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  • FIRST POST
    • greent
    • By greent 30th Jun 18, 10:17 AM
    • 7,154Posts
    • 72,838Thanks
    greent
    NST 07/2018 - Survive July!
    • #1
    • 30th Jun 18, 10:17 AM
    NST 07/2018 - Survive July! 30th Jun 18 at 10:17 AM
    • The challenge runs from 1st - 31st July 2018
    • NSDs - if you like to monitor NSDs, choose either the gentler target of 13 or the stretching target of 20 - or set your own somewhere in between! Usual exceptions (fuel, YS items, medical (inc for animals!) etc) apply
    • Remember others - donate money/ items/ time to a charity of your choice. Helping at PTA events comes under this! As do Random Acts of Kindness (RAOKs)
      Pay to your debts or savings FIRST and live off the rest

    • Set your budgets
    • Use things up - not just food in cupboards & freezer, but toiletries and excess cleaning products etc - share your wins! Using something up instead of buying something else is
    • Revisit those targets you set back in January. We are halfway through the year !!!8211; how are you doing? - do you need to tweak things to stay/ get back on track or set some new targets/ aims?
    • Vacation time !!!8211; school hols have started for those in Scotland, I believe. For England & Wales the school hols will start this month. Budget accordingly - what free or low cost things can you find to do? - especially for any rainy times. Maybe check local faceb00k pages for details of what!!!8217;s on and any offers. And for those with no bother for school holiday periods, they may be planning their Summer getaways or days out. Make the most of any memberships you have (you've already paid for them, after all! ) and any vouchers you can find. Gr0up0n sometimes has good deals for different things to do - check the local page for anywhere you plan on visiting to see if there are deals on local attractions/ restaurants.
    • Inspire others - share your ideas on here of things to do with kids/ how to keep holiday costs down/ what things you!!!8217;ve used up (especially if you!!!8217;ve used them as a substitute for something)
    • Value for money -research for any planned (or unexpected ) spends. Don't forget cashback sites for purchases. Often banks seem to have offers you can activate for cashback on debit card purchases - if you're going to spend then getting some money back is a bonus!
    • Every day - check in and also remember your daily gratitudes.


    • Jump - or run, garden, swim, walk !!!8211; we all know that being active is good for us - ideally 3 or more sessions a week. Take care in warm weather and stay hydrated.
    • Unless budgeted, no takeaways, coffee shops, lunches out etc. Picnics for days out are great - maybe have a budget for ice creams and extra drinks for the way home. Social plans are hopefully already thought of (birthday meals/ takeaways/ night in pub for football etc) and can be budgeted accordingly
    • Lose the excess. Most of us have too much stuff. Declutter. Use things up. Donate to a worthwhile cause. Sell books/ CDs/ old games on Z1ff1t/ Mus1c Magp1e (not forgetting to go through a cashback site first) Sell on flebay/ gumtree/ faceb00k/ car boot sale - any money made can either be put towards debt/ savings or maybe summer treats (you all know your own situations and what would work for you) If there's excess weight, maybe jump/ run/ walk a little more and be mindful of what you are eating. Perhaps keep track on here of items/ lbs lost and s made
    • Yearly plans -we are halfway through 2018. If you haven't planned on how to finance Christmas/ birthdays in the second half of the year/ DIY things which need doing (we keep an ongoing list of large and small jobs and try to knock something off it each month)/ any holiday plans you may have - NOW is the time to think about this. Perhaps draw up a list of birthdays between now and January and also a Xmas list and keep an eye out for items/ put money aside monthly. Don't forget yourself -make a list of what you!!!8217;d like for Xmas and then you'll be prepared when asked!

