked them for their money, and some people would say they don't drink the tea, not pay, then sneak a cuppa now and then.
    He finally had enough a couple of weeks ago and refused to continue. We've been running down the supplies and people are now arguing over who's milk is who's, and using each others tea bags etc.
    I've always taken in fruit teabags, so never been involved in the drama.

    Had a nice chilled shift in work, then met with my bestie before she started her shift. Then had my music lesson. BF cooked some yummy jacket spuds for tea.
    I never like the sound of jackets for tea, to me they are more of a lunch thing, but I always enjoy them.

    Money: know your income and outgoings. Wages in today, spreadsheet updated.

    Me time: Look after yourself. Revive an old hobby. Exam practice. Lesson today, We are slowly getting there. Need to knuckle down thou and put some serious hours in.

    Move: Just walkies this afternoon. Was supposed to have a run, but by the time I had my lesson and tea, it is far too late.

    Activation: What spurs you on to keep on the path? Watching some 'my 600lb life'

    Arm yourself : Whether you opt to work more or to spend less in order to achieve your goal, stand firm against the naysayers. More surveys, extra wages from last weeks long days paid straight into mums fun.
    Planned spends this month - £20 tattoo deposit.


    You. Appreciate what you have. Be grateful. Today I am just feeling good and grateful for life in general

    19 NSD: 10/19 NSDs Achieved. Another NSD. Please with my attempts this month.

    Minimalism: Day Eleven - 11 items. Holey dog blanket, 7 more magazines and 3 old placemats.

    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
    • DawnW
    • By DawnW 11th May 18, 8:35 PM
    • 5,304 Posts
    • 41,988 Thanks
    DawnW
    Just back from a couple of days away, and need to sit down with receipts etc and update my spending diary and spreadsheet

    So, here is the damage in the categories I am concentrating on for this challenge:

    Groceries: £84.83 / £225
    Toiletries and cleaning
    £22.80 / £30
    Fuel £105.41 / £100
    Presents £0 / £0
    Pet Food / supplies
    £1.10 /£15

    I have already gone over target on fuel (understandable, as we went away for a few days in our camper van) and it looks as though I might on the Toiletries and Cleaning category (no idea why I overspend on this category - I am not a cleaning fanatic, and neither am I one to spend much on toiletries


    Managed a NSD today, only 2 / 19 so far though

    Grateful for some peaceful days away in lovely surroundings
    Last edited by DawnW; 11-05-2018 at 9:54 PM.

    • Kerry Woman
    • By Kerry Woman 11th May 18, 8:49 PM
    • 2,530 Posts
    • 24,809 Thanks
    Kerry Woman
    Hugs for those in need of them.
    NSD: 8/19 Was a spend day. Got a few bits on way home. This will be taken off my list of things to get tomorrow.
    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 my book and watched a couple of episodes of Murder She Wrote.
    Move: Walked around school doing errands.
    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. Have registered for charity walk in June. The bus on the way home will drop me off near the theatre, for the play in the afternoon.
    Grateful for:
    It being Friday.
    A relaxing bath.
    Using up more samples this evening.
    Having a nice chat with someone on the way home who I have not seen for quite a while.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    Nst november in new york NSD 8/20
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 11th May 18, 9:27 PM
    • 820 Posts
    • 5,106 Thanks
    swimminginaseaofdebt
    Evening everyone,

    Took the little one for a haircut today and he spent the whole time crying and thrashing about yet she was determined to get it done evenly (the hairdresser last time gave up!). Will add the cost to my social spends but next month I'm going to have a category for 'other' spending.

    Returned home to a letter from PRA group offering to settle a £3649.05 debt for £1277.17. Totally unexpected and although I was targeting another debt I am going to take them up on their offer. Now I don't have enough in my full and final fund to cover this and I don't want to break into my £1000 emergency fund so I am going to be naughty and borrow money from an account I have set up for my little one. Feel a little bad about this but the money is for when he is older and is wanting to buy a car/house/travel etc and he's only 2 so quite a bit away from all that and of course I will pay back what I take from him.

