Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • apple muncher
    • By apple muncher 29th May 17, 7:47 PM
    • 6,314Posts
    • 45,953Thanks
    apple muncher
    NST June 2017: Jiggle Free June
    • #1
    • 29th May 17, 7:47 PM
    NST June 2017: Jiggle Free June 29th May 17 at 7:47 PM
    NST June 2017: Jiggle Free June

    Welcome one and all to your 30 day June challenge.

    An opportunity to reduce how much you jiggle – financially, fitness-wise, healthwise…

    This is an opportunity to decrease your debt, increase your savings, reduce your wants, reject consumerism, use up foodstuffs that have been lurking at the back of the cupboards for far too long, simplify your life and move forwards.

    To quote ninjasavingkat: “As we clear out debts, we clear our lives. Of things that tie us down, make us unhappy, look untidy, feel wrong and don't fit our lives any more. The idea of clearing our debts is to improve our life - right?!? Well we need to be healthy in order to enjoy this debt free life, don't we?”

    These are the rules:

    • This challenge will commence on the 01st June and end on the 30th June.
    • You will aim for 12 Non Spend Days (NSDs) plus an added extra of your choice... so another 4, another 9. You decide! You do not lose an NSD for medication or fuel or purchasing ONLY yellow stickered goods.
    • Pay towards your debt first! This is imperative. You have your debt free date in mind (I hope!) Well calculate how much you need to pay per month to reach it - and pay that first. Live off the rest. Simples.
    • Set your budgets now, before the month starts. What you are spending on food, petrol, bills, clubs for the little ones and what you are using as a back-up plan or miscellaneous budget. Set that money aside and stick to it for the month.
    • You need to incorporate 3 proper exercise sessions a week. These are to get the heart rate up. The cleaning or ironing doesn't count. It has to be 20 minutes minimum as well - MAKE IT COUNT! (I am limited by having damaged my big toe rather badly, so no aerobic anything here. But I can still do squats, deadlifts, elevated push ups (ha ha!!!)… It’s not what you can’t do, but finding a way around your limitations.)
    • This month, make every effort to use your everyday routine to add an "extra" session of fitness wherever you can - in every way possible add little extras to your day and don't look for the 'easy" option all the time.
    • Plan Plan Plan. Look at the month ahead and be prepared for what is coming your way. Do you need to get more cat/dog food..? Prep now so you don't have to use your credit card or panic. Preparation is the key to success.
    • Plan your outings – remember: no cafes / restaurants / work canteens / no vending machines or corner cafes… Take food and drinks everywhere with you.
    • Check in here every day – we love to share in victories whether large or small, cheer each other on, and support each other in tough times.
    • And finally: reject consumerism as much as you can. This might seem hard, unrealistic, or even stupid, but the longer you have been doing these challenges, the more you know it makes sense. Tell us your triumphs!
    Who is with me?



    Last edited by apple muncher; 29-05-2017 at 7:58 PM.
    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
Page 12
    • Lauralozzle
    • By Lauralozzle 12th Jun 17, 9:38 PM
    • 408 Posts
    • 3,759 Thanks
    Lauralozzle
    We are now one third of the way through June.

    Look back on the last 10 days and reflect on what you have done well.

    Then look at the next 10 days: what will you choose to focus on.

    (I'm going to increase my 'extra' exercise and really make my workouts count)
    Originally posted by apple muncher
    I've kept within budget and have resisted the urge of takeaway coffee on a whim. That's a big one for me. Exercise has gone well too.

