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  • FIRST POST
    • dreamtruce
    • By dreamtruce 31st Mar 17, 7:20 AM
    • 100Posts
    • 156Thanks
    dreamtruce
    April Penny Pincher Challenge
    • #1
    • 31st Mar 17, 7:20 AM
    April Penny Pincher Challenge 31st Mar 17 at 7:20 AM
    Rules & Guidance
    • You have to Choose 15 items off of the list to do each month
    • Keep count of how many times you do the tasks during the month
      There isn't a limit to how many times you can do the task
      but at least aim to do each item at least once!
    • You can split the tasks into daily,weekly,monthly but you have to do them still
    • Each task is worth 1pt and you can earn an extra 5pts for trying every task once
    • *new* You are more than welcome to include other challenges here
    • You may choose the same tasks each month but please try one new way each month, just to help you avoid being stuck in a rut!
    • Post your progress regularly & share other ways that you've found to save money and we can add it to the list
    • Join in with weekly chats and challenges (some may not be focused around saving money!)
    • Try your best and there is no "failures" as there is always next month to try again.
      This is not a race either.


    To Join
    Post your 15 tasks from the list below & act on them throughout the month.
    You will get given a number and the members list will be posted below.
    Be sure to keep us updated with your progress so we can add your points

    Useful templates
    Penny Pincher Master Task List
    Penny Pincher Challenge Monthly Task Chart
    Last edited by dreamtruce; 02-04-2017 at 9:39 AM.
Page 4
    • Jo Blogs
    • By Jo Blogs 13th Apr 17, 9:22 PM
    • 751 Posts
    • 2,594 Thanks
    Jo Blogs
    Thanks Jo blogs, well today I have set up payments to my new Halifax and post office accounts only £25 & £10 respectively but baby steps right. I am now after I've shifted a sleeping puddy cat going to make prawn and chorizo rice for tea and also prepare some more meals for me for my nights starting tomorrow night.
    Originally posted by lincs1205
    You sound like you have a great plan lincs1205
    I'm sure the sleeping puddy cat won't mind as long as you share a few prawns
    Enjoy! Have a great evening
    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
    • dreamtruce
    • By dreamtruce 13th Apr 17, 11:24 PM
    • 100 Posts
    • 156 Thanks
    dreamtruce
    Hello everyone I'm so sorry I've not been around or in touch, work has been a bit more emotionally tiring and also been trying to get things in place for the move.

    I think the no spend goal is out of the window - I'm always finding things I need and just trying to enjoy my time that's left with my family before I move, so I have been spending. Also this weekend I'm at my boyfriends parents in Oxford and they want to take me to the center which I've never been to and also there's little bits of house stuff now so I won't get that goal.

    But I have been buying in bulk so instead of £3 Tesco meals, I brought multi bags of things,using club cards a lot (not all the time because sometimes I forget but will be saving recipes for the times I don't so I can get them added) , trying to use my own bags when I have them and if I have space.

    I have some goals for may set already.

    Im really so sorry for being away I may be on and off, WE MOVE OUR STUFF IN NEXT SATURDAY! *eek*, I officially move in on 29th and Adam moves in on 22nd.

    Welcome to all new members, I'm so happy and really appreciative that you like and are enjoying this challenge (I hope), you don't have to ask to join but it's always nice to see each others goals to see who's working on what. It doesn't matter if you don't meet all of them or things change and it sure isn't a race on who gets the most points.

    I love the idea of having a self care goal,
    Maybe we can add it as part of the challenge?

    Are there anything else you would like to see or do within this challenge?

    I hope everyone has a great Easter weekend,got any plans?

    X
    Forgot to mention I made £50.
    My mum owed me £10 for exchanging a gift card and made £40 from giving Adams brother some funko pop figures and a marvel select figure (weren't mine, they were an exs who gave them back to me so I may as well use it for my own gain. As bad as that sounds I just want a fresh new start with Adam)
    Last edited by dreamtruce; 13-04-2017 at 11:28 PM.
    Home Deposit: £100.61|BULSFund: £50.00|EmergencyFund: £89.76 | Retirement: 5.21| Xmas 17:£10.00 |July NSD:1 / 15
    • Jo Blogs
    • By Jo Blogs 14th Apr 17, 2:00 AM
    • 751 Posts
    • 2,594 Thanks
    Jo Blogs
    Good morning everyone

    Hope you all have a super day. Will be back this afternoon to update my points, as today will be a spend day, so lots to do

    dreamtruce - It's lovely to see you and I'm so happy to see that things are moving forward for you. Not long before the move and then you'll be able to relax a bit . So glad you are getting bits together for the house. It will make all the difference when you move in, and again, hopefully, it will be less stressful for you later

