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  • FIRST POST
    • thriftylass
    • By thriftylass 29th Aug 17, 3:16 PM
    • 2,993Posts
    • 24,465Thanks
    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 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
Page 15
    • dizzyblnd
    • By dizzyblnd 8th Sep 17, 9:30 PM
    • 349 Posts
    • 3,029 Thanks
    dizzyblnd
    Nsd today 4/18 im happy with that.

    If anyone wants to buy any Disney junior stuff from the Disney store I have a 15% off code JUNIOR15. May b useful for early Christmas presents. Feels like winter today. I've already got everyone's winter coats, scarfs n wooly hats.
    NST #30: nsd 19/21
    • vintagebrighton
    • By vintagebrighton 8th Sep 17, 10:06 PM
    • 536 Posts
    • 1,591 Thanks
    vintagebrighton
    Check in 8/30

    Spendy day today - took out £40 shopping money for the week. Spent £32 so have £8 for veg later on in the week.

    Had to get an urgent gp appt this morning as have a lovely flare up of eczema on my face. I wouldn't mind so much if I could cover it up but no, big, red flare up merging into an oncoming rosacea flare! Got a new emollient to try and steroid cream. I'm having a serious grump!

    Have a guest changover to do tomorrow then a couple of one nighters. My 7 night guest has cancelled which leaves a bit of a hole. I wanted to get as many nights filled as possible as I've blocked 2 weeks out for my op. Hopefully that's enough. If the nights don't get filled again maybe I can get on with the sorting that needs doing

    Anyway, no exercise.

    Me time has been listing on eBay.

    Heating not on yet

    Looking forward to the weekend

    VB x
    Food Budget ~ £120/£160
    Weight Loss Challenge ~ 38/84 NSD ~ 12/18
    • Kerry Woman
    • By Kerry Woman 8th Sep 17, 10:24 PM
    • 1,950 Posts
    • 18,412 Thanks
    Kerry Woman
    Day 8
    Was a spend day as had to put on a weekly bus pass onto my oyster and get the tv mag.
    Already told the agency I was not available for work today and they already informed the school.
    Did walk to and from where I get the tv mag and bus pass, 10 minutes each way. Exercise - 6.
    Went to the volunteer do tonight and had a good time and laugh. No spend there as refreshments were provided.
    My Mum and I had dinner at lunchtime. Left some food/drink for my Mum when I when out. Used what we had in.
    Frugal Living Challenge 2017
    Mortgage free as of 1st August 2013
    NSK September SFD 13/18 Food/Household £142.54/£150 Exercise 15
    • misstara
    • By misstara 8th Sep 17, 10:26 PM
    • 2,358 Posts
    • 16,339 Thanks
    misstara
    Spendy days today and yesterday so no NSDs to report, still on 5? (must check). Working double shifts tomorrow and Sunday so hoping for NSDs both days.

    Went for a run this morning, that was my me time for today.

    Heating still not on although it felt pretty chilly when I got up this morning. Thrifty I already have bother getting clothes dried in the flat without the heating on but I'm just trying to time my washes with dry days so that the clothes can line dry.
    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.
    • Fmess
    • By Fmess 8th Sep 17, 10:29 PM
    • 2,517 Posts
    • 23,729 Thanks
    Fmess
    SFD number 6 today. I've done 12000 steps and I'm so pleased it's Friday!
    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
    • stoplurking
    • By stoplurking 9th Sep 17, 12:52 AM
    • 348 Posts
    • 2,300 Thanks
    stoplurking
    Late check in 8/30. Lunch to work 6/21. No SFD today as it was my turn to pay for coffee. Annoyingly I forgot to buy the cards I needed so will have to do that tomorrow so that's another day lost. Ah well, it is very small amounts being spent, eg £5 today. Oh, £12 for window cleaner.
    No exercise today. Me time just vegging out, hope that's ok, it is Friday.
    Heading into the weekend quite chilled out which is good for a Friday.
    Meal plan being followed. We always meal plan, and mostly follow it, but the past few months we have not being checking it in advance so find on the day we are missing a component of the meal. This month we are trying to forward plan and make sure we get everything we need for the week in one go, as far as possible. There is some flexibility in the plan so that if plans change we can adapt.
    Gratitudes
    Made it to Friday
    Quiet weekend to look forward to
    Feeling happy.
    LBM Oct12 Debts at LBM £17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 £2160/4000 54%
    NST September Scrimper #18 SFD9/18
    • redofromstart
    • By redofromstart 9th Sep 17, 8:53 AM
    • 316 Posts
    • 1,376 Thanks
    redofromstart
    yesterday was a spending day, although only on food shopping which is quite good given that I went on a very rare trip into the city centre. Nothing I needed or wanted more than I want to have some money left in the bank at the end of the month.

