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    • NinjaSavingKat
    • By NinjaSavingKat 29th Jan 13, 3:56 PM
    • 3,214Posts
    • 20,121Thanks
    The Ultimate February Challenge
    • #1
    • 29th Jan 13, 3:56 PM
    The Ultimate February Challenge 29th Jan 13 at 3:56 PM
    The Ultimate February Challenge; 28 days Later!!!
    Take Only What You Need

    We have all heard of or watched the zombie film 28 Days Later. A man wakes up in a deserted, litter strewn and creepy London. He realizes the world has been taken over by the walking dead so he runs. What does he take with him - only what he needs! He meets with others and they travel together, protecting and encouraging one another and what do they take with them - only what they need!!!

    I am on a journey! Every month a new challenge arises with barbarians ready to take on this challenge and join me on my quest of debt freedom. I am fighting the great fight against the marketing of merchandise I supposedly need, of conglomerate food prices and the ever present girly urge to buy something new and shiny!!!

    So join me dear reader, follow my rules, support your comrades and clear those debts. The theme this month is this; take only what you need! Afterall it’s only 28 days?

    It started as rioting. But right from the beginning you knew this was different. Because it was happening in small villages and market towns. And then it wasn't on the TV any more. It was in the street outside. It was coming in through your windows. It was a virus. An infection!”
    This infection = SPENDING!

    There are rules to follow but you need to create and discover your own self-restraint, your own desire to succeed and your own strength. This month’s challenge is a little bit different to others that have been posted in the past few months.

    We will use “Spend Free Day” = SFD to indicate your lack of spending on a particular day. Mark up your name on this thread and you will be added with a number for “UFC”. If you are wanting to lurk and cheer-lead please do. If this challenge doesn’t suit you please be aware it is VERY difficult to incorporate rules that suit everyone. Perhaps this challenge isn’t for you.

    1. This challenge will commence on the 1st February 2013 @ Midnight and finish on the 28th February 2013 @ Midnight.
    2. In light of some needing to avail of yellow sticker promotions when they are immediately available (me included) there is NO specifically required SFD. You are NOT tied into only doing your spending on a particular day. But if by chance you DO have a SFD tell us anyway.
    3. Those who are desperate to be told what to do and work better with rigid rules I want 20 SFD's.
    4. Set your overall budget before the commencement of UFC. Make sure you are compensating for food, possible vehicle malfunctions, birthdays, public travel and outings and also include beauty products. Then see if anything can be deducted from that. This month has to be TIGHT with the most amount of money saved.In total including food mine is £150.
    5. Ladies downshift some beauty bits. Use up EVERYTHING of what you have then reconsider that £30 foundation, the £25 face wash and such like. Are these products REALLY making a difference of providing a nice placebo effect? I downshifts my hairspray from Tresemme @ £2.89 to Tesco's Everyday Value @ 37p. No major difference!
    6. Social outing MUST be planned for and budgeted for otherwise you don’t go. Book your friends in now.
    7. Food budget has to be set and stuck too religiously. Many mishaps in January on my part will now be rectified. My budget is £60!!
    8. As with every other challenge those with stuffed cupboards need to clear them first - your budget will be for essentials like milk, bread, fruit and vegetables. You will be astounded by how much you save.
    9. Buy a homeless person a coffee/tea out of your budget.
    10. Get to grips with eBay, get ruthless and sell what you haven’t worn in 6 months and what you haven’t read. No particular budget required but I would say a minimum of £50 is a good start for each participant.
    11. Bring your lunch to work everyday with no exceptions. Stay away from Starbucks, Costa, Nero, work Canteens, cafes and take away’s. Buy a travel mug or flask and use that and batch cook.
    12. Put aside £10 for a treat at the end of the month - preferable day 28. it can be anything as your reward. Mine will food related no doubt!

    That’s it. Who’s with me?

    When joining in please do not copy and paste this entire thread and comment on each point. You are either in or out. It will take up too much space and clog the thread. When you are putting forth your name just a one liner is sufficient. Commenting, cheering, lurking and updates will commence on the 1st February only. Until then I will simply be adding names to the list. And please remember the theme of this thread is to HELP ONE ANOTHER so unhelpful, nasty or rude comments will not be tolerated and marked as spam and reported

    This Forum Tip was included in MoneySavingExpert's weekly email

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    Last edited by Former MSE Debs; 05-02-2013 at 5:37 PM.

