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NST: September: the Turtles go Wombling

edited 30 November -1 at 1:00AM in Debt-free Wannabe Challenges
528 replies 34K views
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  • crazy_cat_ladycrazy_cat_lady Forumite
    6.9K posts
    Fifth Anniversary 1,000 Posts Photogenic Debt-free and Proud!
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    I'm excited to get started with this.... Really quite looking forward to it. :D
    NST January #24 NSD = 10
    Working hard to pay off my debt
    Time to take back control
  • Hi I'd like to join please �� I am aiming for 15 NSDs, 29 alcohol free days and 20 take meals to work days for September. If I can lose some weight that would be a bonus! Long term I want to have reduced my debt by £3,000 in the next year.

    I need to debt bust and stop the metaphorical albatross from throttling me. I'm actually really excited about sorting myself out! ��
    I am officially debt free! Debt paid: £18,600 Current Savings: Pot 1 £300 //// Pot 2 (premium bonds) £3,800 :T:j
  • nannygladysnannygladys Forumite
    1.5K posts
    Ninth Anniversary 1,000 Posts Combo Breaker Photogenic
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    Well I've decided to go for 15 sfd, use a new notebook and record all spends because I've noticed a few spends on my debit card that shouldn't be there!!! I should have used cash ie fuel (now I know why I had some money left!!) And after I have taken out my monthly money I will give my debit card to my dd so I can't use it.

    I also have to decide my goals, one is to get £5000 in my emergency fund and the same in savings but I also want to live, so I will have to work at one

    Nannyg
    Frugal challenge 2021
    Saving £1 a day 290/365
    Emergency fund 70/1000 - very slowly increasing!
  • abundant1972abundant1972 Forumite
    1.4K posts
    Ninth Anniversary 1,000 Posts Photogenic Debt-free and Proud!
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    Hi everyone!!!

    Awesome thread Applemuncher!!! Sign me up! I'll come back later today to set targets and stuff...

    Hugs :D x
    Current Debt = £7800.00 : DFD = May 2023 (@ £300 p/m)
    Follow your heart & be true to yourself always
    A Month Ahead = **Achieved**
    NST March: Groceries/Spends: £5 per day = £155.00 for March : NSD = 8/15
    Be kind to myself - Eat well - Exercise - Be mindful
  • apple_muncherapple_muncher Forumite
    11.8K posts
    10,000 Posts Seventh Anniversary Name Dropper I've been Money Tipped!
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    And we're off...

    My end goal is in my siggie - to pay off the mortgage by the end of 2018, 40 payments to go. I am toying with the idea of trying to get it done even earlier, to hit significant birthday months, but that would require another 4 or 7 months less, which may be too much. So, I am overpaying as much as possible each month. The ultimate goal is FIRE - financial independance, retire early.

    My motivation is my dh and my dd. I want him to have choices as he gets older and not have to work so hard. I want financial security for dd - who has told me that she is never leaving home...


    Welcome to September!
    NST April diamond #9; NSD 2; Ex 7

    Mortgage £300 ish (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate: very soonish
  • BobarellaBobarella Forumite
    10.8K posts
    Savvy Shopper! I've been Money Tipped!
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    Good Morning Turtles

    Up and at em!! So glad that it's not raining today. I feel uplifted looking out at the clear morning. Have a standard 9 to 3 day at the shop today then have to go for a whooping cough jab tonight as they now give that to all pg women because whooping cough is apparently on the rise in London and this way it keeps the small babe's safe before they reach the age for first jabs.

    OH is off work till Friday to cover the last few days childcare before school restarts for a half day on Thursday. So they are off swimming this morning.

    Most of the big payments go out today although the mortgage on the flat we own and rent out doesn't go till the 6th so I am always a little bit wary about too many big payments till then.

    I may be able to make my PAD today via tips or one of the shopping apps paying out. Having managed to pay off £702 in august I really want to make my extra payments this month too.

    Bob
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • FmessFmess Forumite
    2.9K posts
    Seventh Anniversary 1,000 Posts Photogenic Combo Breaker
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    Wow apple, you're flying through those mortgage payments!

