NST Super September Scrimping challenge

edited 13 September 2017 at 9:13AM in Debt-free Wannabe Challenges
665 replies 45.5K views
thriftylassthriftylass Forumite
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edited 13 September 2017 at 9:13AM in Debt-free Wannabe Challenges
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 :p

*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

[purplesignup][/purplesignup]
NST
SFD -/- spends £-/-
Exercise -/-
:j:j:jDebt - all 0% 0 to go from 5290 :j:j:j as of 12/19
DFD 12/2019 Mortgage 109343 (04/17) 92300 (11/19) OP 1910
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Replies

  • apple_muncherapple_muncher Forumite
    12.1K Posts
    10,000 Posts Seventh Anniversary Name Dropper I've been Money Tipped!
    ✭✭✭✭✭
    Count me in please!

    It really harks back to the nsk challenges - yay!
    NST July; NSD 14; Ex 17

    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
  • greentgreent Forumite
    9.8K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
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    Count me in too, please! :)

    Will be back with my personal targets against the rules :)
    x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2021 £289.72/£500 Decluttering 2021: 850/1000
  • DawnWDawnW Forumite
    6.7K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
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    And me - I am not in debt, but on a small income, and have spent far too much so far this year :eek:

  • determined_new_msdetermined_new_ms Forumite
    7.8K Posts
    Part of the Furniture 1,000 Posts Name Dropper
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    I think I'm in.... I always fall down on NSDs! Also my oh is not keen on super frugality.... I'll try at least :)

    I'll think about the various categories and post back
    DF as at 30/12/16
    Womblng 2020:
    NSD Jan 2/18 YTD: 2
  • Calling14Calling14 Forumite
    3.4K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
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    Yes definitely back to being firm as in Kat days.

    Planning a few days away as haven't had any holidays this month. Relatives here I come ��

    Sign me up. Cheers thrifty
    LBM 13039 1.1.13 Now £0 Finally Debt Free
    Mortgage free Oct 2019:)
    EFund/savings £17936 30/07/21
  • jojitsuijojitsui Forumite
    396 Posts
    Can I join please :)
    Make £10 a day August 2019 - £0/£310.
  • misstaramisstara Forumite
    3.7K Posts
    Seventh Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
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    Count me in as well please :D
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0
    Car - £4992.88. Now £2643.76 (47% paid)
    Emergency fund - £1000/£1000. Car fund - £1000/£1000.
    Flat deposit - £850/£15000 (5.7% saved).
  • f0xh0lesf0xh0les Forumite
    4.6K Posts
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
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    I could do with a firm hand (!) so I'm in , and I have a date for my double glazing (next week) so I am giddy already.

    Best of all is that I can afford it all from what I have saved this year so far, and still have a decent emergency fund left over, and all because I join in with these challenges each month.
    MFW#65 July 21 = £82,999.99 next target = £80k in December 2021 Daily interest £4.11 next target = sub £4
    E/F £18,000 but I still need a new roof and an extension and the loft boarding out.
    NSTurtle # 12 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.
  • thriftylassthriftylass Forumite
    3.7K Posts
    Part of the Furniture 1,000 Posts
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    All noted on paper just now.

    Yes, thought i need a bit more strictness ;).

    determined new ms, don't worry, DH is not on board either but I try what I can on my side of the finances with little hints here and there :p
    NST
    SFD -/- spends £-/-
    Exercise -/-
    :j:j:jDebt - all 0% 0 to go from 5290 :j:j:j as of 12/19
    DFD 12/2019 Mortgage 109343 (04/17) 92300 (11/19) OP 1910
  • I'm in! Can't wait to start
    22.08.2017 start of my journey :)
    Loan = £6200.00/£466.01 Barclays Card = £1631.36/ 1968.00 Tesco Credit Card = £3500/3236 NatWest Credit Card = £1422.34/ £1534 Littlewoods account = £104 / £40.60
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