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  • FIRST POST
    • greent
    • By greent 30th Jun 18, 10:17 AM
    • 7,153Posts
    • 72,818Thanks
    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 11
    • plumduff55
    • By plumduff55 9th Jul 18, 7:00 PM
    • 391 Posts
    • 3,202 Thanks
    plumduff55
    Hi everyone, NSD 7/20 and total month spending is £11.59/£50

    Another beautiful day here today. EVERDAY I get up and thank my lucky stars that I no longer have to go to work. I retired nearly 3 years ago but don't get my state pension for another 3 years, I fund my retirement with two small works pensions and my savings and there is absolutely nothing I could buy with my savings that would give me the joy of not having to work every day

    Today I USED up some mushrooms that were getting dark and grotty looking and had mushroom pasta and salad for dinner. For lunch I had cheese, coleslaw and tomato sandwiches. The coleslaw was given to me by my Mum who didn't want it - I'm never known to say no to a freebie

    JUMP - Today I went for a walk to the Country Park adjoining my village. I walked 2.4 miles at an average speed of 2.8 mph. This is the best I've done since I hurt my knee although I did stop for a rest 3 times. When I was training for the 5K I downloaded STRAVA on to my phone. It's free and it's brilliant. It tracks your walking/cycling and you can save your activities to compare how you're getting on.

    LOSE - I've listed 5 things on eBay and one thing has sold. I'm going to look for more to list tomorrow

    I'm going outside now to sit and read my book for an hour xx
    Debt free - Mortgage free - Work free ( in that order )

    NSDs JULY 16/20 SPENDS £33.25/£50
    • Kerry Woman
    • By Kerry Woman 9th Jul 18, 7:08 PM
    • 2,383 Posts
    • 23,180 Thanks
    Kerry Woman
    clc - Someone in the school where I am temping also uses how many school get ups as well. A very good way to countdown till the summer holidays also for other school holidays.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST 07/2018 - Survive July! NSD 15/20
    • EarlyRetirement
    • By EarlyRetirement 9th Jul 18, 7:28 PM
    • 17 Posts
    • 167 Thanks
    EarlyRetirement
    Plumduff55 Looking forward to the day I can retire early in the next couple of years. Sounds like you are enjoying every minute.

    NSD 6/15

    USED - Used one of the tubs of red currants that i picked from the garden and made red currant muffins. Will take as a snack to work with my morning cup of tea.

    EVERY DAY - Grateful the sun is still shining, Mr ER has sorted out is tools and a visit from thr grandchildren.

    JUMP - Had a meeting that would have taken me 10 minutes in the car so I walked there and back today.

    LOSE - 3 parcels ready to post in the morning. When i got home from work Mr ER has sorted out a pile of stuff for next weeks carboot sale. Never thought I would see the day where he gets rid of some of his tools.

    Have a good evening all.
    Last edited by EarlyRetirement; 09-07-2018 at 7:34 PM.
    • apple muncher
    • By apple muncher 9th Jul 18, 8:23 PM
    • 7,477 Posts
    • 56,315 Thanks
    apple muncher
    Today I am grateful for getting so much done at work, for others noticing what I'd done, for clearing out a lot of tat, for being able to help out other people, for a cooler evening, for dd enjoying the garden, for scrummy red gooseberries.
    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
    • bizzie
    • By bizzie 9th Jul 18, 9:23 PM
    • 169 Posts
    • 2,031 Thanks
    bizzie
    NSDs – @#6/13

    Set budgets - all as expected.
    Use things up – slowly working through stuff in hand and trying not to replace unless there is a very good offer as it will get used up eventually.
    Revisit targets – need to do this
    Vacation time – nothing booked but hoping to arrange some catch ups with friends that have moved away.
    Inspire others – still looking for some!
    Value for money – using cashback, money off coupons and product offers to make pennies go further.
    Every day report in – trying to make a weekly post but do read on a daily basis.
    Jump – minimal extra activity as I’m struggling with the heat.
    Unless - none yet but there may be a couple later in the month.
    Lose excess - Unwanted clothing is being collected for school fund raising and donations to local charity shops to be dropped off when the bag is full.
    Yearly plans - I have a list of things that need doing before the end of 2018 and am also giving thought to a longer timeframe and the costs associated.

    Thoughts to all who are having a rough time at the moment.
    Groceries 90.13/300.00 Personal Spend /100.00
    NST July #19 NSD 6/13 @09/07/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • mothernerd
    • By mothernerd 9th Jul 18, 11:17 PM
    • 2,462 Posts
    • 25,735 Thanks
    mothernerd
    A NSD. Very tired but seem to be improving. Shoulder was a lot looser first thing but within a couple of hours went back to nothing above elbow height. Took another bag to the charity bin and sorted out the pack before that hadn't been put in properly.


