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  • FIRST POST
    • misstara
    • By misstara 28th Apr 17, 11:16 PM
    • 2,358Posts
    • 16,336Thanks
    misstara
    May the (NST) force be with you
    • #1
    • 28th Apr 17, 11:16 PM
    May the (NST) force be with you 28th Apr 17 at 11:16 PM
    MoneySavingExpert Insert:

    For anyone new joining in, this is a No Spend Day challenge

    See misstara's challenge info below...

    ------

    Welcome to May's NST challenge . Star Wars day is May 4th but other than the title, this is not going to be Star Wars themed challenge I'm afraid

    I love May, it's my birthday month so obviously a fab month but it always feels as though spring is properly underway and turning into summer (I'll say nothing about the snow we had earlier this week!), days are continuing to get longer and everyone just seems a little happier. This month, I would like everyone to post daily gratitudes. I find it definitely helps my mood thinking about what I'm grateful for.

    EE asked us all to get out in the garden last month and I'd like to continue this for May. Anyone without a garden, try to spend a short while outdoors each day and get some vitamin D.

    We are now a third of the way through the year. For those of you who have been following this challenge for a while, in January I asked everyone to set goals for the year. I would like everyone to review those goals and see how much progress has been made. My goals for this year were to become debt free and run a 10k. I did a 10k run last weekend but debt busting has not gone so well. The debt continues to go down but I certainly haven't paid off a third of what I owe since January. In order to motivate myself, I am going to set myself a stretch target for this month and ask that you all do the same.

    Usual rules also apply
    - challenge runs from 1st May to 31st May
    - aim for at least 16 NSDs
    - pay to your debt/savings first
    - post daily if you can
    Last edited by MSE Andrea; 04-05-2017 at 1:19 PM.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
Page 15
    • greent
    • By greent 19th May 17, 8:58 PM
    • 6,196 Posts
    • 62,730 Thanks
    greent
    Urgh - I am being rubbish at posting on here this month I am keeping up with what everyone else is posting (every 2-3 days) but haven't had the energy to do much else. Work has been busy - unexpected extra hours will be lovely when the money comes in, but they take their toll in the meantime!

    Thankfulness:
    * extra hours at both jobs this week
    * support network in place meaning I've been able to do the above
    * my Washer dryer -the dryer part has been a necessity at times this week
    * scoring some great YS bargains in Tesc0 the other day
    * the great team I work with - makes such a difference!
    * finishing a good (easy read) book this week
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Next: BTL Mtge 12/16 £69786. 2017 OPs (#18) £4151/£3286
    Net sales 2017 £1152.39/£500 PAYDOX17 £11333/£10k Decluttered 1515/2017 items
    • Fmess
    • By Fmess 19th May 17, 9:43 PM
    • 2,516 Posts
    • 23,711 Thanks
    Fmess
    Wow Apple 35 sets of stairs!

    I'm really not myself at the moment. Had a moment last night where everything seemed too much because I couldn't decide what to have for dinner.

    Today I am grateful for:-
    - the lovely post office lady who didn't charge me today
    - working with my best friend
    - the sunshine this evening so I could walk the dogs in nice weather
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New Roof Debt £1425/£8542
    SeptNST #? SFD 1/18 Food 101.16/120 Personal 160/200 Petrol 50/100
    • mothernerd
    • By mothernerd 19th May 17, 10:05 PM
    • 2,027 Posts
    • 20,564 Thanks
    mothernerd
    Very busy day after only 6 hours sleep (following 28 hours awake).

    Spectacles mended and returned, taxi booked for Tuesday, went to doctor's - anti-depressant dosage increased and given a phone number to refer myself for CBT, DS3's self-assessment stamped ready to post (thought there was a box in the SM), food shopping at Icyland and Tosco. Broken the budget, taken taxis all day (was still out for four hours and was too wobbly to walk across the infirmary carpark so long walk was unrealistic) and very tired.

    Today I am grateful for our doctor's appointment system, for taxis (just couldn't have done it without them - even short journeys would have added hours) and hot baths (best substitute for not enough sleep). I am now going to sleep for as long as I want. Night night turtles.
    Building a rainbow of happiness and joy
    NST Sep #14 SFD 10/18 Spent £53.84/ £60
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
    • pippy1971
    • By pippy1971 20th May 17, 6:36 AM
    • 144 Posts
    • 862 Thanks
    pippy1971
    Good mornign all.

    Couldn't sleep and am behind with updating on here so I am making use of the quiet time...

    I don't think I will achieve 16 NSDs this month and its all down to bad planning.

