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  • FIRST POST
    • thriftylass
    • By thriftylass 29th Aug 17, 3:16 PM
    • 3,093Posts
    • 25,585Thanks
    thriftylass
    NST Super September Scrimping challenge
    • #1
    • 29th Aug 17, 3:16 PM
    NST Super September Scrimping challenge 29th Aug 17 at 3:16 PM
    A warm and fuzzy autumnal welcome to the NST Super September Scrimping challenge, for newbies and seasoned debt busters alike.

    (Don’t want the following to sound too harsh but I need it this month)

    September means for many getting back into the swing of new school and work routines. Also, the colder months are looming and we should maybe consider starting to get ready for winter and the festivities or at least start a wee bit of forward planning.

    The whole idea of this challenge is for you to start looking to where you WANT to be, consider why you aren’t at that point and start realising what is going WRONG. And also, I need you to help me because when I have people to answer to I won’t spend anything!

    Seriously though – you can’t save for a house if you have debt. You can’t have a new kitchen if you can’t afford the food to put in it……………. you need to get a debt free day graved in stone and start aiming for it. Enough is enough. Christmas is but 16 weeks away – are you ready for that little charmer?

    So again, I’d like to go back to basics and a few stricter rules back form NinjasavingKat’s days.


    These are the rules….. clear and simple!


    *This challenge starts on the 1st September at 00:01 and closes on the 30th September at 00:00.

    *Try and check in once a day with your progress !

    *Get a little notebook that you can fit in your bag, or a slip of paper! Write down everything you spend - good and bad!!

    *You will aim for 18 SFDs!(Spend Free Days). If purchases of “yellow sticker delights” are made without full price items this is an SFD. Medication and normal monthly DD’s or CC payments are exempt and you may class these days as SFD’s also.

    *Pay you debts and bills first, budget to live off what is left!

    *You must decide on a budget for food now. This must be stuck to rigidly until the last day of the month ! Consider how much you REALLY need to feed your family, make meal plans, limit snacking with the kids or tell them “when it’s gone that’s it until next week”. Mine is £350.

    *Try and eat everything in your cupboards and freezer BEFORE buying any more. Money spent each week will be for essentials – bread, milk and fruit & veg before buying more. Get right down to the bottom of that chest freezer, get out those nearly out of date packets of rice. Stop stock piling for Armageddon and wasting money. I don’t care if you are prepping for visitors or a “just in case” situation! (note to mainly myself: STOP SPENDING SO MUCH ON FOOD!) I need to defrost my freezer and clean my fridge so this rule will help

    *You must bring your lunch to work every day. No coffee shops, no work canteen, no cafes, no sandwiches – NOTHING. You will waste SO many precious £££’s when something better can be created at home. If you think it doesn’t matter and I won’t find out – you are right. But you are cheating yourself.

    *Plot the course of your social life now before the beginning of September. Make sure you have a budget planned for meals that can’t be wormed out of and birthdays etc. Money placed aside for holidays can be classed as “no spend days” – anything over the budget will ruin that SFD!! Cancel something you really don’t want to go to –you HAVE to start making sacrifices now.

    *Decide on your DFD!– when do you want to start doing what you want to do???

    *You will accomplish some sort of exercise per week, 3 sessions of 20 minutes anyway you want. Walk someone’s pooch, walk to work, walk around your block 5 times… anything!


    *Beauty spends are not allowed to exceed £10. That includes you boys as well. Use up all that you have in the house BEFORE spending anything more on beauty bits – seriously how many body moisturisers do you need ladies?

    *Make time for yourself this month. Even if it’s only 10 minutes a day do something for yourself whether that is going for a walk, having a bath with loads of bubbles or sitting outside with a drink – we need to make the most of the evenings.

    *Keep the heating off as long as possible, put a jumper on etc. We live in the north of Scotland in an 80s bungalow with metal windows. So it might be a challenge



    That’s it… think you can keep up?

