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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 3
    • 1LuckyLady
    • By 1LuckyLady 30th Aug 17, 5:02 PM
    • 553 Posts
    • 5,453 Thanks
    1LuckyLady
    Thanks Thriftylass,
    I'm not training for anything, I've suffered with depression and anxiety in the past but find doing exercise (particularly the classes) made me get up and dressed in a morning which really helped. I've been doing the 5 classes a week for a couple of yrs and started with the running again earlier in the year so that I could still get some form of exercise done when I didn't have childcare during school holidays. I've a lot of weight still to lose so I've decided to keep up with the running for September once the kids are back to school.
    Re Hair cuts, my father does my kids & dh's hair and used to do mine but then about 10yrs ago I was in the very early stages of pregnancy with ds2 and he cut it and it was awful and as I was hormonal I cried, he said he'd never cut it again I only get it cut about twice a year so not too expensive thankfully.
    Re taking lunches, dh wouldn't take them if I hadn't made them, he'd be quite happy buying a sandwich deal.
    My other son is starting secondary school next week and they have so much to carry around that I'm considering letting him have school dinners, I've said he can have them for the first week and then we'll see where we go from there! I worked out it would be about £487 to have them every school day!!
    Last edited by 1LuckyLady; 30-08-2017 at 5:06 PM.
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • Kerry Woman
    • By Kerry Woman 30th Aug 17, 5:14 PM
    • 2,025 Posts
    • 19,239 Thanks
    Kerry Woman
    *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 ! Will try my best.*Get a little notebook that you can fit in your bag, or a slip of paper! Write down everything you spend - good and bad!! Already put spending into a notebook at home. Got the notebook free.

    *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. Will do.

    *Pay you debts and bills first, budget to live off what is left! No debt, but put money into savings account and the bills account(which covers the electric, water and mainline phone).

    *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. The budget is £150.

    *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 Will need to keep checking what is in each week before I shop on Saturday. Always do a shopping list. This is the area that I need to cut back on. I suffer from depression/anxiety and when I am not too great it affects my spending by buying junk food for me.

    *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. Usually do this when temping and tend to bring a flask of tea with me as I do not know if there is tea available where I will be working.

    *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. Already booked to see a play at a local theatre, did save some money as I got the theatre membership. You save money if brought ticket a week early.

    *Decide on your DFD!– when do you want to start doing what you want to do??? Do not have debt, but want to increase my savings so that I can move out of the area where I live. Want to try and achieve this within the next 4 to 5 years. Sooner if possible.

    *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! Try and do this do depending on how I am feeling as I have arthritis.


    *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? Am trying to use up things in the flat before I buy anything. I think I have enough for September. Some products I get are either organic, natural or fairtrade which tend to be slightly more than £10.

    *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. Must try and do mindfulness each day amongst other things.

    *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 Unfortunately will be unable to do this as my elderly Mum lives with me and needs the heat on.
    Frugal Living Challenge 2017
    Mortgage free as of 1st August 2013
    Bonfires and fireworks - NST November challenge NSD 9/20 Food/household budget £58.19/£150
    • greent
    • By greent 30th Aug 17, 5:55 PM
    • 6,422 Posts
    • 64,839 Thanks
    greent
    Originally Posted by greent

    *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. OK. I personally am going to also add a mid-week shop where if I only buy milk it counts as NSD (can't fit a week's worth of milk in our fridge and neither OH nor myself are a fan of UHT)
    Back in Germany we only had UHT, no idea how I managed to drink that. prefer fresh too. Your milk-only NSD is granted

    *Try and eat everything in your cupboards and freezer BEFORE buying any more. ... but would like to see how much we can get eaten - this is actually easier when OH is working away, as I will happily eat leftovers/ weird combos and he won't)
    [/COLOR] My food budget would be sooo much lower without OH as I'm the same, would eat much cheaper and weirder things alone


    Comment is green (sorry need to write sth otherwise can't post this
    Originally posted by thriftylass
    Thank you - my recycling box this week has 11 x 4pint cartons in - so I really can't fit that amount in the fridge in one go!
    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 £1221.45/£500 PAYDOX17 £11937/£10k Decluttered 1730/2017 items
    • FurryBeastOz
    • By FurryBeastOz 30th Aug 17, 8:35 PM
    • 1,097 Posts
    • 14,464 Thanks
    FurryBeastOz
    I'm in please. This month has been desperate - I crashed and burned after some news, and my Fat budget went sky high. I gave up caring about the diet and exercise and have managed to put on a stone.

    I went for some help on Saturday and am going back to counselling. I can't do the high to depression cycle again.