    Thursday I had run out of cat food, so got that without checking if I needed anything else

    Yesterday I needed another couple of things, but being short on time, didn't have time to do my main shop, which means that today wont be an NSD either....

    Positives are that although the weather has been bad, I have resisted the temptation of the tumble direr by hanging out the washing indoors. I am also up to date with checking the bank, will be doing the park run this morning and am gardening al day tomorrow (weather permitting) so will add to my NSDs.

    Hope you all have a good Saturday.....
    NST June 2017: Jiggle Free June ..number 18
    The 365 day penny challenge £49.89
    1 debt vs 100 days challenge 26... #2
    • abundant1972
    • By abundant1972 20th May 17, 4:24 PM
    • 1,177 Posts
    • 8,597 Thanks
    abundant1972
    Afternoon everyone!

    A quick check-in today, but hope you are all doing well. I'm not liking this dull, grey, rainy weather we have been having - I want the sun back!!!

    Wednesday = spend day
    Thursday, Friday and today = NSDs = number 12

    Car nearly sorted - I should collect next week, and then will be able to work out my new budget in time for June. I got a car tax rebate, and my cheque for my old car cleared so that will all help.

    Weekend in. I am looking forward to next weekend as I'm off the BH and have some family visiting for a few days.

    Have a great Saturday!

    PS. Mothernerd - thank you! And yes... no backsliding for sure!!!
    Repay Car : Phase 2 : £0/£500 by 13/09
    Follow your heart & be true to yourself always
    Help To Buy ISA = £4683.65. EF = £1250/£4500
    NST Sept : NSD=1/16 : Food £25/£100 : Spends £25/£100
    365 Day 1p Challenge = £556.80/£667.95. £1.00 a Day = £273.00/£365.00
    Spiritual Practice =0/31. Exercise Sessions 1/14. Cash Bonus = £26/£150 + £267/£399
    • crazy_cat_lady
    • By crazy_cat_lady 20th May 17, 7:44 PM
    • 3,329 Posts
    • 28,590 Thanks
    crazy_cat_lady
    Lots of us struggling with sleep this month.
    Fmess - do you think it's teaching time of year? I'm really worn out and randomly much more tearful than I normally am. Everything is a real effort and I can't be bothered with anything much.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • x_raphael_xx
    • By x_raphael_xx 20th May 17, 8:34 PM
    • 3,376 Posts
    • 16,897 Thanks
    x_raphael_xx
    Spent this morning walking in the woods with the BF and the Pup. Racked up 13,000 steps on my fitbit.
    After lunch tiredness hit me and I had an hour & half nap. The rest of the day we've had a nice chill on the sofa.

    I need to pop into town tomorrow, my phone is playing up. It's randomly restarting, and sometimes gets stuck in a restarting loop. It was cycling thru a restart the whole time I was napping.
    I took it to the Apple store Thursday and they did a clean restore, so I think it's hardware rather than software. So tomorrow I'm off to my service provider to see if they'll get the phone fixed.
    I chose not to pay for insurance, so I'll wait and see what they say. An early upgrade will cost me £150.

    NSDs - 11/20.
    Go outside - A nice sunny 2 hour walk thru the woods.
    Daily gratitudes - Beating my brother in steps for a change.
    Debt Free as of 17/01/2009 Turtle Power!!
    - NSD's - /20
    EF Challenger #36 £800/£5050
    / Lose weight 20 / 30lbs
    • misstara
    • By misstara 20th May 17, 10:26 PM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    Yesterday was a spend day and today too so still at 12. I had the day off yesterday so went to the gym, did some gardening and then just pottered about the flat. Today I've been on a late shift, went to my friends sons birthday party earlier.

    Today I'm grateful for the party only being 2 hours long (love my friends wee boy but spending time with 10 over excited 7 year olds is a little too much for me ), a long lie this morning, being lazy (was planning to go for a run until I looked out the window), a good shift at work and the wee gin I'm planning to have when I get home.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • Fmess
    • By Fmess 20th May 17, 10:42 PM
    • 2,516 Posts
    • 23,711 Thanks
    Fmess
    Lots of us struggling with sleep this month.
    Fmess - do you think it's teaching time of year? I'm really worn out and randomly much more tearful than I normally am. Everything is a real effort and I can't be bothered with anything much.
    Originally posted by crazy_cat_lady
    Everyone at my school is the same. We've put it down to a short half term, so lots to cram in to a shorter space of time, none of our students are going on study leave, so we're all still running lessons plus revision sessions every lunchtime and evening and the increasing stress of the worry about how they'll do in their exams, and are they all coping with the stresses of exams. My sleep pattern is way off, I toss and turn and then wake up at 5 for no reason and can't stop feeling exhausted. (Sorry for the moan non-teachers!)

