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  • FIRST POST
    • mothernerd
    • By mothernerd 29th Sep 16, 12:59 AM
    • 1,643Posts
    • 16,585Thanks
    mothernerd
    NST October Finding Your Inner ferret
    • #1
    • 29th Sep 16, 12:59 AM
    NST October Finding Your Inner ferret 29th Sep 16 at 12:59 AM
    NST OCTOBER; Finding your Inner Ferret
    NST Challenge: October Finding Your Inner Ferret


    Turtles are tough. Turtle rules are tough but they work. When you start your turtle journey the rules can feel overwhelming but they all help on the journey to debt freedom. The more rules you can keep the sooner you will achieve your goals – most turtles start by tackling debt but many are now saving to get on the property ladder, to achieve mortgage free status, to retire early or to live well on a small income.


    All the usual rules (see below) will remain in place this month. However if you need to adapt a particular rule to suit for health or lifestyle reasons this is acceptable. That is lifestyle as in my car is broken, I need to carry all the shopping home so buy small amounts frequently not I want to have six takeaways a week and still pay off my debts/ save money. Commit to following all the rules. If you don't manage all of them all the time we will help and support you – No Turtle gets left behind.






    Tackling debt can be a long hard slog and some turtles (including this one) have been struggling recently. Therefore the aim this month alongside savings/ reducing debt is to have some fun. This month we will be Finding Our Inner Ferret.


    Ferrets sleep for between 14 and 18 hours a day. Oh bliss. Not practical for most of us but try to get enough sleep. Make your bedroom a comfortable haven. Despite being awake for only a few hours the average ferret is active enough to maintain a sleek profile. We will aim to get outside every day. Sunshine is in short supply so get as much as you can. If you go to work and come home in the dark, can you go for at short walk at lunch.


    Planning and preparation are needed. Think ahead, budget, work out what is needed. This leaves more time for fun and if you can, do it without spending or have a low spend. This month I will be including a weekly planning and preparation target.


    Ferrets are curious. I want you all to commit to learning something new this month – it doesn't have to be degree level, try a new craft, cook something you always thought was difficult or learn something practical. Investigate new ways of making extra cash.



    Finally (random rule alert) one of the ferret's distinctive features is the Victory Dance. We will be celebrating our achievements and successes and not dwelling on 'things we have left undone'. If your to do list is worrying you, simplify it. Write down a list of what you have done. Find things to be grateful for each day (no need to write them here if you don't want to) and think about something you have achieved. Then do your Ferret Victory Dance. It's okay to do it behind closed doors.



    If any of you think you have done nothing worthy of celebration, I must tell you that my recent 'achievements' include going to my weekly counselling and craft sessions and on really bad days, getting out of bed and having a bath.
    .


    The Challenge Rules:
    • The Challenge will commence on the 1st October @ 00:00 and end on the 31st October @ 23:59.
    • Kat Essentials
    • Set your DFD (Debt Free Day)
    • You will pay towards your debt / savings FIRST and live on what’s left. Choose the amount now.
    • Set all budgets before the start of the month, think ahead for any birthdays, outings etc.
    • Random Rule for September Celebrate your achievements with a Victory dance
    • Other Rules
    • Aim for 15 SFD (Spend Free day or No Spend day)
    • Extra cash – share any ideas which work, trawl the other threads for something you haven't tried recently.
    • Learn something new (might be fun)
    • Weekly mini challenge (details in later post)
    • Food budget should be set realistically (ideally at same level as last month or lower unless you have extra mouths to feed). Base your purchases around basics range and yellow stickered items.
    • You will NOT use any of the following; restaurants, cafes, work canteens, vending machines, takeaways ( yes really), Starbucks, Costa, Nero or any other chain cafe!
    • Lunch to work everyday and plan for appointments and days out (last chance for picnics and bbqs).
    • Travel budget – petrol or public transport for work, leisure, hospital appointments. Can you walk/cycle? Can you combine journeys – shopping/ work/ gym?
    • Any other regular budgets – children's activities etc.
    • Healthy eating – up your fruit and veg. If you are already getting your 5 a day (if not why not?) go for 7. Will make you feel better (especially if free or ys) and may help ward off all those annoying bugs which come with the changing seasons.
    • Make a food bank donation (3 items or £3) or alternative charity if preferred
    • Exercise 5 times a week, newbies and poorlies start with 10 minutes a day, get outdoors wherever possible.
    • Regular check ins – daily if possible.
    So who's up for it.
    Building a rainbow of happiness and joy. 2016 Be Healthy, Be Happy, Have more fun.NST Nov#12 SFD 1/20 Budget Food£12.56/£80 (stretch £60) Transport £0/£20.Ext £0/ £10 Clutter free 1877/5050. 3-6 Month EF completed 28/01/16 Weight loss 11lb
    Mortgage Free since5.1 1982 Debt Free 11/015/2016
Page 17
    • XSpender
    • By XSpender 19th Oct 16, 9:18 AM
    • 2,317 Posts
    • 24,272 Thanks
    XSpender
    Thinking of you Toni's friend.

