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  • FIRST POST
    • Eager_Elephant
    • By Eager_Elephant 28th Mar 17, 9:03 PM
    • 3,930Posts
    • 20,612Thanks
    Eager_Elephant
    NST - Amazing Aperire
    • #1
    • 28th Mar 17, 9:03 PM
    NST - Amazing Aperire 28th Mar 17 at 9:03 PM
    Welcome to Aprils 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 NSDs (unless you want to set your own).

    Plan its 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 dont 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? Its 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. 6 for June
    NSD - 3/15
    (up to 6/6/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
Page 15
    • Bobarella
    • By Bobarella 20th Apr 17, 6:45 PM
    • 10,623 Posts
    • 68,535 Thanks
    Bobarella
    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.
    Originally posted by Toni'sfriend
    I understand that sentiment only too well. My wardrobe is dire. I always find something else that needs spending on first. This month DS has had 40 spent on shoes as he needed two pairs. Had to top up my accountants bill from our funds too to the tune of 95. Plus keeping on top of the food bill whilst DS has been off. It's been an expensive month. Trouble is once you let your wardrobe go so far it costs so much to actually restart it. I live in running tights and jersey tops and the same pair of trainers day in day out. I will one day spoil myself again. I hope you let the guilt go too.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 54.82 2016-62.28 2015- 84.20)
    RYSAW17 1855 2016 2,535.16 2015 1027.20
    • apple muncher
    • By apple muncher 20th Apr 17, 7:20 PM
    • 5,967 Posts
    • 43,539 Thanks
    apple muncher
    I deliberately came home today via the same route where the shiny penny glinted at me so tantalisingly yesterday. But on foot. Whether the weather was too dull, or I started too far up the hill, or someone else had got there first (gasp), I didn't find it. However, I did bump into an ex-pupil and had a lovely chat.

    Today I am grateful for being recognised by an ex-pupil who had changed so much I didn't recognise them, for a good day at work, for arranging a playdate for dd, for dh cooking dinner, for my snuggly jamas, for my tooth still staying stuck in, for knowing mum is safe and well looked after, for seeing a rose bush in full bloom, for my comfy walking shoes.
    NST June #1; NSD 16; Ex 15; craft 89; remove 473
    2017 MFW#63 Pay off: 2189/4000; 2
    017 sell 110

    Mortgage 24,881 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • mothernerd
    • By mothernerd 20th Apr 17, 8:50 PM
    • 1,904 Posts
    • 19,308 Thanks
    mothernerd
    Spent a lot of money today, busted the budget. Yesterday I did not go to crafts, cancelled a couple of things for today and moved next monday's appointment back a couple of weeks. Today I have done an online shop + extra things (stocked up on toilet rolls - bulky and tins - heavy and things like bin bags) from my ongoing list with additions from Beloved (she wants to make DS3 a big chocolate cake for his birthday.

    I haven't gone into hibernation, I know the socialising is good for me but recognise that on days I go out of the house, very little gets done in the house and the cumulative weight of all the 'things not done' is stressing me out. Sleeping at the weekend did me good and on Tuesday I did quite a bit. So I now have a breathing space, will take life in the slow lane and restart on the healthy eating and lots of walking (plus getting the house back in shape).

    I am also taking a fresh look at my crafting and sewing supplies. Some of my boxes and cardboard drawers are damaged so i will be looking to use things up so that things fit in a smaller space and the shabbier containers can go.

    Today I am grateful for a visit from DS2 (please don't let him get injured any more at his rugby game on Saturday). He came to borrow money, I gave him his card from my mum, his egg money and extra as his birthday present from me.

    Grateful for a phone call from DS1. He thinks the builders are charging too much for installing laminate flooring at his new house so wanted details of the man who did mine and costs to arrange it himself (when building is complete). he had forgotten that I had mentioned dividing the tools, so I will get on with that - I don't think I will have much call to use the sledgehammer at this stage in my life. It was chosen by him in the first place and I can keep hold of my grandfather's one.