    Today I decided to simplify things and just had three goals - walk the dogs, cook a decent dinner and try to finish moderating the coursework for the exam board. I managed to do it all except for the pieces that schools forgot to send which I'll chase next week. Tomorrow will need to be my school work, cleaning and a family picnic

    I'm delighted to say I've just 'treated' myself to a new phone. I found a monthly deal I was happy to pay for through c4rph0ne warehouse and called my phone provider who matched it, saving me £380 compared to their equivalent 'deal'. The phone arrived today I had done sim only for a year after my contract was up but my handset was getting unreliable and I need it for examining and I don't have a landline.

    Hope you've all had a decent day weather wise. I was pleasantly surprised to get two good dog walks in, in between the showers.
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New Roof Debt £1425/£8542
    SeptNST #? SFD 1/18 Food 101.16/120 Personal 160/200 Petrol 50/100
    • apple muncher
    • By apple muncher 21st May 17, 7:54 AM
    • 6,301 Posts
    • 45,882 Thanks
    apple muncher
    Fmess and ccl - I really feel for you guys, especially being core subjects. Our pupils are on study leave, and my exam was last week, so I'm freed from the stress of continuing to teach them. It must be so unfair if your exam(s) are the later ones. Hugs to you both x
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Eager_Elephant
    • By Eager_Elephant 21st May 17, 9:08 AM
    • 4,079 Posts
    • 21,892 Thanks
    Eager_Elephant
    Its been a busy week and I haven't managed to get on here.

    Thurs was a spend day as DH 'needed' grass seed which I got (along with some sweets!!) and he hasn't even used it yet!!!

    Fri was also a spend as had charity bingo event - it was the funniest I have been to in a long time. Half way through a game the caller reset the bingo machine rather than continuing so we had to start again with same cards and mark off numbers which we had already marked off. I have never laughed so much!!

    Yesterday was a bit spendy as brought animal food for the next few months but managed to avoid all other shops.

    Am hoping today will be a NSD but will need to find a shop soon as fridge is looking very bare and I am nearly out of soya milk.
    Ninja Saving Turtle No. 20 for August
    NSD - 0/18
    (up to 01/09/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • crazy_cat_lady
    • By crazy_cat_lady 21st May 17, 9:23 AM
    • 3,329 Posts
    • 28,590 Thanks
    crazy_cat_lady
    Morning
    Up since 6 and I've done 3 hours of school work - which hasn't included book marking. Our school is the same - no study leave, and in the exams that they have done they're now tagging along to extra lessons in the core subjects. So one lesson last week I had my usual Year 10 class plus another 14 Year 11 doing revision. It is exhausting. Last exam is 23 June (I think) so still a way to go yet.
    I'm torn today as to whether or not to do a pyjama day or make the effort to get dressed and walk into town with ds - he needs some batteries for something. I'll see how I feel as the day ticks on - I still have books to mark and washing to do, and I should do a bit of cooking as well. I don't feel great, I think I can feel a cold niggling, so I'm going to see how I feel.
    I am very grateful though that I got a fairly decent night of sleep last night. It makes a change
    ...
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • x_raphael_xx
    • By x_raphael_xx 21st May 17, 12:10 PM
    • 3,376 Posts
    • 16,897 Thanks
    x_raphael_xx
    Up nice and early today (BF had to work) so I took pup for his morning walkies, then headed into town for a gym session & then popped to the O2 shop to see what they could do about my phone.

    As it is out of warranty it would have cost me around £230 to send it away for repair. My early upgrade was £150 so I took that option. £20 for a new iPhone 6 and £18.74 for a case (staff let me use his staff discount).

    So an expensive day for me, but I cannot keep using this phone for the next 7 months until my upgrade. It spent an hour last night in a restart loop, and this morning I was happily listening to my podcasts & it shut down.

    My tariff has increased from £29 a month to £36 but I now have unlimited calls & texts and 3gb of data (I was on 1gb and would usually run out a week before my bill date)

    NSDs - 11/20.
    Go outside - A walkies, a gym session and a stroll thru town. Got my 10,000 steps already today.
    Daily gratitudes - A phone that works. #firstworldproblems
    Last edited by x_raphael_xx; 21-05-2017 at 12:48 PM.
    Debt Free as of 17/01/2009 Turtle Power!!
    - NSD's - /20
    EF Challenger #36 £800/£5050
    / Lose weight 20 / 30lbs
    • apple muncher
    • By apple muncher 21st May 17, 7:41 PM
    • 6,301 Posts
    • 45,882 Thanks
    apple muncher
    Today I am grateful for good bus connections, for good company, for very good food indeed, for there being a gf/df option for dd, for a lovely walk with dd this afternoon, for the washing drying outside, for the sheer greenness of where we live, for the daisies covering my lawn (and making me feel a little less guilty at not mowing it, again), for my new socks still making me happy, for being able to take the weekend off marking/moderating to spend time out and about as a family.
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • mothernerd
    • By mothernerd 21st May 17, 7:49 PM
    • 2,027 Posts
    • 20,564 Thanks
    mothernerd
    NSDs for yesterday and today. Washing done, half a green bin full of weeding, cushion nearly complete (apart from making up). Need to write a to do list for the week (too many bits of loose paper atm) and do a proper food audit.