    So come along for the journey, Turtles - let's encourage one another to not just survive July, but to enjoy it as well! xx
    Last edited by greent; 02-07-2018 at 3:58 PM.
    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) 2772.47/4000
    Net sales 2018 558.92/1000 PAYDOX18 (#15) Done 18918.90
Page 10
    • crazy_cat_lady
    • By crazy_cat_lady 8th Jul 18, 7:19 PM
    • 3,612 Posts
    • 30,972 Thanks
    crazy_cat_lady
    Hey everyone
    I'm finally emerging from 6 weeks of 15 hour days, hopefully a bit richer soon, but very very tired. Sorry I disappeared at the end of June, but work plus marking just made it too difficult for me to get on here. It was literally work, sleep and very little else. Kind of weird, and more busy than usual this year. I haven't been paid for any of it just yet but I'm really hoping that my money starts rolling in soon.
    I'm still running up debt. The divorce is ongoing, and I have an appointment about a mortgage in a couple of weeks, but I've still been paying ex's rent at his new place as I don't want him back home. It will all be deducted from his share of the financial settlement once we get there. I'm quite down about the whole financial situation - adjusting to just my salary, and also paying solicitors, his rent etc. I will get there but it's hard at the moment, and I get upset if I think too much about it all. However, I have now done all of my marking so I will start looking at it soon and getting things there moving again (as best as I can anyway).
    I will tag along with the July challenge as best as I can, if you don't mind me coming here over a week late - I have to do something rather than just sticking my head in the sand.
    Mothernerd - I hope that you are doing ok and not pushing yourself too hard.
    June Odessy NSD 6/10 DFD 6 Nov 15 - paid 28,447
    • apple muncher
    • By apple muncher 8th Jul 18, 8:10 PM
    • 7,479 Posts
    • 56,341 Thanks
    apple muncher
    Hi plumduff55! That's some challenge you've set yourself. Welcome to the turtles.

    Today I am grateful for a fair night's sleep, for dd loving kids klub, for sardines on toast, for dd happily digging up part of the garden and then planting some seeds and doing the labels herself, for finding presents for colleagues from things I already had in or had made, for how good I felt after my workout, for seeing the end of the Tour stage, for a catch up with big sis.
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: 2334; 2
    018 sell 49.10; WLOSW /10

    Mortgage 20,809 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • plumduff55
    • By plumduff55 8th Jul 18, 8:46 PM
    • 392 Posts
    • 3,209 Thanks
    plumduff55
    Thanks for the welcome Apple muncher. I'm usually a lurker but when I saw this challenge I just had to join

    This is NSD 6/20 for me. The two spend days I had were:
    Monday 2nd -
    Tea and cake at Dobbies 4.25.
    Elastoplast and dressing from HB 1.58
    Milk & bread 2
    TOTAL 7.83

    Saturday 7th
    Bread, milk & eggs from Tesco 3.19
    TV Choice 57p
    TOTAL 3.76

    I didn't buy a tv paper last week and really missed it so it's worth the 57p. I read on another thread a tip about buying blue top milk and diluting it with water to make it last longer. I've never done this before but it's actually ok and I can't tell the difference.

    Today I used plain flour and tinned peaches both with best before dates from 2017. Both tasted ok and so far I'm still here to tell the tale I freeze all my flour for a couple of days before storing as my cupboards were infested by weevils a few years ago and NEVER AGAIN !!!

    Hoping to keep my purse tightly closed for a few more days xx
    Debt free - Mortgage free - Work free ( in that order )

    NSDs JULY 17/20 SPENDS 33.25/50
    • mothernerd
    • By mothernerd 8th Jul 18, 9:29 PM
    • 2,462 Posts
    • 25,740 Thanks
    mothernerd
    Lovely day out at the Pontefract liquorice festival. Took out own lunch but had carrot cake and a drink in a cafe (needed toilets) and went in a pub just before coming home - noisy but cool and dark. Just had one soft drink each and then I had a pint of Guiness shandy. This may make me ill tomorrow (it's the lemonade I'm not allowed) but was absolutely delicious.


    Bought quite a few things (jam with gin in it for my future d-i-l, sugar free sweets for DS3 and an air ambulance fridge magnet for a helicopter mad 2 yo we know, but mum insisted on reimbursing me every time I spent money. So my spend total is 26 for super healthy salad, yoghurts and food to get me through the next few days (bought from Tosco just before getting on the coach).


