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  • FIRST POST
    • mothernerd
    • By mothernerd 29th Oct 18, 4:20 AM
    • 2,584Posts
    • 27,292Thanks
    mothernerd
    Nst november in new york
    • #1
    • 29th Oct 18, 4:20 AM
    Nst november in new york 29th Oct 18 at 4:20 AM
    NST NOVEMBER IN NEW YORK


    Everything can change (in a New york Minute). Be prepared for the worst. However change can be an opportunity. We can change. We can be the change we want to see in the world.



    Welcome to the Ninja Saving Turtles (NST) November challenge. We will plan and be prepared. We will keep our families safe. This month I also want us to take the opportunity to look forward, consider our values and what is important to us. New York represents these aspirations.



    We will live in the spirit of the season and embrace all the good things about this time of the year. Along the way we offer help and support, lots of fun, quotes of the day and we might swallow a frog or two. We will try our best to meet all the elements of the challenge but if progress stalls or life throws a spanner in the works don't panic. No turtle gets left behind.

    THE RULES


    NSDs No spend days. You will aim for 15 (easy) or 20 (hard). Any YS (yellow sticker) items, medical costs, petrol or 'oyster' card top ups do not lose you your NSD. (we don't want turtles delaying treatment or being stranded because they wanted to keep their NSD). Special milk exemption for greent. Any other requests for exemptions will be considered on their merits.


    ORGANISE your time. Many of you are very busy (especially teacher turtles) but to safeguard your health, both mental and physical, you need downtime. Simplify where possible.


    VALUES Differentiate between needs and wants. Keep your ultimate goals in mind (getting rid of debt, overpaying your mortgage, saving to do something on your bucket list) and weigh that against the shortlived gratification of a new lipstick, a chocolate bar or a new bag. It's okay to build the occasional treat into your budget, but be wary of treats that turn into daily expenditure.


    ENJOY yourself. Have fun. Kick about in the leaves, splash in puddles. Smile, be the rainbow in someone's cloud.


    MAKE an inventory of the food in your cupboards, fridge and freezer at the start of the month. Plan your meals around what you have, make your shopping list up from the ingredients you need to go with them. Do you need to defrost your freezer (because someone left the door open) before Christmas - work out when you will do this. Look for ys 'treats' that can be frozen and saved for Christmas. Root out those forgotten items at the back of the cupboard. Use them or donate them to the food bank, school Christmas fair.


    BUDGETS should be set before the start of the month - Food, travel, socialising, personal. Consider any birthdays or other events. Reduce last month's budget by 5%. If you don't know what you are spending, write down every purchase and analyse it at the month end to see where you can cut it (make cuts sooner if it's obvious). Make provision for a donation (money or goods) to your local food bank/ other charity of your choice.


    EXERCISE 4 times a week, 20 minutes a day. Many of you have an established exercise programme. If you don't, make a start, do something.


    RULES Turtle rules can be difficult at first. Think of them as a tool box. If you can use a hammer and a screwdriver you can do simple repairs. If you are competent with a range of tools you can much more. The more rules you can follow, the more you will save/ have for debt reduction.


    IN case of emergency Add any items you might need (torch, shovel for snow, old carpet for traction, extra coat or blanket) to your car boot. If you don't belong to a breakdown organisation, make sure you have phone numbers for friends or relatives who might come and help you.

    Make sure you and your children can be seen if walking or cycling. This week, after the clocks go back, has the highest incidence of road accidents in the year.

    Stock up with generic painkillers, cold and flu meds - just as effective as the expensive ones (MSE tested).


    NOW is always the right time to start. If you were successful in last month's healthy habit challenge, are you going to continue? Have you another new habit to add? If you fell didn't quite make it, start again now. If you start now you will still be 2 months ahead of those making resolutions in the new year.


    NO takeaways, coffee shops, vending machines, canteens unless for a special event. Take your own food and drinks to work, hospital appointments and days out where possible.


    EVERYONE should know their debt free date (work out what you owe, how much you can pay each month and work our when it will be paid). Pay to debt or savings first and live off what is left (I know some of you are not in a position to do this atm). EXTRA income ideas are always welcome - could your children's old toys be someone else's dream gift.


