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  • FIRST POST
    • NinjaSavingKat
    • By NinjaSavingKat 27th Nov 12, 9:26 PM
    • 3,212Posts
    • 20,097Thanks
    NinjaSavingKat
    December Debt Destruction!!!
    • #1
    • 27th Nov 12, 9:26 PM
    December Debt Destruction!!! 27th Nov 12 at 9:26 PM
    December Debt Destruction Are YOU Tough Enough?


    Clear Up, Clean Up, And Take Control


    I hate New Years resolutions. Its almost a prerequisite that you should have already decided to stop resoluting by February. With your debts it cant be like that. Many of us are in for the long haul so we should start Debt Destruction TODAY! I want to encourage YOU to clear up the straggled ends, decide today how you will proceed through 2013 and nurture some good behaviours and a new mind set.

    Following the success of my Just Say NOvember challenge it has been brought to my attention that another challenge is required for the month of December. There are a distinct collection of ruthless, money-crunching, unashamed penny-pinchers desperate to turn the heat up on those debts!!! So who am I not to indulge YOUR requests!

    We are to embrace the austerity of the days gone by, ration our food and not be wasteful.
    We will make do and mend and we will pull together!

    December is the most horrific money funnelling month of the year and there are some serious demands surrounding us as we prepare! You are being bombarded by messages in every form telling you what you MUST buy for Christmas, what will make it magical and what will make it memorable! I am calling a halt to all this, giving YOU the excuse to say NO and hoping that I can help you prepare for that new cleaner outlook for 2013.

    I am ruthless about my debt, and I am desperate to live a debt-free life and I want to drag you with me!!! I am planning to be rid of my debt (currently standing at around 14,000) by the end of 2013 but give myself personal challenges to deal with until thenso I would appreciate some company along the way! Please?

    I cant say this wont be hard but the interaction between users has been encouraging and everyone will help you. So please, stop faffing about, take responsibility and give me your name!

    There are rules to abide by! Simple ones though, meaning you can keep track of your progress, boast about, and share your successes or indeed failures and bad days. There is only so much I can dictate to you about your Christmas though. This is the most difficult month to plot for as everyone is feeding a different amount of people, budgeting differently and living in different areas with differing prices to deal with. You are an adult but this is about being honest but at least you will know you are not in this by yourself!!

    So read up and sign up!



    This challenge commences on the 01st December 2012 @ 00:01 and finishes on 31st December 2012 @ 23:59.
    Minimum 20 NSD. Please pledge this on the NSD board, do not do this on this thread. http://forums.moneysavingexpert.com/showthread.php?t=4312083
    6 X 20 MINUTE SESSION OF EXERCISE A WEEK. However you wish you do this, just get your butt moving! This needs to be broken up throughout the week!
    Food budget must decided upon before the commencement of this challenge then slashed by 30. I am assuming you have started Christmas food shopping and wont need too much more yes?
    Spend Money for anything else needs to be pre-agreed prior to the commencement of DDD. This includes last minute gifts, parties, food thats to be taken to any party, and alcoholic drinks.
    No foods are to be purchased at work canteens / cafes etc. If you are having a family day out packed lunches are the only lunches allowed.
    All money needed for the month for food or spends is to be withdrawn and placed in envelopes clearly marked for purpose.
    3 Wildcard Days are allowed. To qualify for one you must make the same amount of money as you plan to spend all in that same day. These are only for emergencies if you NEED something. You make 5 on eBay; you are allowed to use it without losing an NSD etc.
    An NSD does not include petrol, car maintenance, medications, household bills and travel to work.,
    On one of your NSDs find a homeless person and buy him/her a tea / coffee out of your budget. Dont assume either, talk to the person and ask what they prefer.
    NO Beauty spends for the ladies over 5.
    NO extra beer for the boys at all. If its in your house drink it, then start on the soft drinks.
    Set a petrol allowance and stick to it. When in doubt walk.
    Those that completed NOvember get rid of what is in your cupboards before buying Christmas supplies.
    Those of you who are new to this challenge clear your cupboards and freezer BEFORE buying any more food. You DO NOT NEED reems of food for Christmas Day. Buy very CAREFULLY. What do you always buy each year that NEVER gets eaten?
    Call 5 friends / family members / acquaintances / work colleague / virtual strangers and tell them you will not be buying gifts this year.
    DO NOT enter any secret Santa at work or anywhere else.
    Batch cook now, try to avoid massive tins of sweets, fancy biscuits in expensive tins and 7 cakes from M&S.
    Down-shift some essentials to Supermarket Own Brandsget the family used to it now!!!
    NO ENTRY to any sales in the month of DDD. Unless you have a planned budget and have been saving for a specific item PLEASE do not go to the Boxing Day Sales. I just put a dress from NEXT on eBay that I bought last Boxing Day and never wore. Its temptation you cant handle to buy tat you really dont need. STAY AT HOME!!!
    Buy one of these. Start filling it. You will not be given access for 1 year. Once its full you start another one.
    http://www.amazon.co.uk/s/ref=nb_sb_noss_2?url=search-alias%3Daps&field-keywords=money+tins

    And finally - as annoying as this will be ( amongst everything else ) I need you to keep a spending diary. Something will always crop up that you need to spend pennies on... write it all down. ON your phone, scrap of paper.. keep these scraps safe though...

