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  • FIRST POST
    • apple muncher
    • By apple muncher 28th Apr 18, 3:41 PM
    • 7,921Posts
    • 60,000Thanks
    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 9
    • laurenh1
    • By laurenh1 7th May 18, 8:40 AM
    • 621 Posts
    • 6,786 Thanks
    laurenh1
    Good morning all,

    So still on NSD #2. Yesterday was a fail because I had to go back to Clark's AGAIN because my sons replacement shoes rubbed again. luckily this time the lady was fab & I really think these ones will be a much better fit. They were £2 more though .

    Did lots of baking yesterday & made some lovely treats . Used up my lemons & for lemon drizzle and made one for my friend. Left over chicken went into a stir-fry for tea!

    Local duck race later so walking there about 12 ish to make sure we get a good spot.

    I hope everyone is having a lovely weekend
    • dolly84
    • By dolly84 7th May 18, 8:47 AM
    • 4,071 Posts
    • 37,624 Thanks
    dolly84
    Dolly - take it a little easy please. Let your body recover a bit!
    Originally posted by apple muncher
    Thank you apple. It just doesn't seem to be in my nature though. I did go out cycling, I did a fairly short route but one which has a huge hill, I managed it but it was hard. A man cycling down it congratulated me and then a girl running towards it did the same, I mentioned to DH later that that wouldn't have happened to him and that people don't expect a woman to be able to do anything strenous.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • dolly84
    • By dolly84 7th May 18, 8:56 AM
    • 4,071 Posts
    • 37,624 Thanks
    dolly84
    sashanut - are you able to upload photos, I would love to see one of your kitten.

    Yesterday was spendy. DS wanted to light the chimenea and toast marshmallows so the kids and DH went to get some and also came back with dog chews and 3 packets of doritos so £4 spent there. However that pales into insignificance as I spent £23.45 on 4 BNWT bra's on ebay, 2 pairs of knickers (2 bras were red and I had no red knickers and I like to match) £11 there, a pair of shorts for £8 (again BNWT but half the price of buying from the actual shop), a bottle of salicylic acid for £6.30 and a tub of nutritional yeast £2.45. Oh dear.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • apple muncher
    • By apple muncher 7th May 18, 9:05 AM
    • 7,921 Posts
    • 60,000 Thanks
    apple muncher
    Dolly - I'm not v good at taking it easy either. My hands are really feeble at the mo, so I still did my kettlebell workout this morning, but conceded droppping down to the 8k bell instead of using the 12k one for some of it. At least doing that meant that I was less likely to drop it!
    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
    • Robi90
    • By Robi90 7th May 18, 9:24 AM
    • 57 Posts
    • 274 Thanks
    Robi90
    Last few days have been quite spendy so I'm still on 1 NSD

    Going to eat with some friends later but i have chosen somewhere relatively cheap.

    Will spend the day having some "me time" in the park reading my book.

    Hope everyone is having a lovely Bank Holiday so far.

    I'm grateful for sunny days, time off work to rest and opportunities to spend time with friends.

    1 debt vs 100 days chapter 30
    Pay ALL your debt off by Cmas 2018

    £799 -Personal Loan
    £500/ £500 FD Overdraft
    £1,709.63/£5700 MBNA credit card
    • Kerry Woman
    • By Kerry Woman 7th May 18, 6:40 PM
    • 2,529 Posts
    • 24,796 Thanks
    Kerry Woman
    NSD: 5/19 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. Did not give in to buying something eco friendly online.
    Money: The budget for each category is done.
    Me time: Just read 2 of my books, wordsearch and mindfulness colouring. Had finished reading the third book last night - need to put things into practice.
    Move: Did not do much walking only to and from bus stop whilst I went to visit friend.
    Activation: This thread at the moment.
    Arm yourself: Will have to stand strong in my quest against consumerism and acquiring more. Still doing this. Kept this under control today.
    Donation to charity: Done for the month.
    You.
    Grateful for:
    Having some rest today.
    Spent a few hours around friend's.
    A chilled out day.
    It being bank holiday Monday.
    Managing to find things to put into a bag for a charity shop.
    Last edited by Kerry Woman; 07-05-2018 at 6:55 PM.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    Nst november in new york NSD 8/20
    • mothernerd
    • By mothernerd 7th May 18, 6:56 PM
    • 2,582 Posts
    • 27,233 Thanks
    mothernerd
    Sorry for my absence - the laptop had a mini meltdown and when I got back on I was locked out of everything - email, pinterest, forum and some very peculiar things suggested by utoob. Had to find the code book and then log back in (still not tried a SM shop). Also my earlier bedtime and limiting screen time isn't helping with being here.