    Grateful that I have found some suitable pj bottom for DS3's brthday present although I might buy the animal ones (from the muppets) or even turtle ones.
    Last edited by mothernerd; 20-04-2017 at 9:02 PM.
    Building a rainbow of happiness and joy 2017 Weight loss 4lb NST Jun No 7 SFD 11 /20 Budget Food 97.55/ 100 Transport 4.30/10.Ext / 20 EF 28/01/16 Mortgage Free 5.1 1982 Debt Free 11/01/2016
    Progress through plodding, baby steps and purposeful pottering
    • crazy_cat_lady
    • By crazy_cat_lady 20th Apr 17, 9:10 PM
    • 3,879 Posts
    • 27,221 Thanks
    crazy_cat_lady
    Evening all
    Alas I didn't bag my nsd as I'd hoped for. There was almost a full war at lunchtime when ds discovered that dd had eaten 'his' chicken nuggets and there weren't any left. Disgusting things but the kids love them. I didn't know yesterday when I shopped so I had to go out and buy some more... Boo hiss.
    Other than that, all quiet. A bit of marking. A bit of housework. A couple of loads of washing line dried. I can't believe we're getting on towards the end of April already.
    NST June#24 NSD 8/15 RYSAW17 #1 412.74 20p Savers #88 1 a day for Xmas # DFD 6 Nov 15 - paid 28,447
    • misstara
    • By misstara 20th Apr 17, 9:12 PM
    • 2,219 Posts
    • 15,441 Thanks
    misstara
    Went out for tea after work with the girls and had a lovely catch up. I've now got 2 days off which is very much needed although Saturday will be taken up with the run.

    Made a small payment to the debt today, inching closer to being rid of the original debt
    Last edited by misstara; 20-04-2017 at 9:14 PM.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 1663.51 (27.7% paid)
    Mini Targets
    Exercise target - 6/12. Groceries target 104.25/150. NSD target 13/16.
    • Jo Blogs
    • By Jo Blogs 21st Apr 17, 2:20 AM
    • 670 Posts
    • 2,160 Thanks
    Jo Blogs
    Good morning everyone

    Great inspirational posts as always folks

    Today will be NSD No 19 here

    Wishing you all a great NSDay!
    Saved Nitty Gritty 6585.48 [132%] / 5000-[July] 255.47 for the 'Save 12k in 2017' #157
    2017 Womble #35 3882.77 June NSDs 22/15CCCChl 34/52 weeks
    June PPChl#002 Pts 225
    • Toni'sfriend
    • By Toni'sfriend 21st Apr 17, 9:46 AM
    • 509 Posts
    • 4,763 Thanks
    Toni'sfriend
    Thanks for the support, Bob. Actually it turned out to be a good day. I picked out three lacy type tee shirts at 10.00 each and when I took them to the checkout C paid for them. He said it was an Easter present as I had declined a chocolate egg. Also remembered I had gift vouchers from Christmas so I bought 2 pairs of "smart" trousers. Feel much better now and will wear some of my new things when I meet my sister in law and cousin (both glamorous ladies) later.
    Had a long talk with C yesterday. We both feel that we've got into a bit of a rut doing the same thing day after day. So the Holiday Fund has now been renamed the Holiday and Entertainment Fund and we are planning to go somewhere different once a week (using our free bus pass) and go for lunch somewhere once a week (always looking for a bargain, of course). Small beginnings but hopefully it will help us move forward.
    So, bit dull here again today but I'll walk to the restaurant just to get a bit of exercise.
    Hope you all have a good day,
    NSD 13/12 Weightloss 1.5/48 June Womble 121.36 2017 Wombling total 971.15
    • Bobarella
    • By Bobarella 21st Apr 17, 10:51 AM
    • 10,623 Posts
    • 68,535 Thanks
    Bobarella
    Thanks for the support, Bob. Actually it turned out to be a good day. I picked out three lacy type tee shirts at 10.00 each and when I took them to the checkout C paid for them. He said it was an Easter present as I had declined a chocolate egg. Also remembered I had gift vouchers from Christmas so I bought 2 pairs of "smart" trousers. Feel much better now and will wear some of my new things when I meet my sister in law and cousin (both glamorous ladies) later.
    Had a long talk with C yesterday. We both feel that we've got into a bit of a rut doing the same thing day after day. So the Holiday Fund has now been renamed the Holiday and Entertainment Fund and we are planning to go somewhere different once a week (using our free bus pass) and go for lunch somewhere once a week (always looking for a bargain, of course). Small beginnings but hopefully it will help us move forward.
    So, bit dull here again today but I'll walk to the restaurant just to get a bit of exercise.
    Hope you all have a good day,
    Originally posted by Toni'sfriend
    How nice to be treated TF a womble right there
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 54.82 2016-62.28 2015- 84.20)
    RYSAW17 1855 2016 2,535.16 2015 1027.20
    • thriftylass
    • By thriftylass 21st Apr 17, 11:41 AM
    • 2,853 Posts
    • 23,225 Thanks
    thriftylass
    Hello,

    a rather dreich day up here today but at least it might save me watering the plants.