    PLEASE DO NOT RE-POST THIS ENTIRE THREAD. IF U WISH TO JOIN JUST ADD YOUR NANE TO A PAGE AND I'LL GET YOU A NUMBER. I DO NOT NEED TO KNOW HOW YOU FEEL ABOUT EACH POINT WITH THE POINT RE-ADDED AS WELL- IT TAKES UP TOO MUCH ROOM!!!
    Last edited by NinjaSavingKat; 30-11-2012 at 10:19 AM.

    On the road of life..
Page 1
    • NinjaSavingKat
    • By NinjaSavingKat 27th Nov 12, 9:26 PM
    • 3,212 Posts
    • 20,097 Thanks
    NinjaSavingKat
    • #2
    • 27th Nov 12, 9:26 PM
    • #2
    • 27th Nov 12, 9:26 PM
    This is simply to add names of CONTENDERS!!!!

    - NSK = #1
    - Cranny44 = #2
    - P0lly = #3
    - LiltDiddyLilt = #4
    - CandyCupCake = #5
    - Siouxsie32 = #6
    - DeterminedDiva = #7
    - TriftyLass = #8
    -TomandJerry = #9
    - Sholly = #10
    - GelMC = #11
    - JAMIEDODGER = #12
    - CouldSaveMore = #13
    - WantToBeSE = #14
    - Sunflower27 = #15
    - PurpleJay = #16
    - Determined New Ms = #17
    - MancMan86 = #18
    - St Good = #19
    - The_Cat = #20
    - Lozzy81 = #21
    - SkintSue = #22
    - Abundant72 = #23
    - TwoBoysMama79 = #24
    - NewLeafMum = #25
    - MissyV30 = #26
    - Nanell = #27
    - SpecialKaye = #28
    - Mimi35 = #29
    - NannyGladys = #30
    - Want2makeitstretchfurther = #31
    - JayC = #32
    - Kerfuffle = #33
    - Rachel84 = #34
    - Lafolie = #35
    - Searching_Me =#36
    - WishingMyLifeAway = #37
    - Learning to Budget =#38
    - BrizzledFW = #39
    Last edited by NinjaSavingKat; 01-12-2012 at 11:45 AM.

    On the road of life..
  • Determined diva
    • #3
    • 27th Nov 12, 9:33 PM
    • #3
    • 27th Nov 12, 9:33 PM
    Are you executing us to comply with all the bullet points ( I know that's impossible for me!) or pick 3 of them say?
    SPC 6 #234, Pay all your debts 2015 = #25
    Save 12k in 2015 = #68
    Save 1 per day for Xmas 2015= #82
  • p0lly
    • #4
    • 27th Nov 12, 9:35 PM
    • #4
    • 27th Nov 12, 9:35 PM
    Wow you are tough but I am in. Better start Plan plan planning P0lly x
    JBFF # 20 NSD 12/25
    Jan Grocery budget 77 /100
    • NinjaSavingKat
    • By NinjaSavingKat 27th Nov 12, 9:37 PM
    • 3,212 Posts
    • 20,097 Thanks
    NinjaSavingKat
    • #5
    • 27th Nov 12, 9:37 PM
    • #5
    • 27th Nov 12, 9:37 PM
    Are you executing us to comply with all the bullet points ( I know that's impossible for me!) or pick 3 of them say?
    Originally posted by Determined diva
    Please tell me you are joking?

    Yes all please...


    On the road of life..
    • liltdiddylilt
    • By liltdiddylilt 27th Nov 12, 9:45 PM
    • 4,017 Posts
    • 28,031 Thanks
    liltdiddylilt
    • #6
    • 27th Nov 12, 9:45 PM
    • #6
    • 27th Nov 12, 9:45 PM
    "Do, or do not. There is no try." - I live by this. And I think I am going to fail miserably at DDD but hell, sign me up please!!!
    NST June: SFD: 11/20 Groc/Toil/House: 0/250
    A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie
  • CandyCupcake
    • #7
    • 27th Nov 12, 9:46 PM
    • #7
    • 27th Nov 12, 9:46 PM
    Kat I am in!!!