    Congrats toons on paying off so much last month bob!

    Today will be a spending day as I'm getting my hair cut and need to do the big shop for the month. Unfortunately whilst I was away my shower broke so I also need to buy a new one of those :( Luckily I started an emergency fund last month so should have enough to cover it and the people who were house sitting for me have offered to fit it :) Also as I'm going to the hairdresser, she will wash my hair so I can cope without a shower for a few days and if necessary will just was in the big kitchen sink (I have no bath :( )

    Hope you all have a lovely start to the month, I'm excited to go back to school tomorrow or though I'm sure I'll be regretting saying that by the end of the week!
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New roof and car £8557/£19003 New kitchen £396/£5039 Credit card Paid Student loan Paid
  • edited 1 September 2015 at 9:01AM
    WelshKitty85WelshKitty85 Forumite
    1.2K posts
    Seventh Anniversary 1,000 Posts Name Dropper
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    edited 1 September 2015 at 9:01AM
    Hi everyone! Happy September!

    My goal is to pay off my final credit card, which is in my signature. To do this, I need to be really careful with my spending, keep doing paid surveys and claiming cash back, and fund my masters without relying on more credit! My motivation is my children. It upsets me that I can't treat them as much as they deserve. I'll never go back to the stage of just spending unnecessarily, but I want to get to a stage where I can afford to treat them.

    My budgets for this month are:

    Fuel - £120
    Groceries - £200
    Business - £50
    Wedding anniversary - £50

    And currently look like:

    Fuel - £93.08/£120
    Groceries - £42.08/£200
    Business - £17.47/£50
    Wedding anniversary - 0/£50

    It's the last day off before children go back to school but the weather is looking miserable here so not sure what we are going to do today. Hopefully it will be a low spend day!
    Enough is enough...
    £29,603 (22/7/18) £19,825.66
  • Good morning all!

    It's the first day of this fantastic challenge (thanks apple).

    I am aiming for 15 NSD's this month and 20 LTW's.

    The budget this month is as follows:

    Grocery and household expenses - £450
    Petrol - £200
    Clothes - £50
    Entertainment - £100
    Gifts and charity - £50

    As we have just become debt-free, The next goals are:
    1. £1000 emergency fund - now £500
    2. Start mortgage OP - start with £50/month
    3. House renovation fund - £6000

    Definitely not a walk in the park, just like the DF journey, but I'm a woman who likes challenges, it's what fires me up. My motivation is to provide security for my kids, and to be able to retire early. (FIRE, borrowing apple's term).

    September, here we come a-marching to financial freedom!
    "There is Life AFTER DEBT."
    LBM 2009 Total Debt £49046.24 Debt Free as of 27/08/2015
    Trying to replenish 3-6 mos EF
  • dolly84dolly84 Forumite
    5.6K posts
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
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    Hi guys. Good to see so many newbies, hope you stick around for the long haul, it is really worth it.

    Today is the kids last day off school, the holidays have flown by and I feel really sad they are going back. Today we need to get their school bags packed, uniform out for the morning and lunches need to be in the fridge tonight ready for tomorrow. I would prefer DD to have a school lunch but it is £3+ per day and I just cannot afford it, she says she prefers a packed lunch anyway.

    I'm not sure of our plans for the rest of the day though.

    My budgets for this month are:

    Fuel £85
    Groceries £340 (it's a 5 week shopping month for us)
    Entertainment/unexpected spends £80

    we are currently at:

    Fuel £42/85
    Groceries £71.36/£340
    Entertainment etc £3/£80

    applemuncher - I love the reduce aspect to the challenge. Surrounding myself with unnecessary stuff is not good for my mindset and I really aim to 'let go of the love of stuff'.

    mothernerd - hope you keep saying hello this month and that things are not too difficult for you - hugs to you.

    Fmess - your holiday sounds like just what you needed, glad you had a good time.

    Calling14 - I will do my best to motivate you in your weight loss - good luck.
    Debt Free and now a saver, conscious consumer, low waste lifestyler


    Fashion on the Ration 28/66
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