    Contenders:
    1. thriftylass
    2. apple muncher
    3. greent
    4. DawnW
    5. determined new ms
    6. Calling14
    7. jojitsui
    8. misstara
    9. f0xh0les
    10. Tempus01
    11. 1LuckyLady
    12. cybertortoise
    13. dizzyblnd
    14. mothernerd
    15. Shakey87
    16. clippy_girl
    17. Fmess
    18. stoplurking
    19. ChasingSunshine
    20. Eager_Elephant
    21. Tjzdazz
    22. Kerry Woman
    23. FurryBeastOz
    24. Buffethedebtslayer
    25. bizzie
    26. squanderscouse
    27. Sun Addict
    28. LD_13
    29. NelliePie
    30. vintagebrighton
    31. indigowarrior
    32. crazy_cat_lady
    33. LollyPop0312
    34. foxgloves
    35. redofromstart
    36. Lauralozzle
    37. Abundant
    38. ooitsme
    39. threepenny bit

    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by MSE Andrea; 13-09-2017 at 9:13 AM.
    NST Nov 6
    SFD 3/20 spends 401/625 (98/200 xmas)
    Exercise 5/20
    Debt - all 0% 1000 to go from 5290 (80% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
Page 14
    • DawnW
    • By DawnW 7th Sep 17, 8:30 PM
    • 4,603 Posts
    • 35,356 Thanks
    DawnW
    Check in 7/30.
    Spend day today - needed to do a shop. Spent £38, but this included stuff that I don't have to buy very often, such as dishwasher tablets and fabric conditioner. Hope not to have to go again for a while!
    Also bought myself a top in a charity shop - £4.25. Hope it is suitable / fits. I find tops that I like really hard to find! I have put on weight, so that doesn't help

    Went to look round a local town with OH. We took our own picnic lunch to eat on the way back, and made our own coffee. Only spends were the above mentioned top and £1.50 for parking.

    Not much exercise, just walking with the dog, who is very slow and has to sniff everything at great length. Annoying, as he is only young, and can run very fast indeed when I let him off his lead!
    Must try to get out for a decent walk tomorrow!

    Jacket potatoes for dinner with tuna mayo made from storecupboard stuff, and salad, mostly home grown

    No heating

    Wrote down all spends in my little black book
    Food/ household/supermarket spends for November - £210.25 / £250
    NSDs for November 10/12


    • redofromstart
    • By redofromstart 7th Sep 17, 8:51 PM
    • 514 Posts
    • 2,722 Thanks
    redofromstart
    A spending day - spreadsheet updated. Petrol, windscreen wipers, milk and RTC bread/veg/chickens (freezer)

    Green thai curry using leftover chicken.

    Off to read Railway Children in the bath, for quality me time.
    • dizzyblnd
    • By dizzyblnd 7th Sep 17, 9:50 PM
    • 367 Posts
    • 3,241 Thanks
    dizzyblnd
    Check in today. Think I missed checking in yesterday. Yesterday was a nsd so up to 3/18 now. Today I had to pick up some more food shopping bits so now my food budget is 271/300 but I made some soup n stuff today for easy lunches/dinners. Fit a short run in too.
    NST #30: nsd 19/21
    • stoplurking
    • By stoplurking 7th Sep 17, 9:53 PM
    • 348 Posts
    • 2,318 Thanks
    stoplurking
    Check in 7/30; LTW 5/21. No NSD today so still on 5/18. Unfortunately tomorrow won't be either as today's coffee spend has been delayed till tomorrow.
    Spent today £25 on joining a class and getting some kit. Will cost me £60 next week which will cover for next 6 weeks, yoga class so hopefully that will count as exercise and me time, albeit spendy.
    Haven't managed to catch up with everyone. Hope all are well. X
    LBM Oct12 Debts at LBM £17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 £1193/4000 29.8%
    • Fmess
    • By Fmess 7th Sep 17, 9:55 PM
    • 2,554 Posts
    • 24,140 Thanks
    Fmess
    My post this morning doesn't appear to have saved