    • 12 NSDs - 6/12
    • Budgets - £250 food and £100 social - £96.99 food and £26.38 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 - £55.91 made to date
    • Continue building the full and final fund - £199.27 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, lunch with work colleagues on 23rd (just remembered!)
    • Read as much as possible - 1 book in progress, 3 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 11th May 18, 11:02 PM
    • 3,626 Posts
    • 18,924 Thanks
    x_raphael_xx
    Returned home to a letter from PRA group offering to settle a £3649.05 debt for £1277.17. Totally unexpected and although I was targeting another debt I am going to take them up on their offer. Now I don't have enough in my full and final fund to cover this and I don't want to break into my £1000 emergency fund so I am going to be naughty and borrow money from an account I have set up for my little one. Feel a little bad about this but the money is for when he is older and is wanting to buy a car/house/travel etc and he's only 2 so quite a bit away from all that and of course I will pay back what I take from him.
    Originally posted by swimminginaseaofdebt
    Don't feel guilty, this will be a big weight off for you.
    Like you say, you have plenty of time to repay, and being debt free earlier is the bigger win.

    xxxx
    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
    • sashanut
    • By sashanut 11th May 18, 11:47 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. Brushed all flaky paint off one wall but Sandtex looks like it got water in it, so then painted 2 sides of big shed. Looks much better. Now need to get bbq moved so I can get to the rest..if it stays dry that is.

    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. Another shop today from farm shop as friend round for lunch. Definitely not an NSD as did a quick sweep of 3 shops, plus hairdressing appt. Thankfully hairdresser has decided I don't need to go so often, and also tried to persuade me to go grey even though he only cuts my hair.


    Me time: look after yourself. Get enough sleep; eat well; move; do things you enjoy. Good nights sleep, eating not so good as fish & chip Friday, does that count as things you enjoy? Thought not

    Move: being active benefits your body and your mind. You know that. Now do it. Not much gardening movement but plenty of painting in the fresh air.

    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. Got reply from friend re collectables; need to send her some photos & she has a source that she can consult. Sadly also told me she is very unwell with heart trouble.


    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. Am going to do this so will post progress on here to keep me accountable. No progress today.

    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. Gratitudes for getting to the hairdresser & shops & back home for 11.30, must be a record; for DD having a nice night out with colleagues; for DH remembering to bring me out a glass of water; hearing from long time friend.

    NSD still 5/19 so far

    Check ins: 11/31

    Not done charity donation yet but will arrange asap. Need to do through euro account. Nope.
    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
    • bizzie
    • By bizzie 11th May 18, 11:59 PM
    • 192 Posts
    • 2,316 Thanks
    bizzie
    Small spend today. Grateful just making the midnight cut off check in
    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 :
    • misstara
    • By misstara 12th May 18, 7:43 AM
    • 2,921 Posts
    • 20,657 Thanks
    misstara
    For yesterday
    NSDs - still on 5/19
    Money - bought a new microwave using money from the emergency fund plus a small spend on food. Downloaded a budgeting app which I hope will help me
    Move - 10 mile walk, mostly along the beach
    Me time - reading
    Arm yourself - been able to complete lots of surveys this due to being on annual leave
    You - grateful for my walk, stuff growing in the garden and netflix
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £513.51 (77.7% paid)
    Car debt Nov 2017 £797.68 Now £767.31 (3.8% paid) + monthly payments £146.82 11/60
    Emergency fund - £50/£1000. Car fund - £37.12/£1000.
    Mini Targets in Octoberr
    Exercise target - 3/16. Groceries target £59.75/£200. NSD target 4/15.
    • greent
    • By greent 12th May 18, 7:56 AM
    • 7,522 Posts
    • 76,357 Thanks
    greent
    Day 11
    Hmm - late check in is becoming a habit!