    Best of all, I got to hold an owl and stroke it. I have a bit of a thing about owls. I have taken down details of sanctuaries where you can interact with birds of prey but they were all too far off the beaten track for me.



    Mum and I were sitting with a woman on a bench and her d-i-l came back and said she had had her photo taken with an owl. Mum had already said I could wander round if I wanted (my right arm is still quite painful - think I may need to put it in a sling for support until it strengthens again) so I set off to find the owls.


    There were four owls (little, long-eared, barn and huge), a peregrine falcon and think the last one was a hawk, all sitting on perches with water nearby. A couple got a bit agitated, think the crowd noise went up a bit. A small boy was having his photo taken with the barn owl then the woman asked if anyone wanted to hold one of the owls or have a photo taken (they weren't charging but had a donation box for those who wanted to contribute) and I said "Oh yes please".



    She sent me over to the far side of the tent, they only had one exit/access point, and was gloved up and then they brought my owl out to me. I talked to him and stroked his head but the man told me they really like having their tummies stroked so I did that. Think I walked about six inches off the ground for ages afterwards.


    It was so hot (we did find a bench with some shade and a cool breeze) that I think nearly all our party were waiting when our coach came to collect us (on Liquorice Way facing the harry-bow shop). The driver was supposed to drop us at the racecourse to catch a shuttle bus into town but as we had one wheelchair user, 3 walkers, 2 totally blind people and various partially sighted/ sticks/ crutches etc I think he was justified in bending the rules.


    Today I am grateful for a lovely day, sunshine and shade, beautiful owls, less pain and good healthy food.
    This year I will be fierce
    NST Jul #10 SFD 6 /13 Food 100.54/150 Travel 17.60/15 Ent/diy 6/30
    No Debt No mortgage
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 8th Jul 18, 9:48 PM
    • 774 Posts
    • 4,675 Thanks
    swimminginaseaofdebt
    Evening everyone,

    Day 8 update:
    • Remember others - will buy gifts for charity for Christmas - bought razors to add to boy gift (aged 13-16 or 16+)
    • Budgets - 200 food/other spends and 100 social spends - 86.35 food/other spends and 36.49 social spends
    • Use things up - will do! - read a library book
    • Check in every day - will try my best - 7/31
    • Jump - will walk as much as I can - walked to the supermarket and back then to my mums
    • Add to my EF - 10.76 added
    • Continue batch cooking for the little one - made 3 portions of lentil curry
    • Read as many books as possible - 1 book in progress, 1 book completed
    Last edited by swimminginaseaofdebt; 08-07-2018 at 10:25 PM.
    Pay all debt off by Christmas 2018 #150 - 895.62/2018
    SPC11 #564
    • Debtfreewannabme
    • By Debtfreewannabme 8th Jul 18, 9:50 PM
    • 107 Posts
    • 808 Thanks
    Debtfreewannabme
    Hello can I join in please.
    I am planning to have atleast 13 NSD for the rest of the month.
    Budgets have been set and we are on track with all our savings.
    Looking forward to reading all your tips and being inspired. X
    I am now debt free - 20/03/18. Whatever your situation - just.keep.going!
    EF 1000/1000 goal
    CHILDCARE Savings goal 600/600
    EF 3 month goal 3,500/3,500
    HOUSE DEPOSIT 0/20,000
    • sashanut
    • By sashanut 8th Jul 18, 11:38 PM
    • 2,872 Posts
    • 26,608 Thanks
    sashanut
    No 12 checking in
    Hi all


