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  • FIRST POST
    • mothernerd
    • By mothernerd 29th Oct 18, 4:20 AM
    • 2,582Posts
    • 27,243Thanks
    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£59.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
Page 17
    • lcc86
    • By lcc86 10th Nov 18, 9:33 PM
    • 1,103 Posts
    • 4,213 Thanks
    lcc86
    Don't mention recycling, it's a dirty word in my house, our council have only just sent a letter saying we're finally getting recycling bins (3 years late!). I always take our recycling to the depot, will be glad not to make that trip any more!

    Not a NSD today, needed some housey bits and some food, only spent £10 in total and that included a toothbrush so happy with that. Noticed that the strap on my fitbit is breaking so will have to replace soon.

    Managed a gym class today, hoovered and cleaned the spare room (where the house rabbits sleep ) now just chilling watching a film with OH.
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    £720/£1000 EF £470 saved for household jobs
    Debt free and in the black for the first time in 11 years
    • XSpender
    • By XSpender 10th Nov 18, 9:50 PM
    • 3,124 Posts
    • 32,066 Thanks
    XSpender
    NSDs - 3/10 spent today on a seat belt for the dog, poo bags and a dog treat and tea and cake when out with DH and DS

    ORGANISE your time - Well the idea of bath bombs for my friends daughter bombed when I remembered they don't have a bath! Started on my Christmas planning lists in earnest.

    Thanks for the inspiration around frogs mothernerd, I have made a new spread in my Bu-jo and have 3 on the list so far. Including writing to an old pension company and re-investing a savings bond belonging to DS. I think I need a separate 1 for the house as I have several niggly jobs that need finishing

    VALUES - More pennies TT'd and put the change from my purse and a £2 coin in the savings pig

    ENJOY yourself – visited my favourite place today. Beautiful with autumn colour and the sun was shining,

    MAKE an inventory not started yet

    BUDGETS – YNAB updated. I wish the pay at pump machines showed up quicker on my on line banking so I could balance the books!

    EXERCISE - 2 hour walk, first hour steep uphill

    RULES – sticking to 'em

    IN case of emergency – still need screewash and a fleece in car

    Stock up with generic painkillers, cold and flu meds – need some lemsip and a woolly hat for me!

    NOW – not great eating today (3rd evening with no real dinner) I can tell I am losing weight as my clothes are looser

    NO takeaways – Tea and cake out but budgeted for

    EVERYONE Aiming for June 2021 (while I'm still 50) at the latest

    EXTRA income – None

    WINTER proof your home – Hive schedule still to be set but new pump and door sausages making a real difference to temperature. Need to rehang dining room and breakfast room curtains

    YOU should cook from scratch - cheese on toast was as good as it got today

    OUTSIDE – walk at a NT site, even had my tea and cake outside as we had the dog with us

    REPORT – here I am!

    KINDNESS - lots of chats with other dog owners today who were admiring the dogs remembrance bandana
    CC 1 - £1000 CC2 £12,591.44 Furniture £1629 Carpets £1103.36 (23 months left) - Total at 5/11/18 £16,323.80 all at 0%

    Small EF 100% Big EF 0% Holiday 0% Garden 0% Carpets SIF Fund £84.03
    • Wanna Bee Free
    • By Wanna Bee Free 11th Nov 18, 9:29 AM
    • 1,277 Posts
    • 11,453 Thanks
    Wanna Bee Free
    Kindness: Large, heavy pile of books carried to CS
    NSDs: No more to report - spotted a lovely gift in the charity shop for Christmas. Last week there were lots of good intentions. No point beating myself up. Onwards and upwards.
    Mothernerd, thanks for Frogs and Elephants.
    I think my food inventory which I still haven’t done will be today’s frog.
    Save 12K in 2018 #12 - £8,725/£12,000 72.7%
    Cutting Down Alcohol: November 0/10 October 5/10 September 15/10
    2018 73/150 48.6% (2017:106|2016:83)
    2018 No clutter to be seen - 167/630 26.5%
    • f0xh0les
    • By f0xh0les 11th Nov 18, 9:47 AM
    • 1,876 Posts
    • 16,152 Thanks
    f0xh0les
    NSD 6 in the bag (in December it will have to be ' in the sack' I feel)
    Did spend on club T Shirts, but took out the cash on my last spend day and had it sitting on the mantle ready for it.