    Today I am grateful for salad bits (ys salad bits), for finding and ice cream (they found the last of my ice lollies), for having done all the urgent paperwork last week so I'm not too stressed about the things I can't do.
    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
    • sashanut
    • By sashanut 9th Jul 18, 11:32 PM
    • 2,871 Posts
    • 26,592 Thanks
    sashanut
    No 12 checking in
    Hi all


    Will try for 13 NSDs & hope to get nearer to 20....still 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..Packed all stuff up & DH took to PO for me this afternoon. Plans to list more were scuppered as DD had a call that she had to return her fancy hire car; otherwise they were going to charge her (£150 p/day) - she was unwell but only her insured to drive, so I went along with her. Then she had to collect her own - written off - car, which apparently is roadworthy. Well they could have at least put the bumper back on properly & replace the floor of the boot.....now we have to wait to see what will happen now; we have no experience of this to tell her..


    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. Now £134.12, less postage.

    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. Bought a shower head to try here first, if it's ok will get a couple to take with us to kinda update the showers over there.

    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..Leftovers for lunch & made a meal for tea; DD still quite ill so only had a little so more leftovers there. Also DH got a piece of equipment to help revamp our oldest car; went through cashback. Just realised that made him sound like a mechanic, he really isn't

    Every Checking in 9/31

    Gratitudes:DH doing the washing up as I cut the grass: anticipation of rain but like 2 drops - however, feels fresher tonight; all my buyers paying up & the items have left the house already..

    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. Same again although I also cut the back grass (savannah..)


    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 £134.12 - 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. No listing, too chaotic today.


    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 10th Jul 18, 7:04 AM
    • 1,549 Posts
    • 12,803 Thanks
    f0xh0les
    As husband is still rubbish with money

    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
    Originally posted by thriftylass
    Massive hugs, I totally understand. My DH was exactly the same until about 24 months ago, then he suddenly got it when he had to get a credit history (his old one disappeared when he changed from Mr to Dr and we had to get a mortgage based on my credit history, even though I was not working)

    Don't give up on him!
    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
    • f0xh0les
    • By f0xh0les 10th Jul 18, 7:15 AM
    • 1,549 Posts
    • 12,803 Thanks
    f0xh0les

    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. .
    Originally posted by Debtfreewannabme
    Maybe if he has a favourite type, you could make a little more room in the weekly shopping budget and buy a multipack and keep it in the back of a cupboard for him when he feels the urge for chocolate. Prices for choc do vary wildly between shops and then he has no reason to go into one
    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
    • f0xh0les
    • By f0xh0les 10th Jul 18, 7:39 AM
    • 1,549 Posts
    • 12,803 Thanks
    f0xh0les
    Today should be a nsd as I am planning on spending tomorrow - I have a shopping list and everything

    More cleaning and sorting.
    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
    • GlendaSugarbean
    • By GlendaSugarbean 10th Jul 18, 8:33 AM
    • 61 Posts
    • 409 Thanks
    GlendaSugarbean
    thriftylass and foxholes I have a budget averse OH too - and the budget this month was not helped by £100+ of expenses that he would usually cover (he is s/e so erratic income). I know this causes him a lot of anxiety so I don't want to push, but equally he can get away with not monitoring his spending because I'm organised and will pick up the slack. So. He is planning to pay me back so we'll see. It means I need to go back to adding a pot for unplanned expenses which annoys me!

    Another NSD yesterday so 5/13.

    Food budget is looking tight again - too many top up shops. When will I learn? Must eat from freezer tonight and avoid extras.

    Today I'm grateful for: a few days away with work as my expenses will be covered!
    • dolly84
    • By dolly84 10th Jul 18, 10:19 AM
    • 3,906 Posts
    • 36,201 Thanks
    dolly84
    DawnW - I use the basic muffin recipe below and make it vegan by using plant milk and flax egg (1tsp ground flax seed and 2tbsp water = 1 egg).


    250g plain flour
    2tsp baking powder
    150g caster sugar (I always halve this though)
    175ml milk
    150ml oil
    2 eggs
    1/2 tsp vanilla extract (didn't put this in the peanut butter ones though)


    mix dry ingredients in a bowl and add wet, add a couple of spoons full of melted peanut butter and roughly chopped dark chocolate, mix until just combined. 20 minutes ish in the oven.


    I also did the following recipe which uses apple sauce to replace the eggs.


    375g SR flour
    75g sugar
    125ml oil
    125g apple sauce
    1tsp salt
    milk to loosen
    fruit


    blend fruit (I used blackberries) and apple sauce and stir into dry ingredients with oil and milk.


    These worked really, really well but I didn't think apple sauce went with chocolate which is why I used the other recipe.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • indigowarrior
    • By indigowarrior 10th Jul 18, 10:42 AM
    • 655 Posts
    • 4,834 Thanks
    indigowarrior
    Good Morning everyone, today is going to be NSD 4. Am craving pasta so will have tuna pasta for lunch.
    #545- SPC July No Spend: 5/20
    • thriftylass
    • By thriftylass 10th Jul 18, 1:04 PM
    • 3,358 Posts
    • 27,566 Thanks
    thriftylass
    Massive hugs, I totally understand. My DH was exactly the same until about 24 months ago, then he suddenly got it when he had to get a credit history (his old one disappeared when he changed from Mr to Dr and we had to get a mortgage based on my credit history, even though I was not working)

    Don't give up on him!
    Originally posted by f0xh0les
    Thanks, I'm trying not to . But after 15 years, a house and two kids and he still doesn't get it ?

    thriftylass and foxholes I have a budget averse OH too - and the budget this month was not helped by £100+ of expenses that he would usually cover (he is s/e so erratic income). I know this causes him a lot of anxiety so I don't want to push, but equally he can get away with not monitoring his spending because I'm organised and will pick up the slack. So. He is planning to pay me back so we'll see. It means I need to go back to adding a pot for unplanned expenses which annoys me!