    I'm going to continue focusing on my budget for these next ten days I really have to keep this under control.
    September grocery challenge £268.48/£275| Emergency £1,000 challenge - £55/£1,000 | September NSD 12/18
    Credit Card: £245 (0%) | Car Finance: £8,427 (7.9% APR) | Mortgage: £111,817 (3.99% APR)
    Wedding Fund: £3,564.74
    • SkintTeacher
    • By SkintTeacher 12th Jun 17, 10:01 PM
    • 323 Posts
    • 1,872 Thanks
    SkintTeacher
    nsd 6 today
    So far in June I have dome really well with exercise and I'm well on track for my charity 10k in July. I'm also doing core and more general weights and I am branching out each time I go to the gym - I try a new machine or piece of equipment each time. I haven't quite gained the courage to venture into the muscle head bit yet but maybe when it's quiet...
    Work is going well. The residential was my first as a leader and I was proud of how smoothly it went. I also managed to take enough healthy snacks to last me the week and rejected consumerism each day by forgoing expensive coffees and instead taking cartons of fruit juice (ecno brand). By day 5 this took all my will and I did once crumble when it was chilly and had a hot chocolate. I took £30 cash for the week and came back with about £1. This was mainly spent on presents for my little boy!
    Term will be over soon and so I'm looking at the next few weeks of June as an opportunity to get my head down and spend as little as possible.
    My aim for the summer will be not to dip into my 'shallow' savings - I'm terrible for this, especially when OH suggests doing something nice and I end up thinking life's too short when what I should say is, 'that's a lovely idea, but can we do a cheap Park picnic instead!? '
    Was really pleased the other day when he suggested a trip up the local park instead of a beautiful set of locks about half an hour away, ' to save on petrol'.

    Will continue to work hard on money saving and healthy living - I'm now cycling to work every possible opportunity and also to and from the gym.
    • misstara
    • By misstara 13th Jun 17, 7:43 AM
    • 2,358 Posts
    • 16,339 Thanks
    misstara
    Yesterday was a NSD 6/16 and I ran home from work. Love running home from work as it's good exercise, I get home quicker and I leave my purse at work so no spending.

    Today I need to get some more fruit and also need to book travel tickets for visiting my brother and SIL next month.
    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 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • lcc86
    • By lcc86 13th Jun 17, 8:31 AM
    • 869 Posts
    • 2,334 Thanks
    lcc86
    Been for a run this morning and surprisingly really enjoyed it! Didn't struggle either so overall fitness must be improving I'll also have a walk at lunchtime, but have hit my exercise targets for the week.

    Today will also be a NSD, bringing me up to 7/15. Nearly halfway and I should get a few this week (hopefully!).

    I'm really enjoying this challenge and think I'll do another next month. I've never done a monthly challenge before on here, and have struggled at times to keep track of my spending since becoming debt free, so this has really helped
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 23/09/17 - £435 2017 365 day challenge £457 saved for emergency fund
    • Florence J
    • By Florence J 13th Jun 17, 9:28 AM
    • 1,577 Posts
    • 8,930 Thanks
    Florence J
    My goals for the next ten days. UPDATED

    *Do 4 sessions on the exercise bike, including one that is 90 minutes long.

    *Arrange X Ray on my leg to see if I have a stress fracture so I can know if I need to rest it or if I can take up running again.


    *Get all the documents I need ready to do my self employed taxes.

    *Attend introductory session with my potential counsellor-arrange first formal session if a good fit, find someone else if not.

    *Go to the library and take out books to do with Mental Health/Social Anxiety/Depression as I am in a bit of a low state at the moment (the fact I am arranging to see a counsellor may have been a clue)

    *Keep up with my blogging and other general commitments.

    I'm doing ok on my goals but still have a little way to go.
    Sealed Pot Challenge 10 #553 (£90) Wombling free 2017 = £1505.37 Pay off all your debts by Xmas 2017 #53 (£2743.11/£3000) Debt to OH paid back £1120.95/£1120.95
    September 2017 Credit Card Debt: £4344.96
    • FurryBeastOz
    • By FurryBeastOz 13th Jun 17, 3:22 PM
    • 1,081 Posts
    • 14,284 Thanks
    FurryBeastOz
    Ouch. Definitely not a NSD. £500 before the lawyer has even started. Then my phone died so I missed 2 vital calls. Grrr. Emergency visit to 3 meant I didn't have time to prep food. Add on bus into town and an essential caffeine stop while waiting.

    I'm going to do the milk top up on the way home to try and avoid a spend tomorrow.

    Positive note, I did go for the dog walking this morning, so £10 earned against legal fees.
    *** Debt Free***
    NST September - /18
    Goals - Weight loss 0/13lb from 1st Jul 17
    GC To 1/9/17 £2152.27/£3,500, 61.5/66.6% of the year. Had to raise budget
    • mothernerd
    • By mothernerd 13th Jun 17, 9:34 PM
    • 2,029 Posts
    • 20,582 Thanks
    mothernerd
    Hugs FBO.