    Wishing you all the best and take care
    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
    • dreamtruce
    • By dreamtruce 14th Apr 17, 8:35 AM
    • 100 Posts
    • 156 Thanks
    dreamtruce
    Aw thank you, Jo!
    The contract is all signed now so all we have to do is do final checks and get keys on Saturday, Adam pays the deposit and first month rent on Friday but we've decided to split that as it would leave him with no money to use for the house and plus I felt mean about him paying for the rent anyway... If I earned enough I would halve it with him.
    So I'll say good bye to like £700 but worth it.

    Yeah we've got a lot of things now it's just furniture like a sofa really.

    I hope you have a fantastic day!! X
    Home Deposit: £100.61|BULSFund: £50.00|EmergencyFund: £89.76 | Retirement: 5.21| Xmas 17:£10.00 |July NSD:1 / 15
    • Jo Blogs
    • By Jo Blogs 14th Apr 17, 3:27 PM
    • 751 Posts
    • 2,594 Thanks
    Jo Blogs
    Good afternoon everyone

    Chugging along on the April penny pincher express and today I have......

    Checked my bank account(s) (1 point)
    Checked my savings account(s) (1 point)
    Made a payment into one of my savings accounts (1 point)
    Made a shopping list and stuck to it (1 point)
    Bought own brands (1 point)
    Paid with cash (1 point)
    Topped up Nect0r card points (1 point)
    Used triple Nect0r points voucher (1 point)
    Used a £5 off no spend needed Arg0s voucher and paid only 49p for an item I needed (1 point)
    Reused my shopping bags (1 point)
    Updated my expenses log (1 point)
    Re-checked my budget (1 point)
    Swapped some magazines (1 point)
    *Gave a friend a homemade cake (1 point)
    *3 seperate DD payments to charity (3 points)

    Adding 17 points to my total

    I've decided to change one of my tasks, No.39, to one which intheearlyhours has suggested *'Be giving'

    dreamtruce - sounds as though you are getting things really sorted and off to a great start. Wishing you well with your furniture hunt and hope you get all the things you need before you move in . Exciting times ahead

    Wishing everyone a great Easter
    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
    • dreamtruce
    • By dreamtruce 14th Apr 17, 11:01 PM
    • 100 Posts
    • 156 Thanks
    dreamtruce
    Even though I've been away I have been doing some tasks, I will have to update with my points. I do have a lot of points.

    We've looked for a sofa and although it was more expensive than what we were hoping, it is a three seater, good sized bed and we get a good discount from argos. We just got to look tomorrow and find a suitable time for it to be delivered.

    I didn't spend anything today!!! ��
    I also put £35 in emergency savings.

    I've had such an amazing day we didn't do too much apart from sorting some things out for the house and I'm just hoping that I'd have enough to give Adam half of the rent. The way I've worked it out, the new bills (without rent as Adam is paying that) equal to £250 which is the rent I was paying my parents, which Is nice because I'm already used to saying goodbye to that money.

    Well done Jo!
    What did you do?
    Home Deposit: £100.61|BULSFund: £50.00|EmergencyFund: £89.76 | Retirement: 5.21| Xmas 17:£10.00 |July NSD:1 / 15
    • Jo Blogs
    • By Jo Blogs 15th Apr 17, 3:35 AM
    • 751 Posts
    • 2,594 Thanks
    Jo Blogs
    Good morning everyone

    Chugging along on the April penny pincher express and today I have......

    Checked my bank account(s) (1 point)
    Checked my savings account(s) (1 point)
    Made a payment into one of my savings accounts (1 point)
    Today is NSD No.13 (1 point)

    Adding 4 points to my total

    Hope everyone is ok and has a great day!

    dreamtruce - It sounds as though everything is coming together just fine for you
    As of 4pm yesterday, I took charge of a post-op dog who I'm babysitting at home over the Easter period, so it'll be pretty hectic but quiet here. It needs to be for the dog to recover. A few days and he'll be back to his normal lovely naughty self ,and after a good check over he can go home
    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
    • Jo Blogs
    • By Jo Blogs 16th Apr 17, 1:04 AM
    • 751 Posts
    • 2,594 Thanks
    Jo Blogs
    Good morning everyone

    Chugging along on the April Penny Pincher express and today I have......