    Washing line has been knotted back together again but am using garden chairs and the waterbutt for the heavier items (will replace the line when I find someone selling the proper thick ones, preferably with a wire inner).

    Gave the washing machine a trial run, it worked but leaked a bit. Fully unscrewed the filter and declogged it. put it back and finished with pliers. Working fine now. Have dealt with the mini flood - sunshine did some of it. Lots of washing done - have changed the sheets several times as it is so hot and they get sticky.

    Old bedcover has had its day. I did try to repair it when I was convalescing 3 years ago but it wasn't working so decided to use it as long as I could. The silk side is all gone, the middle layer is coming off / gone into hard lumps. It's finally lost all its softness, but have worked out that it is at least 15 years old and its got me through winter (as an addition to the duvet) so will let it go. One of the pillow cases has ripped across but it was one of my grandma's and she's been dead for 38 years so that can go too.

    Started again on the craft pile. Did the 'toolbox' first - it fell off the drawers one night last week so have once again sorted all the pens, scissors, brushes, tapes, sticky fixers, glue sticks and other assorted bits. Then I sorted 'paper bits' into sheets to use, templates, larger templates, ideas, pictures and cut out bits (toppers mainly but some need additional embellishment). Found boxes to hold pots of buttons, embroidery stuff then separated again when I found moreplus sequins, 'gems' (too fiddley for most of the craft club, so I am using them by making them into small animals/ flowers etc).

    Went through about 4 more trays (due to previous sorting I seem to have lots of trays with only a small amount of stuff on each) and 2 bags (the one I took to crafts last week and one from a while ago). Used a roll of wrapping paper, a brush and various parts of my anatomy to clear out under the drawers, the space between the drawers and the bed and whatever other bits I could reach.

    Finally cleared a space across my bed, got to the window and opened it and sprayed anti-mould on parts of it (don't want to bleach the curtains and when it gets dark enough to need the light on I would be visible to everyone on the carpark if I pull the curtain all the way back).

    Lots of recycling and washing up done, cooking has been mainly using up odds and ends from the freezer. Today I have done a proper shop at Icyland so it's a spendy day but not adding to my total as mum owes me for items bought in the last two weeks so she paid for the whole bill - got everything on her list and mine (plus DS3's suggestions).

    I will be working into the night as I need to have this craft stuff nailed down. The end is in sight but it is so easy to start hunting for particular items then a tray gets dislodged and it's back to square one. I have narrowed down my list to 6-7 items we can be working on over the next two months, mostly using the same basic components. I will set aside a small box for stray Christmas and halloween items, make up a Spring/easter section and may do a bit more prep when I have time. Bought another roll of labels to bag bits and label them (so the original roll should appear anytime now).

    My elephant for the rest of the month will be to make it so that I can walk from the front door to the back without having to step over/ go round anything. Should be simple but I counted 11 bags (some empty but mostly not) between the front door and the door from the living room to the stairs/ kitchen). The parcel with the small cube shelves in it has been treated as a 'hall table' - all DS2's letters are on it and the roomba was there for a while (it's supposed to live under their bed when it's not being used).

    This week's paper task is to do homework for Thursday's appointment with the therapist.

    Today I am grateful for my washing machine continuing to function (and all the other gadgets I need - must look for my can opener again, beloved's is useless on some cans), for the sunshine and the heat, for hot baths and cool sheets, for having 'enough', for getting better at letting go of things instead of trying to repair them when thay have reached hte end of their life (or putting them 'away' with the intention of trying to repair them at some unspecified future date), for charity shops and bargain shops and shops that deliver, for empty coathangers (I have a cunning plan), for being able to sort a few small areas of my life out, for good escapist reads.

