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  • FIRST POST
    • greent
    • By greent 30th Jun 18, 9:17 AM
    • 8,134Posts
    • 82,590Thanks
    greent
    NST 07/2018 - Survive July!
    • #1
    • 30th Jun 18, 9:17 AM
    NST 07/2018 - Survive July! 30th Jun 18 at 9:17 AM
    • The challenge runs from 1st - 31st July 2018
    • NSDs - if you like to monitor NSDs, choose either the gentler target of 13 or the stretching target of 20 - or set your own somewhere in between! Usual exceptions (fuel, YS items, medical (inc for animals!) etc) apply
    • Remember others - donate money/ items/ time to a charity of your choice. Helping at PTA events comes under this! As do Random Acts of Kindness (RAOKs)
      Pay to your debts or savings FIRST and live off the rest

    • Set your budgets
    • Use things up - not just food in cupboards & freezer, but toiletries and excess cleaning products etc - share your wins! Using something up instead of buying something else is
    • Revisit those targets you set back in January. We are halfway through the year !!!8211; how are you doing? - do you need to tweak things to stay/ get back on track or set some new targets/ aims?
    • Vacation time !!!8211; school hols have started for those in Scotland, I believe. For England & Wales the school hols will start this month. Budget accordingly - what free or low cost things can you find to do? - especially for any rainy times. Maybe check local faceb00k pages for details of what!!!8217;s on and any offers. And for those with no bother for school holiday periods, they may be planning their Summer getaways or days out. Make the most of any memberships you have (you've already paid for them, after all! ) and any vouchers you can find. Gr0up0n sometimes has good deals for different things to do - check the local page for anywhere you plan on visiting to see if there are deals on local attractions/ restaurants.
    • Inspire others - share your ideas on here of things to do with kids/ how to keep holiday costs down/ what things you!!!8217;ve used up (especially if you!!!8217;ve used them as a substitute for something)
    • Value for money -research for any planned (or unexpected ) spends. Don't forget cashback sites for purchases. Often banks seem to have offers you can activate for cashback on debit card purchases - if you're going to spend then getting some money back is a bonus!
    • Every day - check in and also remember your daily gratitudes.


    • Jump - or run, garden, swim, walk !!!8211; we all know that being active is good for us - ideally 3 or more sessions a week. Take care in warm weather and stay hydrated.
    • Unless budgeted, no takeaways, coffee shops, lunches out etc. Picnics for days out are great - maybe have a budget for ice creams and extra drinks for the way home. Social plans are hopefully already thought of (birthday meals/ takeaways/ night in pub for football etc) and can be budgeted accordingly
    • Lose the excess. Most of us have too much stuff. Declutter. Use things up. Donate to a worthwhile cause. Sell books/ CDs/ old games on Z1ff1t/ Mus1c Magp1e (not forgetting to go through a cashback site first) Sell on flebay/ gumtree/ faceb00k/ car boot sale - any money made can either be put towards debt/ savings or maybe summer treats (you all know your own situations and what would work for you) If there's excess weight, maybe jump/ run/ walk a little more and be mindful of what you are eating. Perhaps keep track on here of items/ lbs lost and £s made
    • Yearly plans -we are halfway through 2018. If you haven't planned on how to finance Christmas/ birthdays in the second half of the year/ DIY things which need doing (we keep an ongoing list of large and small jobs and try to knock something off it each month)/ any holiday plans you may have - NOW is the time to think about this. Perhaps draw up a list of birthdays between now and January and also a Xmas list and keep an eye out for items/ put money aside monthly. Don't forget yourself -make a list of what you!!!8217;d like for Xmas and then you'll be prepared when asked!