    Steps ended up at over 22k, and my poor feet ache today.
    • clippy_girl
    • By clippy_girl 9th Sep 17, 9:43 AM
    • 2,220 Posts
    • 8,477 Thanks
    clippy_girl
    Morning all!

    Not checked in but been reading.

    Tuesday and Wednesday were NSDs

    Thursday I had breakfast with my colleagues for a birthday at a cafe so that was £5

    Yesterday I spent about £52 on a big shop in morrisons ready to batch cook lots this weekend. Just plugged my second freezer in ready for later. I also booked flights to Rome for next year using my holiday fund

    My food cupboards are currently empty as I discovered some weevils yest I have a double cupboard with all my food in (dry stuff in jars on bottom, tins and jars in middle and dried fruit, nuts and extra slices on top) then a single one next to it with excess stuff that doesn't fit in the jars and my tubs of protein shakes.

    So I found a cluster of weevils next to the protein shakes and a few crawling on the side but didn't appear to be any in the tubs. There was some open pasta and oats in there as well. Couldn't see weevils in those. Emptied whole cupboard and chucked everything out and washed it down. The main cupboard I only saw about 10 in and they don't appear to be in any of the jars etc. I binned the open stuff and hope its ok. All the contents are currently in the dining room as I have sprayed a load of raid in the cupboards and kept them closed for the day to fumigate. Will do daily inspections in the other cupboard once it's back in and if I find anymore I will have to bin everything. Really hope I caught them in time though

    Enough of the grossness! Today I'm going to do some painting outside and cut back the front garden. Everything is already dying and seems to have fungus on it, no doubt from all the rain then I'm having a massage. I have one each month now as really suffer with tension in my back. She is very good but it's not very relaxing! Then after I have dinner with friends which is my only social event planned until the end of the month. I'm not drinking until the last weekend so should only be around £25 for the meal.

    Have a lovely day all
    • crazy_cat_lady
    • By crazy_cat_lady 9th Sep 17, 10:06 AM
    • 3,329 Posts
    • 28,597 Thanks
    crazy_cat_lady
    Morning all
    Bagged a couple of nsd's towards the end of the week just by being too tired to do anything at all. Survived the first week back in my new role and my new classroom.
    Not much to report as I've been busy with work. I've meal planned for next week to try and get a head start.
    I was hoping for a bit of a lie in today but didn't sleep well at all. Now hoping for lots of relaxation across the rest of the day. It won't be a nsd as my online order from Mr T is due - should be most of the budget for the rest of the month grocery wise.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • vintagebrighton
    • By vintagebrighton 9th Sep 17, 11:59 AM
    • 536 Posts
    • 1,591 Thanks
    vintagebrighton
    Check in 9/30

    Another spendy day. Posting for eBay and a lamp for the guest room, all budgeted for.

    Amazingly, although the 7 night guest cancelled we have 5 of those nights rebooked already Very happy with that.

    Exercise - out for a lovely long walk before breakfast.

    Will be using freezer stuff for dinner.

    Me time - Will be this afternoon after the room turnaround, bathroom and washing.

