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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 20
    • Fmess
    • By Fmess 12th Sep 17, 9:29 PM
    • 2,555 Posts
    • 24,157 Thanks
    Fmess
    It's funny, I love all the things about autumn and winter and yet mentally it's always when I struggle most with depression. I'm currently loving drawing the curtains and snuggling under a blanket in the evening in fleecy pyjamas.

    SFD number 9 achieved today

    I've been using up food the last few days - meatballs and rice for the past two nights and bolognese on leftover roast potatoes for lunch yum

    Lots of dog walking and walking about at work so I'm getting my 11,000 steps easily each day
    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 12th Sep 17, 11:03 PM
    • 348 Posts
    • 2,318 Thanks
    stoplurking
    Hi all

    Check in the 12/30. Finally got another SFD today. Lunch to work 7/21.
    Me time- a good catch up with my friend. Exercise-hmm. Not so much.
    Sticking to meal plan, OH having leftovers for lunch, using up what we've got. This challenge is helping me to stay focused so, thank you Thrifty.
    LBM Oct12 Debts at LBM £17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 £1193/4000 29.8%
    • bizzie
    • By bizzie 12th Sep 17, 11:26 PM
    • 102 Posts
    • 1,180 Thanks
    bizzie
    Check in #12/30.
    Still at NSD #9/18
    Finally managed to process the online payment so I did.
    Still within my overall budget but general spending category has taken a hit whilst restocking my stationery supplies for back to school.
    Grocery deliveries(!) arrived one had a couple of items out of stock but can get by without.

    Heating still off - not been cold enough to kick in and slowly getting to the bottom of the laundry basket and getting it dry without resorting to either dryer.
    Groceries 43.37/400 Personal Spends ..../100
    NST November #11 NSDs 4/12 @05/11/17
    Goals for 2017: Balance in
    Self: Health: Wealth :
    • threepenny bit
    • By threepenny bit 13th Sep 17, 4:17 AM
    • 206 Posts
    • 1,694 Thanks
    threepenny bit
    check in - NSD again today
    Found out also that my health insurance is going to pay part of my medical expenses for some equipment I had to buy; they are covering 3000 which means I can whittle down most of the debt on cc1 - made my day!
    Made chicken pasta bake and aded loads of veggies, had it for tea and put 4 portions away for lunches to take to work. Made chicken salad for dinner tomorrow for hubby and I and made sure our lunch bags were ready in the fridge.
    Nothing much else for the day as I was at work - tired and ready for an early night now. x
    Grocery challenge - $150 for Oct 0/150 NSD 6/18
    1st challenge to pay CC (JV1) 0/$1850 updated
    Work on selling items and make $100 a month for the rest of this year /100
    • ChasingSunshine
    • By ChasingSunshine 13th Sep 17, 7:04 AM
    • 101 Posts
    • 864 Thanks
    ChasingSunshine
    Morning,

    We made Martins weekly newsletter!!

    All prepared for the day and all set for a NSD - lunch, snacks and drinks all in my bag and a freezer dinner defrosting for this evening. No excuses. Have planned to meet an old work colleague for a walk / jog this evening which could be interesting as she is much fitter than me but a good excuse for a catch up.
    • apple muncher
    • By apple muncher 13th Sep 17, 8:13 AM
    • 6,537 Posts
    • 47,828 Thanks
    apple muncher
    Yay to being in the newsletter!
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • thriftylass
    • By thriftylass 13th Sep 17, 8:59 AM
    • 3,093 Posts
    • 25,585 Thanks
    thriftylass

    Heating still off - not been cold enough to kick in and slowly getting to the bottom of the laundry basket and getting it dry without resorting to either dryer.
    Originally posted by bizzie
    I had to admit defeat this morning. Rainy and cold here, the previous washing isn't dry yet and a new one is in the machine. The living room was 15 this morning. So I stuck the heating on a timer to just to take the chill off twice a day. Checked my energy bill yesterday and we're £100 in credit so that gave me some peace of mind too.