    So come along for the journey, Turtles - let's encourage one another to not just survive July, but to enjoy it as well! xx
    Last edited by greent; 02-07-2018 at 2:58 PM.
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/18 £54829 2019 OPs (#18) £2418.57/£5K
    Net sales 2019 £173.62/£500
Page 1
    • greent
    • By greent 30th Jun 18, 9:18 AM
    • 8,134 Posts
    • 82,590 Thanks
    greent
    • #2
    • 30th Jun 18, 9:18 AM
    NST July Participants
    • #2
    • 30th Jun 18, 9:18 AM
    1. greent
    2. Eager_Elephant
    3. Toni'sfriend
    4. apple muncher
    5. GlendaSugarbean
    6. Kerry Woman
    7. indigowarrior
    8. cuddlymarm
    9. shabbychic12
    10. mothernerd
    11. swimminginaseaofdebt
    12. sashanut
    13. misstara
    14. EarlyRetirement
    15. clippy_girl
    16. Puddleglum
    17. DawnW
    18. f0xh0les
    19. bizzie
    20. Fmess
    21. Dolly84
    22. enchilada
    23. laurenh1
    24. gien
    25. thriftylass
    26. Tropically
    27. mummylewis
    28. Omg7kdebt
    29. Debtfreewannabme
    30. plumduff55
    31. crazy_cat_lady
    Last edited by greent; 10-07-2018 at 7:02 AM.
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/18 £54829 2019 OPs (#18) £2418.57/£5K
    Net sales 2019 £173.62/£500
    • Eager_Elephant
    • By Eager_Elephant 30th Jun 18, 9:23 AM
    • 4,589 Posts
    • 27,298 Thanks
    Eager_Elephant
    • #3
    • 30th Jun 18, 9:23 AM
    • #3
    • 30th Jun 18, 9:23 AM
    Count me in please greent
    • Toni'sfriend
    • By Toni'sfriend 30th Jun 18, 9:30 AM
    • 2,057 Posts
    • 20,626 Thanks
    Toni'sfriend
    • #4
    • 30th Jun 18, 9:30 AM
    • #4
    • 30th Jun 18, 9:30 AM
    Me too please
    • apple muncher
    • By apple muncher 30th Jun 18, 9:50 AM
    • 9,043 Posts
    • 69,583 Thanks
    apple muncher
    • #5
    • 30th Jun 18, 9:50 AM
    • #5
    • 30th Jun 18, 9:50 AM
    Jumping in with both feet! Thanks greent.
    NST July jogger #5; NSD 10/18; Ex 19/31; remove bagfuls (31)

    Mortgage £15,451 (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???
    • GlendaSugarbean
    • By GlendaSugarbean 30th Jun 18, 9:58 AM
    • 597 Posts
    • 4,418 Thanks
    GlendaSugarbean
    • #6
    • 30th Jun 18, 9:58 AM
    • #6
    • 30th Jun 18, 9:58 AM
    In for the whole month this time!
    • Kerry Woman
    • By Kerry Woman 30th Jun 18, 10:07 AM
    • 2,792 Posts
    • 28,255 Thanks
    Kerry Woman
    • #7
    • 30th Jun 18, 10:07 AM
    • #7
    • 30th Jun 18, 10:07 AM
    Count me in please.
    Frugal Living Challenge 2019
    Mortgage free as of 1st August 2013
    NST A Gentle Jog Through July
    • indigowarrior
    • By indigowarrior 30th Jun 18, 10:30 AM
    • 700 Posts
    • 5,394 Thanks
    indigowarrior
    • #8
    • 30th Jun 18, 10:30 AM
    • #8
    • 30th Jun 18, 10:30 AM
    Count me in please!
    No Spend July 0/17 £30/£160 Groceries £0/120/debt.
    • cuddlymarm
    • By cuddlymarm 30th Jun 18, 11:43 AM
    • 1,310 Posts
    • 7,673 Thanks
    cuddlymarm
    • #9
    • 30th Jun 18, 11:43 AM
    • #9
    • 30th Jun 18, 11:43 AM
    Can I join in this month please?
    Thanks
    Cuddlymarm x
    2019 Grocery Spend £739.4.33/£2000
    • shabbychic12
    • By shabbychic12 30th Jun 18, 12:22 PM
    • 146 Posts
    • 1,340 Thanks
    shabbychic12
    I'm in for another month please x
    2019 early retirement wannabe
    Save £12K in 2019 no 94
    All this saving l'm turning into my Dad
    • mothernerd
    • By mothernerd 30th Jun 18, 1:14 PM
    • 2,934 Posts
    • 31,822 Thanks
    mothernerd
    me too please, EE
    Changing to a Life of Simplicity and Serenity with added rainbows
    NST Jul #1 SFD 12/17 Food 172.45/£160 Travel £15.20/20 Ent 0/12 Diy 0/£10 Ext trainers 129.99
    No Debt No mortgage
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 30th Jun 18, 2:07 PM
    • 854 Posts
    • 5,213 Thanks
    swimminginaseaofdebt
    Please can I be added?

