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  • FIRST POST
    • thriftylass
    • By thriftylass 29th Aug 17, 3:16 PM
    • 3,093Posts
    • 25,585Thanks
    thriftylass
    NST Super September Scrimping challenge
    • #1
    • 29th Aug 17, 3:16 PM
    NST Super September Scrimping challenge 29th Aug 17 at 3:16 PM
    A warm and fuzzy autumnal welcome to the NST Super September Scrimping challenge, for newbies and seasoned debt busters alike.

    (Don’t want the following to sound too harsh but I need it this month)

    September means for many getting back into the swing of new school and work routines. Also, the colder months are looming and we should maybe consider starting to get ready for winter and the festivities or at least start a wee bit of forward planning.

    The whole idea of this challenge is for you to start looking to where you WANT to be, consider why you aren’t at that point and start realising what is going WRONG. And also, I need you to help me because when I have people to answer to I won’t spend anything!

    Seriously though – you can’t save for a house if you have debt. You can’t have a new kitchen if you can’t afford the food to put in it……………. you need to get a debt free day graved in stone and start aiming for it. Enough is enough. Christmas is but 16 weeks away – are you ready for that little charmer?

    So again, I’d like to go back to basics and a few stricter rules back form NinjasavingKat’s days.


    These are the rules….. clear and simple!


    *This challenge starts on the 1st September at 00:01 and closes on the 30th September at 00:00.

    *Try and check in once a day with your progress !

    *Get a little notebook that you can fit in your bag, or a slip of paper! Write down everything you spend - good and bad!!

    *You will aim for 18 SFDs!(Spend Free Days). If purchases of “yellow sticker delights” are made without full price items this is an SFD. Medication and normal monthly DD’s or CC payments are exempt and you may class these days as SFD’s also.

    *Pay you debts and bills first, budget to live off what is left!

    *You must decide on a budget for food now. This must be stuck to rigidly until the last day of the month ! Consider how much you REALLY need to feed your family, make meal plans, limit snacking with the kids or tell them “when it’s gone that’s it until next week”. Mine is £350.

    *Try and eat everything in your cupboards and freezer BEFORE buying any more. Money spent each week will be for essentials – bread, milk and fruit & veg before buying more. Get right down to the bottom of that chest freezer, get out those nearly out of date packets of rice. Stop stock piling for Armageddon and wasting money. I don’t care if you are prepping for visitors or a “just in case” situation! (note to mainly myself: STOP SPENDING SO MUCH ON FOOD!) I need to defrost my freezer and clean my fridge so this rule will help

    *You must bring your lunch to work every day. No coffee shops, no work canteen, no cafes, no sandwiches – NOTHING. You will waste SO many precious £££’s when something better can be created at home. If you think it doesn’t matter and I won’t find out – you are right. But you are cheating yourself.

    *Plot the course of your social life now before the beginning of September. Make sure you have a budget planned for meals that can’t be wormed out of and birthdays etc. Money placed aside for holidays can be classed as “no spend days” – anything over the budget will ruin that SFD!! Cancel something you really don’t want to go to –you HAVE to start making sacrifices now.

    *Decide on your DFD!– when do you want to start doing what you want to do???

    *You will accomplish some sort of exercise per week, 3 sessions of 20 minutes anyway you want. Walk someone’s pooch, walk to work, walk around your block 5 times… anything!


    *Beauty spends are not allowed to exceed £10. That includes you boys as well. Use up all that you have in the house BEFORE spending anything more on beauty bits – seriously how many body moisturisers do you need ladies?

    *Make time for yourself this month. Even if it’s only 10 minutes a day do something for yourself whether that is going for a walk, having a bath with loads of bubbles or sitting outside with a drink – we need to make the most of the evenings.

    *Keep the heating off as long as possible, put a jumper on etc. We live in the north of Scotland in an 80s bungalow with metal windows. So it might be a challenge



    That’s it… think you can keep up?