    Checked my bank account(s) (1 point)
    Checked my savings account(s) (1 point)
    Today is NSD No.14 (1 point)

    Adding 3 points to my total

    Hope everyone has a super APP Day
    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
    • intheearlyhours
    • By intheearlyhours 16th Apr 17, 6:30 AM
    • 12 Posts
    • 31 Thanks
    intheearlyhours
    Good morning everyone. Hope everyone is well and enjoying the Easter weekend.

    I've lost count a bit of my points, but I think that in the last couple of days this is what I've done:

    78. Sign up for freebies - yes and entered some competitions
    80. Check emails for offers/vouchers/discounts & purge unneeded emails - yes
    81. Sign up for cash back sites but only use when needed & check offers/vouchers - still checking
    83. Try Save 20ps week Challenge - i started this yesterday and collected all the 20ps I already had.

    33. Maintain a healthy lifestyle & take care of yourself everyone - trying to eat better and relax.

    Be giving - put some money in the collection box at local shop and also trying to be more thoughtful about family and friends.

    Be grateful - trying to remind myself everyday

    I'll claim 7 points so 14 in total.

    Have a good day everyone and

    intheearlyhours
    • Jo Blogs
    • By Jo Blogs 16th Apr 17, 9:35 AM
    • 751 Posts
    • 2,594 Thanks
    Jo Blogs
    Good morning everyone. Hope everyone is well and enjoying the Easter weekend.

    I've lost count a bit of my points, but I think that in the last couple of days this is what I've done:

    78. Sign up for freebies - yes and entered some competitions
    80. Check emails for offers/vouchers/discounts & purge unneeded emails - yes
    81. Sign up for cash back sites but only use when needed & check offers/vouchers - still checking
    83. Try Save 20ps week Challenge - i started this yesterday and collected all the 20ps I already had.

    33. Maintain a healthy lifestyle & take care of yourself everyone - trying to eat better and relax.

    Be giving - put some money in the collection box at local shop and also trying to be more thoughtful about family and friends.

    Be grateful - trying to remind myself everyday

    I'll claim 7 points so 14 in total.

    Have a good day everyone and

    intheearlyhours
    Originally posted by intheearlyhours
    Great job with the points intheearlyhours - I'm sure dreamtruce will update the points some time

    Wishing you a very Happy Easter too and have a great day!
    Last edited by Jo Blogs; 17-04-2017 at 2:35 AM.
    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
    • dreamtruce
    • By dreamtruce 16th Apr 17, 12:57 PM
    • 100 Posts
    • 156 Thanks
    dreamtruce
    Morning everyone well afternoon... Lol
    I will update everyones points once I'm back home - tomorrow some time.

    It's all lovely that you're all doing so well. I'm not doing as well as I thought though I have racked up some more points.

    I had a lush day yesterday and today (there's still more lovely things planned for today) I did spend a bit yesterday, the boyfriend wanted to buy a poo emoji pillow - been looking for one for a long time though and it's same price back home. he didn't have any cash so I told him to use my money and not to pay me back. I also brought a finger spinner.

    Im trying to not spend money today,
    But we will see as the Mr wants to take me to the arcade.

    I checked my bank account today and yesterday.

    Last night I made a list of how to save more money or to save money to emergency funds, what to do to be financially stable etc.

    Happy Easter!
    Enjoy yourself and eat all chocolate!!
    Home Deposit: £100.61|BULSFund: £50.00|EmergencyFund: £89.76 | Retirement: 5.21| Xmas 17:£10.00 |July NSD:1 / 15
    • Jo Blogs
    • By Jo Blogs 17th Apr 17, 2:39 AM
    • 751 Posts
    • 2,594 Thanks
    Jo Blogs
    Good morning everyone

    Chugging along on the April Penny Pincher express and this morning I have......

    Checked my bank account(s) (1 point)
    Checked my savings account(s) (1 point)
    Made a payment into one of my savings accounts (1 point)
    Today is NSD No.15 (1 point) - Reached my monthly target of 15 NSDs
    Sold 4 items on the Bay yesterday (4 points) - Hopefully, more to sell today

    Adding 8 points to my total

    Wishing you all a super day and a wonderful Bank Holiday
    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
    • Jo Blogs
    • By Jo Blogs 17th Apr 17, 2:46 AM
    • 751 Posts
    • 2,594 Thanks
    Jo Blogs

    It's all lovely that you're all doing so well. I'm not doing as well as I thought though I have racked up some more points.

    Given the circumstances dreamtruce, I think you're doing well with the points

    ...................Last night I made a list of how to save more money or to save money to emergency funds, what to do to be financially stable etc.

