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    • greent
    • By greent 30th Jun 18, 9:17 AM
    • 8,105Posts
    • 82,327Thanks
    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) £1972.10/£5K
    Net sales 2019 £173.62/£500
Page 24
    • greent
    • By greent 31st Jul 18, 5:50 PM
    • 8,105 Posts
    • 82,327 Thanks
    Brilliant achievement, Plumduff!

    Another NSD here today (only spend was medical on a repeat prescription for me)

    Have spent much of the day buried in paperwork (argh!) but have got 3 loads of washing done/ dried - will iron some of it later tonight in front of tv Have also got some tidying/ sorting/ clearing done in smallest 2's rooms (they did it assisted by a bigger child each) and a couple more things are now ready to leave as a result DD also sold another 30 books this morning - stuff out and cash in her purse

    Thankful for a dry day to get washing done/ dried, for getting my head around some figures for various agencies, for leftovers being yummy and using up stuff , for big children helping smaller children, for things leaving!

    Thank you for joining me in Surviving July - I look forward to Achieving in August
    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) £1972.10/£5K
    Net sales 2019 £173.62/£500
    • Eager_Elephant
    • By Eager_Elephant 31st Jul 18, 6:21 PM
    • 4,581 Posts
    • 27,199 Thanks
    Reporting on 5 more NSD's since I last posted which takes me to 18 for the month.

    Thanks for the challenge greent and thanks to all Turtles who embrace each months challenges.
    • DawnW
    • By DawnW 31st Jul 18, 6:24 PM
    • 5,632 Posts
    • 44,854 Thanks
    I have been away on holiday and totally blown food budget / lost track of NSDs But not too serious, as we were touring / camping, and had to buy extra food as we were away from home and the garden / stores. Other costs were fuel, camp sites and parking so as holidays go, it was a pretty cheap one. Started to make up for it today by making a lovely dinner entirely from what we have in, and except for a few jarred olives, entirely home produced

    Also made scones, lots, both fruit and cheese varieties, to use up slightly past it milk we brought back with us. I have frozen most of these

    Had to do a small shop as I had run down lots of supplies before we went / or took them with us. Managed to find some bread products reduced / yellow stickered, though the fantastic reductions reported by some lucky posters don't happen here, sadly. These are all in the freezer too.

    Loads of washing done using free washing capsules from a market research survey And loads of tomatoes, blueberries, courgettes and French beans picked for use or preserving over the next few days

    So, a mixed month - no camping planned for August (though that doesn't mean we definitely won't go ), but looking forward to the new month

    Thank you for the challenge Greent

    • apple muncher
    • By apple muncher 31st Jul 18, 6:36 PM
    • 8,915 Posts
    • 68,738 Thanks
    apple muncher
    Thank you for July greent -it's been fun!

    Today I am grateful for improving weather, for a long walk with dd and dh, for finding enough gf/df food for dd, for the local history, for meeting up with a friend, for finding some playparks which dd likes, for wifi, for a washing machine.
    NST June ninja #1; NSD 14/16; Ex 15/30; craft (19); remove 3 bagfuls (28)

    Mortgage £16,231 (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???
    • misstara
    • By misstara 31st Jul 18, 7:15 PM
    • 3,148 Posts
    • 22,704 Thanks
    Thanks for the July challenge greent
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £181.08 (92.1% paid)
    Car debt Nov 2017 £797.68 Now £766.79 (3.9% paid) + monthly payments £146.82 17/60
    Emergency fund - £20/£1000. Car fund - £45/£1000.
    Mini Targets in June
    Exercise target - 4/12. Groceries target £56.72/£200. NSD target 8/15.
    • sashanut
    • By sashanut 31st Jul 18, 9:56 PM
    • 3,121 Posts
    • 29,534 Thanks
    Hi all

    Checking in again though on hols for another 2 weeks. Not an NSD today but still got some YS items from MnS & some clothes in the sale including some sleep shorts for just €1... Old habits die hard..

    Many thanks to greent for running the challenge; whilst I have not got everything right I have certainly been surviving in July, great to read all your posts & looking forward to August

    Go turtles!!
    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
    • bizzie
    • By bizzie 31st Jul 18, 10:11 PM
    • 223 Posts
    • 2,765 Thanks
    Making my last entry for the month, not that I've made many. Kept to budgets except pets but now fully stocked for the next few weeks so will soon be back on schedule.
    Thank you greent for running the thread.
    Groceries: 128.70/300.00 Personal Spend: tbc/100.00
    NST June #22 NSD 10/15 @14/06/19
    Goals for 2019: Balance in
    Self: Health: Wealth :
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