    Ran a very fast (for me) and hilly 30 minutes outside last night. Felt really fit and can only put it down to the 2 PT sessions that we are having every week. I also managed 10 press ups.

    We got weighed at our session on Monday and have both lost weight but look much thinner than the scales say, if that makes sense. I am back in the size 8 jeans I haven't worn since last Christmas when I was about 4lb lighter than I am now. I am only small so 4lb is quite a bit on me.

    Yesterday was a NSD which puts me on 3 I think.

    Monday I donated some food to the harvest festival food collection at DS school.

    DH has received a tax rebate of £500 Unfortunately he wants to spend it on some new clothes for both of us. He does need some new jeans and I could do with a couple of lighter tops for the winter but not 500 quids worth! I would rather put a chunk in savings or pay for some of the kitchen work which has gone on the 0% card.
    OCT GC £533.49/£500 Nov £187.24/£360 (52%)

    MFiT #36 Goal £30,000
    2016 mfw #13 £20,000 58.6%
    Save £12k in 2016 #89 Target £5000 41.7%
    • Siebrie
    • By Siebrie 19th Oct 16, 9:50 AM
    • 615 Posts
    • 10,195 Thanks
    Siebrie
    Extra cash: I finally got round to comparing car insurance, and have asked for a quote from an insurance company that advertises to people who drive less than 20,000k per year. Over the phone the lady told me it would be €482 for the year, where we currently pay €850! The only problem is that I have missed the three(!)month notice period, so now I can only switch if my current insurer puts their prices up.
    Wombling Free 2016 #2 € 3.110,70 = £ 2,743.95 (it fluctuates with the exchange rate; I won't update it if it's going down ).
    • SpekySquarehead
    • By SpekySquarehead 19th Oct 16, 10:31 AM
    • 915 Posts
    • 7,121 Thanks
    SpekySquarehead
    Gooooood morning Turtles,

    Failed in my NSD yesterday in which I didn't have time to myself which mean I didn't prep lunch for today which means today will not be a NSD. Damn it!
    Debt Free Date: 29/09/16
    Savings Target by June '17 = £1,350/£4,000
    NSD (18/20)
    • dolly84
    • By dolly84 19th Oct 16, 10:33 AM
    • 2,960 Posts
    • 27,506 Thanks
    dolly84
    Hugs to you Tonisfriend.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • thriftylass
    • By thriftylass 19th Oct 16, 10:53 AM
    • 2,724 Posts
    • 22,078 Thanks
    thriftylass
    Thinking of you and your family Toni's friend

    Today will be an SFD. Luckily I didn't bring my wallet to work as I already finished all my snacks and fruit and only got lunch left so I can't buy rubbish. Gym session again and we'll see what the rest of the day brings
    NST NOvember no.1
    SFD 0/12 spend GC 34/580 OTHER 9/50 Exercise 0/10
    Debt - all 0% 2069 to go from 5290 (60% paid off)
    DFD 04/2017
    • Bobarella
    • By Bobarella 19th Oct 16, 4:24 PM
    • 7,953 Posts
    • 51,077 Thanks
    Bobarella
    Xspender can you make a list of all the clothes you need between you and then research where to buy them most cheaply? Sugarbaby on the wombling thread is an amazing ebayer. She finds all the stuff she needs for cheap. So many people sell brand new clothes these days.
    £800 to pay =70% repaid
    RR 2016 #2 December £0.11 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,217 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • x_raphael_xx
    • By x_raphael_xx 19th Oct 16, 4:41 PM
    • 3,123 Posts
    • 14,425 Thanks
    x_raphael_xx
    Update time, not had a chance the last couple of days, been working, getting home & having tea then rushing out to catch up with friends.