    You sound as though you are getting organised and planning well ahead, which is great!
    Originally posted by dreamtruce
    Wishing you both a super Bank Holiday
    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
    • Jo Blogs
    • By Jo Blogs 18th Apr 17, 2:09 AM
    • 751 Posts
    • 2,594 Thanks
    Jo Blogs
    Good morning everyone - Hope you are all ok

    Chugging along on the April Penny Pincher express and this morning I have......

    Checked my bank account(s) (1 point)
    Checked my savings account(s) (1 point)
    Made a payment into one of my savings accounts (1 point)
    Today is NSD No.16 (1 point)
    sold 6 items on the Bay yesterday (6 points)

    Adding 10 points to my total

    Wishing you all a great APPDay
    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
    • dreamtruce
    • By dreamtruce 18th Apr 17, 7:41 AM
    • 100 Posts
    • 156 Thanks
    dreamtruce
    I checked my bank account yesterday & today (2pts)
    Today I will be taking my own lunch (+1 pt)


    At the weekend me & the mister brought a sofa and agreed that we are going halves on pretty much everything, which is nice. We just need to decide on a coffee table & TV unit now.

    So much to pack & do this week and so little time !

    How you have a APP Day too ! You're all doing so well.
    Home Deposit: £100.61|BULSFund: £50.00|EmergencyFund: £89.76 | Retirement: 5.21| Xmas 17:£10.00 |July NSD:1 / 15
    • intheearlyhours
    • By intheearlyhours 18th Apr 17, 8:39 AM
    • 12 Posts
    • 31 Thanks
    intheearlyhours
    Good morning everyone

    Updating with the last 2 days APP points:

    went for a walk each day - 2 points
    20ps into a pot - 2 points
    entered for freebies/competitions - 1
    checked and purged emails - 2

    Still trying to be giving and be grateful each day (I think I'll count these as one challenge) so 2 points for the last 2 days.

    So 9 points and up to 23 now.

    Hope everyone has a good day.

    intheearlyhours
    • Jo Blogs
    • By Jo Blogs 19th Apr 17, 1:03 AM
    • 751 Posts
    • 2,594 Thanks
    Jo Blogs
    Good morning everyone

    Great going with all the points

    Chugging along on the April Penny Pincher express and this morning I have......

    Checked my bank account(s) (1 point)
    Checked my savings account(s) (1 point)
    Made a payment into one of my savings accounts (1 point)
    Today is NSD No.17 (1 point)
    Listed 6 items on the bay yesterday (6 points)

    Adding 10 points to my total

    Wishing you all a super APPDay
    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
    • Jo Blogs
    • By Jo Blogs 20th Apr 17, 1:10 AM
    • 751 Posts
    • 2,594 Thanks
    Jo Blogs
    Giood morning everyone

    Chugging along on the April Penny Pincher express and I have......

    Checked my bank account(s) (1 point)
    Checked my savings account(s) (1 point)
    Made 2 payments into my savings accounts (2 points)
    Opened a new Regular Saver yesterday (1 point)
    Set-up monthly SO for Regular Saver yesterday (1 point)
    Today is NSD No.18 (1 point)
    Swapped magazines yesterday (1 point)

    Adding 8 points to my total

    Wishing you all a super APPDay!
    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
    • dreamtruce
    • By dreamtruce 20th Apr 17, 8:18 AM
    • 100 Posts
    • 156 Thanks
    dreamtruce
    Hey guys, sorry I haven't updated or anything.

    Me and my parents had a horrible dispute and it got messy, so I left for two days and stayed at my boyfriends current house. The Last few days at home won't be enjoyable... But I gotta make the best of it at least for myself.

    I'll be home tonight and tomorrow then Saturday I'll be moving / packing my things.

    I haven't done anything this week to save money really... If I'm honest I'm not in a good place right now to focus on money issues.

    Does anybody count money that they owe to family as "family debt" or just class it as iou but not worry too much about it?
    Home Deposit: £100.61|BULSFund: £50.00|EmergencyFund: £89.76 | Retirement: 5.21| Xmas 17:£10.00 |July NSD:1 / 15
    • Jo Blogs
    • By Jo Blogs 21st Apr 17, 2:17 AM
    • 751 Posts
    • 2,594 Thanks
    Jo Blogs
    Good morning folks

    Chugging along on the April Penny Pincher express and this morning I have......

    Checked my bank account(s) (1 point)
    Checked my savings account(s) (1 point)
    Today is NSD No.19 (1 point)

    Adding 3 points to my total

    Wishing you all a great APPDay!
    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
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