    Just had a chill out day, the kids were being horrid, so I went off and had a bath for 2 hours while DH dealt with it. He made lunch (spinach fatayer) and I made supper (biryani), all store cupboard basics. So a good day for teamwork.
    Reading my book and doing laundry today, and one kid has an eye test so may get a ys bargain to boot.

    Cashing out survey bits and bobs at the end of the month, might treat myself to a whole new dinner service (are they still called that?) Getting close to £90 of ambient earnings already.

    Tbh, I would just like stuff that vaguely matched, and I had enough of.
    Then my stuff can go to someone with maybe a smaller family.
    It would work wonderfully for a family of 3 or 4.

    Anyway, enough rambling - my frog is to paint the hall and living room ceiling coving. It will not even take much time, but it is all overhead arm waving up a ladder. Will aim to have all painting jobs finished by 30 November.
    Christmas does not smell like paint fumes!
    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
    • mothernerd
    • By mothernerd 11th Nov 18, 11:19 AM
    • 2,582 Posts
    • 27,243 Thanks
    mothernerd
    Day 11 inspiration
    Day 11


    When you naturally have a healing aura, you attract a lot of damaged people and having them in your life could drain your energy to the max. A reminder that it is not your job to heal everyone that you encounter. You can't pour from an empty cup. Take care of yourself first.


    Some People Survive
    Some people survive and talk about it. Some people survive and go silent. Some people survive and create.Everyone deals with unimaginable pain in their own way and everyone is entitled to that without judgement. So the next time you look at people's lives covetously, remember....you may not want to endure what they are enduring right now, at this moment, whilst they sit so quietly before you, looking like an ocean on a calm sunny day. Remember how vast the ocean's boundaries are. Whilst somewher the ocean is calm, in another place, in the very same ocean, there is a colossal storm.
    Nikita Gill


    Times of isolation are important, recharge and create space to understand yourself without any outside influences.


    RECOVERY
    Realising that you're worth it
    Experiencing true happiness
    Caring about yourself
    Overcoming your own demons
    Validating your worth
    Eating without regret
    Relapse - it's going to happen, it's inevitable and that's okay
    Yearning to live


    Sometimes you just need to talk to a four year old and an 84 year old to understand life again
    Kirsten Butler
    This year I will be fierce
    NST Nov #1 SFD 7/20 Food£59.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
    • sashanut
    • By sashanut 11th Nov 18, 11:31 AM
    • 2,978 Posts
    • 27,721 Thanks
    sashanut
    No 15 checking in
    Hi all


    Just a quickie as we leave Kilkenny for West Cork... It's been .... Interesting to say the least. Got up fine on the second day but within 15 mins had severe pain in r side which didn't ease. Woke up DH who then called reception for a doctor sadly doctor finished at 8 & no-one on call till 9, sadly it was 8.15

    And that point they called an ambulance & soon 2 lovely paramedics arrived. After lots of tests they decided to take me to hospital so I was stretchered out past reception... Attached to a drip.

    Wearing a nightdress socks ( no shoes) then spent 7.30 hours in emergency department. All lovely people but it was freezing cold in there . Lots tests determined a kidney stone... Eventually returned to hotel with no shoes etc in taxi raining this time. People arriving for a posh function were quite surprised to see such a sight although I was wrapped in DH coat but still in nightie & wet socks

    Note to self make sure to have at least some clothes when taken ill..


    More later folks related to the challenge. No NSDs lots of eating room service etc but needs must.
    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
    • mothernerd
    • By mothernerd 11th Nov 18, 12:41 PM
    • 2,582 Posts
    • 27,243 Thanks
    mothernerd
    Well, it's not every day you get woken up by a brass band (probably silver prize) playing out side - thought I was the queen for a minute. The joys of civic Town Centre living.



    NSD 6 in the bag (in December it will have to be ' in the sack' I feel)
    Did spend on club T Shirts, but took out the cash on my last spend day and had it sitting on the mantle ready for it.

    Just had a chill out day, the kids were being horrid, so I went off and had a bath for 2 hours while DH dealt with it. He made lunch (spinach fatayer) and I made supper (biryani), all store cupboard basics. So a good day for teamwork.
    Reading my book and doing laundry today, and one kid has an eye test so may get a ys bargain to boot.

    Cashing out survey bits and bobs at the end of the month, might treat myself to a whole new dinner service (are they still called that?) Getting close to £90 of ambient earnings already.

    Tbh, I would just like stuff that vaguely matched, and I had enough of.
    Then my stuff can go to someone with maybe a smaller family.
    It would work wonderfully for a family of 3 or 4.