    Will try for 13 NSDs & hope to get nearer to 20....now 5/13

    Set your budgets not yet done
    Use Most definitely want to do this; have a mountain of food & stuff to clear. Have been sorting but it is a big task, not made easier by being unwell for the past few days & find the hot weather difficult especially when unwell. Will record progress on here to call me to account. Must view house as massive shop full of items which can be (mostly) sold. Have already discovered loads of clothes etc than I can either wear or sell. Also have makeup & toiletries, need not buy any of those either..still a bit poorly but managed to wash & iron some clothes & list a few on FB selling sites. One sold straight away but they've not paid yet, if the others don't go I will list on ebay..looks like all 3 people who expressed interest paid up, so 3 items sold..will post them out tomorrow & list more. Posted out 3 items today, plus one for DD. Didn't list any more today, but DH liberated some more boxes from large shed, so have more to trawl through tomorrow. Not actually listed any more but spent a very hot hour this morning in the 'big shed' so called because it's like 2 sheds stuck together. Trawled through quite a few boxes & found more carp to sell, but first it has to be washed. Did 2 wash loads & will start listing tomorrow, as I caught sight of the boxes in the double garage...lots and lots.. Did iron a lot of the clothes; not such a good idea in this heat, was absolutely not the day to do this. no listing either as DD then got up from night shift & wanted to go - you guessed it - shopping...Ironed more stuff today & took photos so can list asap. Just need to pitch the price right so they sell right away on FB selling pages, as otherwise they slip down the listings so fast; now you can't refresh the listing but have to re-post...gah! Finally forced myself to list the items & got in a fluster as people were trying to buy whilst I was still trying to list...aargh!! Still looks like I sold a fair few items, will tot up & add to total tomorrow. Big incentive to list more stuff - of which we have plenty..


    Revisit Targets were like other peoples I think, to lose weigh (not really); to declutter - some progress; to stop wasting money - also some progress there..will list any weight losses/stuff leaving the house/money gained by selling...when it happens.. Still 44.26 so far..plus 5 voucher for doing a survey; 49.26 Another 3 voucher today: still 52.26. Have more to add, just need to total up.

    Vacation Have already booked to go to Ireland for 3 weeks from July; aim to sell some stuff to pay for spends over there. Will also be planning some days out & at least another visit to the Old Country later in the year, probably 2. Have found more stuff especially shoes to go. Must ramp this up as go away 3 weeks today...clock is ticking..have found many items to take with us and many to sell..started selling & will group items to take together, have made a list.

    Value Always do try to use cashback sites where possible, and find value for money in shopping. Also have a card which gives me vouchers; and do some work which pays in vouchers too. Use cheaper supermarkets & have HB & Fultons here as well, which are both good for some stuff. DH & DD went shopping & PO, big mistake as DD brought back 2 extra large chickens she got for only 2.50 each, very pleased with her bargains bless her.....Just what I needed more food to be used right away... Cooked one, need to think of what to do with the other ( no room in freezers) PDQ! DH renegotiated BB deal with Virgin yesterday, they assured him deal would still be available today. Took 45 mins of argument, ask to speak to a manager, etc etc before they agreed to honour it...no wonder folk give up in disgust. Should save us 300 per year..no shopping today of any kind thankfully, value or otherwise..shopping today & stocked up with some things that were on offer..that's my excuse. No shopping today again & ate leftovers, much easier when just the 2 of us involved..

    Every Checking in 8/31

    Gratitudes: finally seeing some progress in clearing; some fb sales; happy kittens antics; finding long lost items..


    Jump No jumping here either but in the garden every day when possible. Do try to drink water but struggle with this. Been in the garden early & tonight, done watering..and a little tidying up.


    Unless budgeted, no takeaways, coffee shops, lunches out etc. Nope.

    Perhaps keep track on here of items/ lbs lost and s made:
    So far have put on a pound in weight & made 52.26 - more to come.

    Yearly we are halfway through 2018. Good idea, will have a big list of outside jobs that need doing/big/small & in between. Making big list this weekend; also one of items to take to Ireland with us; menu planning; will be a very listy weekend. Did a bit of the Irish list.

    hope you soon feel better mothernerd & indigo..

    Go turtles!
    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
    • f0xh0les
    • By f0xh0les 9th Jul 18, 7:55 AM
    • 1,549 Posts
    • 12,809 Thanks
    f0xh0les
    Today should be NSD5

    Painting skirting boards (groundhog day?) and sorting more stuff that was put into boxes as I cleared the other bits of the house and now I am left with cardboard boxes of 'bits of ends of things' and other general nonsense. All the small tat that takes ages and robs your will to continue. So I will do a bit until I lose all motivation and then I can read my book for a while.