    WINTER proof your home, if you haven't already done so. Thick curtains, extra linings (two sets of curtains if you have lots of old ones), winter quilts, door curtains, draught excluders, an old blanket over the mattress/ under the bottom sheet. Baked potatoes, hm soup, hot drinks. A throw or blanket for snuggling on the couch, especially when you're ill.


    YOU should cook from scratch when you can (unless time is short or it costs more to make) and batch cook. It is as easy to make a big pan of something as a little pan. Don't buy it if you can make it.



    OUTSIDE It may be cold but wrap up warm and make the most of the available light - it will help your immune system and your mental health.


    REPORT regularly (daily is best)


    KINDNESS costs nothing. Everyone you meet is carrying some sort of burden, so try to be kind, especially to yourself.


    The challenge runs from 00.01 on 1st November until midnight on November 30th.
    Last edited by mothernerd; 29-10-2018 at 4:28 AM.
    This year I will be fierce
    NST Nov #1 SFD 7/20 Food£99.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
Page 16
    • dolly84
    • By dolly84 10th Nov 18, 8:28 AM
    • 4,076 Posts
    • 37,692 Thanks
    dolly84
    mothernerd - I feel guilty about recyling too, I try to reduce first. Most of the rubbish you get rid of isn't even yours so don't be too hard on yourself.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • f0xh0les
    • By f0xh0les 10th Nov 18, 8:34 AM
    • 1,878 Posts
    • 16,183 Thanks
    f0xh0les
    NSDs - 5
    ORGANISE - lists written, plan made, inventory/mealplan/shopping list
    ENJOY yourself - fallen into a very enjoyable total tat-fest book.
    MAKE - inventorized to within an inch of sanity
    BUDGETS - figured out what went wrong with the credit card. I paid a mortgage overpayment to the cc rather than to the mortgage account. D'oh! So, child benefit will go straight to mortgage overpayment instead. Sometimes online can go wrong too. User error.
    EXERCISE - speed cleaning. 4 bedrooms cleaned, hoovered, 2 loos and 1 bathroom cleaned, stairs (3 flights) hoovered, 2 double beds stripped and remade, laundry bins filled and bumped down 3 flights of stairs, living room tidied, sofas pulled out, all hoovered, all cups and crockery back to kitchen, and made a cup of tea and sat down in 59 minutes, It was a workout plus the house was shiny at the end of it.
    RULES - do or do not, there is no try

    IN case - think I am sorted
    NOW is always the right time to start. - ok

    NO takeaways,- will sit on DH if he even suggests one.
    EVERYONE should know their debt free date. 2037 according to those mortgage people. (pah! fools!)
    WINTER proof your home,- working on it.

    YOU should cook from scratch - I do,
    OUTSIDE-baby it's cold outside, But it is winter, so it should be- last Xcountry of the year over. Have decided to rob one of the planned 'class teacher' gift candles for the Xcountry teacher. She is a star. She was a star in a thick coat and hat while our kids were in shorts and tshirts. That is the coldest windiest field in the history of cross country I am certain. Still, 2 hours stood in a field kept me away from the fridge for 2 hours.
    REPORT - daily!
    KINDNESS - found YS 'feminine hygene products' for 13p a box. Bought 20 boxes, peeled off the YS and donated to foodbank - did the same with toothpaste last month.

    Right, need to get kids ready for ping pong.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 Mar 18 £108,504.72Apr £108,099May £106,999Jun 105,999.Jul 105,300Aug £103,999 Sept £102,999 Oct 101,999November £101,300.00
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • XSpender
    • By XSpender 10th Nov 18, 8:49 AM
    • 3,125 Posts
    • 32,094 Thanks
    XSpender
    Wow f0xh0les, it would take me all weekend to get done what you did in 59 minutes Except the making tea and sitting down, I could do that several times in 59 minutes Please send some of your motivation this way
    CC 1 £2000 CC2 £12,465.53 Furniture £1629 Carpets £1103.36 (23 months left) - Total at 16/11/18 £17,197.83 all at 0%

    Small EF 100% Big EF 0% Holiday 0% Garden 0% Carpets SIF Fund £84.95
    • Shrewbie
    • By Shrewbie 10th Nov 18, 10:52 AM
    • 91 Posts
    • 935 Thanks
    Shrewbie
    Thank you Mothernerd for the inspo, I definitely have what feels like a huge elephant which is improving my Spanish. I am going to set myself some mini-challenges for this, I hope you all don’t mind me posting them here for accountability.

