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  • FIRST POST
    • Eager_Elephant
    • By Eager_Elephant 28th Mar 17, 9:03 PM
    • 4,081Posts
    • 21,904Thanks
    Eager_Elephant
    NST - Amazing Aperire
    • #1
    • 28th Mar 17, 9:03 PM
    NST - Amazing Aperire 28th Mar 17 at 9:03 PM
    Welcome to April’s NST challenge – it is believed that the word April comes from the Latin word Aperire which means to open.

    Spring officially started on 20th March so in April we are really at the start of Spring and this month I want to celebrate all things Spring.

    Also in April we have Daffodil Sunday on Sunday 2nd April and Primrose Day on Wednesday 19th April.

    April is also the month the Cuckoo and Swallow return – who will be the first to hear or see one?

    23rd April is St Georges Day – St George was a Roman soldier who protested about the Roman torture of Christians – as a result he was killed for his beliefs.
    I think sometimes those of us who follow the MSE way and especially the Ninja Saving Turtles challenge can be seen as odd and different to the norm – I want us all to stand tall and proud of what and who we are. We should continue to live how we want to no matter what others say.

    Thanks to all Turtles for joining the thread this month.

    Rules:


    Aim – for at least 16 NSD’s (unless you want to set your own).

    Plan – it’s a new financial year, everyone needs to write a new budget taking into account increases in bills. Do you plan ahead for annual and non-regular spends? If you don’t then now is the time to think about these outgoings and plan for them each month.
    Once you have your new budget make sure your debts are paid on 1st of the month to remove the temptation to spend on other things.

    Rest – make some time for yourself this month to just rest and recuperate. We all rush around but this month we are going to slow down and savour the moment. Now the nights are lighter could you sit outside with a drink or even start eating outside?

    Invite – I would like everyone to arrange to meet up with family/friends this month. Can you arrange to meet up with someone you have been meaning to? Some of us will have a long bank holiday weekend for Easter – this might be an ideal time to visit relatives far and near.

    Love – I want everyone to love their garden this month. Back in September when I did the challenge everyone had the task of putting the garden to bed for winter – well now we are going to get the garden out of bed!!
    Can the garden furniture now come out of the shed?
    Can you start planting seeds ready to grow your own fruit and veg? If you are not green fingered start looking out for smaller plants which just need planting out.
    Or what about buying some flowers to plant? It’s too late to plant daffodils for this year but you can always buy them and plant them ready for next year. Or primroses are for sale in the shops at the moment and are sure to brighten up any garden.
    The birds will need feeding – can you fill the bird feeder? Could you buy some fat balls or in the MSE way make your own?

    The challenge will run from 1st April 00:01 until 30th April 00:00.

    Please post as much as possible to let us know your progress.
    Ninja Saving Turtle No. 20 for August
    NSD - 0/18
    (up to 01/09/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
Page 14
    • mothernerd
    • By mothernerd 18th Apr 17, 9:27 PM
    • 2,029 Posts
    • 20,587 Thanks
    mothernerd
    Spend day for me.

    Lots of sewing done but not mum's curtains. Just found a 'lost' needle - I only moved it 18 inches.

    Today I am grateful for good drying weather, for switching back to crispbread to avoid buying bread and for getting lots of things into the bin, including the latest pizza box mountain (however it is 2 fer Tuesday so there may be more downstairs now).
    Last edited by mothernerd; 18-04-2017 at 9:35 PM.
    Building a rainbow of happiness and joy
    NST Sep #14 SFD 11/18 Spent £53.84/ £60
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
    • Jo Blogs
    • By Jo Blogs 19th Apr 17, 1:06 AM
    • 751 Posts
    • 2,593 Thanks
    Jo Blogs
    Good morning everyone

    Great going with all the NSDs

    Today will be NSD No. 17 for me. I passed my monthly goal of 15, and seem to be more than happy to carry on