    Will be glued to the radio all day as the Brexit ministers' resignation repercussions play out. --
    edited to make it simpler as my dodgy multiple plural possessive was annoying me.
    Last edited by f0xh0les; 09-07-2018 at 8:01 AM.
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99
    July 105,300.00
    NEXT GOAL is sub 105k before JulyMortgage-free wannabe 2018 #65
    • laurenh1
    • By laurenh1 9th Jul 18, 8:01 AM
    • 518 Posts
    • 5,521 Thanks
    laurenh1
    Good morning lovely Turtles



    Crazy cat lady sending you big hugs



    Today is NSD #4. 90 left in the budget as I needed swim nappies yesterday & I bought a couple of Xmas gifts. Put my name down for a days overtime Friday & I will put all this towards Xmas too. Any extra money now needs to go to ; Xmas , Lapland UK & our car. This is our mission now until December I simply cannot do it all in 1 month & I will not get in debt for it: preparation is key !!


    Donated a box of crackers to the local food bank when I was in Tesco. I will try & pick something up & put it in every time I go. I know crackers are an odd choice but I know some of the people that use them have young kids & these are my kids favourite snacks & they helped me chose.


    Off to play group this morning & later I'm going to take my kids to our local nature reserve.



    Have a brill Monday all
    • dolly84
    • By dolly84 9th Jul 18, 9:32 AM
    • 3,907 Posts
    • 36,210 Thanks
    dolly84
    Welcome Plumduff, welcome back CCL.


    Cycled yesterday and will run today. Did a lot of heavy duty cutting back in the garden yesterday and DH took it to the tip, it looks much lighter but still needs a ot more doing.


    Made a thai curry yesterday with tofu and will use the rest of the tofu today in a sweet chilli sauce with rice and stir fry veg. Am going to bake bread today and also a batch of vegan peanut butter and dark chocolate muffins.
    Total Debt 01/14 13043.00, now 0 debt free date Dec 2016, actually July 2016.
    • DawnW
    • By DawnW 9th Jul 18, 10:11 AM
    • 5,107 Posts
    • 40,385 Thanks
    DawnW
    Dolly84, would you be able to share (or share a link to) your vegan peanut butter and dark chocolate muffins please? They sound delicious!


    Updated signature with weekend spends, milk bill etc
    Did a bit of weeding and clearing in the garden this morning before it got too hot again. Thinned the apples a bit - too many on young dwarf trees. Netted the blueberries. Picked a bowlful of cherries, a few raspberries and cut a couple of bright red gladioli to brighten up the lounge


    Hoping for a NSD, which will be easily managed unless OH decides there is something he can't live without!
    July NSDs - 6 / 13
    Groceries, toiletries, cleaning supplies and pet supplies - 195.07 / 250.00
    • Debtfreewannabme
    • By Debtfreewannabme 9th Jul 18, 11:37 AM
    • 107 Posts
    • 808 Thanks
    Debtfreewannabme
    NSD planned for today. Made some soup to use up veggies and have meal planned for the next 4 days using things from fridge freezer and cupboards.
    Did a top up shop in Aldi yesterday - milk, bread and fruit and spent 14.

    Have made a plan to put any savings from budgets into EF and house fund.

    Last night we made sure all 8 instant savings accounts had the right amount of money in to cover : car tax, insurance, mot and service, birthdays and xmas etc. Up until now we had been transferring money manually but now we have written everything down in a budgets and savings book we will set up standing orders for everything.
    In attempt to save money I am now aiming to do all clothes washing at 30 degrees and make sure everything is hung out (yep abt a week ago I used the dryer as was knackered!).

    Managed to find a hair dye from home bargins for 1. Will be using this on my roots in between mobile hair dresser thst comes 8 weekly.

    Not feeling too great today but will try tackle the ironing.

    Feeling very inspired reading through your posts.