    NSD I am on 4/20.

    ORGANISE Next week will be very busy so need to plan accordingly.

    VALUES Have had some ideas about where I actually want to end up doing with my life and a potential plan is forming. Some puzzle pieces are starting to drop into place.

    ENJOY yourself. Had a very frugal but lovely weekend so far. BF and I went to Aranjuez, a little town outside Madrid, walked in the gardens looking at the beautiful colours of the trees and managed 2 beers in the sun before we got too cold. Then we went home and visited a Pupuseria (pupusas are a sort of filled tortilla from El Salvador) we only had water to drink and the bill came to only €13. Very pleased with that as we were both more than stuffed and had to take food home with us. Total spend of that outing was €18.

    MAKE Done.

    BUDGETS Although no debt paid off yet, this has ended up being a v. frugal month for me and managing to squirrel some money away this month for christmas / dental treatment which I’m very happy about,

    EXERCISE Had a good walk around yesterday. Will try to do a workout tomorrow.

    RULES Mostly ok!

    IN case of emergency Bought some boots from the charity shop today for €10, hope they’re waterproof, will test later.

    Stock up with generic painkillers, cold and flu meds - just as effective as the expensive ones (MSE tested). Will do

    NOW Going to plan my mini-challenges today (bites of the elephant) and will post here.

    NO Had the pupusas yesterday but they were such good value!!
    CC £0/£2476 OD £0/£502
    Savings £0/£7,000

    New York NST November NSD 8/20
    • Chandelier.
    • By Chandelier. 10th Nov 18, 3:34 PM
    • 813 Posts
    • 2,308 Thanks
    Chandelier.
    Afternoon,

    I'm up to 5/15 NSDs so far this month. The week has been a mixed bag spending wise and I've bought some things I wanted, rather then needed.

    Today has been a spend day. The boy wanted to bake some cakes to sell at school for children in need.. a trip to the supermarket, £15 lighter and 42 cakes later... we are done! I bought a couple of Christmas presents which totalled to £7- more token gifts then anything.

    The boy has show rehearsals tonight. I'm about to go make him a packed lunch for him to take as he will be there quite late. Whilst he is there, I'm just going to chill out and have some me time.

    Tomorrow, I'm working all day... boo!! Roll on December for some annual leave. I just want a break at the moment.

    Happy Saturday everyone.

    Chandelier.
    Current Debt: £0.

    Check out my Diary
    • Kerry Woman
    • By Kerry Woman 10th Nov 18, 4:21 PM
    • 2,532 Posts
    • 24,838 Thanks
    Kerry Woman
    Did the Park Run. Walked the 5k in 49 minutes and 40 seconds.
    Sorted out a few things in the flat before I left to go to the hotel overnight stay. Brought a few things with me to eat tonight and tomorrow morning.
    Just chilling out in the hotel room.
    Was a spend day as had to pay for the eco friendly pod from airport to hotel. Paid for tomorrow morning back to the airport.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    Nst november in new york NSD 10/20
    • Toni'sfriend
    • By Toni'sfriend 10th Nov 18, 4:21 PM
    • 1,683 Posts
    • 16,240 Thanks
    Toni'sfriend
    NSD 8/15 AFD No 10

    Thanks for reminding me about frogs and elephants, Mothernerd. It makes sense to tackle frogs head on and not spend time worrying about them. I must phone the council on Monday about something I've been putting off for ages. As for elephants - I need to get into a daily/weekly routine and add another little/biggish job every day.