    Lunch to work and gym planned.

    Last night I had to discard half my seedling as they died in the conservatory. Just one day of proper sun shine and it got too hot in there. Also started some mung bean shoots and chick pea shoots (first doesn't last long in big bags from shop, second can't get) for my salads/stir fries next week.

    Tried my new washing machine and it's lovely, so quite and stable when it spins.


    That's me for today
    NST june no 11
    SFD 6/18 spends 857/1050 (incl hol child care, holiday, vet) Exercise 5/22 Amazon vouchers for xmas 39
    Debt - all 0% 1440 to go from 5290 (72% paid off)
    DFD 9/2017 Mortgage 109343 (04/17) 16 years left
    • f0xh0les
    • By f0xh0les 21st Apr 17, 2:22 PM
    • 819 Posts
    • 5,767 Thanks
    f0xh0les
    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 .
    Originally posted by thriftylass

    I think it might have helped that the wife was able to help out with her little part time job as a ................... FASHION DESIGNER !!

    Sorry to go all Alvin Hall (pay off your mortgage in three years by only eating baked beans and knitting your own knickers). They must have budgetted really strictly to pay it off in that time, but also they were not normal.
    MFW May118,340 A117 S116 N115, D114 J114 Feb 113,500 M 112,800 A112,250 MAY 111,600 - next goal- 110k) SPC #59 Very Special Agent Womble #15 NST#9 Competition wins..a kids book Free Amazon vouchers 13 YouGov 48.25 (50 Nov) Tesco 15.00 Mr Morris 15
    • f0xh0les
    • By f0xh0les 21st Apr 17, 2:36 PM
    • 819 Posts
    • 5,767 Thanks
    f0xh0les
    I have arranged a meet up with my friend for a weekend, who I have not seen for 4 years, and not spoken on the phone for about 3 years, until I got this invitation. So I finally have something to look forward to, the plan is to put up a tent in her garden!.
    Not until August though.
    MFW May118,340 A117 S116 N115, D114 J114 Feb 113,500 M 112,800 A112,250 MAY 111,600 - next goal- 110k) SPC #59 Very Special Agent Womble #15 NST#9 Competition wins..a kids book Free Amazon vouchers 13 YouGov 48.25 (50 Nov) Tesco 15.00 Mr Morris 15
    • SkintTeacher
    • By SkintTeacher 21st Apr 17, 7:25 PM
    • 307 Posts
    • 1,698 Thanks
    SkintTeacher
    Walking along yesterday in a local beauty spot, three girls of about the age I taught chucked a penny on the floor. I said, 'ooh! You've dropped some money! ' and they were all 'it's only a penny'. My 4 year old's eyes lit up (at least he knows the value of money) and went to pick it up, whilst remarking that you shouldn't drop things! Tee hee! I didn't correct him and they were still within earshot.

    I've had the most fabulous month. I've had time (actual time!!!) to sift through charity shops and choose some new stuff. My sis has been here so she is available for style advice (apparently I'm automatically picking stuff for my 'old' body). I've not spent alot but feel like I have a fair amount for work am be leisure. I've also bought some sport hear, including trainers at 50% off thanks to my insurance. I wore them today and loved the fact they're neon pink.

    Next month I'll be back to frugality but hopefully looking a damn site better in my properly fitting clothes!
    • Bobarella
    • By Bobarella 21st Apr 17, 7:46 PM
    • 10,623 Posts
    • 68,535 Thanks
    Bobarella
    I meant to say to you Swimming the tarantula living in your bin made me laugh a lot....

