September's Step-Up!!!

NinjaSavingKat

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:T:T:TSeptember’s Step-Up:T:T:T

Now on Facebook.... http://www.facebook.com/ninjasavingkat

Get clued in to your ultimate goal
step-up to the game
…..and claim back YOUR life!!!

***This Challenge is now closed to new participants. Please feel free to "lurk" and see how it's done - then get your name down ready for next month***

Right! It is three months to the end of the year and my debt free date is getting closer and closer. Am I worried? Yes a little bit to be honest. Once payday hits on Friday and the next lump is knocked off I have three pay-packets to ensure a nice rounded £4135 is gone by the end of December. I work weekends, I don’t go out, I have no new clothes – but will it be enough?

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 need to consider how much money you owe to other people before having a baby and embracing the money that little dumpling would cost, 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 118 days away – are you ready for that little charmer?

I want to encourage a REVOLUTION! Where people like you start claiming back their lives from the constraints the banks put on us. The interest alone on some loans could pay for a comfortable few days out… why are we happy to live like this? Do you want to start another year living in debt and living in fear of the debt collecters…?

Or do you want to claim back YOUR life?



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.

• You must check in once a day with your progress. **NEW**

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

• You will aim for 18 SFD’s (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.

• 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 £100.

• This is the best rule yet – 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. STOP SPENDING SO MUCH ON FOOD!

• You must put aside £3 out of your food budget which will be spent on basic items and dropped to your local food back. You have no idea how much this will help someone. Check out their “most wanted items” before wasting that £3.

• 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 Dove – it’s the same as shower gel. 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?

• Cut out alcohol. For the entire month.


That’s it… think you can keep up?

***Please add your name on a post only. Comments and budgeting chat will start on the first of the month. Please DO NOT re-post the entire initial thread indicating what you can and can't do - please just leave your name for now to prevent this thread getting to long unnecessarily ***

NinjaSavingKat

Saved for contenders...

***For those already signed up please have a look above - two new rules have been added***

1. NSK
2. Jonesy88
3. Mrso2b
4. Gretchen2012
5. Bublin1
6. Superdopsa
7. Debtfreeju
8. Loveadove
9. Andrar
10. Livingagoodlife
11. LadyMay
12. CrazyCatLady
13. Mr.Cobes
14. Little Miss_Sunshine
15. Hotmama
16. BeckyBoo1980
17. Siouxsie32
18. Anniebox
19. Lotti379
20. Debtstogo_Housetosavefor
21. Shelbi
22. Fyggy
23. Judi24
24. Wannabe_in_Credit
25. Calling14
26. Lillian1977
27. Abundant72
28. LittleSkintDragon...(baby Dragon due any day now!!!)
29. ThriftyLass
30. LittleMissKitty
31. BigBeff
32. HollieinBloom
33. Azlan
34. Happybeingme
35. Liliyanna
36. Pinkylds
37. DeterminedDiva
38. Taranaman
39. BrizzleDFW
40. Funkyfishstar
41. Roxy7699
42. Yorkshirelass
43. CouldSaveMore
44. MrsToast
45. Hohohonathansmum
46. MagicLily
47. PenniesFromHeaven
48. Moneymash
49. Calling14
50. MountainMum
51. SketchingKari
52. SpecialKaye
53. Angelpye
54. Little-Miss
55. Maddie57
56. StressedSteph
57. JazzyJetLaw
58. CottageRetreatist
59. Chickadee
60. Jellyjacks
61. Zoominov
62. CountingSheep
63. Sammir85
64. Webitha
65. GoingForward
66. KarmasChiLoveThing
67. Nanell
68. CraftyAli

Jonesy88

sign me up! sign me up!

mrso2b

Please can I join?

Mrso2b

Gretchen2012

Count me in. Back and ready to go.

Bublin1

I'm in.
I need to save as much cash as i can in the quickest time that I can!

Superdopsa

Can I join please? Been lurking on the sidelines for a few months now and think I need to join in if you will have me.

debtfreeeju

This sounds horrific. Count me in.

LoveaDove

Me! Me! Pick Me! Me! Me! (Please )

andrar

I'm in NSK

Living_a_good_life

I'm in tooooooo - ta very muchly!!


Edit - just read the rules - cut out alcohol and 3 x 20min of exercise per week!! What Have I done...... never put your name down before reading the small print :eek::eek:

Kat have you ever thought of life coaching or running a CAP money course????