    I would love to be able to recycle more. I live in a block of maisonettes. Each house has a a normal bin and one for cardboard, plastic, etc (but not glass ????) which are kept in a communal bin store. I really try but our recycling bin is regularly filled with bags of other people's normal rubbish. I've resorted to putting a brick on top of it to stop them. It seems that they are just too lazy to walk past mine and use their own normal rubbish bin.

    So today we walked to the shops. A little bit of fresh air was nice. We needed some beef and veg for tomorrow's dinner and amazingly, considering Himself was with me, we stuck to what was on the list. No extras. That must be a first. It's all been added to my spending diary.

    I have to confess to having two fig rolls with my afternoon cuppa this afternoon. I'm really trying to stop snacking.

    Have a nice weekend.
    • greent
    • By greent 10th Nov 18, 4:22 PM
    • 7,524 Posts
    • 76,420 Thanks
    greent
    Day 10
    NSDs Still 3 NSD and 2 XSD.

    ORGANISE your time. - hmmm - have spent most of today sorting out the VAT queries I discussed with accountant yesterday. Still not finished, but much closer to the end.

    VALUES (Want - If I get to 8K OPs I am starting my 2020 Florida fund early.) OH bought a reusable coffee cup in Tesc0 - but it was reduced to 30p

    ENJOY yourself. Far too much time spent on paperwork today

    MAKE an inventory of food. Yes, done.

    BUDGETS Donated toiletries to homeless mission and baby food to foodbank. Keeping track of spends.

    EXERCISE Nope. Wet outside and I've been sat on my b*m doing paperwork....

    RULES


    IN case of emergency I STILL need to put details of my breakdown cover in car as backup. WIll also put another blanket in. Pledge to get this sorted in next few days

    NOW is the right time. Logged food and drink again today.

    NO takeaways etc - None today.

    EVERYONEshould know dfd. Only debt is BTL mtge which we are OP-ing. EXTRA - still need to list a couple of bits on fb00k/ flebay. However, did cash out £35 from tcb in Tesc0 vouchers today - and made OP to mtge of the same

    WINTER proof your home,- Have got a chap later in month to re-hang kitchen radiator and also service the boiler. OH needs to rehang rear lounge curtains.

    YOU should cook from scratch. Yes.

    OUTSIDE Not really - but it's been rather wet here... (again)

    REPORT regularly - here

    KINDNESS costs nothing.
    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
    • chocolatelover93
    • By chocolatelover93 10th Nov 18, 4:43 PM
    • 760 Posts
    • 4,087 Thanks
    chocolatelover93
    Hey everyone

    Sorry I've not been on for so long had a busy week this week and not been feeling too great again either. Not been very good money saving wise either in fact not been able to pay my usual £50 in my CC account this week because I was so far in my OD, which I still am so far in my OD I dunno if I can pay it next week! (Don't worry min payment had been made). I have re joined SW as I don't want to keep gaining weight! Did a bigish shop yesterday so that should keep me going for a week or so. But forgot to get potatoes so looks like I will be having lots of rice and pasta dishes!

    Anyway, today will be a NSD. I have food and fuel so don't need anything else. I'm working today so had breakfast at home, bought lunch in (tomato pasta) and have a sausage casserole in the slow cooker ready for when I get home!

    Now to catch up on the thread!!

    NSD - Aiming for 15 again this month 2/15, working today and tomorrow and keeping my purse at home.

    ORGANISE -

    VALUES - In OD again, going to go hunting round the house to see what I can sell!

    ENJOY - Baby free night today so will relax and spend a bit of time chilling I think

    MAKE AN INVENTORY - Going to try and make this shopping last as long as possible, got lots of meat and tins in so should be ok.

    BUDGETS - Not sticking to these very well!! Have left my purse at home today and will be doing the same again tomorrow.

    EXERCISE - Not been doing this.

    RULES - I'm getting there.

    ICE - Bought some ice scrapers the other day so all prepared.

    NOW - Joined SW this week.

    NO - None today

    DEBT FREE - Not doing well on this, but I haven't spent any more on CC.

    WINTER PROOF - Only had heating on low the last few days.