    Hope you are all ok xxx
    I am now debt free - 20/03/18. Whatever your situation - just.keep.going!
    EF 1000/1000 goal
    CHILDCARE Savings goal 600/600
    EF 3 month goal 3,500/3,500
    HOUSE DEPOSIT 0/20,000
    • thriftylass
    • By thriftylass 9th Jul 18, 12:09 PM
    • 3,358 Posts
    • 27,572 Thanks
    thriftylass
    Hello,

    one spend day this weekend, grocery top up to fill our new fridge freezer. Little things like having a veg drawer now and shelves in the door (both were broken in our 38 yo freezer) make me rather happy. Also the new freezer's drawers are a different size so my tupper ware fits better.

    As husband is still rubbish with money (oh, is it car tax time , doh), I had to pay for that and the AA renewal. He just gets defensive if I "moan" about having to spend money on other things then which I now can't really afford (like family days out etc,) which I wouldn't have to do if he'd be more sensible and consider this our family finances. Yes, I'm better at saving, doesn't mean I'm this endless money trough. Also just found out that his scheme to pay off his overdraft with an interest free CC isn't going to well (guess he's just making minimum payments).

    Next big spend will be the ferry over to Netherlands for Christmas with my parents .

    This has been going on for way too long now . Need to muster the courage to bring it up without him retreating in his tortoise shell or me coming across as the one who wants to control our finances etc

    Anyway, finally cooler here and off to a run in a minute. HM lunch, snacks and definitely and SFD
    Last edited by thriftylass; 09-07-2018 at 4:57 PM.
    NST June
    SFD 5/20 spends 474 (incl MOT which I might claw back form savings if needed)/540
    Exercise 5/20
    Debt - all 0% 1015 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 102400 (07/18) OP 0
    • Tropically
    • By Tropically 9th Jul 18, 12:20 PM
    • 282 Posts
    • 874 Thanks
    Tropically
    No NSDs for me over the weekend but had a truly lovely one!

    Set - All budgets set.
    Use things up - I made some delicious food over the weekend using what we have in the house. It is tricky because we only get vegetables delivered weekly as part of a veg box. It is too hot to be baking, stewing and frying. I only want BBQ, but the best BBQ'd food is meat! I had a nightmare last night about the vegetables in my fridge going mouldy. Is that a symptom of my anxiety? Maybe.
    Revisit - My target at the beginning of the year was to OP by 7,000. We've not OP'd anything but I think we still could by the end of the year. I hope to. Once we are married (12 days...) we will have a good idea of what our finances will be.
    Vacation - Our honeymoon is being booked using all the cashbacks/discounts we can find!
    Value for money - I am a PRO at getting value for money. E.g. my mum asked me to buy a picture frame for the seating plan for the wedding. Found a 15% off voucher online! I use honey and also check myself. It's great.
    Every day - I am so grateful for all I have in my life.


    Jump - Was bored so did Yoga with Adriene's Yoga for a Dull Moment yesterday! Please with myself.
    Unless - so far so good.
    Lose the excess - This was an incredible reminder to bring in a toy I meant to sell on gumtree. The person buying it wanted to collect near my work, which was very convenient until I FORGOT TO BRING IT TO WORK. I have added a number of calendar reminders to make sure I remember tomorrow.
    Yearly plans - Get married, go on honeymoon, sort out life.
    Mortgage started at 318,000 in June 2016. Original MF - 2041
    2017 OPs: 7000/7000
    Mortgage in Nov 2017 - 297,808
    • Debtfreewannabme
    • By Debtfreewannabme 9th Jul 18, 12:57 PM
    • 107 Posts
    • 808 Thanks
    Debtfreewannabme
    Set!your budgets
    Food 14 / 150
    Diesel 0 / 135
    Tea & milk at work - 1.50/ 1.50
    Going out - 0/40


    Use!things up - veggies for soup.