    NSDs -No. 15 reached today, but I want to get to 20 this month!

    Extra cashManaged to hit my daily goals with the surveys between dinner and seeing friends. I have also received my ebay fee invoice, which unfortunately was more than what I earned and leaves me -3p! At least the surveys are going well.

    Learn - Awaiting the pumpkin, I have been looking at some designs thou
    Food budget -So far I have still only spent £0.39 of my budget, but we will need a butcher run soon.

    No cafes/Takeaways3 so far this month (one planned, two not) no more this month!!

    Lunch to work - Successful everyday so far.

    Travel budget£29.38 spent on petrol this month, I don't expect to have to refuel again til next month.

    Healthy eating Hit and miss, I say 75% success

    Exercise - Few races completed. Going to sit down with BF and plan a work out routine for the coming weeks. It gets awkward with my night shifts.
    Debt Free as of 17/01/2009 Turtle Power!!
    Nov Grocery Challenge £42.17/£54 Nov NSD's 05/22
    EF Challenger #36
    £8058.40/£10,000 Lose weight +2.8/10lbs
    • Bobarella
    • By Bobarella 19th Oct 16, 6:51 PM
    • 7,953 Posts
    • 51,077 Thanks
    Bobarella
    Hummm looks like spam for tea tonight.....is anyone else enjoying theirs?
    £800 to pay =70% repaid
    RR 2016 #2 December £0.11 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,217 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Planning ahead
    • By Planning ahead 19th Oct 16, 6:54 PM
    • 39 Posts
    • 173 Thanks
    Planning ahead
    Aim for 15 NSD- 7/15
    Extra cash – make sure all overtime is paid on time YES, use lidl and tesco vouchers £5 Lidl voucher to use next week YES saved tesco vouchers
    Learn something new want to some slow cooker meals I can freeze in batches and homemade soups.- have done two lots of batch cooking last night 4 x curry 4 x chilli and 4 spicy chichen plus veg and potatoes
    Food budget - Try shopping at newly opened lidl for a month - Only one trip to tesco
    Lunch to work everyday 21/17
    Healthy eating – Up your fruit and veg and reduce sugar intake had my flu jab and having a banana every day 31/3
    Donation - Animal sanctuary
    Exercise - 5 times a week -walk the dog 20/4
    Dare I add alcohol free days (easy to say when it's September)



    Debt free date October 2017 for CC/loans and May 2023 for my mortgage
    :£120,000 / £28,000 Mortgage free date May 2023
    :£120,000 / £28,000 Mortgage free date planned May 2023 Actual mortgage free date June 2030
    Debt free date October 2017 for CC/loans Earliest retirement date May 2023
    • greent
    • By greent 19th Oct 16, 8:00 PM
    • 5,184 Posts
    • 52,220 Thanks
    greent
    quick update:

    NSDs - still not really achieving any. Lots of little spends here and there, not helped by OH's bday and DD home from uni for the weekend. As it's also half term coming up I'm not expecting any more!

    Extra cash - fleabay has been going really well and also sold a load of stuff at NNS last weekend, so this part of the challenge has been good! Also done a couple of pinec0ne surveys L)

    Learn - have been to Zumba twice. Going again tomorrow. Sweatily enjoyable

    Food budget - have a pile of receipts to add to my totals. Have used tesc0 £5 and £7 off vouchers. Have a l1dl voucher which I may try next week.

    Healthy eating - hit and miss over the last week - reflected in weight gain this week.