    Wishing you all a peaceful, blessed, and inspirational NSDay
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44 for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 Sept NSDs 4/15CCCChl 9/12 months
    Sept PPChl#002 Pts 71
    • misstara
    • By misstara 19th Apr 17, 6:32 AM
    • 2,358 Posts
    • 16,340 Thanks
    misstara
    Yesterday was NSD 10/16 . Today definitely won't be, we're going shopping after work to get things for the garden.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1525.60 (33.7% paid)
    Mini Targets
    Exercise target - Run 5/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • crazy_cat_lady
    • By crazy_cat_lady 19th Apr 17, 8:57 AM
    • 3,330 Posts
    • 28,597 Thanks
    crazy_cat_lady
    Morning all
    Looking forward today as I'm off to visit one of my best friends It won't be a nsd but it will be worth the spending. I'm pleased to be on 8 nsd's as we've been away. Things will be tight for the rest of the month so I will have an enforced increase in nsd's.
    Finally got some schoolwork done so slept better last night. Still plenty to be getting on with though
    Other than that, life is just ticking along quietly and nicely as I like it.
    Apple - need to know about your knitted bees
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • thriftylass
    • By thriftylass 19th Apr 17, 9:46 AM
    • 2,994 Posts
    • 24,473 Thanks
    thriftylass
    No need to apologise.
    Before you went away you mentioned having a chat with DH as you had just found out how much he earned - is this connected in any way to you having to lend him money?
    Does he earn more or less than you think?
    Why do you have to lend him money when he has run out - can you not just let him suffer?
    Originally posted by Eager_Elephant
    Well it's either that or put petrol in the car myself . BTW he earns more than me. It hasn't happened in the last two months as things have changed, however we have DH brother's wedding coming up and he paid for the wedding present out of his wages (£250 towards a camper hire for their honey moon) rather than take it out of the savings (sorry should've explained), which are gone again anyway due to the washing machine.

    However, a positive thing. Another family debt will be paid of next month and then only £1300 to go on one more debt .

    Today will be another SFD, lunch to work (DH has been really good with that lately) and gym.

    Oh and not sure if I mentioned it before, but our mortgage appeared in my banking app now (comes out of DH wages but is with my bank), so hopefully from autumn I'll be over paying that too.

    Onwards and upwards in baby step
    Last edited by thriftylass; 19-04-2017 at 10:18 AM.
    NST Sept 1
    SFD14/18 spends 5xx/400
    Exercise 14/20 Amazon vouchers for xmas £0
    Debt - all 0% 1436 to go from 5290 (72% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • Toni'sfriend
    • By Toni'sfriend 19th Apr 17, 10:40 AM
    • 817 Posts
    • 7,296 Thanks
    Toni'sfriend
    Well, I thought I'd done all the washing until I entered "The Bedroom". Two loads plus bedding later and it's finally done. All washed, dried outside and just ironed now and put away. Did spend but on items for son's lunches and dinners for next couple of weeks. Made an appointment with a local hairdresser for next Tuesday (discount day) so I'll see how that goes. Got to be better than it is just now.
    On my own today so off out for a walk just now and then some serious cleaning
    Enjoy your day,
    • abundant1972
    • By abundant1972 19th Apr 17, 10:43 AM
    • 1,177 Posts
    • 8,597 Thanks
    abundant1972
    Morning everyone!

    Today I am grateful for:
    • Sunshine!!!
    • A day off to get myself out and about
    • Lovely birdsong outside
    Yesterday = NSD number 8
    Today = NSD number 9

    f0xh0les - Thanks for your kind comments! I think the lottery is probably a way of life for a lot of people. The whole 'you have to be in it to win it' was a great slogan to keep people hoping!!!