    So on Sunday I picked myself up - daily exercise for the mental boost and diet for the weight loss. I'll be back with plans.
    *** Debt Free***
    NST October 1/18
    Goals - Weight loss 0/13lb from 1st Jul 17
    GC To 1/10/17 £2416.17£3,500, 69.03/74.79% of the year. Had to raise budget
    • apple muncher
    • By apple muncher 30th Aug 17, 8:59 PM
    • 6,528 Posts
    • 47,764 Thanks
    apple muncher
    Good to see you fbo, I was wondering where you were and how you were. Glad you are with us in September.
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • determined new ms
    • By determined new ms 30th Aug 17, 9:44 PM
    • 6,572 Posts
    • 37,890 Thanks
    determined new ms
    [SIZE="5"]


    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!! will write it in my diary in redwill dig out a red pen now

    *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. this will actually be a big challenge for me.
    I will try to be organised and plan for 2 spending days and give myself 1 spare for if/when something comes up!


    *Pay you debts and bills first, budget to live off what is left! done just straightened out my finances, paid bills ad put money into savings acc

    *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. Food is £160 - that is for 3 of us so a challenge

    *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. I have 7 activities planned for Sept - one of which is a festival for 2 days but local and fairly low cost for a festival. Will cater breakfast and lunches and will eat at home Sunday evening. Anything other social get togethers I will engineer free events

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

    *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? This won't be a challenge for me! I barely spend a fiver a month here

    *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
    Originally posted by thriftylass
    ok worked out my intentions
    Last edited by determined new ms; 30-08-2017 at 9:49 PM.
    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
    • DawnW
    • By DawnW 30th Aug 17, 9:46 PM
    • 4,607 Posts
    • 35,386 Thanks
    DawnW
    Thanks for starting this thread Thriftylass. We have had an expensive few months here, involving various hospital stuff, changes of vehicles, had to replace a worn out mattress, bought a laptop for a grandchild for her schoolwork, and various other shenanigans, some avoidable and some not. My plans are as follows:



    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 ! I will try to do this.

    *Get a little notebook that you can fit in your bag, or a slip of paper! Write down everything you spend - good and bad!! Brilliant idea! I already have a little diary which fits in my bag, so will use that.

    *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. I personally will only claim a SFD if I don't buy anything - only exceptions for me will be the bills, most of which are paid by Direct Debit, and costs incurred by my small business, which are recorded elsewhere obviously, for HMRC reasons. I see other people have their own variations on this, and this is mine I am being extra strict with myself due to an upcoming large spend (see below )

    *Pay you debts and bills first, budget to live off what is left! In all honesty I do this anyway. Our income is small (we are both semi retired) so I have to be careful these days. Our savings have become depleted this year, and need to be built back up a bit

    *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. Mine is £160 for all groceries, toiletries and food for the dog, there are only 2 of us most of the time (plus a very small dog), so no excuses!

    *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 I am guilty of all of the above My freezers and larder are extra full at this time of year as I freeze and preserve garden produce - but it is by no means all garden produce in there!!

    *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. We are semi retired / self employed / work from home, so tend to eat lunch at home anyway, or take a picnic with us if we go out.

    *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. We have a birthday party invitation, which will require a modest present and a contribution to the booze (though neither of us are big drinkers and I shall be driving anyway) and a few days away camping which is already booked and paid for. We will need to pay for fuel, but will take most of our food with us to keep costs down. There is also OH's annual golf club membership which is another whopping spend, due for renewal . This is out of my control (though I don't begrudge it), but it will be paid from our own money, not borrowed.

    *Decide on your DFD!– when do you want to start doing what you want to do??? We have had debt in the past, but it is paid off now. My goal is to start to build up our savings again. This will be a slow process as out income is small.

    *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! I usually walk the dog once a day (OH usually does the other one) but he dawdles - the dog, not OH - so I will try to do an extra, brisker walk 3 times a week


    *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? I have a much needed hair appointment booked which will cost £20, but don't need anything other than that.

    *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. My garden is my sanctuary

    *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 No excuses here, as we are in the SW and live in a mid terrace.

    That’s it… think you can keep up?
    Originally posted by thriftylass
    Last edited by DawnW; 31-08-2017 at 7:10 AM.
    Food/ household/supermarket spends for November - £214.60 / £250
    NSDs for November 10/12


    • Buffythedebtslayer
    • By Buffythedebtslayer 31st Aug 17, 12:17 AM
    • 14,887 Posts
    • 47,943 Thanks
    Buffythedebtslayer
    Hello, I would like to join if you will have me....