    No cafes/ takeaways - did both last week - oops

    Exercise - Zumba-ing and some walking. COuld do better.

    x
    Repaid mortgage early (originally 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
    Now repaying BTL Mtge. Opening Bal £69786. Current Bal £68286
    Net sales in 2016 £759.24/£500
    Nov grocery spends £337.64/ £332.50 Exercise 12 NSDs Wk 1 4 Wk 2 3 Wk 3 3 Wk 4 3 Wk 5 1
    • misstara
    • By misstara 19th Oct 16, 8:40 PM
    • 1,892 Posts
    • 12,491 Thanks
    misstara
    Not managed to post in a while, now up to 9 NSDs (I think, need to check). Seem to have to spent a lot of money recently but all budgeted for
    Debt at LBM Jan 2014 £10458.09 Now £492.77 (95.3% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 1/12. Groceries target £4.05/£135. NSD target 0/15.
    • mothernerd
    • By mothernerd 19th Oct 16, 9:34 PM
    • 1,643 Posts
    • 16,585 Thanks
    mothernerd
    Not very 'with it' atm. Went to counselling and crafts, came home, ate and had pills and slept. Just been woken up by DS2 coming to borrow money and not planning to be awake much longer.

    I have done quite well as I thought I would be coming home early from crafts but stayed for the whole session and walked there and back - save a place for me in that Zumba class, another week or two and you won't know me.
    n
    Today I am grateful for glorious weather (after the downpours of recent days) for seeing a ladybird and for excellent company - I wasn't feeling 'sociable' (well sat away from the others as several of them cannot take antibiotics and didn't want to pass on lurgy) but it's pleasant to sit with other people and just have back and forth conversation with no pressure. We finished the tooth fairy house one of the participants was making - fixed the problem of making the roof curve inwards last week and made a 'proto' chimney. It had to be 'fitted' today as final size was slightly different once the roof pieces were glued in place.
    Building a rainbow of happiness and joy. 2016 Be Healthy, Be Happy, Have more fun.NST Nov#12 SFD 1/20 Budget Food£12.56/£80 (stretch £60) Transport £0/£20.Ext £0/ £10 Clutter free 1877/5050. 3-6 Month EF completed 28/01/16 Weight loss 11lb
    Mortgage Free since5.1 1982 Debt Free 11/015/2016
    • thriftylass
    • By thriftylass 19th Oct 16, 10:04 PM
    • 2,724 Posts
    • 22,078 Thanks
    thriftylass
    Good evening!
    Car has been at a service today and now it does weird things. Well, back it goes tomorrow .
    Also holiday club told DH tonight we underpaid by 40 quid. I'm 100% sure i gave them 100 for this week in cash on Tuesday morning. Will have a chat tomorrow morning. Glad i keep good track of my spending, so there is no doubt from my side.

    5 nights of bad sleep so off soon to hopefully get a better one.
    NST NOvember no.1
    SFD 0/12 spend GC 34/580 OTHER 9/50 Exercise 0/10
    Debt - all 0% 2069 to go from 5290 (60% paid off)
    DFD 04/2017
    • Fmess
    • By Fmess 20th Oct 16, 2:40 AM
    • 2,304 Posts
    • 21,439 Thanks
    Fmess
    Hi all,

    Thought I'd post as I'm wide awake due to stresses at work and haven't had time to post much this week, so thought I'd try and be productive.

    Two more SFDs for me but spent yesterday on loads of treats as was feeling mentally exhausted. I was proud of myself as I misread an offer and thought I was getting a product 2 for £3. At the till the offer didn't come up so I went and checked and it was 3 for the price of two, so I asked the shop assistant for my free third product I wouldn't have dared speak up before

    Not much else happening. Just one more day at work and then a week off. Thank goodness!
    LBM = 07/09/13 Debt = £13339 £922.99 (93.1% cleared) DFD = Jan 2017

    Oct NST #3 SFD 15/15 Food 99.75/100 Personal 180.79/190 Petrol 43.03/65

    POAYDI2016 #08 £5106.01/£6029 84.7%

    • apple muncher
    • By apple muncher 20th Oct 16, 7:55 AM
    • 5,291 Posts
    • 38,550 Thanks
    apple muncher
    Fmess - not good being up at that time! Hope you did get some rest and manage to cope with work. Hope the stresses decrease too and you can enjoy the break.
    NST Dec #15; NSD 1; 2016 Pay off: £3201/£3980 (80.4%)
    2016 sell 386.75/1000

    Mortgage £33,979 (01/14: £78,201; 01/15: £59,629; 01/16 39,915) MFWDate Dec 2018
    • SpekySquarehead
    • By SpekySquarehead 20th Oct 16, 8:47 AM
    • 915 Posts
    • 7,121 Thanks
    SpekySquarehead
    Fmess - Enjoy your week off.