    My goals for the month are:
    • NSDs - 15
    • Remember others - will buy gifts for charity for Christmas
    • Budgets - £200 food/other spends and £100 social spends
    • Use things up - will do!
    • Vacation time - 2 year old is easily amused with a trip to the park
    • Inspire others - will try my best
    • Value for money - need to renew my home insurance and change broadband/tv as talktalk are getting expensive. Will go through quidco/topcashback. Also want a haircut and will look for a voucher for this
    • Check in every day - will try my best
    • Jump - will walk as much as I can, would like to do other forms of exercise but being a single parent of a 2 year old puts a stop to this. Wish there was affordable gyms with crèche facilities
    • Social - have 1 lunch planned and 1 potential dinner. Will allow a visit or two to soft play with the little one
    • Lose the excess - will try to declutter the flat a little
    • Yearly - build up my Amazon balance through surveys for nephews birthday in October and presents next year

    Other goals:
    • Add to my EF
    • Start a driving lessons/car fund
    • Start a home improvement fund
    • Rebuild my general savings account
    • Continue batch cooking for the little one
    • Read as many books as possible
    • Sign up for my next OU module once I get confirmation I‘ve passed my last one (results due 17th July)
    Last edited by swimminginaseaofdebt; 30-06-2018 at 7:42 PM.
    SPC11 #564 - £186.83
    SPC12 #22 - In Progress

    VSPC 2019 #10 - £88.12/£100
    • sashanut
    • By sashanut 30th Jun 18, 2:14 PM
    • 3,149 Posts
    • 29,823 Thanks
    sashanut
    Please count me in greent
    New start JAN15 - NOT BUYING IT 2015 . Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE
    • indigowarrior
    • By indigowarrior 30th Jun 18, 3:06 PM
    • 700 Posts
    • 5,394 Thanks
    indigowarrior
    NSDs-20
    Set your budgets- Have a goal of 30 per week to cover everything. The rest will stay in the bank or go on debt until I have a handle of my finances. (Things have gotten really bad mentally.
    Use up things-I am aiming to only top up stuff in July.
    Revisit-I am constantly revising my goals and havent really succeeded so I am tightening my belt and bulking down
    Vacation-Doesnt really apply anymore.
    inspire- I will share my meals and breakdown costs.
    Value Hoping there wont be any unplanned costs but you know.
    Every Day I will aim to check in more and think of more gratitudes


    JumpAiming for more walks
    Unless planned I will be meeting a friend for coffee at least once this month but, that is the only planned spend there.
    Lose the excess I am going to clear out some books I havent touched in a while.
    Yearly Goals Another month, Another set of goals. My goals are:
    No new electronics except what household items when I move. (Stay out of ARGOS!)
    Save £2K for deposit and furniture