    And it was nice to find out the story of your user name Toni's friend
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 54.82 2016-62.28 2015- 84.20)
    RYSAW17 1855 2016 2,535.16 2015 1027.20
    • apple muncher
    • By apple muncher 21st Apr 17, 9:00 PM
    • 5,967 Posts
    • 43,539 Thanks
    apple muncher
    Today I am grateful for dh coming food shopping with me, for having the energy to do a workout, for the clematis blooming over a neighbour's fence, for dd enjoying the playdate with a friend, for finding the gf/df ready-made icing that dd loves, for finishing my bees, for getting a good start on some exam marking prep, for dh and I being like-minded over money matters, for big sis being okay, for dd loving reading.
    NST June #1; NSD 16; Ex 15; craft 89; remove 473
    2017 MFW#63 Pay off: 2189/4000; 2
    017 sell 110

    Mortgage 24,881 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • crazy_cat_lady
    • By crazy_cat_lady 21st Apr 17, 9:10 PM
    • 3,879 Posts
    • 27,221 Thanks
    crazy_cat_lady
    Today I am grateful for a whole day relaxing and catching up with bestie
    NST June#24 NSD 8/15 RYSAW17 #1 412.74 20p Savers #88 1 a day for Xmas # DFD 6 Nov 15 - paid 28,447
    • mothernerd
    • By mothernerd 21st Apr 17, 10:02 PM
    • 1,904 Posts
    • 19,308 Thanks
    mothernerd
    A NSD. Only had 3 hours sleep so relaxing and sewing mostly.

    Today I am grateful for finding several colours of thread to continue work on current projects (searched through 6 drawers with approximately 220 skeins of thread in each one), for food deliveries and for toilet rolls (have a modest toilet roll mountain, not up to prepper standard - was going to build it up over the year but they were delivering, they had an even better offer than the one I have been getting and they didn't have enough 16 packs to fulfill my order and replaced part of it with 12 packs so think I have got 4 free ones).
    Building a rainbow of happiness and joy 2017 Weight loss 4lb NST Jun No 7 SFD 11 /20 Budget Food 97.55/ 100 Transport 4.30/10.Ext / 20 EF 28/01/16 Mortgage Free 5.1 1982 Debt Free 11/01/2016
    Progress through plodding, baby steps and purposeful pottering
    • greent
    • By greent 21st Apr 17, 10:18 PM
    • 5,871 Posts
    • 59,355 Thanks
    greent
    Small shop at A!di today (NSD yesterday) 2 fleebay parcels posted, 2 more to post tomorrow

    Today I am thankful for:
    * takeaway for dinner - 20.08 for 6 of us
    * making a big tray of rocky road to use up some bits n pieces
    * getting the ironing mountain under control
    * dry enough weather to dry 2 loads of washing
    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) 3000/3286
    Net sales 2017 657.00/500 PAYDOX17 9887/10k Decluttered 865/2017 items
    • abundant1972
    • By abundant1972 21st Apr 17, 10:20 PM
    • 1,153 Posts
    • 8,380 Thanks
    abundant1972
    Late night check in here...

    Feeling a little run down but all self-inflicted from 2 late nights on the trot... Must do better!!!

    Yesterday was a spend day on some stamps
    Today = NSD number 10

    Gratitude for the last few days:
    • A little desk time to clear things
    • Food in for packed lunches
    • Nice weather
    Planning a weekend of gym and walks, healthier eating and early nights. Have a good evening folks x

    Repay Car : Phase 1 : 0/2000.00
    Follow your heart & be true to yourself always
    Help To Buy ISA = 4083.65. EF = 500.00/4500.00
    NST June : NSD=7/20 : Food 85/125 : Spends 85.00/125
    365 Day 1p Challenge = 347.50/667.95. 1.00 a Day = 181.00/365.00
    Meditation =3/7. Exercise Sessions 0/3. Cash Bonus = 11/150 + 159/399.00
    • Jo Blogs
    • By Jo Blogs 22nd Apr 17, 3:39 AM
    • 670 Posts
    • 2,160 Thanks
    Jo Blogs
    Good morning everyone

    Great inspirational posts as always folks

    Today will be NSD No. 20 here

    Wishing you all a great NSDay!
    Saved Nitty Gritty 6585.48 [132%] / 5000-[July] 255.47 for the 'Save 12k in 2017' #157
    2017 Womble #35 3882.77 June NSDs 22/15CCCChl 34/52 weeks
    June PPChl#002 Pts 225
    • Toni'sfriend
    • By Toni'sfriend 22nd Apr 17, 8:50 AM
    • 509 Posts
    • 4,763 Thanks
    Toni'sfriend
    Had a lovely lunch with my sister in law and cousin and it only cost 10.00, Really must try to do this more often.
    Apart from that nothing much else happening.
    Have a good weekend.
    NSD 13/12 Weightloss 1.5/48 June Womble 121.36 2017 Wombling total 971.15
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