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    • apple muncher
    • By apple muncher 29th May 17, 7:47 PM
    • 6,303Posts
    • 45,893Thanks
    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 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
Page 15
    • apple muncher
    • By apple muncher 19th Jun 17, 7:35 PM
    • 6,303 Posts
    • 45,893 Thanks
    apple muncher
    V A T

    Victories
    Achievements
    Triumphs

    For the last 10 days of the month, wallow in your victories. Bring to mind ON A DAILY BASIS what you achieve that is mse, that is taking you closer towards your goals. All of these things are triumphs to celebrate.


    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • x_raphael_xx
    • By x_raphael_xx 19th Jun 17, 9:00 PM
    • 3,376 Posts
    • 16,897 Thanks
    x_raphael_xx
    Evening all.
    Very hot sweaty day in work, when I got home I was unsure whether to head out for a run or try and cool down. Decided I was sweaty anyway so headed out. Did a nice little 2 miles. Bf still nagging for a takeaway but I ignored him and whipped up a mini ploughmans for tea.

    NSD's 11/20
    3 exercise sessions a week 1/3 Hot sweaty run accomplished today.
    Extra fitness session 10,000 daily goal. 12,000 reached today
    Reject consumerism Food shop. But mainly milkshakes for bf, peas for me and carrots for Duncan.
    Debt Free as of 17/01/2009 Turtle Power!!
    - NSD's - /20
    EF Challenger #36 £800/£5050
    / Lose weight 20 / 30lbs
    • pippy1971
    • By pippy1971 19th Jun 17, 9:10 PM
    • 144 Posts
    • 862 Thanks
    pippy1971
    Have just had a read through all the posts I've missed when I've been away / catching up with what I didn't get done when I was away. Thoughts are with all of you having a difficult time at the moment .

    I am on NSD 5, which is rubbish. I am feeling carp about debt, have a day to go until payday and so am sitting down to do a budget to get me back on track. We (except my son who hates being away from home) had a lovely time away but I feel like all of the good work I'd been doing is undone. It's hard explaining to my children as neither of them really understand why they can't have things when they want. I explained to them that the holiday has cost a lot of money and they couldn't have any treats for a while and my son has already asked for new trainers (which he needs) and a new computer monitor (which he doesn't). There's nothing my daughter really wants, but I cant take her to the shops as she always asks for a 'little toy', which is never little. I know that makes them sound spoilt, but if they are it is my fault as I used to be able to afford to give them whatever they wanted, but I no longer can. My daughter has learning difficulties and my son has autism so it's hard to make it meaningful for them.

    My son starts secondary school in September and the uniform list is quite shocking We are luckily both working but how you'd manage if you weren't is beyond me. I need to start saving up for that now really, I have a little amount saved for Christmas and there is some essential work that my husband needs to do on the house so lots to juggle.

    Exercise has been as bad as NSDs this month, but hoping to go for a run tomorrow when my husband gets in from work.

    Main cause for celebration is not having to use the dreaded tumble drier at all Have also been complaining a lot and have got a £50 credit from my energy supplier, £13.80 credit off my broadband bill and have also got some cashback due in the next couple of weeks.

    I am grateful that my family are safe and relatively well given the awful events of the last few weeks, that the weather has been good and the garden is keeping me fit (was like a jungle, slightly less so after this weekend)
    Last edited by pippy1971; 19-06-2017 at 9:13 PM.
    NST June 2017: Jiggle Free June ..number 18
    The 365 day penny challenge £49.89
    1 debt vs 100 days challenge 26... #2
    • lcc86
    • By lcc86 19th Jun 17, 9:37 PM
    • 867 Posts
    • 2,310 Thanks
    lcc86
    Today has been a NSD and a healthy day managed two walks today despite the heat. Trying to really keep an eye on my food intake on top of working out as I'm going on holiday at the end of next week. Had a busy day at work today so just trying to wind down really.
    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! 16/09/17 - £446 2017 365 day challenge £457 saved for emergency fund
    • misstara
    • By misstara 20th Jun 17, 7:41 AM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    Yesterday was NSD 10, hoping that today will be 11. I've taken my running stuff to work so the plan is to run past all the shops on the way home .