    There are a couple of things that aren't applicable to me, like the not buying presents for 5 people a I only by for a couple of people anyway. I would be minus people if I stopped buying for 5 haha

    In regards to the homeless person, I must say I don't think I have ever seen a homeless person around here?? Can I maybe buy some food for the pets at my local sanctuary or feed a stray?

    But my food budget for the month is at 70 and my petrol budget is 70... I will be walking my doggy for 20mins at least 6 times a week for my exercise

    You really are a genius with these challenges. Thank you.

    Candy
    x
    Total debt to date: 3,238.10
  • Siouxsie32
    • #8
    • 27th Nov 12, 9:50 PM
    • #8
    • 27th Nov 12, 9:50 PM
    Yeay, found you all Ok, I'm off to read the rules, but count me in
    450 Day Debt Slaying Challenge:
    9107.25 0 (60 days early)
    New Challenge for 2014:
    20,136.47 15989.65 (More than twice as much in less time )
  • Determined diva
    • #9
    • 27th Nov 12, 9:57 PM
    • #9
    • 27th Nov 12, 9:57 PM
    Please tell me you are joking?

    Yes all please...

    Originally posted by NinjaSavingKat
    Lol Kate I was being serious ha ha! I only managed 6/25 for NSD November

    You're scary though so I'm gonna say count me in! Will try my hardest
    SPC 6 #234, Pay all your debts 2015 = #25
    Save 12k in 2015 = #68
    Save 1 per day for Xmas 2015= #82
    • NinjaSavingKat
    • By NinjaSavingKat 27th Nov 12, 10:01 PM
    • 3,212 Posts
    • 20,097 Thanks
    NinjaSavingKat
    You're scary though so I'm gonna say count me in! Will try my hardest
    Originally posted by Determined diva
    This made me smile. I don't mean to shout when I use capitals, I must stress that. I just simply want people to realise where all the money goes.

    I am just about to add one more thing to the list - which is to keep a list of what your money is spent on... a very thorough list... even that 75p for a card or something from a charity shop..

    Your names speaks volumes - you are Determined. Thats all I ask.

    WELCOME on board ladies. You are all numbered!

    On the road of life..
  • thriftylass
    Oh count me in!!! I'll have a proper read throughthe rules tomorrow and start planning to get numbers.
    NST wombling turtle no 19
    SFD 2/20 food 95/250
    HH/other 96/90 CC 3760 (0%) Wedding debt 2500 1905 1775 1588 1500 1157 1000 1733 1477 900 (0%)
    DFD Dec '16
  • Determined diva
    This made me smile. I don't mean to shout when I use capitals, I must stress that. I just simply want people to realise where all the money goes.

    I am just about to add one more thing to the list - which is to keep a list of what your money is spent on... a very thorough list... even that 75p for a card or something from a charity shop..

    Your names speaks volumes - you are Determined. Thats all I ask.

    WELCOME on board ladies. You are all numbered!
    Originally posted by NinjaSavingKat
    I know your not shouting I'm teasing you :-) its good to have someone motivated on here to round troops up... You are our ddd Sargent

    The list is the one thing I started 2 days ago actually!

    I'm missing my salad at work already :-(
    SPC 6 #234, Pay all your debts 2015 = #25
    Save 12k in 2015 = #68
    Save 1 per day for Xmas 2015= #82
    • NinjaSavingKat
    • By NinjaSavingKat 27th Nov 12, 10:06 PM
    • 3,212 Posts
    • 20,097 Thanks
    NinjaSavingKat
    Kat
    In regards to the homeless person, I must say I don't think I have ever seen a homeless person around here?? Can I maybe buy some food for the pets at my local sanctuary or feed a stray?
    Originally posted by CandyCupcake
    Okay I like the stray idea! Do that instead!

    On the road of life..
    • NinjaSavingKat
    • By NinjaSavingKat 27th Nov 12, 10:07 PM
    • 3,212 Posts
    • 20,097 Thanks
    NinjaSavingKat

    Determined
    I have had to stay out of the canteen due to macaroni and cheese heart palpitations...

    On the road of life..
  • Determined diva
    I have taken a photo of the bullet points... Will print this out tomorrow x3.. One for my fridge, one for purse and one for desk! Eeeek
    SPC 6 #234, Pay all your debts 2015 = #25
    Save 12k in 2015 = #68
    Save 1 per day for Xmas 2015= #82
  • CandyCupcake
    I am completely excited for this - bring it on! I already have my money tin at the ready

    Candy
    x
    Total debt to date: 3,238.10
  • Siouxsie32

    • On one of your NSD’s find a homeless person and buy him/her a tea / coffee out of your budget. Don’t assume either, talk to the person and ask what they prefer.
    Originally posted by NinjaSavingKat
    Nice touch! Reminds me of one time I was in New York and I had just bought two slices of pizza (one wasn't quite enough, two too much but I was hungry so went with two). Anyway, I saw a homeless man and felt a bit bad so I gave him one of my slices. As I walked away I heard "Hey lady, you forgot the pepperoni".