    check in - NSD again today
    Found out also that my health insurance is going to pay part of my medical expenses for some equipment I had to buy; they are covering 3000 which means I can whittle down most of the debt on cc1 - made my day!
    Originally posted by threepenny bit
    Fantastic news

    Morning,

    We made Martins weekly newsletter!!
    Originally posted by ChasingSunshine
    YAY


    Good morning,

    Another NSD in the bag and got a few things done last night. The tomato plants went on the compost heap (managed to kill my seedling twice hence they started late and didn't produce much). Got some wall painting done, homework (definitely increasing now in P2) and some dinosaur crafting with the kids.

    DH might have to go away for work for two weeks next month but just imaging the amount of money I could save on food and beer and how much stuff I could get done (always get more done when he's not in despite having the kids ).
    Last edited by thriftylass; 13-09-2017 at 9:24 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
    • f0xh0les
    • By f0xh0les 13th Sep 17, 2:20 PM
    • 1,037 Posts
    • 7,622 Thanks
    f0xh0les

    DH might have to go away for work for two weeks next month but just imaging the amount of money I could save on food and beer and how much stuff I could get done (always get more done when he's not in despite having the kids ).
    Originally posted by thriftylass

    Yep, me too, I have been drilling 'oles and putting up shelves, rearranging furniture and leaving vinegar in the loos so they are suddenly sparkling again. Must be something to do with being bored out of my brain with no-one over the age of consent to talk to
    Even the carpet is hoovered and the shoes are neatly in a line in the hall. Good job he comes back on Sunday or it might become a habit, or a neurosis.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • Calling14
    • By Calling14 13th Sep 17, 2:39 PM
    • 2,507 Posts
    • 18,601 Thanks
    Calling14
    threepenny bit - good news woo hoo.

    Didn't get most of my jobs done yesterday.
    Managed 11.5k steps.
    Cleaned kitchen as new storage jars arrived, so started on more cupboard cleaning. Amazing what you find!
    Ordered a bread bin to match today as my other one looked dire compared to the shiny new storage jars. Didn't get milk yesterday so wee shop on way home tonight and to be honest I can not bear the thought of more rubber chicken for my tea. So lidlee's here I come. Fish would be nice.

    Lacking in energy today, couldn't sleep last night don't think it was the storm had worse, just worrying about my fence across the drive coming down, post is rotten and finding impossible to get someone to do such a small job.

    Will tackle more kitchen tonight, need to wash walls above wall units, look grubby not sure cobwebs or grease. Fun nights.

    SFD's I am officially rubbish at them this month, need petrol as well.
    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 £1366.71/2000 ends 29/12/17


    • greent
    • By greent 13th Sep 17, 5:03 PM
    • 6,427 Posts
    • 64,871 Thanks
    greent
    Day 13
    DAwnW - love the 'before' description of your dog!

    Lolly Pop - how about chilli, bolognaise (as is or to be turned into lasagne), ratatouille with chicken in it (known in our house as 'Spanish chicken' - I know not why!), curry (maybe mild if you are feeding the baby - I remember my daughter's nappies after I first ate a spicy curry after having her! ), cottage/ shepherd's pie.

    threepennybit - great news about your health insurance covering some of those medical expenses


    DAY 13

    SFDs - now 7/18. - another one achieved today. Always easier when the children are at school (and when OH isn't here! )

    Extra monies/ debt repayment - nothing today.

    Food - running total £185.21/ £450

    Eating up/ using up stuff - yep. All meals from home stuff today. I've baked bread and DD has made up a gluten free choc cake mix brought back from her uni flat into cup cakes. We added 1/2 bar of A1di cheap milk choc chopped up into small bits into the mix. Slightly weird taste but DS1 likes them, so they will all get eaten! (I suspect I'll have to freeze a few, though) And it used up a bunch of odd cupcake cases (I have lots of cake cases - I tend to make 'big' cakes nowadays in the main - will have to use some up for PTA baking )
    Oh - DS3 and DD even drank the bottle of coloured water used for 'Marvellous Medicine', so even that wasn't wasted

    Lunches taken - 3 x packed lunches for children today.