    A NSD for me. Up at the crack of dawn to take mum to another appointment. Very good journey (we were expecting traffic jams) and went in early. Don't need to go there again until September. Consultant recommended the new pneumonia jab as her markers for resistance were low.

    Have line dried washing and put out the bins both here and at mum's but lack of sleep (3 - 4 hours) is holding me back. Going to switch off soon and hope for an early start tomorrow (could only find one trainer yesterday, need to fight back against the chaos).

    Today I am grateful for a smooth journey and easy appointment, getting a few things done and filling the bin.
    Building a rainbow of happiness and joy
    NST Sep #14 SFD 10/18 Spent £53.84/ £60
    Debt free and EF January 2016 No mortgage
    Progress through plodding, baby steps and purposeful pottering
    • Fmess
    • By Fmess 13th Jun 17, 10:11 PM
    • 2,518 Posts
    • 23,732 Thanks
    Fmess
    SFD 7 today (6 yesterday) and not much else to report except work.
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New Roof Debt £1425/£8542
    SeptNST #? SFD 1/18 Food 101.16/120 Personal 160/200 Petrol 50/100
    • XSpender
    • By XSpender 13th Jun 17, 10:12 PM
    • 2,588 Posts
    • 26,722 Thanks
    XSpender
    2 NSDs in a row so far this week

    I haven't managed to do any exercise but have eaten much more healthily.

    I have also paid £200 extra off the CC today, another £10 and I will have achieved my target for this month
    PAYDBX 2017 #99 from 4/5 - £2664.28/£10,000 26.6%
    Total Owed £39,547.78 May '17 Total owed July 17 £36883.50 Savings goal £1000 EF - £400
    DFD - May 2021 goal Feb 2020
    • pippy1971
    • By pippy1971 13th Jun 17, 11:21 PM
    • 144 Posts
    • 862 Thanks
    pippy1971
    It's my first post in a while as we were away for my daughter's 9th birthday this weekend. The cost of the trip shocked me and I am sorry to report that although a lovely time was had by all, I am now more broke and in more debt than ever

    But, onwards and upwards. Will be working harder than ever to get to my DFD now that it's 'out of the way'.

    Have not done any specific exercise, but walked for miles every day. Have been trying to squeeze a whole weekend's housework into one evening today. Also, the plants that I have been growing from seed were looking very neglected so had to see to them today too, and had to fit this in after work all day and then taking both children to the dentist. Yesterday didn't fare much better as I had forgot I had a Governors meeting at my daughter's school and then had to go to the supermarket for a cake as they always do a party at school for children on their birthdays.

    Tomorrow my daughter has an after school club, and then it'll be home to make a dent in the masses of ironing that is taking over my house!

    I am very much looking forward to the weekend!! Have OH fathers day gift sorted, but struggling with what to get my Dad...think I will get him some PJ's as he is always cold in the evening.

    Will catch up with what you have all been up to later. Today I am grateful for managing to fit so much in, that the children have healthy teeth and for getting back on track with my MSE plans!
    NST June 2017: Jiggle Free June ..number 18
    The 365 day penny challenge £49.89
    1 debt vs 100 days challenge 26... #2
    • thriftylass
    • By thriftylass 14th Jun 17, 10:52 AM
    • 2,993 Posts
    • 24,467 Thanks
    thriftylass
    Hello,

    Finally getting somewhere with my SFDs, on 5 today. DS is mostly over his chickenpox and back in school. So FIL left again and we can go back to less elaborate dinners (felt bad that he came all the way to babysit so I thought I feed I'm him very well at least).

    Run today at lunch but no fast day today. I think I better start with the 5:2 (so wait till Friday for another one) as 4:3 might be too much, although I have read triathletes and other sporty people doing it. Will need to read more about it so I can utilise the health benefits without the weight loss.

    Still not had the results back from the vet, but the cats lump in her face is getting bigger too fast for my liking .

    DH ordered himself a new phone for £250 and it hasn't turned up yet. There were no reviews on Amaz0n till yesterday when two people reported they hadn't received theirs or had contact. DH tried to contact the company and hasn't heard back either. He'll get in contact with Amaz0n today.