    Today is SFD number 5
    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
    • thriftylass
    • By thriftylass 7th Sep 17, 10:43 PM
    • 3,093 Posts
    • 25,585 Thanks
    thriftylass
    Last quick check in. Picked up my Asda order which was £72 but included loads if meat, frozen veg to last longer and make soup, and washing detergent and other household items. Will update my spreadsheets tomorrow. Found a bag of ys potatoes under a dish towel in the veg cupboard (no idea how old but looked fine, never happened before). Had the with ys porkchops from the freezer for tea.

    Got a letter from DDs nursery saying that they do the football coaching again. An unexpected £30 needed soon. Son wanted to try footie again but got cold feet again once changed. Oh well, not doing that again soon. Tried so many times now. Hopefully I can get him to go back to chess as he liked that and went before the summer break (plus it's cheap).

    Finished a book and started a new one

    Night night and see you tomorrow
    NST Nov 6
    SFD 3/20 spends 401/625 (98/200 xmas)
    Exercise 5/20
    Debt - all 0% 1000 to go from 5290 (80% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • bizzie
    • By bizzie 7th Sep 17, 11:37 PM
    • 102 Posts
    • 1,180 Thanks
    bizzie
    Check in #7/30 NSD #5/18
    Quiet day working through my to do list.
    Meals deliberately included leftovers for lunches.
    Two more laundry loads washed & dried in between showers.
    Groceries 43.37/400 Personal Spends ..../100
    NST November #11 NSDs 4/12 @05/11/17
    Goals for 2017: Balance in
    Self: Health: Wealth :
    • determined new ms
    • By determined new ms 8th Sep 17, 6:37 AM
    • 6,572 Posts
    • 37,890 Thanks
    determined new ms
    checking in 8/30 I didn't manage to do the hula hooping yesterday but I did manage 40 mins of power walking Will aim for hooping when I get in from work and have a lot of walking today so will tick that box. Already I am noticing the effects of doing exercise

    Is it tragic I'm looking forward to 2 or 3 SFDs???!

    lo over cucumber, houmous, toms and bruschetta for lunch today with fruit and yogurt.

    Have a great day - will check in tomorrow
    DF as at 30/12/16
    Wombling '16 £287.33 Roadkill £28.25
    Wombling YTD £2982.2/Roadkill £8.63
    SFDs Oct 13/15 CC saved £2372.50
    • f0xh0les
    • By f0xh0les 8th Sep 17, 7:16 AM
    • 1,030 Posts
    • 7,567 Thanks
    f0xh0les
    Found a bag of ys potatoes under a dish towel in the veg cupboard (no idea how old but looked fine, never happened before
    Originally posted by thriftylass
    I am often visited by the potato fairy. They appear all over the place. It is magic! My own fault for buying 9p YS 2.5kg bags of spuds

    Son wanted to try footie again but got cold feet again once changed. Oh well, not doing that again soon. Tried so many times now. Hopefully I can get him to go back to chess as he liked that and went before the summer break (plus it's cheap).
    Originally posted by thriftylass


    I know that one so well, sometimes I even get to the car park before he refuses to get out. They have put football on after school now though, and it is easier to get him to do stuff after school if it means not having to go somewhere else. It will come.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • thriftylass
    • By thriftylass 8th Sep 17, 9:12 AM
    • 3,093 Posts
    • 25,585 Thanks
    thriftylass
    Well, good morning, IT'S FRIDAY!!!!

    Did my numbers and spend 178/350 on food so far, 20/50 on HH and 74 on other things (paint, day out), so total of 273/400. This will be tight :0.

    Better get meal planning to make the most of what we have in an efficient way and we have plenty just now. Might make a big batch of soup again this weekend.