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

    OK - busy month with work which is good for money spending.

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

    Will try.

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


    Yep have a notepad in mind.

    *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.

    18.......ok.

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

    Need to pay my CC and the minimum payment for the B/t

    *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.

    Included in rent.

    *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


    Will work on this and save Mum money.

    *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.


    This is going to be hard for me. UGH. hate packed lunch.


    *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.

    I don't think I will have any money to go out!

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


    1st April 2018.

    *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!

    Dog walking.


    *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?

    I do need to buy my obscenely expensive make up. Might do that tomorrow!


    *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.

    Audio books

    *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

    Can do that.

    Sorry it isn't in a different colour, battery is going and I need to post quickly!

    thanks

    Buffy XXX
    Saving all the money.............really I am !
    • bizzie
    • By bizzie 31st Aug 17, 1:10 AM
    • 102 Posts
    • 1,180 Thanks
    bizzie
    Can I join in again please.
    As it is the new academic year it's my third "fresh start" of the year.
    Progress has been made in many areas such as budgeting, tracking spends and achieving NSDs. Basically anything that can be put in a spreadsheet.
    However I've struggled in others so these will be my priority for this month. Using up contents of freezer & cupboards and including regular exercise. Spreadsheet designs underway!
    Groceries 43.37/400 Personal Spends ..../100
    NST November #11 NSDs 4/12 @05/11/17
    Goals for 2017: Balance in
    Self: Health: Wealth :
    • thriftylass
    • By thriftylass 31st Aug 17, 9:37 AM
    • 3,093 Posts
    • 25,585 Thanks
    thriftylass
    Oh, fantastic. More contenders, new and familiar (all listed up to here). Good to see some old faces back. The more the merrier. Loads of plans and intentions posted so far too, will be good to read back at the end of the month. I can feel it, this will be a good month!!! Positivity and support is what we need.

    Only one day to go. Payday for me today and sorted out my debt and bills. Finally paid the family debt back and only the 0% card left to go.

    DH spoke about turning the heating on . I told him, love its still August . He agreed to keep it off yet. (BTW this rule is obviously bendable by people with dependants or health issues)
    Last edited by thriftylass; 31-08-2017 at 9:40 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
    • Calling14
    • By Calling14 31st Aug 17, 10:40 AM
    • 2,506 Posts
    • 18,601 Thanks
    Calling14
    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!
    Originally posted by clippy_girl
    Bring some heat back please. My feet are freezing in Sandals today.
    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


    • squanderscouse
    • By squanderscouse 31st Aug 17, 11:22 AM
    • 63 Posts
    • 242 Thanks
    squanderscouse
    Can I join in please? August has been horrendously spendy due to 3 kids going back to school especially as DS1 needed all the expensive stuff that starting secondary school entails.

    This thread will help rein in my spending in time for Christmas.
    Bank Loan 5000/PAID Barclaycard 2500/1872.13
    Overdraft 2000/Cleared MBNA Closed
    Littlewoods 1200/97.91

    Long time lurker - so grateful to MSE for helping me reduce my debt. August NSD 10/10
    Sealed pot challenge 10 #568
    • Sun Addict
    • By Sun Addict 31st Aug 17, 2:11 PM
    • 4,542 Posts
    • 26,558 Thanks
    Sun Addict
    Please add me to the list Thrifty. Really need to have a frugal month this month and get back on the wagon. Thanks
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • NelliePie
    • By NelliePie 31st Aug 17, 3:22 PM
    • 91 Posts
    • 303 Thanks
    NelliePie
    I've now got the DH2B on board and he's going to be doing it with me -
    he's usually a bit more relaxed about buying food on the go so it'll be a challenge for him. So here's our plan.

    *Try and check in once a day with your progress !
    This should be easy during the week but not so much on weekends - Mondays check-in's may therefore be a little longer

    *Get a little notebook that you can fit in your bag, or a slip of paper! Write down everything you spend - good and bad!!
    Notepad is ready to go, got my days listed and targets set at the front so I can't forget

    *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.
    IAs I've already mentioned in previous posts I have full cupboards and freezers so the aim is to get buy on top-up shops for fresh milk and salad items for work lunches - I'll be trying to get away with only two of these and classing them as SFD

    *Pay you debts and bills first, budget to live off what is left!
    The only debt we have is the mortgage and we're doing this to challenge ourselves to see how much we can overpay this month

    *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.
    As I'm going to try and just get by on top-up shops for fresh stuff (see above) I'm budgeting around £100 for food for the month

    *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
    Again see above - this is my main challenge !