    I booked myself a cheap train ticket and two nights in a YH for my triathlon in August. DH asked if he and the kids should come, if i'd be alright - YES, I'll be fine, can't wait to get a weekend to myself, actually

    Have a nice day
    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
    • lcc86
    • By lcc86 14th Jun 17, 1:04 PM
    • 869 Posts
    • 2,334 Thanks
    lcc86
    Afternoon all,


    Thoughts are with those affected by the massive fire in West London - the building isn't far from my work and I pass it sometimes. I hope the death toll doesn't rise any further


    Today won't be a NSD as I have a riding lesson later on today so have to pay for that. I'll also get some aftersun and possibly some of those passport sized pictures to avoid having another spend day tomorrow.


    As I'm riding I'll count that as my day's exercise. In this heat it's going to be hard work for sure!
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 23/09/17 - £435 2017 365 day challenge £457 saved for emergency fund
    • misstara
    • By misstara 14th Jun 17, 1:46 PM
    • 2,358 Posts
    • 16,339 Thanks
    misstara
    NSD 7 today, I'm just off to work and have left my purse at home so no chance of ruining it. Went for a run this morning, it was a real struggle (just shows how much my fitness has declined after 2 weeks being ill) but I did see some seals
    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 3/8, Gym 1/4. Groceries target £101.46/£150. NSD target 7/18.
    • Calling14
    • By Calling14 14th Jun 17, 2:57 PM
    • 2,482 Posts
    • 18,462 Thanks
    Calling14
    Another sad day I fear the death toll will however rise in London flats. Sheer horror of it. Thoughts with everyone affected by it.

    I did 3.5 hrs of gardening yesterday, somehow managed to do 11.5k steps even though I didn't go for a planned walk.

    Spent five pounds today, fruit, milk and scones today.

    Proud mummy dd got interviewed for Radio Wales yesterday giving blood just six months to the day after having her baby. I go Friday they must be short as already made appt but rang me up chasing last night and I am not a rare blood type.

    Other dd returns home next week after 18mths away, getting emotional just thinking about seeing her.

    Hugs to everyone feeling tad down x
    LBM 13039 1.1.13 NOW 1460
    PAYDBX 2017 #16 2840/4300 DFD 12/17
    E
    Fund #9 £30/£1,000
    1 x 100 days challenge 242/2000 ends 29/12/17


    • cuddlymarm
    • By cuddlymarm 14th Jun 17, 3:01 PM
    • 1,087 Posts
    • 4,931 Thanks
    cuddlymarm
    Hi guys
    Well I've done my exercise and 1 extra for this week.
    Unexpected spend today because I've got an interview on Friday so needed smart pants and a blouse suitable to go in (unfortunately anything suitable I already had were too small) But both items will be usable again so not too bad.
    Cottage pie for tea, so I will make extra mash which can be warmed up tomorrow with the extra portions of stewed beef I put in the freezer last week.
    I hope everyone is ok and keeping well and motivated.
    TTFN
    Cuddles
    August food spend £94.18/£120
    Exercise week 1 4/4 week 2 5/4 week 3 week 4
    NSD5/15
    Treat budget £43.75/£40
    • crazy_cat_lady
    • By crazy_cat_lady 14th Jun 17, 6:40 PM
    • 3,329 Posts
    • 28,597 Thanks
    crazy_cat_lady
    Totally devastated with the latest news from London. There seems to have been so much bad and sad news in recent weeks...
    All remains quiet here at the moment - work, mark, sleep. Still busy. More things to do than I can physically fit into a day. I'm not being very mse but I'm also not running up a load of debt either...
    Raph - hope Duncan is doing ok.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • abundant1972
    • By abundant1972 14th Jun 17, 6:51 PM
    • 1,177 Posts
    • 8,597 Thanks
    abundant1972
    Evening!!!

    Quick check in tonight from the last few days...

    Today = NSD number 7

    Today I am grateful for:
    • A gloriously sunny day
    • Overtime at work
    • My new car and having a sunroof!
    Overtime meant I didn't get out to do my exercise and I'm knackered!!! On the upside- I have done 4 days of mindfulness on the trot and early nights seem to be helping me loads.