    Anyway, enough rambling - my frog is to paint the hall and living room ceiling coving. It will not even take much time, but it is all overhead arm waving up a ladder. Will aim to have all painting jobs finished by 30 November.
    Christmas does not smell like paint fumes!
    Originally posted by f0xh0les

    Struggled with the 'in the sack' for a moment as my mind immediately went to something else.


    With the plates (do you really need all the additional bits and bobs) the trick is to pick a colour scheme and stick with it - have seen 'Christmas' tables in posh magazines done in all blue and white (lots of cheap'willow pattern imitations) and deep (apocathary jars) blue glasses collected from charity shops.


    When I first got my house my china came from a charity shop and was all plain pale blue. A friend came to stay with me briefly and she laughed at it - recognised it as the stuff from the cookery room at her old school (in the days when setting the table for a 'proper' dinner party was part of the exam).


    I also had a beautiful wedgewood dinner service in deep chocolate brown collected over several years (mum would buy me some as Christmas and birthday presents) but the ex managed to destroy most of that - in a house full of cheap cups and jugs why would you use an irreplaceable milk jug to weight a paper lampshade whilst it was expanding to its proper shape and then head butt it (making the jug fall and smash) next time you went in the kitchen.


    For a few years I stuck with plain (usually white) heavy plates - I'm happy as long as I have enough plates and bowls and other bits (cow creamer etc) can usually be obtained in white and just bought another batch when we were down to 3 or so.


    After my divorce (and consequent loss of employment as we had our own business) we had the hand me down years. Mum would pass on furniture that any of her partner's offspring were chucking out (I was 50 before I went to a shop and bought 2 brand new sofas for the first time ever) frequently without consulting me.



    With small boys you get lots of breakages and mum again turned up with a pile of about 20 plates from someone who changed their whole house often (the walls must get dizzy from being knocked through, doors added then taken away again) and just put the spares in their garage. Mainly oatmeal with a brown pattern, oatmeat with a brown outer edge, plain(ish) brown and brown with orange and yellow flowers. I went off brown but had to be grateful at the time.


    Eventually got a job and went back to plain (usually blue or white) plates - woolworths still did them in packs of 6 plates, bowls and cups and sold extras singley, nowadays 4 settings is standard. Again the box set was usually part of my Christmas present.


    One weekend DS2 was having a sleepover (just a couple of extra friends). On the Sunday I offered to do a 'full breakfast' (brunch time as they had been left to sleep) whereupon he started to phone other friends and invite them to the brunch (plus the lad from the end house came round and invited himself). I had to stop mid-cook and go to little Arseda as I didn't have enough plates.


    When my brother died I treated myself to some of TG Green's 'Domino pattern, again in blue - it's spotty rather than the more well known cornishware stripes. An ecletic mix of new, old and a few antique bits (all from the bay of e). I still have quite a few plates (2 sizes) but only one bowl so am back to supplementing with plain white pasta bowls.


    Beloved came with a 'fully equipped' kitchen (so we ended up with doubles of some things but she was missing some basics). I put my things away and filled the cupboards with theirs. Never decided whether their plates and bowls (from the swedish shop) are dark brown or deepest aubergine. Not keen on them - like the 70s trend for avocado coloured baths (and some other colours including dark brown) they don't always look clean after they have been washed.


    When I put mine away, I said that that way, when they got their own home (ie when I build them a hobbit hole in the back yard or get a glorified garden shed and move out myself) and took their things, I could get mine out and it would be like having new again. Due to usage patterns - they use them but don't clean them - mine have crept into service again along with things like utensils (she tried to throw away one of my wooden spoons, not realising the deep yellow patina came from years of being used to make curry).


    Could definitely do without all the glasses they keep buying (they might not be able to find them because I put them away in cupboards). Spent months getting rid of all the ones DS2 left, paring down to a couple of pint barrels for DS3 to drink cordial from and 5 recycled emerald green wine glasses mum brought me back from a holiday supplemented (were 6 originally) by 3 more from a cs.


    Will stop boring you all now. As some of you know, when I'm feeling good, you get massive epics detailing the minutiae of my life, when I'm going down (or crashing) I go quiet (I don't like to bore people).