    Social life - none

    Exercise - 2/3. Have achieved min 10K steps every day this week.

    Beauty - £2.73/ £10

    Time for self - read a few chapters last night of book. Will do the same tonight. Today I also caught up on H0lby (whilst ironing )

    Heating off - yep. Quite mild today - when it's not been raining! Crazy weather, going from bright sunshine to pouring down to back again in 20 minutes. Got a small load of washing mainly dry outside until it started raining - aired it off to finish. Winds were high overnight - lots of fruit blown down from the trees - so have collected it up and will use for chutney. Also picked some of the remaining larger specimens for eating as is

    Gratitudes:
    * feeling generally content
    * mainly sunny weather today
    x
    Last edited by greent; 13-09-2017 at 8:34 PM.
    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 £1221.45/£500 PAYDOX17 £11937/£10k Decluttered 1730/2017 items
    • DawnW
    • By DawnW 13th Sep 17, 5:46 PM
    • 4,610 Posts
    • 35,400 Thanks
    DawnW
    Day 13/30
    Managed a SFD today
    Nothing to write in my little black book
    Walked a couple of miles, maybe more, post office and dog walks
    Started autumn tidy up in the garden
    Using up - quiche in oven, bolognese on hob, to use up various bits from the fridge and freezer
    Will rinse out handwash bottle under running water in lieu of bath foam tonight, before the bottle is recycled
    Leftover chicken and ham pie for dinner tonight
    No heating
    No social spending
    No beauty spends
    Nothing spent at all
    Food/ household/supermarket spends for November - £223.90 / £250
    NSDs for November 10/12


    • determined new ms
    • By determined new ms 13th Sep 17, 6:08 PM
    • 6,571 Posts
    • 37,890 Thanks
    determined new ms
    Hi check in 13/30

    SFD 5/18 Bread & butter running very low but might be able to squeeze an extra SFD before getting these

    Exercise - don't feel like I made it. I did do 2x 10 mins power walking. Actually forgot I was at the lottie for a couple of hours, did at least 45 mins digging & hoeing. Might do some hula hooping after dinner...

    beauty spends still zero I must be beautiful enough!

    tonight for dinner we have a rice bake thing using up a load of hg veg & I dug out some diced and cooked turkey for the meat eaters - it was supposed to be a pasta bake but run out of pasta!

    Me time - kinda the allotment but as it is sustenance I kinda feel although I love it, it doesn't quite hit the self indulgence I'm after! going to have a long soak in the tub & read my book and a facial & pedi

    Not even crossed my mind to put the heating on!
    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
    • Kerry Woman
    • By Kerry Woman 13th Sep 17, 7:01 PM
    • 2,027 Posts
    • 19,252 Thanks
    Kerry Woman
    Day 13
    Managed another SFD today 7/18
    Did the usual 20 minutes walking, brought lunch to work, read my book and using food already in.
    Had fun getting home from work - took me nearly 2 hours. Go by bus as it is cheaper. So going to take it easy again tonight. Going to catch up with a few bits around the flat.
    Last edited by Kerry Woman; 13-09-2017 at 7:32 PM.
    Frugal Living Challenge 2017
    Mortgage free as of 1st August 2013
    Bonfires and fireworks - NST November challenge NSD 10/20 Food/household budget £58.19/£150
    • vintagebrighton
    • By vintagebrighton 13th Sep 17, 7:28 PM
    • 540 Posts
    • 1,640 Thanks
    vintagebrighton
    Check in 13/30

    Another slightly spendy day even though I intended not to spend. I found some lovely, hand crafted gifts that were perfect for my friend's Christmas pressie so I got them. I have Christmas money put away so it is budgeted in a way.... Then, as I'd lost a NSD I bought the eggs we needed today instead of tomorrow. That's the last of the shopping money till Friday so I'm expecting tomorrow to be spend free as my purse is empty

    Exercise - none (shamefully)

    Forgot about beauty spends (thanks determined) - none (yet)

    Heating - still not on but it's raining and chilly this evening. Hope my guest doesn't shiver

    No social spends - I don't have a social life!

