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  • FIRST POST
    • Eager_Elephant
    • By Eager_Elephant 29th Jul 17, 3:14 PM
    • 4,107Posts
    • 22,145Thanks
    Eager_Elephant
    NST - Stupendous Sextilis
    • #1
    • 29th Jul 17, 3:14 PM
    NST - Stupendous Sextilis 29th Jul 17 at 3:14 PM
    Welcome to August’s NST challenge – August was originally the 6th month of the year and was called Sextilis, in 27BC it was renamed August in tribute to the first Roman emperor – Augustus Ceasar.

    The flowers which represent August are the Poppy and Gladioli – I love these flowers and just the other day saw a purple poppy.

    August is Happiness Happens Month – I think this will tie in nicely with our gratitudes - so for the month of August we are going to find the positive in everything.

    This month we also have National Allotment Week and National Afternoon Tea week which both happen to be on the same week so I think we need to mark these in some way – ideas to follow.

    We also have Colouring Book day on 2nd August so if you don’t have colouring book and felt pens/crayons you can go out and buy them and we won’t count them as a spend!!!

    I know August is busy with holidays so try to join in as much as you can.

    Thanks to all Turtles for joining the thread this month.

    Rules:

    Allocate – set your budgets for the month – this needs to includes any money needed for holidays away, days out, maybe even school uniform/items. Make sure you have something allocated for treats.
    Once you have done your budget you then need to pay any surplus to your debts or savings.

    Use (Up) – we are going to try and use up as much as possible, whether that is clothes/food etc. Do you need new clothes for holidays or will your current clothes be suitable? Do you need those sparkly sandals when you have a similar pair in the wardrobe? Do the children need to replace all school items/clothes or can some from last year be reused?

    Gratitudes – each time you post I would like you to post at least 3 gratitudes.

    Upcoming (holidays) – what plans has everyone got for August? If you haven’t yet decided and are worried about keeping the kids entertained then now is the time to plan the month. Get yourself an A4 piece of paper and draw 31 squares and start filling in the days.
    Free activities are preferred - can we all share some tips?
    is there a friend or family member you haven’t seen for a while – plan a catch up with them.

    Spends – we will have 15 NSD’s (unless you want to set a separate target).
    Medical spends or days when the only purchase is reduced items do not count as spends.

    Time (for yourself) – make time for yourself this month, I know its hectic for a lot of people so take time to have a coffee in peace, a bubble bath, indulge in a good book, do some colouring or something else that takes your fancy.

    The challenge will run from 1st August 00:01 until 31st August 00:00.