    Heating is still off but will soon come to the time where it takes ages to dry the washing because of the cold humidity up here. We'll see. Not yet.
    Last edited by thriftylass; 08-09-2017 at 1:40 PM.
    NST Nov 6
    SFD 3/20 spends 401/625 (98/200 xmas)
    Exercise 5/20
    Debt - all 0% 1000 to go from 5290 (80% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • thriftylass
    • By thriftylass 8th Sep 17, 9:15 AM
    • 3,093 Posts
    • 25,585 Thanks
    thriftylass
    I know that one so well, sometimes I even get to the car park before he refuses to get out. They have put football on after school now though, and it is easier to get him to do stuff after school if it means not having to go somewhere else. It will come.
    Originally posted by f0xh0les
    The problem is also there is only limited things he can try as we both work full time. The school does loads of things but they're 3:30 to 4:30 and loads of council and private clubs start before 5, why? It all seems to be geared towards one parent not working. Weekends are kind of a no go either because that's family time or we go and visit friends and relatives. We'll see. Sorry, rant over
    NST Nov 6
    SFD 3/20 spends 401/625 (98/200 xmas)
    Exercise 5/20
    Debt - all 0% 1000 to go from 5290 (80% paid off)
    DFD 2/2018 Mortgage 109343 (04/17) 16 years left
    • NelliePie
    • By NelliePie 8th Sep 17, 12:50 PM
    • 91 Posts
    • 303 Thanks
    NelliePie
    Hi all, a NSD today so far,

    I was tempted by the smell of bacon from the canteen this morning, but I resisted as I came prepared with home made cookies (last night's me-time).

    I'm not counting it yet as I'm not sure what the plan is with the in-laws tonight.

    Foxgloves, Well done on coming home from holiday with money still left in the budget!
    When life gives you lemons, find the tequila!
    MFW: FTB June 2017 £144k. Target 128k June 2019
    • Calling14
    • By Calling14 8th Sep 17, 2:24 PM
    • 2,506 Posts
    • 18,596 Thanks
    Calling14
    It's Friday folks

    Yesterday spent £11.00 on hair dye( 2 packets) know its over £10 beauty items but will last me up to Xmas hopefully now. Hope I get let off the naughty step for the extra £1. I did small food shop £5.75 for essential veg and milk. Morrisons veg seemed cheaper then lidlees

    Today alone in office, went for a walk lunchtime bumped into some friends off to lunch in Wethers I refused but then did walk along beach and got a coffee and a cake.£3.30 spent and watched lots of fit men in wet suits However got 6K steps in and really didn't fancy my frozen soup back in office.

    No plans for the weekend was going to wine tasting but phew its been cancelled.

    Grateful for
    Friday so tired today, hemmed curtains all last night.
    Lovely walk along seafront, waves crashing along
    Sunshine when rain was forecast today.
    LBM 13039 1.1.13 NOW £1040
    PAYDBX 2017 #16 £3260 /£4300 DFD 12/17
    E
    Fund #9 £100/£1,000
    1 x 100 days challenge £1161.71/2000 ends 29/12/17


    • greent
    • By greent 8th Sep 17, 6:33 PM
    • 6,409 Posts
    • 64,749 Thanks
    greent
    SFDs - 3/18. -not achieved one today - OH had to order a replacement valve for our shower @ £90!!!! as it's running cold. Won't be here until mid week and he is working away - so looks like I'm either having baths and washing my hair there (we have a shower/ bath tap thing) or showering in the boys' bathroom! I also went food shopping (just over £30) and had to pay for some school items and a club @ £150 total

    Extra monies/ debt repayment - just under £50 cashback claimed in Amazon vouchers towards Xmas - and £50 therefore transferred to kitchen fund

    Food - running total £157.62/ £450

    Eating up/ using up stuff - yep - the last of the defrosted cooked chicken eaten today!!!

    Lunches taken - yep.

    Social life - none

    Exercise - 2/3 for this week.

