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  • FIRST POST
    • misstara
    • By misstara 28th Apr 17, 11:16 PM
    • 2,174Posts
    • 15,133Thanks
    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 190.42 (98.2% paid)
    New flat debt Jan 2017 2302.75 Now 1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target 147.84/150. NSD target 15/16.
Page 1
    • misstara
    • By misstara 28th Apr 17, 11:18 PM
    • 2,174 Posts
    • 15,133 Thanks
    misstara
    • #2
    • 28th Apr 17, 11:18 PM
    • #2
    • 28th Apr 17, 11:18 PM
    1 misstara
    2 Lauralozzle
    3 Jo Blogs
    4 greent
    5 Needhelpsaving
    6 Toni's friend
    7 Fmess
    8 Eager_Elephant
    9 x_raphael_xx
    10 f0xh0les
    11 498louise
    12 ilovetea
    13 crazy_cat_lady
    14 Ladykernow
    15 mrshubbard
    16 FurryBeastOz
    17 mothernerd
    18 apple muncher
    19 Skint Teacher
    20 swimminginaseaofdebt
    21 abundant1972
    22 bizzie
    23 pippy1971
    24 Chasing Sunshine
    25 Calling14
    26 indigowarrior
    Last edited by misstara; 06-05-2017 at 3:31 PM.
    Debt at LBM Jan 2014 10458.09 Now 190.42 (98.2% paid)
    New flat debt Jan 2017 2302.75 Now 1758.22 (23.6% paid)
    Mini Targets
    Exercise target - 7/12. Groceries target 147.84/150. NSD target 15/16.
    • Lauralozzle
    • By Lauralozzle 28th Apr 17, 11:46 PM
    • 375 Posts
    • 2,943 Thanks
    Lauralozzle
    • #3
    • 28th Apr 17, 11:46 PM
    • #3
    • 28th Apr 17, 11:46 PM
    I'm in for May
    May grocery challenge 183.38/250 | Emergency 1,000 challenge - 500/1,000 | May NSD 3/16
    Credit Card: PAID | Car Finance: 9,551 (7.9% APR) | Mortgage: 112,471 (3.99% APR)
    Wedding Fund: 2,669.06
    • Jo Blogs
    • By Jo Blogs 29th Apr 17, 1:06 AM
    • 647 Posts
    • 2,049 Thanks
    Jo Blogs
    • #4
    • 29th Apr 17, 1:06 AM
    • #4
    • 29th Apr 17, 1:06 AM
    I;m in for May, too
    Saved Nitty Gritty 3895.25 [77.91%] / 5000-[June] 1592.56 for the 'Save 12k in 2017' #157
    2017 Womble #35 3265.97 May NSDs 24/15CCCChl 21/52 weeks
    May PPChl#002 Pts 119
    • greent
    • By greent 29th Apr 17, 7:54 AM
    • 5,809 Posts
    • 58,707 Thanks
    greent
    • #5
    • 29th Apr 17, 7:54 AM
    • #5
    • 29th Apr 17, 7:54 AM
    Thanks, misstara! I'm in, please!
    x
    Repaid mtge early (orig end 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 up: BTL Mtge 12/16 Bal 69786. 2017 OP target (#18) 2000/3286
    Net sales 2017 457.00/500 PAYDOX17 9435/10k Decluttered 741/2017 items
    • Needhelpsaving
    • By Needhelpsaving 29th Apr 17, 8:31 AM
    • 529 Posts
    • 2,403 Thanks
    Needhelpsaving
    • #6
    • 29th Apr 17, 8:31 AM
    • #6
    • 29th Apr 17, 8:31 AM
    Hi,

    Could I please join in this month? I really need to stop making small, regular spends like buying lunch at work etc.