    Please post as much as possible to let us know your progress.
    Ninja Saving Turtle No. 33 for October
    NSD - 0/18
    (up to 01/10/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
Page 1
    • Eager_Elephant
    • By Eager_Elephant 29th Jul 17, 3:16 PM
    • 4,107 Posts
    • 22,145 Thanks
    Eager_Elephant
    • #2
    • 29th Jul 17, 3:16 PM
    • #2
    • 29th Jul 17, 3:16 PM
    Turtles:
    1. EagerElephant
    2. mothernerd
    3. misstara
    4. Toni'sfriend
    5. x_raphael_x
    6. lcc86
    7. FurryBeastOz
    8. Lauralozzle
    9. swimminginaseaofdebt
    10. apple muncher
    11. Florence J
    12. greent
    13. crazy_cat_lady
    14. Fmess
    15. cuddlymarm
    16. Calling14
    17. better_times
    18. thriftylass
    19. bizzie
    20. Munchin
    21. beanielou
    22. LD_13
    23. f0xh0les
    Last edited by Eager_Elephant; 03-08-2017 at 9:15 PM.
    Ninja Saving Turtle No. 33 for October
    NSD - 0/18
    (up to 01/10/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • mothernerd
    • By mothernerd 29th Jul 17, 3:32 PM
    • 2,113 Posts
    • 21,598 Thanks
    mothernerd
    • #3
    • 29th Jul 17, 3:32 PM
    • #3
    • 29th Jul 17, 3:32 PM
    Yes please EE.
    Building a rainbow of happiness and joy
    NST Oct #1 SFD 9/20 Food £71.25/ £100 Travel £3/10 DIY £17/30 Debt free and EF January 2016 No mortgage Progress through plodding, baby steps and purposeful pottering
    • misstara
    • By misstara 29th Jul 17, 3:33 PM
    • 2,406 Posts
    • 16,707 Thanks
    misstara
    • #4
    • 29th Jul 17, 3:33 PM
    • #4
    • 29th Jul 17, 3:33 PM
    Thanks Eager_Elephant, count me in
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1414.77 (38.6% paid)
    Mini Targets
    Exercise target - Run 4/8, Gym 1/4. Groceries target £139.97/£150. NSD target 12/20.
    • Toni'sfriend
    • By Toni'sfriend 29th Jul 17, 4:07 PM
    • 849 Posts
    • 7,691 Thanks
    Toni'sfriend
    • #5
    • 29th Jul 17, 4:07 PM
    • #5
    • 29th Jul 17, 4:07 PM
    Me too, please.
    • x_raphael_xx
    • By x_raphael_xx 29th Jul 17, 4:53 PM
    • 3,402 Posts
    • 17,122 Thanks
    x_raphael_xx
    • #6
    • 29th Jul 17, 4:53 PM
    • #6
    • 29th Jul 17, 4:53 PM
    I'm in please!
    Debt Free as of 17/01/2009 Turtle Power!!
    - NSD's - /20
    EF Challenger #36 £1000/£5050
    / Lose weight 22.2 / 30lbs
    • lcc86
    • By lcc86 29th Jul 17, 5:23 PM
    • 886 Posts
    • 2,363 Thanks
    lcc86
    • #7
    • 29th Jul 17, 5:23 PM
    • #7
    • 29th Jul 17, 5:23 PM
    Count me in please! Aiming for 18 NSD's and 20 healthy days.
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 01/10/17 - £420 2017 365 day challenge £527 saved for emergency fund
    • FurryBeastOz
    • By FurryBeastOz 29th Jul 17, 5:24 PM
    • 1,092 Posts
    • 14,409 Thanks
    FurryBeastOz
    • #8
    • 29th Jul 17, 5:24 PM
    • #8
    • 29th Jul 17, 5:24 PM
    I'm in please
    *** 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
    • Lauralozzle
    • By Lauralozzle 29th Jul 17, 5:44 PM
    • 437 Posts
    • 4,095 Thanks
    Lauralozzle
    • #9
    • 29th Jul 17, 5:44 PM
    • #9
    • 29th Jul 17, 5:44 PM
    Count me in!
    October grocery challenge £150.54/£200 | October cleaning budget £75.16/£75 | October NSD 9/15
    Credit Card: £220 (0%) | Car Finance: £8,240 (7.9% APR) | Mortgage: £111,684 (3.99% APR)
    Wedding Fund: £3,564.74
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 29th Jul 17, 5:46 PM
    • 597 Posts
    • 3,196 Thanks
    swimminginaseaofdebt
    Count me in too please

    Am being keen and adding in my aims already:

    Allocate – will allow myself £280 for this months’ spends.
    Use (up) – will use up things around the house but also get to the gym/cinema to make use of the memberships I have for these.
    Upcoming (holidays) – not a particular problem for me as keeping a 13 month old amused is pretty easy.
    Spends – will aim for 15 NSDs. Now I am back at work this will become easier as I will not be around shops as much!
    Time (for yourself) – I’ve fallen behind in my Goodreads challenge and would like to catch up this month. I need a haircut so will look out for a deal on one of the voucher sites. Or possibly a deal for a facial, though that is more of a want than a need.

    Also I’d like to:
    Take lunch to work 13 out of the 14 days I’ll be there.
    Take part in the make up to £10 a day challenge and aim for £124.
    De-clutter a minimum of 31 items from my flat (one a day shouldn’t be too hard right?!).
    Last edited by swimminginaseaofdebt; 29-07-2017 at 5:57 PM.
    Pay all debt off by Christmas 2017 #150 - £1868.05/£3729.05
    ,
    SPC10 #564
    • apple muncher
    • By apple muncher 29th Jul 17, 7:52 PM
    • 6,423 Posts
    • 46,861 Thanks
    apple muncher
    Me too, please! Thanks E_E.
    NST Organise October #10; NSD 12/20; Ex 6/20; craft 6/31 (212); remove 514
    2017 MFW#63 Pay off: £3320/£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
    • Florence J
    • By Florence J 29th Jul 17, 8:46 PM
    • 1,601 Posts
    • 9,072 Thanks
    Florence J
    Me too please EE
    Sealed Pot Challenge 10 #553 (£90) Wombling free 2017 = £1623.56 Pay off all your debts by Xmas 2017 #53 (£2953.21/£3000) Debt to OH paid back £1120.95/£1120.95
    October 2017 Credit Card Debt: £4163.86
    • greent
    • By greent 30th Jul 17, 10:47 AM
    • 6,300 Posts
    • 63,843 Thanks
    greent
    Me too, please, EE! Fell off the wagon in July - need to jump back on for August

    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) £4607/£3286
    Net sales 2017 £1202.80/£500 PAYDOX17 £11635/£10k Decluttered 1650/2017 items
    • Eager_Elephant
    • By Eager_Elephant 30th Jul 17, 12:52 PM
    • 4,107 Posts
    • 22,145 Thanks
    Eager_Elephant
    I have given everyone numbers up to here.