    Beauty - £2.73/ £10

    Time for self - still lacking. Will do better next week when things are more settled (ETA: - did manage to finish off a book in bed with an early night before crashing out )

    Heating off - yep. Still mild. I'm cold, but that's because I'm overtired (awake 3.15 -5.40ish - alarm goes off at 6.04....)

    Gratitudes:
    * It's Friday
    * It's Friday
    * It's Friday
    Last edited by greent; 09-09-2017 at 11:26 AM.
    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) £5034/£3286
    Net sales 2017 £1214.99/£500 PAYDOX17 £11937/£10k Decluttered 1730/2017 items
    • Sun Addict
    • By Sun Addict 8th Sep 17, 7:04 PM
    • 4,616 Posts
    • 26,339 Thanks
    Sun Addict
    Happy Friday

    Check in days 7 and 8 as fell asleep on the sofa last night before posting!

    Yesterday was big online grocery shop day, so far £185.26/£400. Got a £10 off £100 spend from Mr M, didn't intend spending that much but bought some things that I would've bought in next week's shop so will be a much smaller big shop next week. Then I get 10% staff discount as DD works there.

    Today was SFD 4/18.

    Exercise walk to work and back plus 30 minutes in work gym at lunchtime.
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • Lauralozzle
    • By Lauralozzle 8th Sep 17, 7:14 PM
    • 439 Posts
    • 4,128 Thanks
    Lauralozzle
    Wednesday - was not a NSD as OH really wanted a takeaway. It's come out of the entertainment fund so not the end Of the world but I was on track for a NSD before that!

    Thursday - was a NSD - only got yellow sticker goodies from Asda after work in the bakery item as we were out of bread.

    Friday - today hasn't been a NSD - got up too late today (didn't hear the alarm) and went to sleep early last night as I fell asleep on sofa so didn't make lunch. Spent £4 in Greg's.

    So, I'm only on 3/18. I need to really try to cut back on unneeded spends next week. Will try not to spend anything at all in the week and make sure I get everything I need on the weekend when we go to shop.
    October grocery challenge £150.54/£200 | October cleaning budget £75.16/£75 | October NSD 10/15
    Credit Card: £220 (0%) | Car Finance: £8,240 (7.9% APR) | Mortgage: £111,684 (3.99% APR)
    Wedding Fund: £3,564.74
    • foxgloves
    • By foxgloves 8th Sep 17, 7:24 PM
    • 3,704 Posts
    • 18,258 Thanks
    foxgloves
    Hi September Scrimpers,
    Check-in 8/30
    First full day back home after camping trip & some useful stuff achieved (I post on the DFW daily thread too, so shan't re-list everything).
    Not a SFD. Did our grocery shopping for next week, which came to about £30. Only need to get coffee & veggie stock cubes tomorrow, so will be well under our target spend of £46 this week. Defrosted freezer & made a new detailed list of everything in there. We've prioritised this plus home-grown produce for the coming weeks meal plans.
    Also paid cat's cattery fees for the few nights we were away.
    Took lots of blackberries out of the freezer & made various things with them, the main one being 10 jars of blackberry & pear jam. I'll use 2 or 3 jars for gifts.
    Exercise - I won't hit my goal of 7000 steps today. I've been really busy & have barely sat down, but my activity hasn't been very step-based, so I think I'll only be up to 5000 or so steps in total by tonight.
    Beauty spends - £6.50/£10
    Me time - Planning to have a long soak in a hot bubble bath & catch up on some TV programmes.
    Enjoy your Friday nights, all.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = £120
    Payment received from surveys: 2015 = £320 2016 = £210 2017 = £294
    • mothernerd
    • By mothernerd 8th Sep 17, 7:42 PM
    • 2,154 Posts
    • 22,073 Thanks
    mothernerd
    Spendy day for me. Most of it on the business account though. Had to pay a fine at the library - had the books ready to go yesterday, but then in the panic of having forgotten to book mum a taxi, couldn't get through to either her (engaged) or the taxi office and went round in person (did not want to send another taxi if she had already ordered one) I ran out of time.