    COOK FROM SCRATCH - Got all meals prepped for today last night and all from scratch going to be doing the same tonight for tomorrows meals.

    OUTSIDE - Too cold and wet today and will be dark by the time I get home.

    REPORT - Hello

    KINDNESS - Been very chatty with customers today
    C xx
    Debts:
    £570/£3334 Credit Card 0%
    £47.44/£260.92 Sofa 0%
    OCT NSD 5/15
    • apple muncher
    • By apple muncher 10th Nov 18, 6:08 PM
    • 7,929 Posts
    • 60,093 Thanks
    apple muncher
    Today I am grateful for beautiful trees, for a good swim with dd, for a warm pool, for dh picking us up, for finishing 8 bunnies (now to clothe them...), for getting some really important paperwork done with dh, for lots of rugby on the box, for still having some fresh rasps to pick, for dd doing lots of hwk.
    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Maisie M
    • By Maisie M 10th Nov 18, 6:39 PM
    • 1,468 Posts
    • 13,874 Thanks
    Maisie M
    NSDs - 7/15
    ORGANISE your time. got a lot done today so that it makes things a bit easier for tomorrow
    VALUES – needed to get the shopping but didn’t want to go
    ENJOY yourself. had a good laugh with a neighbour
    MAKE an inventory of the food in your cupboards, fridge and freezer. Plan your meals around what you have. – definitely will do tomorrow
    BUDGETS should be set before the start of the month - Food, travel, socialising, personal. updated spreadsheet with todays spends
    EXERCISE 4 times a week, 20 minutes a day. 58 minutes so far today.
    RULES The more rules you can follow, the more you will save/ have for debt reduction. – fingers crossed

    IN case of emergency Add any items you might need (torch, shovel for snow, old carpet for traction, extra coat or blanket) to your car boot. hubby is getting all the stuff ready for the new car
    Stock up with generic painkillers, cold and flu meds - to do
    NOW is always the right time to start. even got becks blue for tonight

    NO takeaways, coffee shops, vending machines, canteens unless for a special event. failed on this one today snacks whilst out shopping and then fish and chips for the boys tonight but hubby and I ate home cooked food
    EVERYONE should know their debt free date. savings date 2021/2.
    WINTER proof your home, if you haven't already done so. nothing more done on this so far

    YOU should cook from scratch when you can. breakfast and hubby and my dinner
    OUTSIDE It may be cold but wrap up warm and make the most of the available light. nothing today
    REPORT regularly (daily is best) here
    KINDNESS costs nothing let OH sleep upstairs last night even though he had been drinking wine and therefore would snore, Definately counts as a kindness

    • the cross rabbit
    • By the cross rabbit 10th Nov 18, 6:47 PM
    • 214 Posts
    • 1,242 Thanks
    the cross rabbit
    NST will aim for 15. 5/15 been shopping so no nst.

    ORGANISE your time. Will try and find a balance between studying,household chores, family time and me time. DH has taken the kids to his brothers for bonfire and fireworks and I;ve opted to stay at home and catch up on UNi work due to losing a number of study days to DD2 been off school several times over the last month.

    VALUES. Ultimate goal is to continue to OP the mortgage but to keep in mind ethical, environmental and family values. signed this petition last night http://chng.it/byWdFM2t> ice (the really cold shop) have made advert about palm oil. If this isn't appropriate on this forum please let me know and I will delete it.

    ENJOY yourself. Try and do something everyday that I enjoy. Made 4 Christmas cakes the house smells wonderful. Feel like bursting into song 'its starting to feel alot like Christmas', good job this is the virtual world as I can't hold a tune in a bucket.
    MAKE an inventory of the food in your cupboards, fridge and freezer at the start of the month. Meal plan and shop from the cupboards, freezers and allotments first before visiting supermarkets. New plan for next week in the process of been devised.
    BUDGETS should be set before the start of the month. Already done will log spends on here and look at, at the end of the month.Will aim to buy something for the food bank every week- done finally today.Shopping = £58.90 including veg box(comes on Thursday) also filled DH car petrol= £26.40. TT of 69p. Money for DD2 trip out £6.50.