    I have got to really pull myself together before I end up living in supported housing for the rest of my life because I cant save or budget.
    No Spend July 0/17 £30/£160 Groceries £0/120/debt.
    • misstara
    • By misstara 30th Jun 18, 3:41 PM
    • 3,161 Posts
    • 22,793 Thanks
    misstara
    Please count me in
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £98.37 (95.7% paid)
    Car debt Nov 2017 £797.68 Now £746.79 (6.4% paid) + monthly payments £146.82 18/60
    Emergency fund - £70/£1000. Car fund - £100/£1000.
    • Toni'sfriend
    • By Toni'sfriend 30th Jun 18, 4:23 PM
    • 2,057 Posts
    • 20,626 Thanks
    Toni'sfriend
    OK. Goals for July
    NSD - 15 (?)
    Budgets done and bills paid (taking into account Direct Debits and when they come out of bank account). Monthly charity donations paid.
    Use things up. So much food to use but practically zero waste. Got lots of cosmetic type things to use.
    Revisit those targets you set back in January - Financially not to bad but I really do need to lose some weight.
    Vacation time . Our next holiday is October and after that a lot planned but plans for paying are all in order. We feel that we should be getting out and about a bit more so we are planning a day out every week. A walk or a visit somewhere (lots of free places about) plus a nice lunch. However, I will be looking for vouchers, etc to pay for this.
    Inspire others; Don't know that I'm very inspirational but I'll certainly pass on any tips where I can.
    Value for money . Never tried cashback. Must look into that.
    Sign in and gratitudes every day ; Will do
    Jump ! or run, garden, swim, walk ; Just walking really but hopefully that will tie in with our days out a little. Otherwise will try to be a bit more active
    Unless budgeted, no takeaways, coffee shops, lunches out etc. - Don't really do takeaways or coffee shops and the lunches will be budgeted for. One lunch with the cousins ans sister in law.
    Lose the excess - So, so much here. Must make a real effort. Lots which has hardly been used that can go to the charity shop and tins and things (still well within date) that can go to the food bank and homeless mission. Come to think of it I bet there are lot's of toiletries and household things that can be donated as well.
    Birthdays, etc. - Himself's birthday next week. We don't do expensive but do like lots of presents to open on the day. Been storing up books, etc that I've bought cheap (but that I know he'll like). Going to buy a couple of Groupon restaurant vouchers and a huge box of 100 jaffa cakes.
    Looking forward to July
    Last edited by Toni'sfriend; 30-06-2018 at 4:25 PM. Reason: mistake
    • EarlyRetirement
    • By EarlyRetirement 30th Jun 18, 7:32 PM
    • 74 Posts
    • 276 Thanks
    EarlyRetirement
    Can I join in please?
    Thank you
    Early Retirement
    • clippy_girl
    • By clippy_girl 30th Jun 18, 7:41 PM
    • 2,283 Posts
    • 8,955 Thanks
    clippy_girl
    I would like to join in please
    • cuddlymarm
    • By cuddlymarm 30th Jun 18, 8:00 PM
    • 1,310 Posts
    • 7,673 Thanks
    cuddlymarm
    Thanks for adding me

    Set my target I am aiming for £175 for the month to cover all food, cleaning and toiletries and at least 15 NSDs
    Use up I aim to streeeeeeeetch everything as far as possible, but as I am doing another challenge myself to stock up my cupboards aim to use the saving to do this stocking up without going over my limit
    Revisit I didn!!!8217;t join until now but know I need to concentrate on keeping to the straight and narrow. We have been living beyond our means and it needs to stop.
    Vacation we!!!8217;ve no holidays booked until November now ( which still needs paying for ) so no eatable treats out and will attempt to take food and drinks out.
    Inspire I aim to make do and mend as much as possible so I will keep you guys updated on how I!!!8217;m doing
    Value The only money I!!!8217;m planning on spending is on food this month so I will check prices and offers to make sure of value for money
    Every day I will check in
    Jump I plan to walk as much as possible
    Unless budgeted Not planning on spending anything apart from food
    Lose excess We!!!8217;ve very little to part with cos we downsized last year.
    Yearly targets Xmas, birthdays etc I will start attempting to put money away towards Xmas after I!!!8217;ve stocked up. Most gifts tend to be money apart from the smaller great nephews that live near.

    I hope this all makes sense
    Good luck guys
    Cuddles
    2019 Grocery Spend £739.4.33/£2000
    • Puddleglum
    • By Puddleglum 30th Jun 18, 8:02 PM
    • 677 Posts
    • 5,152 Thanks
    Puddleglum
    I'm in again too please!
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    April 2019 - pick myself up, dust myself down and give myself a stern talking to.
    Grocery spend £5814/£80
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