    I'll be going to the gym in a bit and for a walk - but my wallet is staying firmly at home. Car booked in for next week, and balancing budget and clearing stuff today.
    Have an awesome day folks!!!
    Repay Car : Phase 2 : £0/£500 by 13/09
    Follow your heart & be true to yourself always
    Help To Buy ISA = £4683.65. EF = £1250/£4500
    NST Sept : NSD=1/16 : Food £25/£100 : Spends £25/£100
    365 Day 1p Challenge = £556.80/£667.95. £1.00 a Day = £273.00/£365.00
    Spiritual Practice =0/31. Exercise Sessions 1/14. Cash Bonus = £26/£150 + £267/£399
    • greent
    • By greent 19th Apr 17, 7:58 PM
    • 6,207 Posts
    • 62,852 Thanks
    greent
    Urgh - the lottery! - can't persuade my OH to stop doing it - spends c. £250 p.a. on it + the small winnings (which is the only sort he's ever had) are ploughed back in. I'd rather he stopped, but he wont have any of it

    NSD today - nipped out to PO to post a survey item (no cost) and into Tesc0 to return some boxers bought for DS3 (he doesn't like the design). Other than that haven't done much - woke up feeling washed out, so have just done things like washing, ironing. Made a loaf of bread and some reasonably healthy muffins, spent half an hour with DS2 tidying his room (more visible progress - yeay!), made some laundry gloop and priced up some more things for NNS. And that's about it! Must try and be more productive tomorrow - the week is just flying by. Ooh - did sow some sunflower seeds and a tray of lettuce seeds too - and prune a huge rosemary bush back as it's green garden bin day tomorrow

    Today I am grateful for:
    * a lazy day
    * time spent watching the birds in the garden with DD
    * DS2 still being in good humour about tidying his room - and actually getting rid of some things
    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) £4151/£3286
    Net sales 2017 £1152.39/£500 PAYDOX17 £11333/£10k Decluttered 1515/2017 items
    • apple muncher
    • By apple muncher 19th Apr 17, 8:29 PM
    • 6,322 Posts
    • 45,975 Thanks
    apple muncher
    I had to forego picking up a shiny penny today - I was cycling uphill on a rather busy road and just couldn't stop. Boo!

    Anyhow, today I am grateful for my legs getting me to and from work (c. 12 miles and not flat), for a lovely hot bath when I arrived home, for a sunny day, for catching up with some friends, for tea from the freezer, for fresh bedding, for dd passing her recent maths test and moving up a level to silver, for having time to whizz up some cakes for dd, for a pretty notebook being a pleasure to use, for the home saying that theybwould be keeping mum there - mega phew.
    NST Sept scrimper #2; NSD 15; Ex 14; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 116

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • greent
    • By greent 19th Apr 17, 8:42 PM
    • 6,207 Posts
    • 62,852 Thanks
    greent
    , for the home saying that theybwould be keeping mum there - mega phew.
    Originally posted by apple muncher
    Glad to hear that xx
    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) £4151/£3286
    Net sales 2017 £1152.39/£500 PAYDOX17 £11333/£10k Decluttered 1515/2017 items
    • SkintTeacher
    • By SkintTeacher 19th Apr 17, 9:25 PM
    • 323 Posts
    • 1,872 Thanks
    SkintTeacher
    No more NSDs yet but I'll catch more once I'm back at work.

    Been keeping up the exercise which does mean less time on here but I've enjoyed reading all your posts.

    I hope everyone can enjoy the spring sunshine and not beat themselves up too much about dips.

    Speak soon! Skinty x
    • f0xh0les
    • By f0xh0les 19th Apr 17, 9:40 PM
    • 934 Posts
    • 6,688 Thanks
    f0xh0les
    Another NSD for me today, so up to 13.
    The kids refused to leave the house after me 'dragging them around Ireland' - meaning no computers for ten days - and now they just want to chill, so I let them (bad me!) and got on with the laundry and painting skirting boards in the yard while they were all occupied. They are back at school on Monday, so as long as they tidy their rooms and bring down their laundry, and I can hoover without fear of loss of life or limb, then they have the next few days to chill. But they all have Easter money from the elderly relatives so I wonder when the request for a trip to town will come. Probably as soon as DH goes away for the weekend with his friends.
    MFW May 16 £118,340
    September 17 - £109,896.73
    • Jo Blogs
    • By Jo Blogs 20th Apr 17, 1:43 AM
    • 751 Posts
    • 2,593 Thanks
    Jo Blogs
    Good morning everyone

    Great posts as always and great going with all the NSDs

    Today will be NSD No.18 for me today

    Wishing you all a super AADay!
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44 for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 Sept NSDs 4/15CCCChl 9/12 months
    Sept PPChl#002 Pts 71
    • Bobarella
    • By Bobarella 20th Apr 17, 8:57 AM
    • 10,473 Posts
    • 69,438 Thanks
    Bobarella
    Morning Turtles

    Just popping in to say hello, have not been spending time on the forum this month. Have had to put all my time into looking for leads for my business, it's scary how much time you can spend on here! The whole gazelle focus did help but currently going through a slump in terms of actually booking work in the past week, although enquiries are strong. So I'm skint at the moment.