    *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.
    it's very tempting when Wednesday roll's around and there's a full roast dinner for £3.50 or some other days when a big bowl of chips is just £1, but I WILL resist!

    *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.
    We don't have any major plans throughout most of the month but DH2B is best man at a wedding on the 30th - we do have a rehearsal/get together dinner the night before so will need to budget some money for that - I'll update when we know exactly where we're going as it's not been organised properly. The accommodation for the two nights has already been paid (AirBnB sharing with 2 other groomsmen so did it on the cheap!)

    *Decide on your DFD!– when do you want to start doing what you want to do???
    this should give us an ideal of what we can actually work towards for OP on the mortgage. I know that not every month will be perfect but it's nice seeing the balance come down and anything we can do to help that (and is fun!) is welcome!

    *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!
    we're recent FTB and there's a lot of work to be done on the house and garden - lots of physical labour so we'll be counting a lot of that. DH2B also plays cricket on a Saturday and trains on Tuesdays

    *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?
    we've still got plenty left over from xmas/birthdays/bogof offers so shouldnt need to buy any more

    *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.
    My me time will be curled in front of bake off with an icecream or doing some baking myself

    *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
    As I mentioned earlier we're recent FTB and haven't had to put the heating on in this house yet so we've challenged ourselves to leave it off as long as possible
    Originally posted by thriftylass
    Good Luck Ladies and Gents, here's to a great month!
    When life gives you lemons, find the tequila!
    MFW: FTB June 2017 £144k. Target 128k June 2019
    • LD_13
    • By LD_13 31st Aug 17, 3:25 PM
    • 21 Posts
    • 221 Thanks
    LD_13
    Can I join please? Payday today and budgets mostly sorted, will post tonight.
    Visa - £368.99, Car loan (dad) - £3,690
    NSD - /18
    Food shop - £3.60/£100
    Super September Scrimper No. 28
    • greent
    • By greent 31st Aug 17, 3:37 PM
    • 6,422 Posts
    • 64,839 Thanks
    greent
    Well done on getting the family debt paid off, thrifty
    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 £1221.45/£500 PAYDOX17 £11937/£10k Decluttered 1730/2017 items
    • thriftylass
    • By thriftylass 31st Aug 17, 3:59 PM
    • 3,093 Posts
    • 25,585 Thanks
    thriftylass
    Hello all, just a few hours to go and all the additional contenders have been listed.

    Thanks again for posting all your goals. It's interesting to see how some people already follow some rules (like determined new ms and me who don't even spend a fiver on beauty anyway) while other rules provide a good challenge for some. That's what it is about. It's not a one size fits all but more a motivation to question the way things were (my i.e. my impulsive top up shops, giving in to DH or others needing to get back into the swing with exercise). Just try and stick to them as much as possible and and depending on your circumstance without totally changing all of them.
    Last edited by thriftylass; 31-08-2017 at 4:05 PM.
    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
    • FurryBeastOz
    • By FurryBeastOz 31st Aug 17, 5:44 PM
    • 1,097 Posts
    • 14,464 Thanks
    FurryBeastOz
    Here's to my favourite month of the year.

    We complete sale of our rental house tomorrow. So for about 24hrs we will be feeling flush before it gets squirrelled away for rainy days.

    However, as I am losing the rental income I am going to keep a buffer, and challenge myself not to use it. I'm not sure how it will work as I am taking a pay cut by going onto a contract from temping. Fingers crossed it leads to something more permanent.

    As I'm at a meeting tonight and then having coffee with my sponsor, I will do the budget tomorrow after the gym.

    It's our 13th wedding anniversary on the 11th so I will have to factor in some spending money for that.

    I use YNAB so the notebook is up and running.
    *** Debt Free***
    NST October 1/18
    Goals - Weight loss 0/13lb from 1st Jul 17
    GC To 1/10/17 £2416.17£3,500, 69.03/74.79% of the year. Had to raise budget
    • vintagebrighton
    • By vintagebrighton 31st Aug 17, 7:36 PM
    • 540 Posts
    • 1,640 Thanks
    vintagebrighton
    Can I join please? Just finished paying my debt but now have no savings buffer. My goal is to build it up again. A bit tricky as we're both semi retired and I have health issues.

    Will be back in a bit with my contribution!
    Food Budget ~ £160/£160
    Weight Loss Challenge ~ 38/84 NSD ~ 16/18
    • indigowarrior
    • By indigowarrior 31st Aug 17, 8:04 PM
    • 280 Posts
    • 2,022 Thanks
    indigowarrior
    Please sign me up!
    #545- SPC
    Homeowner by 40
    August Nsd 1/15
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