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The Ultimate February Challenge
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# 1
NinjaSavingKat
Old 29-01-2013, 3:56 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Sep 2012
Posts: 3,071
Default The Ultimate February Challenge

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



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Travel Savings Fund ; 5500 CASH (2400 SPENT) / 12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.

Last edited by MSE Debs; 05-02-2013 at 5:37 PM.
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# 2
NinjaSavingKat
Old 29-01-2013, 3:56 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Sep 2012
Posts: 3,071
Default

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
Travel Savings Fund ; 5500 CASH (2400 SPENT) / 12000

I am too positive to be to be doubtful, too optimistic to be fearful and too determined to be defeated.

Last edited by NinjaSavingKat; 04-02-2013 at 9:40 AM.
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# 3
stoplurking
Old 29-01-2013, 4:02 PM
MoneySaving Convert
 
Join Date: Nov 2012
Posts: 149
Default Here goes

I'm in. back later with Budget
LBM Oct12 Debts at LBM 17715.93.
Orig DFD Apr15 DFD 24/12/13
Save 12k in 2014 #100 200/2400
MFW 2014 #32. 22.71/1200 weight loss 3.5/10lbs
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# 4
karmachilovething
Old 29-01-2013, 4:05 PM
MoneySaving Stalwart
 
Join Date: Aug 2009
Location: Oxford
Posts: 733
Default

I'm in too. Will confirm budgets later.
Total debt: 9473.62 7,384.87 22% PAID
TAF #25
Proud to be Dealing with my Debt
DFD: June 2015
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# 5
thriftylass
Old 29-01-2013, 4:43 PM
Serious MoneySaving Fan
 
Join Date: Oct 2008
Location: scotland
Posts: 1,657
Default

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
June back to basics
SFD 12/20 GC 178/250 HH 122/100 (vet fees!) Wedding savings 6500/9000 Exc. 8/13

Last edited by thriftylass; 30-01-2013 at 2:56 PM.
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# 6
Kerfuffle
Old 29-01-2013, 4:52 PM
Serious MoneySaving Fan
 
Join Date: Jul 2007
Posts: 1,257
Default

Count me in too please.

Debt Free Date 31.5.13
MFit - T3 # 162
2014mfw# 137 MF goal 02.02.2020
To overpay the mortgage 7 / 81 months (7000.00)
Just because a lending institution says you can afford to borrow some money, doesn't mean you should Only buy NEEDS not WANTS SPC#579
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# 7
Sholly
Old 29-01-2013, 4:58 PM
MoneySaving Convert
 
Join Date: Oct 2012
Posts: 87
Default

Can I have a number please Kat?
DFW and MFW
Debt as of 17th September 2013: 6,843.83 3,130.00 (debt minus current savings)
Debt free target: July 2014
Mortgage-free target: 30.06.18 (currently 69,800)
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# 8
Ninno820
Old 29-01-2013, 5:03 PM
MoneySaving Stalwart
 
Join Date: Apr 2009
Posts: 660
Default

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.
August make 10 a day = 0.99/310
Extra payment a week - 7.56
One debt v 100 days - 197.18 / 1000 10.1%pd
Target 1:- OD 197.18 / 1950
Total debt reduction - 1137 / 1.73%
The August Fairwell no 14 :- SFD 0 / 12, EBay 0 / 20
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# 9
mayfair1985
Old 29-01-2013, 5:13 PM
MoneySaving Stalwart
 
Join Date: Apr 2010
Posts: 492
Default

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!!!!!!

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# 10
rosiecheeksblossom
Old 29-01-2013, 5:16 PM
MoneySaving Convert
 
Join Date: Nov 2012
Posts: 156
Default

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
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# 11
niksyg
Old 29-01-2013, 5:48 PM
MoneySaving Stalwart
 
Join Date: Mar 2006
Posts: 670
Send a message via MSN to niksyg
Default

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: 11% of 1380 paid
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# 12
Happybeingme
Old 29-01-2013, 5:55 PM
MoneySaving Convert
 
Join Date: Jan 2013
Posts: 183
Default

Hi, please could I join ~ I'll sort the figures out tomorrow

Thanks
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
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# 13
Siouxsie32
Old 29-01-2013, 5:57 PM
Serious MoneySaving Fan
 
Join Date: Jan 2006
Posts: 1,725
Default

Me too!!! I'll be back later with my budgets....
450 Day Debt Slaying Challenge:
9107.25 0 (60 days early)
New Challenge for 2014:
20,136.47 16134.65 (More than twice as much in less time )
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# 14
PurpleJay
Old 29-01-2013, 6:04 PM
MoneySaving Stalwart
 
Join Date: Nov 2009
Location: Derbyshire
Posts: 451
Default

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'
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# 15
Cranny44
Old 29-01-2013, 6:04 PM
MoneySaving Stalwart
 
Join Date: May 2008
Location: Gallifrey
Posts: 601
Default

Count me in please NSK
Updating .................................................
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# 16
poodlegal
Old 29-01-2013, 7:16 PM
MoneySaving Convert
 
Join Date: Jan 2012
Posts: 152
Default

I'm in! Will go and number crunch-
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# 17
beckyboo1980
Old 29-01-2013, 7:19 PM
MoneySaving Convert
 
Join Date: Mar 2011
Posts: 93
Default

Please add me on to your list! Up for this with bells on!!!!
Will work out budgets this week and add asap.
Beckyboo
XXX
Pay off all your debts by Xmas 2014 #45
1197.48/12,047 - 9.9%
The Janus Illusion #22
SFD - 5/20
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# 18
abundant1972
Old 29-01-2013, 7:27 PM
Serious MoneySaving Fan
 
Join Date: Jan 2012
Posts: 803
Default

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 by October 31st 2014 : Remaining Debt = 2238.15/12,500 (82% Cleared)
1 Debt vs 100 Days : 0/2250.00 by 09th October

*** As my debt diminishes - the door to financial freedom opens that bit more ***
The August Fairwell # 23 : SFD =0/12 : Food/Spends =5.60/120 : Gym =0/12 Sessions
Payment a Day : 50.00 so far
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# 19
sunnyface
Old 29-01-2013, 8:30 PM
MoneySaving Convert
 
Join Date: Dec 2010
Posts: 50
Default

Count me in, please!

Budget 300 to include everything

EBay 50

20 SFDs
Proud to be dealing with my debts Total Unsecured Debt: 46,931 now 42,010 now 39,943 now 36674

Last edited by sunnyface; 29-01-2013 at 8:33 PM.
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# 20
mayfair1985
Old 29-01-2013, 9:09 PM
MoneySaving Stalwart
 
Join Date: Apr 2010
Posts: 492
Default

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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