    But wanted to say hi and will attempt to read up on this month's challenge soon.

    Bob
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • Bobarella
    • By Bobarella 20th Apr 17, 8:59 AM
    • 10,473 Posts
    • 69,438 Thanks
    Bobarella
    I had to forego picking up a shiny penny today - I was cycling uphill on a rather busy road and just couldn't stop. Boo!

    Anyhow, today I am grateful for my legs getting me to and from work (c. 12 miles and not flat), for a lovely hot bath when I arrived home, for a sunny day, for catching up with some friends, for tea from the freezer, for fresh bedding, for dd passing her recent maths test and moving up a level to silver, for having time to whizz up some cakes for dd, for a pretty notebook being a pleasure to use, for the home saying that theybwould be keeping mum there - mega phew.
    Originally posted by apple muncher
    That happens to me all the time. Or when I'm pushing the pram and feel I'd look a complete nutter flipping the brake on to nab a penny
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • thriftylass
    • By thriftylass 20th Apr 17, 9:33 AM
    • 2,994 Posts
    • 24,473 Thanks
    thriftylass
    Good morning,

    the cherry blossoms and flowers are out but today was the first time it felt and smelt like spring, love it.

    My washing machine arrived this morning (luckily before work, so I can still have a lunch time swim as I wasn't in late) and I'm strangely excited to try it out tonight.

    Also the replacement lock for my grandfather's cabinet arrived, so will fix that tonight. If you have any spare cabinet locks lying about (antique, working or not) you can make a fortune on ebay.

    Another NSD today and healthy lunch. Put together an ASDA pick up order to match the money left in my account and to avoid temptations going into the shop on a Friday night. This shop should last at least till pay day.

    All my seeds have taken now and I'll pot some of them up this weekend but the ones that go out will wait till next week. My potatoes are finally emerging too. They were earlies but I put them in the ground way to early and I thought the froze to death.