    Shoulder is really painful today (as expected). Had baked potatoes n the early hours and poured the last half inch of some really nasty stuff onto the oven floor and moved a few things onto shelves. Going to rest a while longer but want to finish the oven (cleaner says don't use outside but I've had wonderful results from laying the oven shelves and any baking trays made from suitable materials on binbags, spraying and leaving them to work) and do the fridge (another frog - it had a beetroot accident) and do what else I can with gentle pottering - clear a bit, clean a bit.


    Want to rearrange shelves, especially the long one in the kitchen (more long ones under the stairs - I cannibalised DS1's old Japanese bed, netted me some nearly 8' lengths). The one in the kitchen is in a tempory position (held at one end by the under stairs shelves and at the other by a tiny step stool). It should really be (roughly one storage jar width) under the kitchen cabinets with a rail suspended beneath (part rail in place but hanging from cabinets) to hold pans utensils, spice racks etc.
    Last edited by mothernerd; 11-11-2018 at 12:53 PM.
    This year I will be fierce
    NST Nov #1 SFD 7/20 Food£59.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
    • chocolatelover93
    • By chocolatelover93 11th Nov 18, 12:53 PM
    • 758 Posts
    • 4,078 Thanks
    chocolatelover93
    Day 11
    Hello everyone!

    Forgot to say yesterday thank you all for the birthday wishes I had a lovely day

    So on to today, woke up and could barely more pain in my back is getting worse. I can't take any tablets other than paracetmol which I don't think work anyway! I've been taking codine since Thur and had a withdraw head ache yesterday so not taking any more today. I was told by the pharmacist (when I asked for strongest pain meds haha) that I shouldn't be taking Ibuprofen because with the antidepressants I am on it could cause internal bleeding! So I have no idea what to do now, haven't got the money for any more heat packs so will just be my microwavable one and a hot bath when I get home I think!!

    NSD - 3/15 will be 3 today as left my purse at home and finish work at 4 so no chance I can pop anywhere to buy anything. Plus I'm skint so I can't anyway haha.

    ORGANISE - Going to get a bit of housework done after work before my son gets dropped off by his dad.

    VALUES - Not spending anything today!

    ENJOY - Will enjoy lots of cuddles with my son when he gets home, will probably be bath, iggle piggle, cuddles and bed

    MAKE AN INVENTORY - Had bacon sarnie this morning for breakfast, salad for lunch and left over casserole for dinner but I have no potatoes to have with it so may have to have rice haha that'll go? lol

    BUDGETS - No spending

    EXERCISE - None

    RULES - I'm getting there.

    ICE - All done

    NOW - So I have some choccie in from my birthday still so I have been scoffing that but meals have been better. I have my first week weigh at SW Tuesday so dreading that a bit.

    NO - None today.

    DEBT FREE -

    WINTER PROOF -

    COOK FROM SCRATCH - All from stores and from scratch

    OUTSIDE - None today

    REPORT - Hello

    KINDNESS - Cuddles with my son when he gets home and may let him have a little bit of choccie as a treat

    C xx
    Debts:
    £520/£3326.55 Credit Card 0%
    £47.44/£260.92 Sofa 0%
    OCT NSD 3/15
    • apple muncher
    • By apple muncher 11th Nov 18, 1:56 PM
    • 7,922 Posts
    • 60,018 Thanks
    apple muncher
    Ouch sashanut - hope things improve soon!

    Mothernerd - I always enjoy reading your posts, especially the ones with the minutiae in. Please don't stop posting them - you are not boring! Pleased to hear that you were woken by a quality brass band. All the church bells were rung across the country at 12.30 today so at least you were awake for that.

    chocolatelover - do you know what is causing the back pain? Hope a hot bath helps (so long as you can get out of it again!)

    f0xh0les - how did you manage a bath for 2 hours? Were you a wrinkly prune afterwards?
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • chocolatelover93
    • By chocolatelover93 11th Nov 18, 2:38 PM
    • 758 Posts
    • 4,078 Thanks
    chocolatelover93
    Applemuncher

    Yeah, it's a whiplash injury from a couple of months ago, it comes and goes but I thinking picking my son up the other day has triggered it again. I've been getting headaches too, I may go to the doctors tomorrow.
    Cxx
    Debts:
    £520/£3326.55 Credit Card 0%
    £47.44/£260.92 Sofa 0%
    OCT NSD 3/15
    • dolly84
    • By dolly84 11th Nov 18, 4:08 PM
    • 4,072 Posts
    • 37,643 Thanks
    dolly84
    sashanut - get well soon, and same to any other poorly people.


