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NST April - SPRING INTO ACTION

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:T NST APRIL SPRING INTO ACTION

TICK TOCK - The Clocks have changed have you?

Welcome to the new Monthly NST (Ninja Saving Turtles) Challenge! NST's are a group of Money Saving challengers from across the UK who are always up for new money saving challenges, fighting our way to debt freedom, sharing tips and new money saving discoveries, general chat, support and good banter! This challenge is open to everyone- so please join us.

Have you been hanging around various challenges and not really putting 100% effort in? Could you do better? This month we are going to shake you out of hibernation as most of you have all gone too quiet lately, some turtles have buried their heads in the sand and disappeared, come back we miss you.

This month it is All about little things we can do to make our lives better, Aim is to have a happier less stressful future.

If you can reduce/cancel any of your bills make every penny count,
Stop all reckless spending. No coffee shops, Takeaways, Cakes, Chocolate – often sugar craving is a sign we are lacking certain vitamins. Look at your diet and by the end of this month we will fit into the clothes with labels on still in our wardrobes.
Make lists – Weekly action plan to do jobs at home, shopping list what you need and stick to it. Use up everything in your cupboards that has been there a while. Batch cook and freeze.
Can you earn an extra 50 pounds somehow, selling, overtime, crafting?

Prepare, plan budgets, get moving, the clocks have changed don’t just flake out in front of the tv at night, whole world out there to explore but it is up to YOU to do it.


This Challenge commences on the 1st April 2016 @ Midnight and closes on the 30th April 2016 @ 2359.
Rules
1. Aim for 20 SFD's (Spend Free Days) GULP :eek: Going to be tough month


2. Pay to your debt after usual bills. Live off whats left. YOU CAN DO IT. If you get paid weekly set monthly target to pay and be focused.


3. Set Budgets before the start of the month, can you use up food, loyalty points?


4. Check in daily to be accountable for your actions, the naughty step is waiting !


5. Unnecessary spends are unnecessary for a reason. Stamp them OUT please.



6. Plan, plan, plan what you are doing this month. How many nights out do you need? Can you do anything which doesn’t cost money instead? Can you get your little one to make a birthday card for a relative instead of buying one - simple things count!


7. Random acts of kindness, try for at least one a day. Be the annoying smiley person.:D


8. Donate to Foodbanks/ charity of your choice. Wont’t set an amount up to you what you can afford.


9. Treat time, you can either set some me time each day or treat yourself with a budget of 15 poundsfor the month. Whichever works best for you but chill out/enjoy life.


10. Don’t spend on credit cards. It does NOT cheer you up in the long run.


11. Review your DFD(debt free day) anything you can do to bring it forward?


12. Shake a tail feather – exercise walk, jog, kettle bells – whatever you body is up to at least 30-40 minutes a day. Exercise releases endorphins (happy hormones) which helps us deal with stress. Up to you set weight target for the month (in private or openly whatever gives you more motivation and check weight weekly(Friday)

These little things can change our future

.
Now where to start? Put your name down, I will give you awesome turtles a number and let the challenge begin.
[FONT=&quot]We are all here to support each other and have fun on the way

Lets make April count:T[/FONT]
LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
«13456758

Comments

  • Calling14
    Calling14 Posts: 3,498 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 11 April 2016 at 8:49AM
    Reserved for Contenders.

    1. Mothernerd
    2. WelshKitty85
    3. SpekySquarehead
    4. Apple muncher
    5. Jazee
    6. Misstara
    7. Cybertortoise
    8. Mrs C....tobe
    9. Fmess
    10. juliejim
    11. clippy_girl
    12 crazy_cat_lady
    13 Calling14
    14 Thriftylass
    15 greent
    16 Eager_Elephant
    17 crazy_lady 2009
    18 Bobarella
    19 Pollygarter
    20 498louise
    21 *snow*white*
    22 erin_transport
    23 dizzyblnd
    24 bebby_n
    25 GSRcat
    26 Xspender
    27 debtfreedolly
    28 Dizzy Imp
    29 -Selene
    LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
  • thriftylass
    thriftylass Posts: 4,033 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Thanks Calling!

    Could I be number 14 please? Thanks
    DEBT 02/25: total £6100 Debt free date 12/25
  • WelshKitty85
    WelshKitty85 Posts: 1,439 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Count me in please Calling
  • Calling14 wrote: »
    Have you been hanging around various challenges and not really putting 100% effort in? Could you do better? This month we are going to shake you out of hibernation as most of you have all gone too quiet lately, some turtles have buried their heads in the sand and disappeared, come back we miss you.

    Yes!! That's me!!

    I'd like join please! Despite having quite a hectic month with birthdays, an engagement party plus a weekend away I'll be doing my upmost.
  • apple_muncher
    apple_muncher Posts: 15,230 Forumite
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Awesome challenge! Add me to the list please!
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • Jazee
    Jazee Posts: 9,438 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Please count me in. I will try my best.
    Spend less now, work less later.
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Count me in too please :D
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • Please include me this month I will be on it 100%! I'm doing ok paying off my debts but know I can do better if I stick to the rules. Thanks.
  • MrsC....tobe
    MrsC....tobe Posts: 1,103 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker PPI Party Pooper
    Love to join you please!
    I've done 20 SFD in March (target was 20), with today possibly making it to 21. Here's hoping!
    No longer ...tobe! Married 20/06/13MFW 2021 #117 £5415.40/£6000MFW 2022 #77 £3740/£3000MFW 2023 #82 £0/£3000
  • Fmess
    Fmess Posts: 2,920 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Combo Breaker
    Count me in please calling :)
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New roof and car £8557/£19003 New kitchen £396/£5039 Credit card Paid Student loan Paid
This discussion has been closed.
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