    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: So cold and sleepy yesterday to the point of feeling unwell. didn't do much and went to bed before 9pm!
    Activation: What spurs you on? -
    Arm yourself :No 'things' purchase but did give in to takeaway - < £20 for 4, though.
    You. Appreciate what you have. Be grateful.
    * the opportunity to not have to do much yesterday
    * more line dried washing
    * snuggles with DS3
    Foodbank/ charity donation of £5. - monthly DD to WWT. 2 bags of items donated to shoebox appeal - new bag started 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 Few small extra payments made since

    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 - - late again

    NSDs - 5/19 - not one yesterday re takeaway....
    Will spend again today - need to get DS2's friend a bday present and card (I don't have a stash anymore, now that the kids are all getting older), Bestie's hubby a present (have a voucher I can use towards that, I think), my mum a bday card (may as well get it at same time) and we are off out for a curry tonight for bestie's hubby's bday. Hopefully any other spends this weekend should be food related. Oh - and I've just paid £17.50 for DS1's school yearbook!

    Probably won't make it back to check in again tonight, as we're out....
    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
    • crazy_cat_lady
    • By crazy_cat_lady 12th May 18, 9:33 AM
    • 4,126 Posts
    • 35,308 Thanks
    crazy_cat_lady
    Ccl - you have to pay for coffee at work?
    Originally posted by apple muncher
    It's not strictly speaking at work. There is a fantastic cafe in the community centre attached to the school, and they do lovely posh machine coffee for £1 a cup. So it was a large mocha rather than a coffee.

    Day of slob ahead for me. I've already done the first load of washing, washed the dishes, hoovered and popped into town to pick up a couple of parcels. Bestie will be round as usual later and I will be catching up on my crochet temperature blanket (I'm still in March )
    November in NY #20 NSD = 9 1 debt vs 100 days £328.51/£1685
    DFD #1: 6 Nov 15 - paid £28,447
    • f0xh0les
    • By f0xh0les 12th May 18, 5:32 PM
    • 1,876 Posts
    • 16,150 Thanks
    f0xh0les
    foxholes - your DS3 could do with popping round here, I have a 14 year old DD who loves nothing more than a massive row. This morning I stood on the black box attached to her laptop cable whilst stripping her bed, I asked her to tidy the laptop and cables away for the day and she went crazy and called me a complete bi**ch.
    Originally posted by dolly84
    Oooh 'eck! I'm glad DS3 is only 8. Not sure what I would do if he tried that line on me..... safe to say he would not be doing it anytime soon!

    I am always amazed at my patience while some tiny dictator is having a shouty ranty tantrum. Probably cos they are sooo bloomin' ridiculous. They do not appreciate being asked if they are grumpy because a) they are hungry, b) thirsty, c) need a nap, or d) need a poo.
    Well 16 yr old DS1 doesn't.

    Mind you he thinks I am the silliest thing this side of Narnia.
    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 12th May 18, 5:43 PM
    • 1,876 Posts
    • 16,150 Thanks
    f0xh0les

    Returned home to a letter from PRA group offering to settle a £3649.05 debt for £1277.17. Totally unexpected and although I was targeting another debt I am going to take them up on their offer. Now I don't have enough in my full and final fund to cover this and I don't want to break into my £1000 emergency fund so I am going to be naughty and borrow money from an account I have set up for my little one. Feel a little bad about this but the money is for when he is older and is wanting to buy a car/house/travel etc and he's only 2 so quite a bit away from all that and of course I will pay back what I take from him.
    Originally posted by swimminginaseaofdebt
    Nothing to feel bad about!! You are going to be debt free sooner, and you are not robbing him to buy a one way ticket to Rio. You will pay him back, while giving him the security the EF provides. Besides, you pay him back quicker cos he is your baby.
    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
    • Kerry Woman
    • By Kerry Woman 12th May 18, 6:16 PM
    • 2,530 Posts
    • 24,809 Thanks
    Kerry Woman
    NSD: 8/19 Was a spend day. Got food shopping and hairspray.
    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: Finished reading the novel.
    Move: Walking to and from bus stop to Mum's graveside and also Dad's house.
    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. Put bag into charity shop this morning.
    Grateful for:
    Having achieved quite a few things today.
    Found a bus stop near Dad's that will cut time to Mum's graveside.
    Not really caught out with the rain. Was drizzling.
    Having a good night sleep and getting a nap this afternoon.
    Last edited by Kerry Woman; 14-05-2018 at 7:36 PM.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    Nst november in new york NSD 8/20
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