    Have a lovely weekend everyone

    VB x
    Food Budget ~ £120/£160
    Weight Loss Challenge ~ 38/84 NSD ~ 12/18
    • clippy_girl
    • By clippy_girl 9th Sep 17, 12:51 PM
    • 2,220 Posts
    • 8,477 Thanks
    clippy_girl
    Yipee! Just managed to get my home insurance from £305 to £140! I had to buy a bed and breakfast policy last year as couldn't find a normal one that would cover me but just found out aviva will let you rent your spare room on Airbnb on normal cover
    • FurryBeastOz
    • By FurryBeastOz 9th Sep 17, 2:20 PM
    • 1,081 Posts
    • 14,284 Thanks
    FurryBeastOz
    Need to total up spends, but I lost my NSD today as I was so exhausted after 3 hours of clothes shopping yesterday that I gave up when Asda didn't have my protein shakes. (they are on offer so I'd planned my entire weekly shop around them as I don't normally shop there.)

    Anyway, back this morning. Still none. But I really had to shop today as we are away tomorrow, so I might just miss out on offer. Great YS haul though

    Tonight I must try on everything I bought yesterday and decide what to take back. I only bought 1 item not on the list, but a couple of very similar items that I wanted to see on with some of the stuff I have already. I will feel very sorry for the sales staff who work on commission if they lose it when I return so much

    But first. Gym. I'll have to see what I can manage as my arms are still aching from my first climbing session on Thursday.
    *** 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
    • ChasingSunshine
    • By ChasingSunshine 9th Sep 17, 3:45 PM
    • 90 Posts
    • 725 Thanks
    ChasingSunshine
    Shamefully sneaking back in to say yesterday ended up being a complete mess to my budget. Went for drinks after work and spent way more than planned on both alcohol and food. Paying for it today and ended up buying loads of snack food to make myself feel better.
    Money spent now, going to write it off and shuffle money around to cover it. Need to be more conscious of what I am spending as have got plans for every weekend this month and can't afford to completely destroy my budget on socialising.
    • Lauralozzle
    • By Lauralozzle 9th Sep 17, 3:49 PM
    • 408 Posts
    • 3,758 Thanks
    Lauralozzle
    9/30

    Today has been spendyas we be been food shopping. Managed to avoid the butchers all week but had to go today to get done meat in as we didn't have any. Spent £30 on 20 chicken breasts and x2 corn fed chickens to roast. I should have enough chicken to last a while now!

    We popped into Morrisons on the way back instead of going to Aldi as it was on the way (Aldi wasn't). Spent £36.20 on not a lot which is irritating- some fruit, sandwich stuff, some squid, pork, dried mushrooms and rice. My plan is avoid the shops next week full stop - tomorrow as well. I will use what we have in the house and if lunch stuff runs out so be it - absolutely no eating out for the rest of the month. Money diet will have to start full swing! My passport money came out of my account today too, I have less than I usually do at this point in the month. I think I may have been over optimistic about the £100 credit card overpayment but that's been paid for now. I don't think I'll manage an overpayment next month though as it's my Hen Do.
    Last edited by Lauralozzle; 09-09-2017 at 5:51 PM.
    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
    • Kerry Woman
    • By Kerry Woman 9th Sep 17, 4:44 PM
    • 1,950 Posts
    • 18,412 Thanks
    Kerry Woman
    9/30
    Today was a spend day as went to do the usual weekly food shop. Was £25.97. Total food spend for month now stands at £53/£150. Went to M&S today as had to get some clothing items for my Mum and brought sandwiches for tomorrow as I am going out and my Mum asked for them. Still within the food spend budget for the week. Spends all recorded in my notebook.
    No exercise today as doing a charity walk tomorrow.
    Made a fruit cake which is currently in the oven.
    Planning to watch Strictly tonight and going to be doing some reading soon.
    Frugal Living Challenge 2017
    Mortgage free as of 1st August 2013
    NSK September SFD 13/18 Food/Household £142.54/£150 Exercise 15
    • greent
    • By greent 9th Sep 17, 4:59 PM
    • 6,206 Posts
    • 62,804 Thanks
    greent
    SFDs - still 3/18. - small (just over £20) spend in smkt today + £3.50 on new PE tops for DS3. Also bought some Xmas presents (discounts/ cashback amazon vouchers/ perkbox vouchers/ cashback obtained/ used on every single one)

    Extra monies/ debt repayment - nothing today. Rent from BTL will be a week late - tenants are on holiday...... will make £400 OP when that comes in.