    Food budget is looking tight again - too many top up shops. When will I learn? Must eat from freezer tonight and avoid extras.
    Originally posted by GlendaSugarbean
    The line in bold hit the nail on the head. I think mine does that also because he thinks he earns well now and deserves/earned it/ doesn't have to watch the pennies anymore. He doesn't want to budget as it feels like living like a student again (not that he ever lived in his means then ).

    Our food budget is tight again too, same reason. Oh that reminds me I need milk, bread and diluting juice, doh
    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
    • crazy_cat_lady
    • By crazy_cat_lady 10th Jul 18, 2:08 PM
    • 3,609 Posts
    • 30,950 Thanks
    crazy_cat_lady
    Good afternoon everyone
    Today is not going to be a nsd because ds has had a school trouser emergency that will not wait until September so I'm going to have to pop into Mr A on the way home and cross my fingers that they sell navy school uniform (I have the worst feeling that they don't). Otherwise a more expensive trip to M&S will have to follow. However, I am managing my pennies as best as I can in the current financial climate so this will have to do him until September (hoping that he doesn't grow again)
    I have made a PAD after selling my own mobile phone so at least I feel as though I'm making some small steps towards sorting the situation out.
    Have planned tonight's dinner and hopefully I can get an early night as well. Fingers crossed.

    June Odessy NSD 6/10 DFD 6 Nov 15 - paid £28,447
    • DawnW
    • By DawnW 10th Jul 18, 3:43 PM
    • 5,105 Posts
    • 40,364 Thanks
    DawnW
    Thanks Dolly84, I will definitely be trying those
    July NSDs - 6 / 13
    Groceries, toiletries, cleaning supplies and pet supplies - £195.07 / £250.00
    • indigowarrior
    • By indigowarrior 10th Jul 18, 4:16 PM
    • 655 Posts
    • 4,834 Thanks
    indigowarrior
    Hurrah an NSD!! Hugs to anyone who needs them.
    #545- SPC July No Spend: 5/20
    • Toni'sfriend
    • By Toni'sfriend 10th Jul 18, 4:31 PM
    • 1,401 Posts
    • 13,350 Thanks
    Toni'sfriend
    Well done, Indigo.
    A very small spend here today. Just potatoes a cooking foil.
    A little walk but at least I left the house despite the heat (yes, it is still hot and humid here).
    Apart from that haven't done much. To be honest, I'm feeling a little bit down after the bad news of the last couple of days.
    The Boy isn't coming for dinner tonight. He must be microwaving something I've made him. Himself is watching the football. So I think it's an early night and book for me. What an exciting life I lead!. Honestly, not complaining. Compared to some people I am truly blessed.
    • plumduff55
    • By plumduff55 10th Jul 18, 6:19 PM
    • 391 Posts
    • 3,202 Thanks
    plumduff55
    Today is NSD 8/20 for me .

    USE - For lunch I used equal quantities of grated cheese, grated carrot and shredded lettuce to make cheese salad. Just combine ingredients with mayonnaise and you have a tasty sandwich filling. I sprinkle with chilli flakes but this is optional.

    For dinner I had a ys sausage roll bought last month and frozen. Baked beans and mashed potatoes. As I live on my own I cook and mash a load of potatoes and place scoops on a baking tray to freeze then bag. When needed, I take a couple out in the morning to defrost then zap in the microwave. They taste just like fresh potatoes.

    JUMP - went walking again today and did too much. Sitting here with a bag of peas on my knee. Will I never learn ??????

    I usually do my monthly mega shop on the 15th of the month -as this date passes I will need to be more inventive with the menus

    EarlyRetirement - I only had 5 months' notice when I retired. Luckily ( with the support of MSE) I had paid off my mortgage 8 years previously and had then been able to save. If I hadn't done this I would not have been able to retire. Best thing I have ever done
    Debt free - Mortgage free - Work free ( in that order )

    NSDs JULY 16/20 SPENDS £33.25/£50
    • Kerry Woman
    • By Kerry Woman 10th Jul 18, 6:53 PM
    • 2,383 Posts
    • 23,180 Thanks
    Kerry Woman
    NSD 7/20 Was an NSD today.
    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. Done 2 days out already.
    Inspire - Will try.
    Value - Will look into other ways to save for days out etc.
    Every - Have done. Grateful for:
    Having a good night's sleep.
    Taking it easy this evening.
    Done a few household chores when I got home.
    Doing self-care today.
    Jump - Will definitely do walking as it will help my mental health also. Walked to/from bus stop/work and some 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
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