    I did a heap of baking yesterday - flapjack, choc chip cookies and scones, plain and cheese. We had roast chicken on Sunday so I'm going to make chicken soup tonight and have that and a cheese scone for lunches the rest of the week.

    Hope everyone is ok, hugs to anyone who needs one.
    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.
    • Toni'sfriend
    • By Toni'sfriend 20th Jun 17, 8:31 AM
    • 816 Posts
    • 7,285 Thanks
    Toni'sfriend
    Woke up yesterday morning with streaming eyes, wheezing and a splitting headache which was not helped by workmen arriving at 7.00 am to replace all the drainpipes. The hammering continued all day so I sat around in my jammies feeling sorry for myself until my son chased me off to bed when he came in from work. It's so hot and I don't do well in heat (sorry all you sun worshippers - I wish it would rain!}
    Anyway, I'm feeling better today. Up and the washing is on. Waiting for the workmen to arrive for today's next dose of chaos (I know it will be great when it's all done). Bits and pieces needed from shops so I'm off for a walk shortly.
    I spoke too soon. Hammering has just started - they must have been having a lie in this morning.
    Have a good day.
    • apple muncher
    • By apple muncher 20th Jun 17, 4:08 PM
    • 6,303 Posts
    • 45,893 Thanks
    apple muncher
    Today I am grateful for dh bringing dd's non-working Singer sewing machine to work on the buses for me for the DT tech to service; for said tech finishing it within 2 hours!, for me then being able to lug the thing home, for the bus driver who let me on when my debit card failed on the card reader(it would have been a 5 mile walk...), for a cool house, for hm banana/rasp bars, for dh doing some extra work today, for tennis on the box, for lovely y9s restoring my faith in them, for my tomato plants.
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    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 20th Jun 17, 5:12 PM
    • 6,196 Posts
    • 62,744 Thanks
    greent
    Today I am grateful for a morning off work where I got some of the ironing done (whilst catching up with a tv prog) and tidied/ re-inventoried my freezer, for some free toiletries given to me by my mum, for a new book to read given to me by my mum, for getting OH's and my tax returns all sorted (even if - sadly - we both have some tax to pay), for OH's contract being extended - with a pay increase , for a lovely candidate in the exam this afternoon, for lovely colleagues, for sunny days, for fans!
    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
    • x_raphael_xx
    • By x_raphael_xx 20th Jun 17, 7:15 PM
    • 3,376 Posts
    • 16,897 Thanks
    x_raphael_xx
    Evening all.
    Another hot sweaty day in work, I had fans pointing at me today, so it was slightly more copeable (at least while sat at my desk) I didn't think my lunch thru though. Piping hot bowl of soup is not the best in a warm, airless staff room. Managed another NSD, although would have gladly coughed up some dosh for an ice pop if they had any in the local cafe. (The boss likes to feed the accountant a bacon sarnie when he pops in every week).
    Bf is working late today, so took Duncan out for a slightly longer stroll when I got home. Managed just under 9000 steps today.
    I'm enjoying a little piece and quiet with bf out the house, he'll be home around 8 so I'm going to make a cuppa and snuggle up with Duncan to watch an episode of Poirot before he gets home.

    NSD's 12/20
    3 exercise sessions a week 1/3 Nothing today, resting my legs
    Extra fitness session 10,000 daily goal. 9000 today
    Reject consumerism Rejected! (But only because no icecream van drove past work)
    Debt Free as of 17/01/2009 Turtle Power!!
    - NSD's - /20
    EF Challenger #36 £800/£5050
    / Lose weight 20 / 30lbs
    • lcc86
    • By lcc86 20th Jun 17, 9:45 PM
    • 867 Posts
    • 2,310 Thanks
    lcc86
    Today wasn't a NSD - had to get some keys cut for my house for my sis to let herself in while I'm away for animal feeding duties. It's been a healthy day though and I've managed a run despite the heat, so that's my little victory for today!

