January | Penny Pincher Challenge



  • iammumtoone
    iammumtoone Forumite Posts: 6,377
    Seventh Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    Just wanted to check how people are scoring things like NSDs. Do I get a point each day or just one if I reach my target? One of my goals is no new dog toys - do I get a point for each day I don't buy one?


    I not doing NSD's but for my £10 per week luxury spend challenge I am giving myself 1pt at the end of the week if I manage it.

    For dog spends, yes give yourself 1pt for everyday you dont buy one.

    I don't think it really matters how you score yourself as long as you keep it consistent.
  • Chocolatedrinker
    Chocolatedrinker Forumite Posts: 400
    Part of the Furniture 100 Posts
    edited 2 January 2018 at 9:10PM
    1. Save £2 coins 2pts (1st & 2nd)
    2. Save 20p coins 2pts (1st & 2nd)
    3. Have at least 3 no spend days a month
    4. Always have shopping bags in the car so I don't buy any more
    5. Always use loyalty cards when shopping 1pt
    6. Use cash back sites when shopping online
    7. Keep a spending diary
    8. Cancel unwanted subscriptions 4pts - 4 cancelled, a magazine, subscription box & 2 charity ones (just can't afford it)
    9. Take lunch to work
    10. Join and use receipt hog 2pts - uploaded receipts yesterday & today
    11. Check bank account everyday - 2pts
    12. On payday, transfer balance to pay debts, once paid off transfer to savings
    13. Take part in £10 per week luxury challenge
    14. Take part in 2018 1 percent challenge 1pt
    15. Take water bottle to work
    16. Do small money saving things each week
    17. Take part in 5p savers challenge 1pt
    18. No more buying books until I have read the ones I have.

    15 points in total
    Declutter 2023 in 2023 972/2023 SPC = 13 £64.89 (2022) £95.67 (2021) £305.16 (2020)Loan paid off! Credit card paid off!!! Debt paid off, debt free date 28/12/2020
  • Bookaholic
    Bookaholic Forumite Posts: 45
    Second Anniversary
    Today has been ok. I’ve been stuck in while plumber fitted a new boiler and he’d only just gone when OH got home from work so we’re hsving an evening in while it all warms up again!
    Bookaholic wrote: »

    My list for January
    1. Have 3 NSDs each week - today was NSD 1 of this week
    2. Don’t buy any toiletries - I have quite enough in the cupboard to use up!
    3. Go to the library instead of buying books I want to read (on top of this read 5 books off my shelf) - currently reading 1 off my shelf - 1pt
    4. Make a shopping list and stick to it.
    5. Take lunch to work everyday (if I’m at home make something healthy) - used things up in the fridge - 1pt
    6. Don’t buy anything on Etsy - this is one of my vices!
    7. Don’t buy anything on Amazon - was almost tempted today when adding on Christmas gift cards but I resisted! - 1pt
    8. Always carry a shopping bag
    9. Keep a diary of expenses - NSD was recorded in diary 1pt
    10. Add the equivalent of £1.50 minimum a day to sealed pot to save for Christmas 2018 - 1pt
    11. No takeaways or ready meals
    12. Meal plan for each week.
    13. Go for a run or do a home work out each day - 1pt
    14. Complete surveys on Yougov - checked but none available :( 1pt
    15. No buying fizzy pop or alcohol (will drink lime and soda if going out) - I’d love a glass of lemonade right now though!

    Bonus - Note 3 positive things each day!

    That’s 7 for today (I think!) I don’t think it’s going to go so well once I’m back at work on Thursday!!
    Money saved for Christmas 2018 £6/£500
    No more Buying Books challenge - read 2 books 2017-18
    January NSDs - 3/15
  • adventureofmemories
    adventureofmemories Forumite Posts: 177
    100 Posts
    I give myself 1pt for each No Spend Day as for me I find it so hard NOT to spend...
    But as long as your consistent and not making "allowances" or changing it all the time ,
    whatever works for you.

    I'd also say give a point to yourself each day you don't buy dog toys.