    Counted all the coins i have found whilst trawling through the other stuff and so far it's £20.17
    Last edited by mothernerd; 07-05-2018 at 6:59 PM.
    This year I will be fierce
    NST Nov #1 SFD 7/20 Food£59.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
    • apple muncher
    • By apple muncher 7th May 18, 7:59 PM
    • 7,921 Posts
    • 60,000 Thanks
    apple muncher
    Today I am grateful for the warmth, for a walk with dd, for my bone broth, for a book to enjoy in the sunshine, for dd and the local kids having a fun water fight, for a day off work, for clean bed linen, for having plenty.
    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
    • bizzie
    • By bizzie 7th May 18, 9:36 PM
    • 192 Posts
    • 2,316 Thanks
    bizzie
    Another quiet day at home. No spends so now #5/19.
    Grateful for having a garden to sit in, drying washing outside and spending time with family.
    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 :
    • crazy_cat_lady
    • By crazy_cat_lady 7th May 18, 9:48 PM
    • 4,120 Posts
    • 35,286 Thanks
    crazy_cat_lady
    I managed a nsd
    I was tempted to go spending but have managed to talk myself out of it, and am proud of myself for that. Was fed for free at bestie's house for a BBQ, and have spent the rest of the day relaxing and getting ready to go back to work tomorrow.
    Spoke to my husband who is being greeted with the reality of looking after himself and realising what he lost (all a bit too late).
    Kids are all ready for school, and I am hoping for a good night's sleep so I can get a good first day back tomorrow.
    November in NY #20 NSD = 8 1 debt vs 100 days £328.51/£1685
    DFD #1: 6 Nov 15 - paid £28,447
    • LavenderBee
    • By LavenderBee 7th May 18, 10:09 PM
    • 304 Posts
    • 1,553 Thanks
    LavenderBee
    Oh lawks, I don't think I've checked in for about 5 days... I've skimmed through 5 days of posts *looks embarrassed*

    I can't remember if it was Dolly or Raphael with concerns about stress fractures from running. I had a similar concern last year; it was a very sharp pain in a specific area and it came on rather quickly in each run. It stopped me lifting as well (so quite a serious issue!). I asked a friend who runs ultras about it all and realised that my trusty trainers had probably done about 5 times the suggested mileage. I got a new pair (bearing in mind my previous, previous pair had also probably done 3-4 times the suggested mileage) and was fine; I suspect if I'd tried to carry on any longer I would have ended up with a stress fracture. I did wear the old one pair one last time last year as they were proper trail runners and I went for a half marathon distance cross country uphill (not a race, just hubby and I killing time one morning!) and I didn't want to risk slipping. They were OK for that, just, but I did get rid of them after to remove temptation. As it was it turned out it I was preggo at the time, my hips fell out immediately and that also removed temptation. That's a really long story, but the moral of it is, when did you last replace your running shoes?

    Oh and Dolly, I very much enjoy overtaking cyclists going uphill when running - it makes my day! I'm actually an endurance weightlifter rather than a runner and enjoy lifting what the blokes do, because I'm a girl and I wear pink . I know it's totally stupid but whatever keeps you motivated, go for it

    Back to budgets -
    Groceries: 127/200 - this looks terrible, this month it included all my maternity toiletry items (if you get what I mean!), batch cook ingredients and some more 'prepared' ingredients rather than the bare ingredients I usually buy as my back is getting worse. Basically gives c.£25 per week, next week's shopping list comes to £6 so I'm not overly concerned
    Personal: 0/22.04
    Diesel: 30/30 - gotta last the month!
    NSDs: 4/19 - cross about this, I had a big shop delivered, the day before I went to a different shop and bought the bits that the online supermarket said they didn't have. Delivery turns up minus all the important bits, with impossible substitutions! Ended up going to a third supermarket the following morning... I do online shopping because walking round shops is painful, ended up doing more than if I'd just sucked it up and done one big shop and made my own choices.