    My only spend yesterday was that damn £2 lunch spend, and guess what...it'll be the same today too.

    I've just been so busy in the evenings I've not had the time. Need to change all that.
    Debt Free Date: 29/09/16
    Savings Target by June '17 = £1,350/£4,000
    NSD (18/20)
    • thriftylass
    • By thriftylass 20th Oct 16, 11:56 AM
    • 2,724 Posts
    • 22,078 Thanks
    thriftylass
    Hello,

    today wasn't an SFD as I popped into Lidl to get milk and bread.

    Rediscovered my Nectar account (with £5.75 in it) after being invited to join e-rewards (a survey thingy that lets you earn nectar points). So I added that to my xmas money making survey sites. Hopefully get about £50 across them.

    Gym at lunch time again. And finally healthy lunch of salad etc in work.

    Told DS's holiday club that I am 100% certain that I paid the full amount and why (and didn't mention that they should've counted straight away, I have the receipt etc.) and they said ok. So I guess that's that.

    Not heard from the car yet.
    Last edited by thriftylass; 20-10-2016 at 12:01 PM.
    NST NOvember no.1
    SFD 0/12 spend GC 34/580 OTHER 9/50 Exercise 0/10
    Debt - all 0% 2069 to go from 5290 (60% paid off)
    DFD 04/2017
    • Fmess
    • By Fmess 20th Oct 16, 9:36 PM
    • 2,304 Posts
    • 21,439 Thanks
    Fmess
    Evening all,

    Thank you did the support apple and speky.

    I made it through the day, although there were a few tears but lovely friends gave me hugs and we ate cake to get us through. I'm so relieved to be off now for 10 days but have a mountain of work to do and the stressful situation will continue on due a few more weeks.

    SFD again today Tomorrow won't be as I booked a last minute massage as a treat to myself and need petrol and butter.

    Hope you're all ok?
    LBM = 07/09/13 Debt = £13339 £922.99 (93.1% cleared) DFD = Jan 2017

    Oct NST #3 SFD 15/15 Food 99.75/100 Personal 180.79/190 Petrol 43.03/65

    POAYDI2016 #08 £5106.01/£6029 84.7%

    • mothernerd
    • By mothernerd 20th Oct 16, 9:37 PM
    • 1,643 Posts
    • 16,585 Thanks
    mothernerd
    Quick check in as all is not well with the laptop (operating system).

    Have been to my local hstory session, picked something I had orddered from the archives, gathered extra library books. Needed a taxi there but walked home and have been resting since. Sent word to mum that I may not visit (usually tells me not to go if I am ill).

    Today I am grateful for rock from Blackpool, hot soup and sweets for my sore throat (at the swallowing razor blades stage). Will try to find some inspirational qoutes for next week to give us all a lift.
    Building a rainbow of happiness and joy. 2016 Be Healthy, Be Happy, Have more fun.NST Nov#12 SFD 1/20 Budget Food£12.56/£80 (stretch £60) Transport £0/£20.Ext £0/ £10 Clutter free 1877/5050. 3-6 Month EF completed 28/01/16 Weight loss 11lb
    Mortgage Free since5.1 1982 Debt Free 11/015/2016
    • Fmess
    • By Fmess 21st Oct 16, 7:01 AM
    • 2,304 Posts
    • 21,439 Thanks
    Fmess
    Hope you feel better soon mothernerd
    LBM = 07/09/13 Debt = £13339 £922.99 (93.1% cleared) DFD = Jan 2017

    Oct NST #3 SFD 15/15 Food 99.75/100 Personal 180.79/190 Petrol 43.03/65

    POAYDI2016 #08 £5106.01/£6029 84.7%

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