    Today I am grateful for lovely weather, for making progress, for water and apples.
    Building a rainbow of happiness and joy
    NST Sep #14 SFD 10/18 Spent £53.84/ £60
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
    • abundant1972
    • By abundant1972 21st May 17, 7:51 PM
    • 1,177 Posts
    • 8,597 Thanks
    abundant1972
    Evening everyone!

    Totally lost all track of time today, and thought it was about 3pm... 19:45!!! Haha! I was reading in the sun - bliss!

    Today = NSD number 13

    Hugs to all the teachers (Fmess, CCLady and anyone else I missed!) You do an amazing job, and make such a difference in the lives of young people.

    Half way through 'Contented Dementia' and finding it helpful. I'm going to start putting it into practice and speak to my brother/sister/dad about it too.

    Early night for me, so will catch you all tomorrow x
    Repay Car : Phase 2 : £0/£500 by 13/09
    Follow your heart & be true to yourself always
    Help To Buy ISA = £4683.65. EF = £1250/£4500
    NST Sept : NSD=1/16 : Food £25/£100 : Spends £25/£100
    365 Day 1p Challenge = £556.80/£667.95. £1.00 a Day = £273.00/£365.00
    Spiritual Practice =0/31. Exercise Sessions 1/14. Cash Bonus = £26/£150 + £267/£399
    • pippy1971
    • By pippy1971 21st May 17, 8:38 PM
    • 144 Posts
    • 862 Thanks
    pippy1971
    NSD #7

    Today was entirely spent doing housework and gardening. Exhausted but feel like a lot has been achieved......

    Not looking forward to going back to work tomorrow as there are loads of things I am desperate to get on with and another week at work means trying to do them all when I get home.

    I still have the budget to do, I need to plan what to get for my daughters birthday, there are several trips to the dump to do with all of the garden waste we've produced and also trips to the charity shop....

    Hope all of the fellow NST's working in schools have an easier week....
    NST June 2017: Jiggle Free June ..number 18
    The 365 day penny challenge £49.89
    1 debt vs 100 days challenge 26... #2
    • misstara
    • By misstara 21st May 17, 9:15 PM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    Today I'm grateful for a NSD (13/16), a beautiful sunny day, a good shift at work, yummy roast beef for tea plus leftovers to look forward to tomorrow night, my neighbour kindly watering our plants at the same time she did hers and catch up TV.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • Calling14
    • By Calling14 22nd May 17, 2:21 PM
    • 2,480 Posts
    • 18,457 Thanks
    Calling14
    Hi everyone.

    Was determined not to spend today but developed toothache so ended up buying some sensitive toothpaste and drowning it with it. Think its the one I need a crown doing on so hoping it settles done for a month or two.

    Only up to 9/15 SFD this month. I seem to be doing my shopping in dribs and drabs lately ran up about 80 pounds on food. Think I will do a big shop soon as my cupboards need replenishing, my freezer is pretty full but my wine rack is low.

    Nothing much to report did a primany shop yesterday just over 20 pounds and needed fuel. Somehow had accident with my petrol cap and snapped it off. Well the cover that lies flush with the car - no idea what I will do about that.

    Grateful for
    Hot weather arriving this week
    Tooth calming down
    Bank holiday next weekend to look forward to.
    LBM 13039 1.1.13 NOW 1460
    PAYDBX 2017 #16 2840/4300 DFD 12/17
    E
    Fund #9 £120/£1,000
    1 x 100 days challenge 50/2000 ends 29/12/17


    • crazy_cat_lady
    • By crazy_cat_lady 22nd May 17, 2:29 PM
    • 3,329 Posts
    • 28,590 Thanks
    crazy_cat_lady
    I'm off the scale poor in terms of nsd's this month. I keep spending a pound here and there - today I'll need some anti histamine cream for a rash on my arm that's bothering me somewhat.
    Other than that I am doing ok - still busy, still tired.
    But I have gratitudes - my books are marked up to date. And it's only 4 days until half term
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
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