    On the road of life..
Page 1
    • NinjaSavingKat
    • By NinjaSavingKat 29th Jan 13, 3:56 PM
    • 3,214 Posts
    • 20,121 Thanks
    • #2
    • 29th Jan 13, 3:56 PM
    • #2
    • 29th Jan 13, 3:56 PM
    Saved for the barbarian contenders..... are you ready???

    1 = NSK
    2 = StopLurking
    3 = KarmaChiLoveThing
    4 = ThriftyLass
    5 = Kerfuffle
    6 = Sholly
    7 = Ninno820
    8 = Mayfair1985
    9 = RosisCheeksBlossom
    10 = NikSyg
    11 = HappyBeingMe
    12 = Siouxsie32
    13 = PurpleJay
    14 = Cranny44
    15 = PoodleGal
    16 = BeckyBoo1980
    17 = Abundant1972
    18 = SunnyFace
    19 = LearningToBudget
    20 = Fairy3
    21 = LionHeartedGirl
    22 = CandyCupcake
    23 = WiggysGirl
    24 = NannyGladys
    25 = DottyDoodle
    26 = Maylea
    27 = Everhopeful09
    28 = KM1977
    29 = Squinky
    30 = Gien
    31 = StressedSteph
    32 = Missyv30
    33 = Munchin
    34 = Capricious
    35 = WantTobeSE
    36 = Welshdreamer71
    37 = CrazyCatLady1
    38 = IWillSucceed
    39 = YorkshireLass
    40 = His_Missus
    41 = ComplimentsChemistry
    42 = RebekahR
    43 = Oompa Loompa
    44 = Gretchen2012
    45 = Kerri_DFW
    Last edited by NinjaSavingKat; 04-02-2013 at 9:40 AM.

    On the road of life..
    • stoplurking
    • By stoplurking 29th Jan 13, 4:02 PM
    • 237 Posts
    • 1,409 Thanks
    • #3
    • 29th Jan 13, 4:02 PM
    Here goes
    • #3
    • 29th Jan 13, 4:02 PM
    I'm in. back later with Budget
    LBM Oct12 Debts at LBM £17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 £120/£4000 3%
  • karmachilovething
    • #4
    • 29th Jan 13, 4:05 PM
    • #4
    • 29th Jan 13, 4:05 PM
    I'm in too. Will confirm budgets later.
    Total debt: £9473.62 £7,384.87 22% PAID
    TAF #25 NSD 8/12 | Food £43.45/£50 | eBay 0/20 | Exercise 5/18
    Proud to be Dealing with my Debt
    DFD: June 2015
    • thriftylass
    • By thriftylass 29th Jan 13, 4:43 PM
    • 2,166 Posts
    • 17,255 Thanks
    • #5
    • 29th Jan 13, 4:43 PM
    • #5
    • 29th Jan 13, 4:43 PM
    Count me in, off to read the rules. Thought I commit first so I can't chicken out

    Thanks for a great new thread NSK

    Edit. 20 SFD should be ok. As I already did my numbers for Feb I can let you know my budget. It's £290. That basically includes all variable spends/bill i.e. my mobile, my fuel/bus money, food for 2.5 people (£150, gonna try again as I went way over last months, so the initial aim is to finally make that target) as well as HH and extras. It's my birthday on Valentine's but I'm not planning anything big. Maybe BF will take me out for tea or we have friends for dinner (in the budget). Ebay is my friend now so set myself a target of £100
    Last edited by thriftylass; 30-01-2013 at 2:56 PM.
    NST Nov turtle no 14
    SFD 14/15 spend 764/700 Exercise 7/15
    Debt - all 0% 4667/5290 (11.7% paid off)
    DFD Dec '16
    • Kerfuffle
    • By Kerfuffle 29th Jan 13, 4:52 PM
    • 1,281 Posts
    • 10,740 Thanks
    • #6
    • 29th Jan 13, 4:52 PM
    • #6
    • 29th Jan 13, 4:52 PM
    Count me in too please.

  • Sholly
    • #7
    • 29th Jan 13, 4:58 PM
    • #7
    • 29th Jan 13, 4:58 PM
    Can I have a number please Kat?
    DFW and MFW
    Debt free target: June 2016
    15 months to go
  • Ninno820
    • #8
    • 29th Jan 13, 5:03 PM
    • #8
    • 29th Jan 13, 5:03 PM
    Count me in as well please. I want to set a total budget of £228 to include everything from lunch out to hairdressers with food and groceries included. Will aim for 20 SFD and £50 ebay as well.
    44 day challenge

    1. Pay £650 off overdraft (£ 288/ £650)
    2. Lose 12 lbs (4.5/ 12)
    3. Use YNAB everyday (6/44)
  • mayfair1985
    • #9
    • 29th Jan 13, 5:13 PM
    • #9
    • 29th Jan 13, 5:13 PM
    I'm back in. Will be back to post a shameful budget later.