    Have a lovely evening all x
    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
    • FurryBeastOz
    • By FurryBeastOz 14th Jun 17, 7:13 PM
    • 1,081 Posts
    • 14,284 Thanks
    FurryBeastOz
    As I didn't trust myself to shop yesterday I had to pick up Yogurt today, but managed to stick to that and some Pepsi Max, and some Non-alcoholic wine (a treat for a REALLY CRAPPY birthday).

    Apparently while I may get my money from the ex-boss, it is likely that if he reports me to my governing body my career is over. So despite the fact that DH came home with a card and flowers and the makings for tiramisu I am feeling thoroughlly miserable.

    Sorry about the winge.

    On a more positive note I did day 3 of my meditation. Did my German Duolingo for the day and clocked up 9,000 after I got back out of bed this afternoon.
    *** Debt Free***
    NST September - /18
    Goals - Weight loss 0/13lb from 1st Jul 17
    GC To 1/9/17 £2152.27/£3,500, 61.5/66.6% of the year. Had to raise budget
    • x_raphael_xx
    • By x_raphael_xx 14th Jun 17, 7:57 PM
    • 3,376 Posts
    • 16,899 Thanks
    x_raphael_xx
    Raph - hope Duncan is doing ok.
    Originally posted by crazy_cat_lady
    Thank you, he's fine now. Although he did give us a second scare the next morning.
    We went out for his early walk with bf, met one of his friends and went rolling in the early morning dew in the grass.
    When he got home and was dried off, we noticed lots of bumps on his head, as if he'd been in some stinging nettles (there aren't any in the park) the bumps/spots spread down his neck and onto his legs and tummy right in front of our eyes. I sent bf to work and decided I'd stay home until the vets opened then would give them a ring.
    Apart from being very itchy, the spots didn't seem to bother Duncan.
    By the time the phone lines opened at 8am, the spots had disappeared. I didn't think there was any point taking him to the vet with nothing to show and he seemed fine so I left for work. I think it was either an allergy to a plant in the grass, or something they've sprayed in the park?
    He's going into the vets tomorrow for a scheduled check up (worming & flea stuff etc) so I'll mention both instances then.

    Didn't post yesterday, was very tired and falling asleep at 8.
    Bf did a shop, so not a NSD. I did have a run, achieved my 10,000 set goal and cooked a very tasty hallumi & salad wrap for tea.

    Today I've had to send a scary large lump sum of money to the conveyancers for the house deposit & fees balance. Looks like we have a tentative completion date of 10th July! Not going to count it as a spend day, as it was all budgeted for and the money kept to one side.

    NSD's 8/20 - Tempted by an iced mocha as I walked past Costa, but resisted.
    3 exercise sessions a week 1/3 one run completed yesterday.
    Extra fitness session 10,000 daily goal. 10,000 yesterday, just 6000 so far today.
    Reject consumerism Rejected!
    Debt Free as of 17/01/2009 Turtle Power!!
    - NSD's - /20
    EF Challenger #36 £800/£5050
    / Lose weight 20 / 30lbs
    • apple muncher
    • By apple muncher 14th Jun 17, 8:07 PM
    • 6,314 Posts
    • 45,953 Thanks
    apple muncher
    Today I am grateful for getting lots of walking done, for my 12KG kettlebell, for my counsellor, for Jeremy Brett as Sherlock Holmes, for getting my veggies down me today, for spending spot on £30 to qualify for my money off coupon in sainz, for an abundance of raspberries, for online recipes, for pictures of gs, for birdsong.

    My aim ton workout hard and increase 'other' exercise is going well, thanks to my KB. Tomorrow's workout will be using my sandbag.
    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
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

380Posts Today

3,631Users online

Martin's Twitter
  • RT @thismorning: 'Sometimes the best gift is releasing somebody else from the obligation of having to give to you' says @MartinSLewis. Do y?

  • Shana tova umetuka - a sweet Jewish New Year to all celebrating. I won't be online the rest of t'week, as I take the time to be with family

  • Dear Steve. Please note doing a poll to ask people's opinion does not in itself imply an opinion! https://t.co/UGvWlMURxy

  • Follow Martin