    Was going to go cycling this morning but it was raining heavily so I did some cooking instead. Helped DD make a batch of blueberry muffins for lunchboxes, made DH a tuna and onion quiche to take for his lunches for two days and put a sausage casserole in the slow cooker.


    Tea today is chickpea curry, brown rice and hm flatbreads.


    Have walked the dog, taken two mattresses to the tip (feel bad about this but they have been with us a long time) and visited mum. Haven't done any real exercise but did a long run yesterday.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • Toni'sfriend
    • By Toni'sfriend 11th Nov 18, 4:29 PM
    • 1,681 Posts
    • 16,188 Thanks
    Toni'sfriend
    NSD 9/11 AFD No 11

    It's been a cold, wet, windy day here and I'm ashamed to say I've done nothing apart from cook the dinner.
    • Shrewbie
    • By Shrewbie 11th Nov 18, 5:48 PM
    • 90 Posts
    • 914 Thanks
    Shrewbie
    Whoops no NSD for me. Still on 4/20. Didn't spend all day but as I was walking home (from BF house) I spotted my housemates sitting outside the bar opposite our gaff and stopped for 2 glasses of wine = €3 because the friendly waiter undercharged us. Housemates were rather tiddly from a long lunch so I could've got drawn into all kinds of nonsense but stopped myself.

    Hope everyone had a lovely weekend, sending healing vibes to those who need them!
    CC £0/£2476 OD £0/£502
    Savings £0/£7,000

    New York NST November NSD 8/20
    • crazy_cat_lady
    • By crazy_cat_lady 11th Nov 18, 6:02 PM
    • 4,126 Posts
    • 35,315 Thanks
    crazy_cat_lady
    Really pleased to have bagged another nsd today. Everything feels a bit all over the place in my life at the moment so it's good to try and hang onto the little things.
    Sashanut and chocolatelover - hope that you are both on the mend very soon.
    Mothernerd, I'm with apple in that I love reading your posts - I always find them interesting and inspiring.
    November in NY #20 NSD = 9 1 debt vs 100 days £328.51/£1685
    DFD #1: 6 Nov 15 - paid £28,447
    • Kerry Woman
    • By Kerry Woman 11th Nov 18, 7:10 PM
    • 2,530 Posts
    • 24,812 Thanks
    Kerry Woman
    Sending hugs to those in need of them.
    Was a spending day. E.g. cab from airport to hotel and brought a silver claddagh ring. Did a hope on hope off bus tour of Belfast.
    Going to have an early night as had a really bad night's sleep.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    Nst november in new york NSD 8/20
    • apple muncher
    • By apple muncher 11th Nov 18, 7:47 PM
    • 7,922 Posts
    • 60,018 Thanks
    apple muncher
    Have a lovely time away, kerry woman!

    Today I am grateful for the remembrance service at church, for lovely listening friends, for the many and varied clouds in the sky, for all the autumnal colours, for my throw-it-together soup turning out all yummy, for calling dh's mum, for my sewing machine, for lists.
    NST November New Yorker #8; NSD 8/15; Ex 6/21 ; craft 42 (196); remove 16 (653)
    2018 Pay off: £4509; 2
    018 sell £55.10; WLOSW 3/10

    Mortgage £18,634 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Saving Glut
    • By Saving Glut 11th Nov 18, 8:20 PM
    • 93 Posts
    • 656 Thanks
    Saving Glut
    NSDs: 6/15. Bought sister a present for her 40th. Found good reduction on third website I found it on. I will find out tomorrow if I secured free delivery and 5% cashback, hope sis likes my choice.

    Extra income: £182.26 (includes cashback not accounted for previously and which will go toward mortgage op, when I learn how to claim it!).

    Kindness: Packed two handbags of toiletries for women’s charity: Handbags with Dignity.

    Eat those frogs:
    Frog #1 has been eaten! Spent quite a longtime advertising toys I decluttered last week. I do hope at least some of these sell as I did forgo a cycle on a beautiful day to do so! However, it feels good to at least have tried.
    Frog #2: Complete taxes, so close but not there yet!
    Frog #3: Buy advent calendars for nieces and nephews. Have found fun ones for younger ones, teenage boys and adult female are a less so!
    Last edited by Saving Glut; 11-11-2018 at 8:22 PM.
    IO BTL1 Mortgage was £97,963 on 09/08/18 and was £91,999 on 14/11/18.
    • lcc86
    • By lcc86 11th Nov 18, 8:44 PM
    • 1,103 Posts
    • 4,213 Thanks
    lcc86
    Evening all,

    Hugs and well wishes to those who need them, sounds like a few people are in the wars!