    Revisit!those targets you set back in January -
    Debts paid off by end of yr - achieved in April 2018
    EF savings - building back up.
    400/ 1000
    House Fund saving - 1467 /4500 by the end of December 2018

    Vacation time - cheap family days out ideas/deals?
    Wildlife trust walks - free
    Strawberry picking
    Local park
    Paddling pool and toys in the garden
    Picnics
    Feeding seeds to the ducks
    Seaside planned visit

    Inspire!others - share your ideas on here of things to do with kids/ how to keep holiday costs down? Things you've used up?
    Planning for big activities in advance so we can save. Currently starting a jar for Barmouth day out in August. Working out diesel, food fish and chips, icecream and coffee in a shop costs and putting in a daily amount. Kids will enjoy putting money into jar and teaching them abt savings. Jar will be decorated with photos from magazines related to beach and summer.
    Value!for money - waiting for money from topcashback to come through. Have just redeemed 9 from survey site and will look up winter family activities so we can plan for that later in the yr and set up a savinfs jar for it as above.


    Every!day - check in and also remember your daily gratitudes. Checking in twice now. Thankful for my lovely little family, for a garden to relax/play in and for sunshine.

    Jump - be active - fitbit helps me keep moving. Lots of walking and running around in the garden over the weekend.

    Unless!budgeted, no takeaways, coffee shops, lunches out etc.
    DH isn't too good at nsds so has just got himself chocolate and other bits from shop. I would usually get annoyed with him but decided less is more and focusing on keeping the bulk of spendong low as admittedly it is me that is usually more spend happy. Baby steps and all that.

    Lose!the excess - I have a few things to sell so will aim to put them on this week. Any money will go into EF. I have had a small holiday weight gain so aim to get that off this week.

    Yearly!plans - all on track. Need to check wrapping paper stock then will hunt for rolls in poundland/ home bargins if nedded.
    I am now debt free - 20/03/18. Whatever your situation - just.keep.going!
    EF 1000/1000 goal
    CHILDCARE Savings goal 600/600
    EF 3 month goal 3,500/3,500
    HOUSE DEPOSIT 0/20,000
    • Toni'sfriend
    • By Toni'sfriend 9th Jul 18, 4:17 PM
    • 1,403 Posts
    • 13,384 Thanks
    Toni'sfriend
    NSD no 5.
    Up early and had a bit of a walk. Not quite as far as the last two days but at least it was some exercise and fresh air.
    Finished off the boy's ironing and did our washing. Now hanging out on the line drying. Made stock from yesterday's chicken and turned that into chicken and rice soup for the boy's lunches. Bedding changed and looking all fresh and clean.
    Feel as if I've accomplished quite a lot today compared to the last few weeks and I'm ready to start doing a proper clean and declutter.
    Sad news today that my neighbour's mother died early this morning. A very close family and they are totally devastated. What can you say at a time like this?
    So, I'm sitting in the sun and will make dinner shortly. Take care, eveyone.
    • greent
    • By greent 9th Jul 18, 4:50 PM
    • 7,154 Posts
    • 72,838 Thanks
    greent
    Days 8 & 9
    • NSDs - 2
    • Remember others - DD to charity gone out. Another item added to CS bag
    • Pay to your debts or savings FIRST - DONE - + 75 OP to BTL
    • Set budgets. Food 87.19/475. Fuel 0/65 Gifts 15/30 Toiletries 0/10 Cleaning 5.68/10 DD uni stuff 35.98/50 Clothes 0/100 Social 16.50/75
    • Use things up Still ongoing. Have cleared out a few items from cupboards for DD's uni stash Already used up teabags from OH's hotel stay and decanted coffee sachets into jar
      )
    • Revisit targets you set back in January. - Done. [/COLOR]
    • Vacation time No idea whether we're going on hol in Oct (not booking until after A level results) and no real plans made for summer hols with the kids - must get thinking cap on!
    • Inspire others -
    • Value for money -Split shopping across 2 s/mkts today to get best prices where poss.
    • Every day - here Am STILL thankful for the weather, OH finally sorting the wmachine out and ice