    Food - running total £180.27/ £450

    Eating up/ using up stuff - in the main, yes.

    Lunches taken - n/a today

    Social life - none

    Exercise - 2/3 for this week.

    Beauty - £2.73/ £10

    Time for self - plan on starting new book tonight (after I've got some of the school uniform ironing done....)

    Heating off - yep. Temperature has dropped, so I did put a throw on the bed over the 4.5tog duvet Weather is awful today (thunderstorms) so have had to resort to TD and heated airer for washing. Heated airer is stood in hall & warms up everywhere as an added bonus

    Gratitudes:
    * It's the weekend
    * discounted amaz0n vouchers
    * discounts on DS3's main Xmas present
    * YS veggies in shop
    * heated airer to use (will be going back to uni with DD, so I don't have it as a back up for much longer!)
    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
    • Sun Addict
    • By Sun Addict 9th Sep 17, 5:31 PM
    • 4,259 Posts
    • 23,341 Thanks
    Sun Addict
    Day 9 check in.

    More grocery spending today in Aldi so have now spent just over half my grocery budget for the month, will have to rein it in for the rest of the month.

    Exercise has been walking just short of 13k steps and stripping the bedroom wallpaper off. Will be some house spends this month but have a pot of money saved for that, so all planned spending.

    Still no heating on or coffee shops/cafes/pubs. Me time will be a long soak in the bath with a glass of wine and my book in a few minutes.

    Looking forward to Strictly and X Factor tonight
    Virtual Sealed Pot £612.20
    September NSD 8/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • threepenny bit
    • By threepenny bit 9th Sep 17, 6:21 PM
    • 194 Posts
    • 1,661 Thanks
    threepenny bit
    hi - am I too late? I have been lurking for a long while on the boards and am just buckling down and working on reducing debt.
    I would love top join
    Grocery challenge - $150 for Sept 81.65/150
    1st challenge to pay CC (JV1) 3250/$4250
    Work on selling items and make $100 a month for the rest of this year 36/100
    • foxgloves
    • By foxgloves 9th Sep 17, 7:49 PM
    • 3,639 Posts
    • 17,725 Thanks
    foxgloves
    Evening September Scrimpers,
    Check-in 9/30
    Still not a single SFD this month, but haven't spent even a penny that hasn't been allocated to the various 'pots' in this month's budgets.
    Beauty spends - still at £6.50/£10. I always use up every scrap of lipstick by getting the last third out with a lip brush so have been doing that today as well as turning handgel upside down to extract the last bit.
    Exercise - have exceeded my steps goal at 7456/7000 so far.
    Me time - none yet, but am going to knit, watch tv, stroke cat & chill out on sofa with partner.
    Useful scrimps: used 1kg of our homegrown tomatoes to make soup for lunch. 4 extra portions frozen. Also made golden lentil soup in slow cooker using up an ancient container of ham stock from freezer. Have frozen for cheap filling autumn lunches.
    Oooh & have paid 14 x 50ps into my sealed pot in the last 2 days.
    Ok, out with the knitting.......esp as I'm working on items to sell.
    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 = £246
    • apple muncher
    • By apple muncher 9th Sep 17, 8:04 PM
    • 6,313 Posts
    • 45,948 Thanks
    apple muncher
    Today I am grateful for dropping off 2 bags at the Sally Army, for the lovely servers in Nero's (I know, no coffee shops. Will go on ccl's sofa/naughty chaise longue), for dd loving dance classes, for the teachers both complimenting her on her dancing, for finding a Space Invaders tee shirt which'll start off dh's cmas present pile for £2, for sunshine and warmth, for a chilled out afternoon reading and watching tv, for making a decison to learn Italian, for plotting future exercise opportunities, for getting out for a run first thing before my brain had fully engaged with what I was doing.
    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
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