    Me time - Crochet and Masterchef later

    Keep warm scrimpers!

    VB x
    Food Budget ~ £160/£160
    Weight Loss Challenge ~ 38/84 NSD ~ 16/18
    • foxgloves
    • By foxgloves 13th Sep 17, 7:32 PM
    • 3,705 Posts
    • 18,270 Thanks
    foxgloves
    Evening all,
    Progress report:
    Check-in 13/30
    SFD 3/18
    Beauty spends £6.50/£10
    Exercise goal - no, not today. Will be about 2000 steps short of target.
    Me time - not yet. V stressful day.
    Useful scrimpy activity: Plenty of flour in the pantry so baked bread rolls instead of buying. Turned 1 kg homegrown tomatoes into lovely soup for our meal tonight (with the warm bread rolls) & have portioned up the rest for freezing.
    F
    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
    • Lauralozzle
    • By Lauralozzle 13th Sep 17, 7:44 PM
    • 439 Posts
    • 4,128 Thanks
    Lauralozzle
    Managed another NSD so I'm at 6/18. I remebered to go to the bank and put the cheque in. I only have a week and two days at work before I'm off for a week (not that I'm counting). I had another short-ish day at work - although I would really like to build up some flexi for another day off down the line so will have to stay behind one of these days!

    Took lunch in today and used up some cupboard supplies for dinner. The heating is still off too.

    I'm grateful for my bed. I think I'll have an early night tonight.
    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
    • apple muncher
    • By apple muncher 13th Sep 17, 7:58 PM
    • 6,537 Posts
    • 47,828 Thanks
    apple muncher
    Today I am grateful for a morning walk in the sunshine, for buses turning up when needed, for missing all the downpours, for getting my prescription, for dd going happily in to school, for a good day at work, for seeing some of the pupils making great progress, for visiting a sch yesterday and easily making the decision that dd is not, no way, never ever EVER going to go there, for some more bunny sewing up, for a good book to read.
    NST November #; NSD 10/17; Ex 9/12; craft 19/30 (247); remove 601
    2017 MFW#63 Pay off: £3484/£4050; 2
    017 sell 174

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • greent
    • By greent 13th Sep 17, 8:36 PM
    • 6,427 Posts
    • 64,871 Thanks
    greent
    for visiting a sch yesterday and easily making the decision that dd is not, no way, never ever EVER going to go there,
    Originally posted by apple muncher
    I can tell that you really liked it....

    Hope you find the 'right' one for her 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) £5034/£3286
    Net sales 2017 £1221.45/£500 PAYDOX17 £11937/£10k Decluttered 1730/2017 items
    • Sun Addict
    • By Sun Addict 13th Sep 17, 8:38 PM
    • 4,547 Posts
    • 26,606 Thanks
    Sun Addict
    Day 13 - spend day today on bread, bananas and cat food. Also paid for the work Christmas meal, could've just paid £5 deposit but decided to get the whole £20 out of the way.

    Exercise was 19553 steps which included 30 minutes in work gym at lunchtime.

    Still no heating on
    Virtual Sealed Pot £671.22
    November NSD 5/12
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • bizzie
    • By bizzie 13th Sep 17, 9:08 PM
    • 102 Posts
    • 1,180 Thanks
    bizzie
    Check in #13/30
    Now at NSD#10/18
    Attempting to get on top of household jobs. Have found the dining table under the piles of paperwork.
    Feeling the cold today but have resisted putting on the heating.
    Groceries 43.37/400 Personal Spends ..../100
    NST November #11 NSDs 4/12 @05/11/17
    Goals for 2017: Balance in
    Self: Health: Wealth :
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