    Thanks for joining me.
    Ninja Saving Turtle No. 33 for October
    NSD - 0/18
    (up to 01/10/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Toni'sfriend
    • By Toni'sfriend 30th Jul 17, 1:08 PM
    • 849 Posts
    • 7,691 Thanks
    Toni'sfriend
    Goals for August

    Budget done. Try to stick to it.

    To use up you need to know what you have. Major stock take and declutter required.

    No holidays until next month and no small ones to consider. If I can drag my cousin away from her new grandson I’ll suggest afternoon tea. I will try to persuade C to visit some of the places we’ve been meaning to go to (art gallery, museum, etc.).

    Will try for 15 NSDs but want to spend as little as possible this month.

    I really have been neglecting myself recently so:

    Some minor health issues to address
    Need to get into a routine to make myself look/feel better
    Loose weight. Aiming for 7 pounds this month. I might have more success if I break this into smaller goals
    A treat a day. All suggestions gratefully received

    Think that's all for now.
    • crazy_cat_lady
    • By crazy_cat_lady 30th Jul 17, 2:44 PM
    • 3,352 Posts
    • 28,793 Thanks
    crazy_cat_lady
    I'm in please EE - really missed being part of June and July.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • Fmess
    • By Fmess 30th Jul 17, 4:12 PM
    • 2,540 Posts
    • 23,980 Thanks
    Fmess
    Me please
    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
    • FurryBeastOz
    • By FurryBeastOz 30th Jul 17, 4:34 PM
    • 1,092 Posts
    • 14,409 Thanks
    FurryBeastOz
    Rules:

    Allocate – set your budgets for the month – this needs to includes any money needed for holidays away, days out, maybe even school uniform/items. Make sure you have something allocated for treats.
    Once you have done your budget you then need to pay any surplus to your debts or savings.


    Budgets set, including increased Grocery budget I hope we don't need - DH away 1 week, large meat order coming on Tuesday already paid for.

    Extra allowed for 'Me' - work training course, possible deposit for me taking off to Bali (not likely until February, but I'm starting to squirrel.

    Use (Up) – we are going to try and use up as much as possible, whether that is clothes/food etc. Do you need new clothes for holidays or will your current clothes be suitable? Do you need those sparkly sandals when you have a similar pair in the wardrobe? Do the children need to replace all school items/clothes or can some from last year be reused?

    This week should only need fruit, veg and milk. When DH is back I will try and plan out of cupboards/freezer. I should be able to get at least two weeks of meals without needing anything other than the basics.

    Gratitudes – each time you post I would like you to post at least 3 gratitudes.

    1) This thread. It makes me think at the beginning of the month and review the previous month to learn from it. It's also driving me to dream.

    2) I have taught myself enough VB/Excel to provide a solution to a very time consuming task at work. I got very good feedback on Friday so am hopeful of a very good reference if not something longer term.

    3) Sean Bean I am about to indulge

    Upcoming (holidays) – what plans has everyone got for August? If you haven’t yet decided and are worried about keeping the kids entertained then now is the time to plan the month. Get yourself an A4 piece of paper and draw 31 squares and start filling in the days.
    Free activities are preferred - can we all share some tips?
    is there a friend or family member you haven’t seen for a while – plan a catch up with them.


    No holidays planned. I have no problems filling the days!

    Spends – we will have 15 NSD’s (unless you want to set a separate target).
    Medical spends or days when the only purchase is reduced items do not count as spends.


    Need to reduce unnecessary spends. But they inevitably go down when I am working so should have at least 2 weeks of virtually none.

    Time (for yourself) – make time for yourself this month, I know its hectic for a lot of people so take time to have a coffee in peace, a bubble bath, indulge in a good book, do some colouring or something else that takes your fancy.

    I'm off to indulge now. See you all properly on Tuesday.
    *** 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
    • greent
    • By greent 30th Jul 17, 6:37 PM
    • 6,300 Posts
    • 63,843 Thanks
    greent
    Thank you for the thread, E_E

    This month we also have National Allotment Week and National Afternoon Tea week which both happen to be on the same week so I think we need to mark these in some way – ideas to follow.
    Hmm.... I bought my mum a voucher (Gr0000pon) for afternoon tea as part of her birthday present - I think we will be using it towards the end of this month (Ideas - afternoon tea at home? - pretty/ best china, teapot & cups, tiny sandwiches and some cakes (A5da do a box of fresh cream 'afternoon tea' cakes, I believe) - a Gr000pon deal if you can afford it as part of your me time?)
    I don't have an allotment, but am growing some fruit and veggies at home - will see what I harvest this month and can use in meals

    We also have Colouring Book day on 2nd August so if you don’t have colouring book and felt pens/crayons you can go out and buy them and we won’t count them as a spend!!! - no personal plans to buy one - can download and print some colouring sheets if you feel the need - or draw and colour a picture?