    I've seen those money tins in the pound shop. I bought one a few years ago and my tin opener wouldn't open it because the metal rim was too high. Had to attack it in with a chisel in a moment of desparation!

    Spending diary? Geekily I have a column in my spreadsheet for spends!
    450 Day Debt Slaying Challenge:
    9107.25 0 (60 days early)
    New Challenge for 2014:
    20,136.47 15989.65 (More than twice as much in less time )
  • Determined diva
    I have got 4 of the big money tins and 1 small one lol I'm on a mission in 2013 I mean it!

    Small = 2 challenge
    Big 1 = 20p challenge
    SPC 6 #234, Pay all your debts 2015 = #25
    Save 12k in 2015 = #68
    Save 1 per day for Xmas 2015= #82
    • rising from the ashes
    • By rising from the ashes 27th Nov 12, 10:20 PM
    • 12,236 Posts
    • 59,081 Thanks
    rising from the ashes
    Wow! I'm out (again!) as can't stick to some of the bullet points booger as I've been holding off declaring a NSD target on the December thread as I was waiting to see what it was ....

    • Food budget must decided upon before the commencement of this challenge then slashed by 30. I am assuming you have started Christmas food shopping and won’t need too much more – yes?
    Nope - Christmas food shopping not started ...... normal food budget still way more than normal as still on this really restricted diet!
    • All money needed for the month for food or spends is to be withdrawn and placed in envelopes clearly marked for purpose.
    No way of achieving this - I buy everything on my c/card (paid in full each month) and budget wouldn't allow a full month withdrawal of cash as work 2 weeks in advance / 2 weeks in arrears due to c/card cut off & pay dates
    • Set a petrol allowance and stick to it. When in doubt walk.
    Nearest town is 7 miles & use a walking stick .... sorry but just not feasible
    Originally posted by NinjaSavingKat
    A couple of wee questions ....

    • An NSD does not include petrol, car maintenance, medications, household bills and travel to work.,
    What about things from other budgets - eg pets stuff comes from their pot (which has already been set aside in a separate account) - is like having money in an envelope?

    On one of your NSD’s find a homeless person and buy him/her a tea / coffee out of your budget. Don’t assume either, talk to the person and ask what they prefer.
    Bit confused .... how can you buy tea / coffee if it's a NSD or am I being really stupid (probably!)
    Originally posted by NinjaSavingKat
    Glad I've not failed on everything .....

    • Call 5 friends / family members / acquaintances / work colleague / virtual stranger’s – and tell them you will not be buying gifts this year.
    Already don't buy!
    • DO NOT enter any secret Santa at work or anywhere else.
    Done!
    • Those of you who are new to this challenge clear your cupboards and freezer BEFORE buying any more food. You DO NOT NEED reems of food for Christmas Day. Buy very CAREFULLY. What do you always buy each year that NEVER gets eaten?
    Freezers inventoried & need to use up some of the stuff lurking in there!
    • Down-shift some “essentials” to Supermarket Own Brands…get the family used to it now!!!
    Do this anyway - where possible (food restrictions)
    •• NO ENTRY to any sales in the month of DDD. Unless you have a planned budget and have been saving for a specific item PLEASE do not go to the Boxing Day Sales. I just put a dress from NEXT on eBay that I bought last Boxing Day and never wore. Its temptation you can’t handle to buy tat you really don’t need. STAY AT HOME!!!
    Happy to & honestly can't imagine a worse way to spend a day! I HATE shopping
    • Buy one of these. Start filling it. You will not be given access for 1 year. Once its full you start another one.
    http://www.amazon.co.uk/s/ref=nb_sb_noss_2?url=search-alias%3Daps&field-keywords=money+tins
    Already started!
    You can also get tins in places like land, stretcher for those who need some (really need to get to somewhere like that but can't just now & it's really frustrating - keep looking for stuff online that I know I can get there cheap & it's way more expensive!
    Originally posted by NinjaSavingKat
    Spending diary .... done it for years!

    mmmmmm wish you luck again .... and will be there supporting you and cheering you on from the sidelines

    Last edited by rising from the ashes; 27-11-2012 at 10:24 PM.
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
  • Siouxsie32
    I'm in the same boat as CandyCupcake, I only buy gifts for my immediate family so can't cut out 5 people so what i propose instead is that I make the money from somewhere for all their gifts (eg sell something on ebay). Does that work? 6 kids to buy for and there would be tears if I left 5 of them out
    450 Day Debt Slaying Challenge:
    9107.25 0 (60 days early)
    New Challenge for 2014:
    20,136.47 15989.65 (More than twice as much in less time )
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