    Grateful for:
    Hubby is safely home after a month away
    Hubby being home when I had the worst day with my back and hips I've had in my pregnancy
    The NHS
    A 'personalised growth chart' for my baby bump showing that I am not "measuring small", I am just "measuring small" because I am small! I love common sense
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 7th May 18, 10:14 PM
    • 820 Posts
    • 5,105 Thanks
    swimminginaseaofdebt
    • 12 NSDs - 4/12
    • 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 - £46.69 made to date
    • Continue building the full and final fund - £32.93 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 - 2 books finished
    • Finish my final OU essay for this module
    SPC11 #564 - £186.83
    SPC12 #564 - In Progress
    • sashanut
    • By sashanut 7th May 18, 11:44 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. Went outside after it cooled off & had a G&T ice pop with DD after she returned from Manc. Made a start on clearing out the lodge in the fenced garden with a view to having a bbq in there, tomorrow if the weather holds. Then did a little gardening, after that had to go in early to make supper in the kitchen but luckily had prepped most of it beforehand as it's like a furnace in there..

    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 one grocery shop, have receipt for that to hand. Grocery bill so far £25.43. Just cat litter & a couple of other things today, need receipt from DH. No groceries today, but will be shopping tomorrow.

    Me time: look after yourself. Get enough sleep; eat well; move; do things you enjoy. Really bad nights sleep, first one for ages since starting drinking sleepy tea. It seemed so light, all night really. Anyhow, still had a reasonable day & got self showered washed hair & perfume at least on.

    Move: being active benefits your body and your mind. You know that. Now do it. Not a lot of moving today as too hot.

    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. Took stuff out of lodge outside, also put away some things in DDs room that have been in boxes for ages, now in up cupboards in (DHs fave) plastic containers.

    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. Today DD asked me why I didn't get someone in to do the work, such as painting, gardening etc..after thinking about it, you know I am practical & like doing those things, and really I would rather spend the cash on other more interesting stuff than casual labour. No doubt I will have to eventually, but not yet awhile.

    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 sitting in the garden with an ice pop, new dish turning out OK for supper, for garden looking better, for lovely space in lodge, for birdsong, for not having to get up today until 9.40am

    NSD s 4/19 so far

    Check ins: 7/31

    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

    Dolly I have never posted a photo, but will have a crack at it if anyone has instructions please?
    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 7th May 18, 11:49 PM
    • 564 Posts
    • 4,640 Thanks
    Puddleglum
    Still on 4 NSD as I pulled off the motorway and bought a drink this afternoon. It was so hot!

    The three ripe and ready avocados I bought yesterday turned out to be anything but and I've stupidly wasted one by cutting it open. Will try and persuade it to ripen by leaving it in the sun tomorrow but don't hold out much hope for it.

    £2 has gone on my first charity donation. More knitting has been done and I've started the 4 week detox diet. 2 days without coffee down, 27 more to go.

    Hope everyone is enjoying the weather.
    "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).
    • greent
    • By greent 8th May 18, 10:08 AM
    • 7,518 Posts
    • 76,300 Thanks
    greent
    Day 7 (a bit late - oops)
    Motivation: fun day - would like more of those!
    Money: Went to SLimbridge WWT as a last minute change of plan. We're members, so it didn't cost anything. Took drinks and snacks and boys declined ice creams! Fun morning Took sister her bday present in afternoon and popped into Morries and scored loads of fab YS items (such as ready meals for 9p! - too good an opportunity to decline - handy for DS1 for busy evenings)
    Move: 20 mins on cross trainer in morning, lots of walking at WWT and then 30 min walk last night with OH along canal path.

    Activation: What spurs you on? -
    Arm yourself nly spending was YS items and a 4pt of milk
    You. Appreciate what you have. Be grateful.
    * fun in the sun at a local-ish attraction with the smallest 2 - and for free!
    * beautiful weather
    * line dried washing
    * living close to the pretty canal path

    Foodbank/ charity donation of £5. - monthly DD to WWT. 2 bags of items donated to shoebox appeal - new bag started today

    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 - even if a bit late!