    Have a nice day
    Last edited by thriftylass; 20-04-2017 at 9:47 AM.
    NST Sept 1
    SFD14/18 spends 5xx/400
    Exercise 14/20 Amazon vouchers for xmas £0
    Debt - all 0% 1436 to go from 5290 (72% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • Toni'sfriend
    • By Toni'sfriend 20th Apr 17, 9:41 AM
    • 817 Posts
    • 7,296 Thanks
    Toni'sfriend
    Glad that things are working our for you with your Mum, Apple
    Hope things pick up at work, Bob, and it's just a temporary slump.
    Didn't do as much cleaning in the house as I had intended yesterday but spent a lot of time on myself. Had a lovely long bath and pampered myself with all the lotions and potions, Had a look at my wardrobe and decided that I really need to buy some clothes. Nothing expensive, just some tops to brighten things up. Haven't had anything new for ages (really a long, long time) so this is part of my mission to rebuild my confidence. Feel a bit guilty what with spending money getting my hair done next week but I think it will be worth it and I don't really spend anything on myself usually.
    Looking a bit dull here so think I'll get the walk in before the rain comes.
    Have a lovely day.
    • thriftylass
    • By thriftylass 20th Apr 17, 11:12 AM
    • 2,994 Posts
    • 24,473 Thanks
    thriftylass
    Saw this program yesterday on how to live mortgage free with Sarah Beeney. DH watched bits of it too and was impressed how one couple paid off their 200k London mortgage in 8 years while having young kids. Not sure how they did it on a salary less then ours (unless they didn't have childcare). Obviously they lived an a lot more restricted life than us. Nevertheless it motivated me to start overpaying the mortgage while still being able to pay back other debt and save. I'll start with £50 a month in May. Even just that could save us a year and 4 months and 2k in interest over the term of 16 years. Hopefully I can up that to 100 or 200 next year (will double check overpayment restrictions).
    Last edited by thriftylass; 20-04-2017 at 11:21 AM.
    NST Sept 1
    SFD14/18 spends 5xx/400
    Exercise 14/20 Amazon vouchers for xmas £0
    Debt - all 0% 1436 to go from 5290 (72% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • greent
    • By greent 20th Apr 17, 12:57 PM
    • 6,207 Posts
    • 62,852 Thanks
    greent
    Saw this program yesterday on how to live mortgage free with Sarah Beeney. DH watched bits of it too and was impressed how one couple paid off their 200k London mortgage in 8 years while having young kids. Not sure how they did it on a salary less then ours (unless they didn't have childcare). Obviously they lived an a lot more restricted life than us. Nevertheless it motivated me to start overpaying the mortgage while still being able to pay back other debt and save. I'll start with £50 a month in May. Even just that could save us a year and 4 months and 2k in interest over the term of 16 years. Hopefully I can up that to 100 or 200 next year (will double check overpayment restrictions).
    Originally posted by thriftylass
    We didn't live a totally restricted life, but obviously did cut back when paying ours off. We had an OP built into our DD, so it went out the day after payday and we then didn't miss it (even when OH was out of work we OP'd a tiny bit - I rounded the mtge figure up from 594.71 to £600 - so our OP was only £5.29, but it helped psychologically to know that we were still paying *something*. I also threw all 'extra' money into the the as OPs - so any money from cashback, eb@y, nearly new sales, surveys etc all went in - again, I rounded them up (so £8.22 cashback became an OP of £10, for example) Mycurrent account also tidies money over into savings from debit card transactions - if a debit card transaction is £2.92 it tidies 8p etc. At the end of the month all of these pennies came to usually just under £10 - so I'd round that up and pay £10 off All of those little bits really do add up over the course of a year

    We're now paying off the BTL mtge - stupidly taken out on IO and then ignored for 3/4 of the term... We're doing it at a slower rate, though. Our finances took another hit when OH didn't have a contract for 11.5months, but once we've recovered we will plough some more in there too. Not 100% convinced we'll pay it off in full by the end of the term, but if we don't give it a try we certainly won't
    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) £4151/£3286
    Net sales 2017 £1152.39/£500 PAYDOX17 £11333/£10k Decluttered 1515/2017 items
    • thriftylass
    • By thriftylass 20th Apr 17, 1:15 PM
    • 2,994 Posts
    • 24,473 Thanks
    thriftylass
    We didn't live a totally restricted life, but obviously did cut back when paying ours off.
    Originally posted by greent
    That sounds sensible. I think the family on the telly "only" earned £55k a year (before tax, so maybe 40k after?) but paid of over £2k a month or £25k a year (probably more with interest). Only leaving them with maybe 1300 a month for 4 for everything else from childcare, insurance, electricity, transport, food, school clothes etc etc. (which might work if you don't have to pay back other debt or save for anything I guess).
    They even weight out the rice they cooked etc. (not that I'm wasting mine but sounded like food rationing) Not sure how they kept that up for 8 years with two kids and in London. Sheer determination and being on the same page I guess.

    So, yes it's mind set and cutting back here and there and being aware of every spare penny that could go towards it. But I think my husband would leave me if I suggested we now cycle everywhere, don't drink at all and he has to buy his clothes in Tesco (which I quite happily do). Although, I'm sure he's open to certain changes. We also couldn't stop visiting my parents in Germany once a year etc. etc. etc. But it gave me another we nudge/motivation/food for thought....
    Last edited by thriftylass; 20-04-2017 at 1:41 PM.
    NST Sept 1
    SFD14/18 spends 5xx/400
    Exercise 14/20 Amazon vouchers for xmas £0
    Debt - all 0% 1436 to go from 5290 (72% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
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