    Another NSD here, I think I'm up to 8 now. Halfway to my target spent the morning volunteering, getting nice and cold and wet, but then when the sun came out it was too hot what with all the layers I was wearing! A good morning all in all.

    Then went riding, only went in the school today as I wasn't sure whether it was going to tip it down. Luckily it didn't, it was actually a nice ride even though it was shorter than normal.

    Had a nice bubble bath, washed my hair too so no longer stink of wet horse (it's an interesting smell). Didn't cook from scratch, just chucked a few things in the oven but I always say volunteering days are cheat days because I'm always knackered! In bed already. Have another week off before I start the new job, going to try and make the most of it.

    Been thinking about values and what I want to achieve next year. Spend wise we need a few things done in the house, I also want to save over and above my EF target of £1,000. OH wants a new sofa (he's always said ours is uncomfy and sadly I have to agree) but I don't want to spend a fortune. I also think we may need a bigger bed due to my chronic back pain. However I'm going to try a few things first to see if that can be avoided! But if push comes to shove I'd rather have a decent night's sleep and spend the money!
    Last edited by lcc86; 11-11-2018 at 8:47 PM.
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    £720/£1000 EF £470 saved for household jobs
    Debt free and in the black for the first time in 11 years
    • mothernerd
    • By mothernerd 11th Nov 18, 9:02 PM
    • 2,582 Posts
    • 27,243 Thanks
    mothernerd
    Kitchen is not clean but is clear ie I can see the worktops and the stove top (oven bottom has had two more loads of stuff on and is the best it's been for a while - better than last few times it was cleaned). Oven shelves and one baking tray have been sprayed and left outside - if it rains I won't even need to clean them.


    Copious amounts of stuff have been swept out from under the table, some fallen off the table (put for washing, some recycling and three large dustpans of rubbish.



    Lots of stuff for all the bins. No danger of running out of food tubs any time soon - found the 2 bags of 'best ones' I set aside last time I sorted them and about 30 currently all over the dish rack and draining board - when they have dried I will pair them off and discard any laftovers.


    More clothes dried and piled up (brought mine upstairs). Currently eating a microwave curry with 2 ys naan bread. Have been shopping. Of the 40 items I bought, 14 were full price but needed - tomato puree, barley for stew, bread for mum (wraps were ys to 10p a pack so grabbed the pile - will freeze them and use as needed), 3 x 17p 2l fizzy water.


    My ys 10p bargains included 4 baking potatoes, 2 bags of parsnips, 2 bags of mixed veg. Bought lots of ready chopped onions - chilled were cheaper than frozen.


    Keep your fingers crossed that Beloved doesn't wake up, see the clean pans and clear stove top and decide that she will cook.


    Today I am grateful for ready chopped onions, making a big difference to the state of the kitchen and ys bargains. Bath time for me.


    ICc check out bhf large shops - they have excellent quality furniture and electrical goods - they are fairly spread out but will deliver within a certain radius. CS which sell furniture are very fussy about what they will accept these days - usually new or as good as.
    Last edited by mothernerd; 11-11-2018 at 9:06 PM.
    This year I will be fierce
    NST Nov #1 SFD 7/20 Food£59.03/£180 Travel £3.20/£12 Ent/diy £14/£12 Ext DS3 bed and mattress
    No Debt No mortgage
    • the cross rabbit
    • By the cross rabbit 11th Nov 18, 9:32 PM
    • 207 Posts
    • 1,202 Thanks
    the cross rabbit
    NST will aim for 15. 6/15

    ORGANISE your time. Will try and find a balance between studying,household chores, family time and me time.done some studying, households chores and spent family time today

    VALUES. Ultimate goal is to continue to OP the mortgage but to keep in mind ethical, environmental and family values. Decided to go and check out iceland next week,DH even on board with us changing/banning certain foods stuffs (palm oil related). Will start with things that aren't essential ie biscuits and move onto more essentials like bread.

    ENJOY yourself. Try and do something everyday that I enjoy. Drove into the national park to hunt for the beacons that are been lit to commemorate Armistice day
    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

    EXERCISE will aim to walk for an hour everyday with the dog.walked and litter picked with DD1

    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.

    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. 2/5 leek and pot soup with homemade bread (mum made the bread)
    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.
    CRx
    Mortgage £82,000, due to end July 2036. 4/11/18 Mortgage £79,872.13
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