    Contenders:
    1. thriftylass
    2. apple muncher
    3. greent
    4. DawnW
    5. determined new ms
    6. Calling14
    7. jojitsui
    8. misstara
    9. f0xh0les
    10. Tempus01
    11. 1LuckyLady
    12. cybertortoise
    13. dizzyblnd
    14. mothernerd
    15. Shakey87
    16. clippy_girl
    17. Fmess
    18. stoplurking
    19. ChasingSunshine
    20. Eager_Elephant
    21. Tjzdazz
    22. Kerry Woman
    23. FurryBeastOz
    24. Buffethedebtslayer
    25. bizzie
    26. squanderscouse
    27. Sun Addict
    28. LD_13
    29. NelliePie
    30. vintagebrighton
    31. indigowarrior
    32. crazy_cat_lady
    33. LollyPop0312
    34. foxgloves
    35. redofromstart
    36. Lauralozzle
    37. Abundant
    38. ooitsme
    39. threepenny bit

    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by MSE Andrea; 13-09-2017 at 9:13 AM.
    NST Nov 6
    SFD 3/20 spends 401/625 (98/200 xmas)
    Exercise 5/20
    Debt - all 0% 1000 to go from 5290 (80% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
Page 1
    • apple muncher
    • By apple muncher 29th Aug 17, 5:05 PM
    • 6,506 Posts
    • 47,635 Thanks
    apple muncher
    • #2
    • 29th Aug 17, 5:05 PM
    • #2
    • 29th Aug 17, 5:05 PM
    Count me in please!

    It really harks back to the nsk challenges - yay!
    NST November #; NSD 3/17; Ex 2/12; craft 1/30 (247); remove 578
    2017 MFW#63 Pay off: £3415/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • greent
    • By greent 29th Aug 17, 5:27 PM
    • 6,404 Posts
    • 64,679 Thanks
    greent
    • #3
    • 29th Aug 17, 5:27 PM
    • #3
    • 29th Aug 17, 5:27 PM
    Count me in too, please!

    Will be back with my personal targets against the rules
    x
    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) £5034/£3286
    Net sales 2017 £1214.99/£500 PAYDOX17 £11937/£10k Decluttered 1730/2017 items
    • DawnW
    • By DawnW 29th Aug 17, 6:39 PM
    • 4,602 Posts
    • 35,347 Thanks
    DawnW
    • #4
    • 29th Aug 17, 6:39 PM
    • #4
    • 29th Aug 17, 6:39 PM
    And me - I am not in debt, but on a small income, and have spent far too much so far this year
    Food/ household/supermarket spends for November - £210.25 / £250
    NSDs for November 9/12


    • determined new ms
    • By determined new ms 29th Aug 17, 6:49 PM
    • 6,572 Posts
    • 37,890 Thanks
    determined new ms
    • #5
    • 29th Aug 17, 6:49 PM
    • #5
    • 29th Aug 17, 6:49 PM
    I think I'm in.... I always fall down on NSDs! Also my oh is not keen on super frugality.... I'll try at least

    I'll think about the various categories and post back
    DF as at 30/12/16
    Wombling '16 £287.33 Roadkill £28.25
    Wombling YTD £2982.2/Roadkill £8.63
    SFDs Oct 13/15 CC saved £2372.50
    • Calling14
    • By Calling14 29th Aug 17, 7:26 PM
    • 2,506 Posts
    • 18,596 Thanks
    Calling14
    • #6
    • 29th Aug 17, 7:26 PM
    • #6
    • 29th Aug 17, 7:26 PM
    Yes definitely back to being firm as in Kat days.

    Planning a few days away as haven't had any holidays this month. Relatives here I come ��

    Sign me up. Cheers thrifty
    LBM 13039 1.1.13 NOW £1040
    PAYDBX 2017 #16 £3260 /£4300 DFD 12/17
    E
    Fund #9 £100/£1,000
    1 x 100 days challenge £1161.71/2000 ends 29/12/17


    • jojitsui
    • By jojitsui 29th Aug 17, 7:36 PM
    • 388 Posts
    • 1,616 Thanks
    jojitsui
    • #7
    • 29th Aug 17, 7:36 PM
    • #7
    • 29th Aug 17, 7:36 PM
    Can I join please
    • misstara
    • By misstara 29th Aug 17, 7:42 PM
    • 2,449 Posts
    • 17,080 Thanks
    misstara
    • #8
    • 29th Aug 17, 7:42 PM
    • #8
    • 29th Aug 17, 7:42 PM
    Count me in as well please
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1349.50 (41.4% paid)
    Mini Targets
    Exercise target - Run 1/8, Gym 0/4. Groceries target £77.92/£150. NSD target 7/18.
    • f0xh0les
    • By f0xh0les 29th Aug 17, 7:45 PM
    • 1,028 Posts
    • 7,548 Thanks
    f0xh0les
    • #9
    • 29th Aug 17, 7:45 PM
    • #9
    • 29th Aug 17, 7:45 PM
    I could do with a firm hand (!) so I'm in , and I have a date for my double glazing (next week) so I am giddy already.