    Not looking forward to tomorrow as I have to get the train and the dreaded tube into London for training on what's supposedly going to be the hottest day of the year! Think I may melt! I'll have to pay out for travel but I don't count that as a spend as I put it on my cc and then claim it back through work. I'm still only on 9 NSD's for the month and need to get to 15 - not sure how realistic that is but I'll give it my best!
    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! 16/09/17 - £446 2017 365 day challenge £457 saved for emergency fund
    • pippy1971
    • By pippy1971 20th Jun 17, 10:51 PM
    • 144 Posts
    • 862 Thanks
    pippy1971
    NSD#5 for me... I should add though that it's an NSD because I don't get paid until tomorrow, otherwise would have been shopping..

    I have had a minor incident with the car - no damage to mine but clipped the door mirror of a colleagues car whilst trying to get into the tiniest of spaces. Am wondering if there was already some damage on the door mirror as I was hardly moving and mine doesn't have a mark on it..... But I owned up immediately and will pay for the damage, which is a splintered piece of plastic edging (but knowing my luck hideously expensive to repair.

    My son is having a massive growth spurt and is permanently hungry. He eats all of his dinner (has an adult sized meal) and half an hour later he's hungry again. So tonight he had sausage casserole, potatoes and mixed veg, then he wanted cheese on toast, now he wants pancakes. So I'm making him pancakes at 10.40 pm (much to my husband's annoyance).

    Tomorrow I will need petrol and food shopping so aiming for NSDs Thursday and Friday.

    Hope you all manage to sleep ok in this humid weather.....
    NST June 2017: Jiggle Free June ..number 18
    The 365 day penny challenge £49.89
    1 debt vs 100 days challenge 26... #2
    • misstara
    • By misstara 21st Jun 17, 7:19 AM
    • 2,358 Posts
    • 16,336 Thanks
    misstara
    NSD 11 achieved yesterday . Today will be a spend day, I need bus fares today as I'm working a late shift for 2nd job after usual job and won't have enough time to walk from one to the other. I'll also get some milk and bread to do us to the weekend.
    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.
    • Toni'sfriend
    • By Toni'sfriend 21st Jun 17, 7:59 AM
    • 816 Posts
    • 7,285 Thanks
    Toni'sfriend
    Well, yesterday was a much better day. Managed a walk, bought some fruit, veg and bread and made a huge bolognese and a pot of red pepper soup. I've lost 1.5lbs (big cheer!)
    C is out for the day so I have a long, long list of chores to do. Let's see how far I get.
    Much cooler here at the moment but think it's going to be really hot everywhere else.
    Have a good day.
    • Calling14
    • By Calling14 21st Jun 17, 2:18 PM
    • 2,482 Posts
    • 18,459 Thanks
    Calling14
    Apologies had internet trouble at work and my tablet is having a fit at home so haven't been about since Sunday.

    Sunday was a SFD as I didn't venture far from the house, too hot.

    X_raphael_xx I thought Duncan was a Dachsund

    Monday - Spent on Flowers and pressie for daughter plus few other items food 30 pounds oops.
    Yesterday need bread and a carrot cake for tea party.

    Daughter came home, surprised me in work so good to see her. GS remembered her and ran up to her slowly at first but when he realised it was her, full speed for a big hug. Very emotional day. 18 months to catch up on soon.

    Good news got her old job back so she can save for the next trip next year to Canada I blame Kat as I told her about her.

    SFD today so hot in this office I wish I had a fan. So muggy and not even sunny now.

    Trying to set myself budgets for few days in Glasgow next week, gig paid for, just need extra train costs thought I would go up to Loch Lomond for a day, have breakfasts in hotel so pig out then. Not sure what else to do will just have walk around few places. Wish I had booked another night and could have done more. Just have to cram it in.