    Having lost the SFD I decided to buy a few things which have been on the list for a while. Whilst going the accounts for several years I discovered the printer we have was bought early in 2009, so overdue for retirement. DS3 was using it as a scanner but the ink cartridges were empty. Replacement cartridges cost £35 - £40 and the shop is selling new printers for under £30, so buying new cartridges in the hope that it still works (I remember it being a bit hit and miss for ages) is a bit of a gamble.

    I took my own 'advisors', DS3 joined in when the staff could not find the right cable for a customer (one end was right but not the other). They didn't have one so he told them who did (staff were advising other places to try).

    Resisted the urge to buy new storage even though DS3 kept patting things and commenting on their 'usefulness' (if I'm the one buying) but (Stationery sister, where are you) I did give in to a set of pushpins in the shape of turtles. Also bought next year's diary. Mum already has a couple of appointments for next year and I was considering buying a mid-year one but then thought why waste time transferring information now and then re-doing it in 4 months. Diary is a page to a day so should be ample for shopping, spending and to do lists (rather than the multiple bits of paper that are floating around at the moment.

    As we were having a taxi back, I did another bulk buy of toilet rolls (for me and mum) and made the trolley up to use a £2.50 off £25 voucher. Borrowed the trolley to wheel the stuff through the market (an unplanned 5kg bag of fresh onions went in at the last minute. They both made purchases in the market - Beloved bought skirt beef to make beef jerky, DS3 bought cooked sausages and ate them.

    Came home and am steadily working through the paper mountain.

    Today I am grateful for bargains (only a bargain if you need it), finally having a working printer (getting very frustrated as I have 3 embroidery patterns downloaded and about 3 dozen marked on pinterest and can't work for long using the pattern on screen - can get on with my C****mas present list and DS1's house warming present now) and feeling more awake and on top of things.


    The bit below was actually near the start of the post but got lost


    Have done my accounts by hand but have downloaded suitable apps to type them up (and can now print them), washing has been done and dried, ate leftover pizza for meals, took books and charity donations to the library and got new books
    Last edited by mothernerd; 08-09-2017 at 7:45 PM.
    Building a rainbow of happiness and joy
    NST Nov #9 SFD 7/20 Food £31.50/£100 Travel £2.50/£10 DIY £/£30Debt free and EF January 2016 No mortgage Progress through plodding, baby steps and purposeful pottering
    • apple muncher
    • By apple muncher 8th Sep 17, 8:00 PM
    • 6,521 Posts
    • 47,703 Thanks
    apple muncher
    Today I am grateful for a quiet day, for not being overambitious with how much shopping I could carry home, for my neighbour the bus driver being the bus driver on the bus I caught home, for really not being tempted by all the things in the shops (only aldee and icyland, mind!) that were not on my list, for Time Team on the telly as I sewed, for a much needed sort and clear with dd of clothes and shoes and coats, for my attempt at fish pie being quite edible, for the prospect of not having to wake up at 6 tomorrow.
    NST November #; NSD 3/17; Ex 2/12; craft 1/30 (247); remove 578
    2017 MFW#63 Pay off: £3415/£4050; 2
    017 sell 116

    Mortgage £23,689 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • DawnW
    • By DawnW 8th Sep 17, 8:05 PM
    • 4,603 Posts
    • 35,356 Thanks
    DawnW
    Check in 8/30 (do others think the month is going really quickly )

    SFDs
    - 1/18. Not achieved today. Found more bits off my 'wanted' list and spent £6.75. No grocery or pet food spends. All spending recorded in my little black book

    Eating up/ using up All food at home / from what we have in, including homegrown veg, fruit and salads

    Exercise - Walked a couple of miles in the rain, carrying a heavy bag one way (library books to return, and items to restock my sales unit)

    Heating Still off.
    Food/ household/supermarket spends for November - £210.25 / £250
    NSDs for November 10/12


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