    • Jump - None
    • Unless budgeted, no takeaways, coffee shops, lunches out etc. -yep.
    • Lose the excess. Too small 3/4 jeans of DD added to CS bag.
    • Yearly plans -we are halfway through 2018. If you haven't planned on how to finance Christmas/ birthdays in the second half of the year/ DIY things which need doing / any holiday plans you may have - NOW is the time - will make a list of people with bdays and those I need to get Xmas presents for and make a start, even if it is putting money aside.
    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) 2772.47/4000
    Net sales 2018 558.92/1000 PAYDOX18 (#15) Done 18918.90
    • greent
    • By greent 9th Jul 18, 5:12 PM
    • 7,154 Posts
    • 72,838 Thanks
    greent
    Toni'sfriend - sorry to hear about your neighbour's mum - and your cousin's son Glad to hear that Himself had a lovely birthday

    plumduff55 - hello and welcome - I shall add you to the list in post #2 Sorry to hear about your knee

    EarlyRetirement - another good carbooting result!

    indigowarrior - hope you are feeling better now x

    mothernerd - hope the bruises and aches are beginning to ease...

    crazy_cat_lady - welcome back


    Sashanut - good going on the faceb00k listings - hopefully the enquiries will translate into sales

    Tropically - I love your yearly plans! Simply put!

    dolly84 - DH's bite sounds nasty - fingers crossed that the antibiotics do their thing.....
    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) 2772.47/4000
    Net sales 2018 558.92/1000 PAYDOX18 (#15) Done 18918.90
    • Kerry Woman
    • By Kerry Woman 9th Jul 18, 6:37 PM
    • 2,384 Posts
    • 23,193 Thanks
    Kerry Woman
    Hugs for those in need of them.
    NSD 6/20 Was a spend day. Had to pay someone 3 my share of a present she brought for someone in the office.
    Set - Done the budget for the month.
    Use - Will definitely be doing this. Still using up things already in.
    Revisit - Am going to set new goals. Made a list of goals and bucket list.
    Vacation - Not going on holiday. Planning to have some days out/experiences.
    Inspire - Will try.
    Value - Will look into other ways to save for days out etc.
    Every - Have done. Grateful for:
    The weather being a bit cooler today.
    Done as much as I could in work.
    Doing self-care today.
    Jump - Will definitely do walking as it will help my mental health also. Walked from school to bus stop and only a small bit of walking around the school doing errands.
    Unless - No need today.
    Lose - Done decluttering for now. Still need to take items to cs.
    Yearly - Have made a list as to what needs to done or going out trips/experiences/voluntary work for rest of the year.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST 07/2018 - Survive July! NSD 15/20
    • crazy_cat_lady
    • By crazy_cat_lady 9th Jul 18, 6:59 PM
    • 3,612 Posts
    • 30,972 Thanks
    crazy_cat_lady
    Hi everyone,
    Busy day at work but lots of little positives.
    Got a nsd, and ate according to our meal plan at home. I've also started looking a bit more into my budget and figuring out where everything goes and what I'm doing with my money. Must not lose focus on this again.
    I'm grateful that the weather is quite a bit cooler today, although I wish my hay fever would sort itself out a bit.
    Only 9 more school get ups - have my lesson observation tomorrow and then the countdown to the holidays is on... can't wait.
    As for school holiday plans - I'm not sure how mse they are but here goes....
    We went to Alton Towers in May, and if you bought the day ticket then you got the whole season pass. I've arranged 2 more trips over the 6 weeks, and booked accommodation nearby via Airbnb - which is very reasonably priced. One 2 night stay for 96 for the 3 of us, and another 2 night stay for 5 of us for 249. Which is way cheaper than staying onsite, and in both cases we are getting a whole property with separate bedrooms and kitchen etc rather than just a room like you get at Alton towers. So we should be getting our money's worth out of the season passes. And if all goes well with Airbnb then I'm going to use it again for more short breaks.
    We also have 4 days away in a cottage in the Lake District, which I booked through Hoseasons. I converted 30 Mr T vouchers into a 90 voucher and I will be thoroughly relaxing and enjoying a private hot tub while the kids enjoy the beautiful grounds with swans and peacocks and maybe the hot tub if I feel generous. I really can't wait...
    June Odessy NSD 6/10 DFD 6 Nov 15 - paid 28,447
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