    Small victories got a few surveys done today. Dresses bought last week one to return as bit too cosy so cc will be reduced. Other is gorgeous.

    Grateful for
    Having all my family back for now
    Peace in office - everyone gone out and left me.
    Well my fish will have defrosted for tea - wish I had left in fridge
    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


    • apple muncher
    • By apple muncher 21st Jun 17, 4:56 PM
    • 6,303 Posts
    • 45,893 Thanks
    apple muncher
    Glad dd is back calling, safe and sound. Which part of Canada is her next destination?
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Toni'sfriend
    • By Toni'sfriend 21st Jun 17, 5:03 PM
    • 816 Posts
    • 7,285 Thanks
    Toni'sfriend
    How long are you going to Glasgow for,Calling There are a few people here might be able to give you some ideas. Loch Lomond is lovely and you're only just over an hour from Edinburgh (about £11.00 return by bus - not sure of exact fare as I get to go for free).
    • SkintTeacher
    • By SkintTeacher 21st Jun 17, 8:35 PM
    • 323 Posts
    • 1,871 Thanks
    SkintTeacher
    No NSds for me for a while - I have been eating an ice cream at lunch time a day)(oops!) but it has been sweltering with temperatures in the classrooms of my school hitting 32 degrees so I'm not going to worry about that. I'm back on my saving targets and have very little money left to spend and one more weekend to spend it in. Looking to do park trips and swim using my leisure centre card. That way I'll have saved around 25% of my salary this month which is great.
    Grateful for:
    The sunshine
    A water fight
    My lovely son
    Time to chill
    • apple muncher
    • By apple muncher 21st Jun 17, 9:20 PM
    • 6,303 Posts
    • 45,893 Thanks
    apple muncher
    Today I am grateful for not spending any money, for dd's tennis club teacher (they have also done badminton, table tennis and ball skills as they have had both pelting rain and sweltering heat during the course of the last few weeks), for a talk about a new secondary school opening soonish, for getting a workout done, for drying 3 loads of washing, for fresh bedlinen, for 10mins of tidying clearing a substantial space, for a working fridge and freezer (unlike our local aldee!), for a quick catch up with a neighbour, for dd telling me to stay an extra night when I go to visit mum.
    NST Sept scrimper #2; NSD 9; Ex 7; craft 212; remove 510
    2017 MFW#63 Pay off: £2883/£4050; 2
    017 sell 110

    Mortgage £24,331 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • cuddlymarm
    • By cuddlymarm 21st Jun 17, 9:51 PM
    • 1,087 Posts
    • 4,931 Thanks
    cuddlymarm
    Hi guys
    I've not been around much this week cos not much to tell.
    I've been doing a course (free which is good) but I'm not certain that the recruiter was totally truthful about the amount of possible jobs at the end.
    On the up side I have an interview next week in a pub ( not really what I want to do but it's money if I get it)
    A positive is that I don't need a full shop yet, just odd bits needed so that will keep money in my bank account.
    I hope everyone is coping with this heat. It's so muggy and uncomfortable here. The weatherman said we might get a storm which might cool things down but no sign yet.
    Sad I know but I'm waiting with baited breath for the new veg offers at A**i and L**l tomorrow. I have such an exciting life.
    Nice cup of tea I think
    Night all
    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
    • lcc86
    • By lcc86 21st Jun 17, 10:16 PM
    • 867 Posts
    • 2,310 Thanks
    lcc86
    NSD number 10 for me (not counting my train ticket as it's on the cc and will be reimbursed in full). Still ridiculously hot here, should be abit cooler tomorrow. Managed a workout and a walk but nothing major. Tomorrow should be the same again as I'm on training again, will try and manage a decent workout if it's cooler. Shopping is being delivered too, should be the final shop before holiday.
    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! 16/09/17 - £446 2017 365 day challenge £457 saved for emergency fund
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