    EXERCISE will aim to walk for an hour everyday with the dog.done but didn't litter pick as it was dark

    IN case of emergency Add any items you might need (torch, shovel for snow, old carpet for traction, extra coat or blanket) to your car boot. If you don't belong to a breakdown organisation, make sure you have phone numbers for friends or relatives who might come and help you.
    Make sure you and your children can be seen if walking or cycling. still need to sort the cars. think snow will have to fall before this gets done
    NOW is always the right time to start.will aim to have more faith in myself.Yes yes yes

    NO takeaways, coffee shops, vending machines, canteens unless for a special event. Take your own food and drinks to work, hospital appointments and days out where possible. None bought today

    EVERYONE should know their debt free date continuing to pay bank of mum (Nov 2019) and OP the mortgage (another 17 and half years).

    WINTER proof your home, if you haven't already done so. Need to hang new thicker curtains in dining room- still on the list. DH has been looking for the curtain rings today, but has got airer working in the garage which will hopefully cut the amount of damp accumulating in the house.

    YOU should cook from scratch when you can (unless time is short or it costs more to make) and batch cook.Will aim to do this at least 5 days out of 7. 1/5 start of a new week, having leftovers for tea, had leek and cheese toasties for lunch sooooo yummy
    OUTSIDE It may be cold but wrap up warm and make the most of the available light - it will help your immune system and your mental health see exercise

    REPORT i'm here

    KINDNESS costs nothing. Everyone you meet is carrying some sort of burden, so try to be kind, especially to yourself.made DH breakfast in bed as it was his first day off (worked 12 days straight to earn money for christmas, my hero
    CRx
    Mortgage £82,000, due to end July 2036. 4/11/18 Mortgage £79,872.13
    • plumduff55
    • By plumduff55 10th Nov 18, 7:45 PM
    • 491 Posts
    • 4,475 Thanks
    plumduff55
    NSD - My purse stayed closed today so that's me on 7/20.

    ORGANISE - I made a list today of all Christmas sewing still to be done and allocated dates on the calendar to complete this before I go on holiday on the 8th December. I now just need to have the willpower to stick to the timetable and not be tempted to go out gallivanting.

    ENJOY - I've had a lovely Saturday chilling and chatting

    MAKE - I've started writing my supermarket shopping list. I don't need too much so will add some Christmas food stuffs this month.

    BUDGETS - I'm doing really well with the reduced budget. I have £10 in my purse to do me till Friday and I'm hoping to not spend it all.

    EXERCISE - I went for a short 1.5 mile walk after lunch before the rain came.

    NOW - I'm never as good with the healthy eating at the weekend and will be having crisps and drambuie when I watch the Robert the Bruce film on Netflix later tonight. Might as well get hung for a sheep as a lamb

    NO - No takeaways or anything today.

    EXTRA - Still on to do list - one day I will deal with this .... one day but not today

    OUTSIDE - Out walking in the country park.

    REPORT - I'm here.

    KINDNESS - I was very kind to a friend today but shouldn't really count as she would do the same for me.

    Happy Saturday night xx
    Debt free - Mortgage free - Work free ( in that order )

    NST November in New York 11/20
    • apple muncher
    • By apple muncher 10th Nov 18, 7:59 PM
    • 7,929 Posts
    • 60,093 Thanks
    apple muncher
    Plumduff - I love the idea of you gallivanting!
    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Saving Glut
    • By Saving Glut 10th Nov 18, 7:59 PM
    • 94 Posts
    • 681 Thanks
    Saving Glut
    NSDs: 6/15 Did spend some money today, I’m cheekily counting it as an NSD as it was foreign currency that I didn’t know I had. Slap my wrists if you want, but that won’t change my mind!

    Extra income: Remains at £163.23.

    Kindness:. Visited mum in Euroland as she had knee op two weeks ago. It was a flying, less than 24 hour visit, but was great to see her and baby brother.