    Great to see some new faces!
    And well done everyone , amazing start to the month already!
    Debt to fiancee - £404.00 (left to pay) | Save £12,000 in 2018 - £371.90 all together|2,018 items in 2018 (8/2,018)
  • adventureofmemories
    adventureofmemories Forumite Posts: 177
    100 Posts
    1. 1 NSD (Aim for 3 a week) , place £1 in EF bank account for each NSD achieved
    2. create a budget using payslip when received
    3. Do any overtime I can
    4. Automate bill transfers & record when I've done so (to make sure I don't pay late or forget)
    5. Keep an expense log of everything
    6. Have a shopping list & stick to it , only shop when 3/5+ items
    7. Reuse shopping bags
    8. Use clubcard / keep recipets and upload to recipt hog . Use clubcard when i don;t have cash but for small items
    9. Pay with cash where possible - stick to £10 for my own 'luxury' spends (anything i want that isn't a necessity) Whatever is left ,stash it away for my "fun" fund
    10. Create a plan for each day to avoid mindless spending , include free activities
    11. Keep £40 in "emergency coffee" jar at the start of the month and stash whatever's left away in emergency tin. when tin is filled, take it to bank
    12. Create 'sinking funds' for bills & powershop
    13. save for H2B ISA, Emergency and health . LEAVE money in there
    14. check accounts regulary
    15. Sign up to lloyds bank when I get paid & open a "save the change" account" and deactivate my santander account

    1. 1 NSD (Aim for 3 a week) , place £1 in EF bank account for each NSD achieved - 1pt
    14. check accounts regulary - 1pt

    2 points for me today

    i'm going to re-do my list... a little
    Debt to fiancee - £404.00 (left to pay) | Save £12,000 in 2018 - £371.90 all together|2,018 items in 2018 (8/2,018)
  • 32b3in2013
    32b3in2013 Forumite Posts: 2,438
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker

    I’ve had a good day

    1, Check bank account each day and update spreadsheet when DDs go out.
    3, Pot all change at the end of each day (this might be a little cheat as I have done this for years but I will keep it here anyway ) £5.09 potted
    4, List an item per day on eBay.
    7, Do not buy any clothes.
    9, Only use cash and leave cards at home.
    11, Use up all toiletries before buying anymore.
    12, Do not buy any stationery, however organised it might make me. I have enough!!
    13, Say something nice to someone each day.
    15, Achieve 10,000 steps each day. Just over done today

    I think I have 9 points today.

    SPC9 #125 - £816.85
    SPC10 #125 - £851.81
    SPC 11 #7 - £968.46
    SPC 12 #7 - £2682.90
    SPC 13 #7 - £4829.85
    SPC 14 #7 - £4173.30
  • Had a lovely day out with DH and DD today.
    Not a bad day challenge wise:
    1.check bank account
    2. Prolific x3
    3. Other survey sites
    7.meal plan (done for week)
    9. Lights out
    11. Compare before buy ( spent 13.35 on a 3 course lunch for all of us instead of around 25€)
    15. 5000 steps (x 4!)
    Total: 7 points for number 15.
  • dizzytina
    dizzytina Forumite Posts: 774
    Part of the Furniture 500 Posts Combo Breaker
    Morning all 😁
    5 points for me yesterday. We are away in York so we walked 3 miles round the city. I also avoided any online shopping , checked my online balance, I avoided buying any clothes in any shops and I even managed to enter 20 competitions..... will pop tonight to update on today’s progress
    V 12500 B 8300 N 1900 Oct £51/£155
  • worklifebalance
    worklifebalance Forumite Posts: 73 Forumite
    Update for yesterday - another 6 points for me!

    Went shopping as already as a spendy day as OH had the physio - remembered to take my shopping bags (1). Didn't buy any more dog toys (1). Completed budget sheet after shopping (1). Back to work but brought enough food to keep me out of the canteen (1) and didn't eat any rubbish (1). Kept to menu plan (1)

    Hopefully a good day today as well
    SPC #459 no 8 2015 £203 2016 £157 2017 £70
    starting mortgage £120,000 June 2012
    OP 2015 £5000, 2016 #57 £28866/ £25000
  • RhiBi
    RhiBi Forumite Posts: 695
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Hi, sorry I didn't post yesterday, here's my scores
    1. Save all spare change - 1pt

    6. Leave your card at home - 1pt
    7. Check bank accounts frequently - 1pt

    9. Avoid online shops such as Ebay - 1pt

    15. Use left overs / search for cheap meals - 1pt

    19. Reuse shopping bags - 1pt

    so a total of 6pts yesterday. I 'll update todays later! xx
    Virtual Sealed Pot No.07
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