    Barbarian #10 reporting for debt slaughtering, eBay plundering, survey site pillaging and general bludgeoning of those red figures.

    My friends are booked in. Apparently they missed us in January and all want to do things in Feb, which is fine but you know, purse strings etc.

    There's a lot going on this month that's going to cost. I've been shying away from the budget doing but shall do it tonight after a run. In the same breath I'm so happy with how January went (and December, and November) that I am not to sad about the coming month. It'll be nice to relax a bit after being so blinking strict for the last 3!

    Lets Get It ON!!!!!!

  • rosiecheeksblossom
    Hello everyone

    NSK, Keeping up the good work as always

    As in the Hokey Kokey, Im putting my whole self in for your february challenge, just not letting my whole self out.....

    Not sure about numbers yet, will get back to you soon, dont get paid until thursday and wages are never the same every month.

    Looking forward to it xxx
    Halifax CC All paid Mort £7669.99,Car loan 31 months to go
    Food 99.25/100 Petrol 133.12/150 presents 59.12/80 going out 73.75/150 toiletries 4.50/5 other 179.07/100 money made 480 SFD 11/20
    • niksyg
    • By niksyg 29th Jan 13, 5:48 PM
    • 677 Posts
    • 3,566 Thanks
    I am IN! Already set budget in my head, will go through figures and update.
    Trying hard to reduce our debt and live more simply.
    1% Challenge No. 305: 100% of £1380 paid
  • Happybeingme
    Hi, please could I join ~ I'll sort the figures out tomorrow

    Sealed Pot Challenge #103 (SPC '13 ~ £197) (SPC '14~ £74/£350 Target for Christmas/£400 target for Holiday ~ £750 Total)
    ~ Star from Sue-UU

    Bank of Mum £40/£3600; Catalogue £165/£165; Overdraft £250/£250
    • Siouxsie32
    • By Siouxsie32 29th Jan 13, 5:57 PM
    • 1,763 Posts
    • 10,640 Thanks
    Me too!!! I'll be back later with my budgets....
    November Challenge £10 per Day: £218.41/£300
  • PurpleJay
    I'm in, bring it on!

    Will be working out my budgets in the next day or two
    'Life isn't about waiting for the storm to pass,
    it's about learning to dance in the rain'

    January 2015
    Grocery 0/200, Fuel 0/150, Pets 0/100, SFD 0/18
  • Cranny44
    Count me in please NSK
    Updating .................................................
  • poodlegal
    I'm in! Will go and number crunch-
  • beckyboo1980
    Please add me on to your list! Up for this with bells on!!!!
    Will work out budgets this week and add asap.
    Pay off all your debts by Xmas 2014 #45
    £1197.48/£12,047 - 9.9%
    The Janus Illusion #22
    SFD - 5/20
    • abundant1972
    • By abundant1972 29th Jan 13, 7:27 PM
    • 950 Posts
    • 6,425 Thanks
    Thanks again Kat!!!

    Count me in!!! Loving the zombie themed 'take what you need' idea too!!! Awesome...

    Total Budget = £180.00:

    Food Budget = £80.00
    Spends = £50.00
    Fuel = £50.00

    I have an Emergency Fund established now for the unexpected.

    Will aim for 20 Spend Free Days as I like having that structure...

    Good luck everyone!!!

    *** DEBT FREE ***
    Practice Mindfulness & Workout 3/Week
    Help To Buy ISA Deposit: £0/£1000.00

    Emergency Fund: £1000.00/£1000.00 Saved
    Follow your heart & be true to yourself always

  • sunnyface
    Count me in, please!

    Budget £300 to include everything

    EBay £50

    20 SFDs
    Last edited by sunnyface; 29-01-2013 at 8:33 PM.
    Proud to be dealing with my debts Total Unsecured Debt: £47,157 now £42,010 now £39,943 now £36674 now £34434 £32611 getting there slowly
  • mayfair1985
    I've just crunched the numbers.... I feel a bit sick

    Everything that is going out has been accounted for but I really don't want to post figures because it looks so completely ridiculous! I was on such a high but now i feel, well... blah. Not good. I don't want to have to rearrange the whole month and we will have physical money to cover it all and still make a dent in the debts just not as big a figure as last month. Someone send some positiveness my way please? And remind me that it is okay to have a life as long as you're still paying off the debt and not using credit?

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