    Rules:

    Allocate – set your budgets for the month – this needs to includes any money needed for holidays away, days out, maybe even school uniform/items. Make sure you have something allocated for treats.
    Food £450. Entertainment (inc meals out, days out, icecreams out etc) £250. Gifts £75. School uniform & shoes £300 (have already bought a lot, too... ) Other clothes £120. Car £175 (MOT/ service due) Also setting a sales target of money in of £150
    Once you have done your budget you then need to pay any surplus to your debts or savings. OH's current account does a round up of debit card transactions and sweeps this to a savings account, which will go towards holiday fund. £250/ mth being saved towards final payment of his car

    Use (Up) – we are going to try and use up as much as possible, whether that is clothes/food etc. Do you need new clothes for holidays or will your current clothes be suitable? Do you need those sparkly sandals when you have a similar pair in the wardrobe? Do the children need to replace all school items/clothes or can some from last year be reused?
    DS2 is starting secondary school in Sept - total new uniform (different school to his older siblings) although have already purchased some. New shoes, rugby boots and school trainers will also be needed. DS1 should be ok - new shirts already purchased, and suit will be fine (M&S washable) for UVIth form. His shoes will last for a few months at least (although need a good polish!) Will need to check if he has sufficient black socks (his room eats them.....) DS3 needs more school socks. May need new white PE polo - will need to check what I have as hand-me-down/ spares. Will definitely need new school shoes and PE trainers.
    DS1 needs a pencil case! I also need 2 new lunchboxes and 2 water bottles for the boys.
    DS2 and DS3 will need new out-of-school trainers. DS1 could also do with a new pair of casual shoes. I could do with another pair of jeans (only have 1!)
    Food - am on a use up mission, anyway - Autumn glut will be starting and I can't fit it all in freezer. Plus I need to save some money somewhere!
    Toiletries/ cleaning stuff - we are on a general use up mission of these in the household too. Have several part used bottles of cleaning stuff acquired from clearing out DD's shared kitchen (she was last one left) so they are my targets to use (several down already, several still to go! D)


    Gratitudes – each time you post I would like you to post at least 3 gratitudes.

    Upcoming (holidays) – what plans has everyone got for August? If you haven’t yet decided and are worried about keeping the kids entertained then now is the time to plan the month. Get yourself an A4 piece of paper and draw 31 squares and start filling in the days.
    Free activities are preferred - can we all share some tips?
    is there a friend or family member you haven’t seen for a while – plan a catch up with them.
    Need to catch up properly with my sister (although did bump into her when out today, but only briefly)
    Couple of days out with friends and their children planned - they are usually of the free and take a picnic variety, thankfully


    Spends – we will have 15 NSD’s (unless you want to set a separate target).
    Medical spends or days when the only purchase is reduced items do not count as spends.

    Time (for yourself) – make time for yourself this month, I know its hectic for a lot of people so take time to have a coffee in peace, a bubble bath, indulge in a good book, do some colouring or something else that takes your fancy.
    I plan on getting some of my unread books read (and passed on!)

    Even though it's still July -
    Today I am thankful for:
    * bumping into my sister and her OH when out
    * my mum offering to look after smalls whilst we popped out (enabling the above to happen )
    * finding a gorgeous pair of gloves in the clearance bit at M&S outlet (I ordered them at Xmas but returned them as couldn't justify them) for me - in my size and favourite colour
    * simple pleasures of playing card games with the smalls
    * gorgeous HM bread used in sandwiches for lunch
    * lovely hg tomatoes used in above sandwiches
    * DS3 sleeping in until almost 8am! (not sure that's ever happened before - and he's 8!)
    * MSE - it keeps me sane at times!
    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) £4607/£3286
    Net sales 2017 £1202.80/£500 PAYDOX17 £11635/£10k Decluttered 1650/2017 items
    • cuddlymarm
    • By cuddlymarm 31st Jul 17, 8:25 AM
    • 1,087 Posts
    • 4,931 Thanks
    cuddlymarm
    Can you include me too please EE
    I'll pop back later with my targets
    Cuddles
    August food spend £94.18/£120
    Exercise week 1 4/4 week 2 5/4 week 3 week 4
    NSD5/15
    Treat budget £43.75/£40
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