    Eat those frogs: Great idea! Here are my current top three. 1. Complete tax return. 2. Advertise toys for sale (we retired from fostering earlier this year). 3. Order advent calendars for all my nieces and nephews which will be at my sisters birthday party next weekend.
    Last edited by Saving Glut; 11-11-2018 at 7:30 PM.
    IO BTL1 Mortgage was £97,963 on 09/08/18 and was £91,999 on 14/11/18.
    • plumduff55
    • By plumduff55 10th Nov 18, 8:07 PM
    • 491 Posts
    • 4,475 Thanks
    plumduff55
    Plumduff - I love the idea of you gallivanting!
    Originally posted by apple muncher
    I love this word as it perfectly describes my wandering in search of innocent pleasures ie shopping, blethering, people watching and anything rather than sitting at home xx
    Debt free - Mortgage free - Work free ( in that order )

    NST November in New York 11/20
    • apple muncher
    • By apple muncher 10th Nov 18, 8:20 PM
    • 7,929 Posts
    • 60,093 Thanks
    apple muncher
    And I was imagining you painting the town red, wearing purple, dragging a stick along the railings as you go past and generally having a good old knees up!
    NST November New Yorker #8; NSD 12/15; Ex 6/21 ; craft 50 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • plumduff55
    • By plumduff55 10th Nov 18, 8:26 PM
    • 491 Posts
    • 4,475 Thanks
    plumduff55
    And I was imagining you painting the town red, wearing purple, dragging a stick along the railings as you go past and generally having a good old knees up!
    Originally posted by apple muncher
    Ha Ha - maybe forty years ago
    Gallivanting has two meanings - I do the boring one xx
    Debt free - Mortgage free - Work free ( in that order )

    NST November in New York 11/20
    • crazy_cat_lady
    • By crazy_cat_lady 10th Nov 18, 9:07 PM
    • 4,127 Posts
    • 35,348 Thanks
    crazy_cat_lady
    Hello
    There are some big old frogs I need to deal with over this weekend, so thanks for the inspiration there mothernerd I also have a rather large elephant in needing to try and tackle my ex again about the divorce settlement but I am very reluctant with that.
    Didn't check in yesterday as I was too busy. Full day at work, then ds swimming lesson and our weekly shop. I was just too tired when I got home to get online, so a bit of tv and bed, although I didn't sleep that well. DS is still in with me at the moment and he's a bed hog.
    Not a nsd today either as I filled up with petrol on my way to tutoring. I was up and about early to take some washing to bestie's house (my machine is still broken), then earned some much needed £ at tutoring, then back to bestie's for a couple of hours.
    Swallowed a small frog with some marking, and also cleared the cupboard under the sink (for washing machine access) - still need to clear the tinned food cupboard (for further washing machine access) tomorrow. One thing at a time eh?
    Thinking of you this weekend Kerry Woman.
    November in NY #20 NSD = 9 1 debt vs 100 days £328.51/£1685
    DFD #1: 6 Nov 15 - paid £28,447
    • mothernerd
    • By mothernerd 10th Nov 18, 9:26 PM
    • 2,584 Posts
    • 27,292 Thanks
    mothernerd
    Thank you all for your generousity. I sometimes feel that I am being dragged further and further away from where I want to be.


    I am cleaning my oven. Put the stuff on and going back shortly to wipe it off. I will run the bath before I go to do it, then I can jump straight in when it's done - metaphorical jump that is. It's the absolute worst thing to do so even if I feel poorly tomorrow, I will have acheived something. Currently wheezing like an accordian even though I took many precautions.


    Floor is covered with a plastic 'tarpauline' with a flattened cardboard box and a spread out newspaper on top. hope to be able to bundle the whole thing together in one neat package (tarpaulin was used extensively during the house painting and has been in the garden for a couple of years).


    Today I am grateful for an old serial I have been watching, for na excellent film 4 I saw last night and that the fireworks are getting less (some people still seem to have some left).


    Oven is done and I've had my bath. oven clean was fairly successful - will look in daylight tomorrow and will be safe to put my head in for a look round. Oven bottom still has a fair amount of gunge I think.
    Last edited by mothernerd; 10-11-2018 at 9:57 PM.
    This year I will be fierce
    NST Nov #1 SFD 7/20 Food£99.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
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