    Best of all is that I can afford it all from what I have saved this year so far, and still have a decent emergency fund left over, and all because I join in with these challenges each month.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • thriftylass
    • By thriftylass 29th Aug 17, 7:49 PM
    • 3,093 Posts
    • 25,585 Thanks
    thriftylass
    All noted on paper just now.

    Yes, thought i need a bit more strictness .

    determined new ms, don't worry, DH is not on board either but I try what I can on my side of the finances with little hints here and there
    NST Nov 6
    SFD 3/20 spends 401/625 (98/200 xmas)
    Exercise 5/20
    Debt - all 0% 1000 to go from 5290 (80% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • Tempus01
    • By Tempus01 29th Aug 17, 8:10 PM
    • 61 Posts
    • 67 Thanks
    Tempus01
    I'm in! Can't wait to start
    22.08.2017 start of my journey
    Loan = £8392.32/£7465 (incl interest) Barclays Card = £1631.36 Tesco Credit Card = £2003.17 / £2086.17 NatWest Credit Card = £1422.34/ £1406.43 Littlewoods account = £104 / £40.60
    • 1LuckyLady
    • By 1LuckyLady 29th Aug 17, 8:42 PM
    • 552 Posts
    • 5,447 Thanks
    1LuckyLady
    I'd like to join too please. Thanks to Dawn for mentioning on the "small things" thread
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • cybertortoise
    • By cybertortoise 29th Aug 17, 8:45 PM
    • 101 Posts
    • 722 Thanks
    cybertortoise
    I'd like to join please. I need to be held accountable for my spending, the last couple of months have been so difficult. Things should improve hugely in October but I would like to start my good habits now in advance of the change, and in preparation for the dreaded C word in December.

    I plan on practicing yoga at least 3x per week, although hoping to build to daily. I have 2 birthdays and have allocated £125 altogether for those and have budgeted £350 for the month on groceries.
    Starting fresh as it's my birthday! DFD: 28th August 2020, the day before my 40th birthday.
    Owed: £17504.03.
    Targets: £130.97/£3210.00 by end 2017.

    • dizzyblnd
    • By dizzyblnd 29th Aug 17, 8:59 PM
    • 367 Posts
    • 3,241 Thanks
    dizzyblnd
    I'm in. The summer has been lovely but I need to start knuckling down again. Can we add some tips for getting ready for winter n Christmas? I have lots of September birthdays but need to plan ahead too.
    NST #30: nsd 19/21
    • thriftylass
    • By thriftylass 29th Aug 17, 9:10 PM
    • 3,093 Posts
    • 25,585 Thanks
    thriftylass
    Just realised i forgot a space post for all the names, oops. Will sort that tomorrow.

    Dizzyblnd, sure we can do that. Anyone, who has hints and tips for winter and Christmas prep can share them. I'll add mine as i go along too.
    NST Nov 6
    SFD 3/20 spends 401/625 (98/200 xmas)
    Exercise 5/20
    Debt - all 0% 1000 to go from 5290 (80% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • mothernerd
    • By mothernerd 29th Aug 17, 9:17 PM
    • 2,153 Posts
    • 22,063 Thanks
    mothernerd
    Count me in please thrifty. I must try harder.
    Building a rainbow of happiness and joy
    NST Nov #9 SFD 7/20 Food £31.50/£100 Travel £2.50/£10 DIY £/£30Debt free and EF January 2016 No mortgage Progress through plodding, baby steps and purposeful pottering
    • Shakey87
    • By Shakey87 29th Aug 17, 11:21 PM
    • 7 Posts
    • 25 Thanks
    Shakey87
    Please can I join? I'm new here I need to stop wasting money on coffee and expensive lunches when I've forgotten to pack my own!!
    • clippy_girl
    • By clippy_girl 30th Aug 17, 2:13 AM
    • 2,227 Posts
    • 8,560 Thanks
    clippy_girl
    I would like to join please

    I'm not back from holiday until 4th sept though (currently in LA in 36c heat )

    Definitely need to rein it in when I'm back!
    • Fmess
    • By Fmess 30th Aug 17, 6:07 AM
    • 2,553 Posts
    • 24,140 Thanks
    Fmess
    Count me in please Thanks thrifty
    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
    • stoplurking
    • By stoplurking 30th Aug 17, 8:06 AM
    • 348 Posts
    • 2,318 Thanks
    stoplurking
    Hi Thriftylass

    Former NSK conscript here. My good habits have slipped a bit lately and I want to get back on the wagon. Count me in please, will be back later with my targets, esp the NSDs, it's become too easy to spend a few £ here and there. Looking forward to it all. SL.
    LBM Oct12 Debts at LBM £17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 £1193/4000 29.8%
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