    Thanks
    Target 1 - Emergency Fund Currently 1256.35/3000

    Target 2 - Op Mortgage by 4000 by 31/12/2017 Currently 905.72/4000

    May NSD Challenge 7/12
    • Toni'sfriend
    • By Toni'sfriend 29th Apr 17, 9:46 AM
    • 403 Posts
    • 3,913 Thanks
    Toni'sfriend
    • #7
    • 29th Apr 17, 9:46 AM
    • #7
    • 29th Apr 17, 9:46 AM
    Me too, please
    Budget 105.75/200.00 Spends 0.00/40.00 AFD 15/31
    Walks 12/31 Weightloss 0/41 May Womble 81.60 2017 Wombling total 685.28
    • Fmess
    • By Fmess 29th Apr 17, 11:32 AM
    • 2,435 Posts
    • 22,952 Thanks
    Fmess
    • #8
    • 29th Apr 17, 11:32 AM
    • #8
    • 29th Apr 17, 11:32 AM
    Me too please x x
    LBM = 07/09/13 Debt = 13339 (100% cleared)
    New Roof Debt 177.97/8242
    New bathroom savings 1343/6000
    Jan NST #22 SFD 7/15 Food 114/ 140Personal 155.23/170 Petrol 40/75
    • Eager_Elephant
    • By Eager_Elephant 29th Apr 17, 11:37 AM
    • 3,872 Posts
    • 20,101 Thanks
    Eager_Elephant
    • #9
    • 29th Apr 17, 11:37 AM
    • #9
    • 29th Apr 17, 11:37 AM
    Thanks misstara - count me in for May.
    Ninja Saving Turtle No. 8 for May
    NSD - 8/16
    (up to 17/5/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • x_raphael_xx
    • By x_raphael_xx 29th Apr 17, 1:12 PM
    • 3,265 Posts
    • 15,790 Thanks
    x_raphael_xx
    I'm back! Sign me up please
    Debt Free as of 17/01/2009 Turtle Power!!
    May NSD's12/20
    EF Challenger #36 1100/4000
    / Lose weight 13/ 20lbs
    • f0xh0les
    • By f0xh0les 29th Apr 17, 2:17 PM
    • 813 Posts
    • 5,705 Thanks
    f0xh0les
    The force is strong at the moment. Count me in too.
    MFW May118,340 A117 S116 N115, D114 J114 Feb 113,500 M 112,800 A112,250 MAY 111,600 - next goal- 110k) SPC #59 Very Special Agent Womble #15 NST#9 Competition wins..a kids book Free Amazon vouchers 13 YouGov 48.25 (50 Nov) Tesco 15.00 Mr Morris 15
    • 498louise
    • By 498louise 29th Apr 17, 5:16 PM
    • 65 Posts
    • 532 Thanks
    498louise
    Sign me up too please
    NSD May: 0/16
    Make 5 a day in May: 0/155
    Credit Card1: 0.00/
    Credit Card2:
    Very account: 0/
    • ilovetea
    • By ilovetea 29th Apr 17, 6:10 PM
    • 772 Posts
    • 5,704 Thanks
    ilovetea
    Can I join please?

    ilovetea xx
    2017 in 2017. #2 595.55
    May 4/20 NSD. Household 0/120.Personal 0/40.
    • crazy_cat_lady
    • By crazy_cat_lady 29th Apr 17, 6:25 PM
    • 3,798 Posts
    • 26,629 Thanks
    crazy_cat_lady
    Me please misstara - thanks for running the challenge
    NST May #13 NSD 7/16 RYSAW17 #1 412.74 20p Savers #88 1 a day for Xmas # DFD 6 Nov 15 - paid 28,447
    • Ladykernow
    • By Ladykernow 29th Apr 17, 6:37 PM
    • 209 Posts
    • 723 Thanks
    Ladykernow
    Count me in for May please!
    2017 13# Sealed pot: 1300/1,500
    • mrshubbard
    • By mrshubbard 29th Apr 17, 7:49 PM
    • 153 Posts
    • 931 Thanks
    mrshubbard
    After a half hearted April debt busting effort I'm back whole heartedly this month I haven't managed the 16 NSDs yet so this is that month.
    1 debt vs 100 days -120/2681.13
    365 day penny challenge - 65.64/667.95
    MSE action a week challenge 6/52
    NST - 3/16 NSDs 87.77/200 food budget 63/80 spends
    Debts - CC1-2625.49 2379.65 CC2-4560.38 4460.38 CC3-10,32610,155.85
    • FurryBeastOz
    • By FurryBeastOz 29th Apr 17, 8:06 PM
    • 1,023 Posts
    • 12,034 Thanks
    FurryBeastOz
    I really need to find the force. Fast. So I'm in. I've done my budget for next month, and its all covered. So the whole of next months rental income can go into savings as a buffer against August onwards until we have a resolution to what the h*ll we are doing after November.

    I've reviewed all the utilities. Unfortunately I can't switch anything as it's possible we will end up leaving the country for a year and they all want a tie-in. Very frustrating. However I have cancelled my Paycare as it wasn't paying its way now my eyes have settled. I'll squirrel the 35 into savings against emergencies.

    I'll try hard to post daily, as I really finds it helps me focus.

    I'm off to try and find my goals from January to see how I'm doing.
    *** Debt Free***
    NST April: NSD = 11/15
    Goals - Weight loss 4.6/23lbs from 1st Jan 17
    GC To 1/4/17 967.18/3,000, 32.24/32.88% of the year.
    • mothernerd
    • By mothernerd 29th Apr 17, 8:10 PM
    • 1,888 Posts
    • 19,152 Thanks
    mothernerd
    I was going to sit this one out but count me in. Gratitudes I can do, posting I an do (internet permitting), will go and wrangle my positive head on. May is a new start.
    Building a rainbow of happiness and joy 2017 Weight loss 4lb NST May No S17FD 12/16 Budget Food109.39/ 100 Transport 8.7/10.Ext 20/ 20 EF 28/01/16 Mortgage Free 5.1 1982 Debt Free 11/01/2016
    Progress through plodding, baby steps and purposeful pottering
    • apple muncher
    • By apple muncher 29th Apr 17, 9:16 PM
    • 5,837 Posts
    • 42,620 Thanks
    apple muncher
    I'm also a May baby, and will become a step-grandma this month too! And my step dd (who is having the baby) is a May 4th baby herself.

    Count me in.
    NST May #18; NSD 16; Ex 14; craft 70; remove 304
    2017 MFW#63 Pay off: 1803/4000; 2
    017 sell 30

    Mortgage 25,317 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • SkintTeacher
    • By SkintTeacher 29th Apr 17, 10:21 PM
    • 295 Posts
    • 1,584 Thanks
    SkintTeacher
    Me oooh oooh me please!!!
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