    NSDs - 3/19
    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
    • maitlah
    • By maitlah 8th May 18, 10:13 AM
    • 11 Posts
    • 102 Thanks
    maitlah
    Days 5-7
    Morning all

    I've just realised that I haven't posted all weekend. The weather was just so good we were out pretty much all weekend.
    Money: Spent a little more than planned as we were invited to a couple of BBQ's at the last minute. We didn't have anything in we could bring over so had to pop to the shops. Plus we bought ice creams at the harbour yesterday. Managed to tie a few planned spends in though to minimise the damage - tall one got his hair cut and I ordered a new dress for a few events we have over the summer. I was going to wait until later in the month but since Sunday was an unexpected spend day, I figured it made sense just to order it then.
    Me time: two lie-in mornings, two days out in the sunshine, refused to let work stress me out too much, read 3 chapters of my book!
    Move: Did an at home workout on Friday, played a little bit of badminton on Sunday and went for a 10km walk along the cliffs yesterday.
    Arm yourself: When walking yesterday we went to the harbour where there were hundreds of cute little eateries and bars. I could very easily have blown our entire budget on fresh seafood and cocktails but as the tall one reminded me, we had a BBQ with friends planned when we got back so no need for a big lunch, we settled for the most amazing gelato instead. £6.00 for two cones instead of £40 on a lunch we didn't need, I was pretty happy with that.
    You. I am grateful for the tall one taking our savings goals as seriously as me (moreso sometimes), for good friends, for being able to swap duties so I could spend time with my family over the weekend, for having yesterday off to enjoy the sun, and for good food.

    NSDs 3/19
    Check ins: 5/31

    My plan for today is to list some bits and pieces we're getting rid of on some selling sites, get a few more surveys done, check our accounts for any errant DD's (found a £15pm magazine subscription last week that I've used maybe twice in the year I've had it, completely forgotten about and comes out right in the middle of the month when I'm less diligent about checking everything), and do some flat tidying.
    I hope everyone had a good bank holiday weekend.

    Mx
    • dolly84
    • By dolly84 8th May 18, 10:51 AM
    • 4,071 Posts
    • 37,624 Thanks
    dolly84
    sashanut - I've used Photobucket in the past, you have to register but it is just an email and password then the rest must be pretty simple if I managed to do it.

    puddlegum - what does your detox involve? Are you suffering with headaches from coming off caffeine? I really want to stop drinking coffee due to the headaches it gives me but from what I understand you get about 6 days of really bad ones when stopping it.

    greent - I love the canals too, an amazing job has been done restoring them for leisure use since their decline.

    All back at work and school now so no spending today I hope. I have been cycling this morning and am all showered and wearing a floaty top whilst the sun is still shining - simple pleasures.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • LavenderBee
    • By LavenderBee 8th May 18, 12:52 PM
    • 304 Posts
    • 1,553 Thanks
    LavenderBee
    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.
    • Kerry Woman
    • By Kerry Woman 8th May 18, 7:08 PM
    • 2,529 Posts
    • 24,796 Thanks
    Kerry Woman
    NSD: 6/19 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 work this morning.
    Activation: This thread at the moment.
    Arm yourself: Will have to stand strong in my quest against consumerism and acquiring more. Still doing this. Did not enter a charity walk today until I get more details, as it is on the same day as I am going to the local theatre.
    Donation to charity: Done for the month. Bag of items put aside for charity shop.
    You.
    Grateful for:
    Lovely weather.
    Good bus connections.
    Achieving what I could in work.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    Nst november in new york NSD 8/20
    • apple muncher
    • By apple muncher 8th May 18, 8:26 PM
    • 7,921 Posts
    • 60,000 Thanks
    apple muncher
    Today I am grateful for a good session with my cousellor, for plenty of walking, for sainz actually stocking the gen1us bread today, for getting loads of veggies in aldi, and for being served by my neighbour, for dd surviving school, for a good book to read, for dh doing a tip run, for my apricoty lemony gf df vegan no-cook thingies tasting fine, for a piece of work only taking me 15 mins to sort.
    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
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