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  • FIRST POST
    • apple muncher
    • By apple muncher 25th Feb 18, 2:49 PM
    • 7,392Posts
    • 55,670Thanks
    apple muncher
    NST March: Marching to a different beat
    • #1
    • 25th Feb 18, 2:49 PM
    NST March: Marching to a different beat 25th Feb 18 at 2:49 PM
    NST March: Marching to a different beat


    Join the NinjaSavingTurtles, named after our leader and inspiration NinjaSavingKat, and march to a different beat. Your own beat. No more following the crowd. No more keeping up with the Joneses. No more paying the banks extra money for the privilege of having borrowed from them.


    March. The month of daffodils and the arrival of Spring. The equinox and altering the clocks. Preparation for Easter. St Patrick’s day. Pi day. Spring cleaning. But, most importantly of all: MARCH MADNESS.


    What you will do with your money, your time and your energy this month will seem like madness to those who are still caught up in the maelstrom of consumerism. But Turtles are tough and stand proud against the ‘norm’. They swim against the tide. Turtles always take their lunch to work. They rack up NoSpendDays (NSDs) like they are going out of fashion. They eschew takeaways and big chain coffee shops. No vending machine has their fingerprints on it. They note down every single little spend in the notebook that would have to be surgically removed from their grip should they ever need hospital treatment. They look after themselves – financially, physically, mentally, spiritually, emotionally. They have BIG GOALS. They dream of FIRE (Financial Independence, Retire Early). They read blogs by other frugalistas to gain more inspiration. They share the lows and highs on here, posting every day. They are grateful for what they have.

    The non-negotiables:
    • · The challenge runs from March 1st to March 31st
    • · For the striders: 18 NSDs; for the plodders: 15 NSDs (you can keep an NSD if the only thing you buy is fuel, medication, reduced items or paying for weekly or random activities [set the money aside for these at the start of the month])
    • · Set your budgets before the challenge starts (food, bills, travel, activities, repayments, holidays, treats, clothing, pets, savings)
    • · Be generous – there are many who are far worse off. Do not forget to give to your choice of charity.
    • · Note down every single spend in a notebook and analyse where the pennies go
    • · As ever, always take your lunch to work, and drink and snacks when out and about
    • · Pay towards your debt first! This is imperative. You have your debt free date in mind (You do, don’t you?!?!). So calculate how much you need to pay per month to reach it - and pay that first. Live off the rest. Simples.
    • · Plan. Look ahead to the month and what your commitments are. Are you working late and therefore unlikely to feel like cooking when you get home? Make sure you have a portion or two of homemade ready meals in the freezer.
    • · Check in every day.

    So onwards and upwards we march.
    Every step counts.
    We move with purpose.
    We know where we are heading.

    Who is with me?

    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 1
    • apple muncher
    • By apple muncher 25th Feb 18, 2:50 PM
    • 7,392 Posts
    • 55,670 Thanks
    apple muncher
    • #2
    • 25th Feb 18, 2:50 PM
    • #2
    • 25th Feb 18, 2:50 PM
    Mad March turtles:

    1 applemuncher
    2 Kerry Woman
    3 Toni'sfriend
    4 laurenh1
    5 clippy_girl
    6 mothernerd
    7 dolly84
    8 greent
    9 shabbychic12
    10 DawnW
    11 LavenderBee
    12 indigowarrior
    13 f0xh0les
    14 debtfreeby2020
    15 sashanut
    16 misstara
    17 thriftylass
    18 BadBookkeeper
    19 need an answer
    20 Calling 14
    21 slowlyfading
    22 Dottydaisy
    23 x_raphael_xx
    24 abundant1972
    25 archwaysaver
    26 Jonesy88
    27 Eager_Elephant
    28 Fmess
    29 bizzie
    30 DancingDragons
    31 RhiBi
    32 lauradora
    33 missyv30
    34 bebelles
    35 Ladykernow
    36 Debtfreewannabme
    37 Nicky Noo Na
    38 WelshKitty85
    39 lucky starr
    40 igamogam
    41 mummylewis
    Last edited by apple muncher; 08-03-2018 at 6:01 PM.
    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Kerry Woman
    • By Kerry Woman 25th Feb 18, 2:54 PM
    • 2,353 Posts
    • 22,836 Thanks
    Kerry Woman
    • #3
    • 25th Feb 18, 2:54 PM
    • #3
    • 25th Feb 18, 2:54 PM
    Can I join in for March please?
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST June 2018 A June Odessey(Staycation) NSD 14/20
    • Toni'sfriend
    • By Toni'sfriend 25th Feb 18, 3:24 PM
    • 1,317 Posts
    • 12,783 Thanks
    Toni'sfriend
    • #4
    • 25th Feb 18, 3:24 PM
    • #4
    • 25th Feb 18, 3:24 PM
    Hello
    Can I join this month please. Missed most of January and all of February because of our long holiday. Great experience but expensive. All paid for from holiday fund so nothing on credit cards but I really need to get back to frugal ways.
    • laurenh1
    • By laurenh1 25th Feb 18, 3:56 PM
    • 497 Posts
    • 5,237 Thanks
    laurenh1
    • #5
    • 25th Feb 18, 3:56 PM
    • #5
    • 25th Feb 18, 3:56 PM
    me please xx
    • clippy_girl
    • By clippy_girl 25th Feb 18, 3:58 PM
    • 2,251 Posts
    • 8,752 Thanks
    clippy_girl
    • #6
    • 25th Feb 18, 3:58 PM
    • #6
    • 25th Feb 18, 3:58 PM
    Me please
    • mothernerd
    • By mothernerd 25th Feb 18, 4:19 PM
    • 2,440 Posts
    • 25,463 Thanks
    mothernerd
    • #7
    • 25th Feb 18, 4:19 PM
    • #7
    • 25th Feb 18, 4:19 PM
    I'm in please, apple. I'll put my bunny ears on.
    This year I will be fierce
    NST Jun #1 SFD 9/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £31.50/£30 bought clothes
    No Debt No mortgage
    • dolly84
    • By dolly84 25th Feb 18, 4:39 PM
    • 3,870 Posts
    • 35,863 Thanks
    dolly84
    • #8
    • 25th Feb 18, 4:39 PM
    • #8
    • 25th Feb 18, 4:39 PM
    I'm in apple. Thanks for the new challenge.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • greent
    • By greent 25th Feb 18, 5:06 PM
    • 7,082 Posts
    • 72,171 Thanks
    greent
    • #9
    • 25th Feb 18, 5:06 PM
    • #9
    • 25th Feb 18, 5:06 PM
    Count me in, please, apple xx
    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. 2018 OPs (#18) £1068.37/£4000
    Net sales 2018 £522.39/£1000 PAYDOX18 (#15) £18564.38/£18918.90
    • shabbychic12
    • By shabbychic12 25th Feb 18, 5:24 PM
    • 83 Posts
    • 425 Thanks
    shabbychic12
    Me again please xx
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 £1182/£12000
    £28/week on wk13 (£1 a day challenge)£644
    All this saving l'm turning into my Dad
    • DawnW
    • By DawnW 25th Feb 18, 5:56 PM
    • 5,058 Posts
    • 39,933 Thanks
    DawnW
    Thanks Apple, can I join again please?
    NSDs for June 10 / 10
    Groceries / cleaning / toiletries / pet food etc £236.60 / £250
    Fuel 127.22 / £100


    • LavenderBee
    • By LavenderBee 25th Feb 18, 6:00 PM
    • 305 Posts
    • 1,553 Thanks
    LavenderBee
    I've not done one of these before but thought they look interesting, could I join too please? Debts cleared last year (and I mean it this time!) but I take a "there but for the grace of God go I" approach still.
    • indigowarrior
    • By indigowarrior 25th Feb 18, 6:33 PM
    • 596 Posts
    • 4,377 Thanks
    indigowarrior
    Please sign me up for 15 NSDS please.
    #545- SPC/ Frugal Living Challenge June No spend challenges: 10/15 House fund £250/£2000
    Grocery Budget: £18.09/£200
    • f0xh0les
    • By f0xh0les 25th Feb 18, 7:42 PM
    • 1,489 Posts
    • 12,377 Thanks
    f0xh0les
    I'm in, off to polish my boots.
    left..
    left..
    left..
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999
    June 105,999.99
    NEXT GOAL is sub £105k before JulyMortgage-free wannabe 2018 #65
    • debtfreeby2020
    • By debtfreeby2020 25th Feb 18, 7:58 PM
    • 88 Posts
    • 172 Thanks
    debtfreeby2020
    Please sign me up. I am going for 18 NSDs. Go hard or go home - that's my motto.
    Emergency Fund: £300.01/£1000 (30%) March NST: 2/18 NSDs
    Tesco Loan: £3,877/£5000 Barclaycard: £3149.99/£3169.79
    • sashanut
    • By sashanut 25th Feb 18, 11:12 PM
    • 2,835 Posts
    • 26,265 Thanks
    sashanut
    Hi all

    I'm in again please!!
    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
    • misstara
    • By misstara 25th Feb 18, 11:35 PM
    • 2,775 Posts
    • 19,656 Thanks
    misstara
    Me please, thanks for the new challenge apple
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £726.18 (68.5% paid)
    Car debt Nov 2017 £797.68 Now £499.01 (37.4% paid) + monthly payments £146.82 6/60
    Emergency fund - £0/£1000. Car fund - £0/£1000.
    Mini Targets in June
    Exercise target - 3/16. Groceries target £93.68/£175. NSD target 7/20.
    • thriftylass
    • By thriftylass 26th Feb 18, 9:49 AM
    • 3,336 Posts
    • 27,352 Thanks
    thriftylass
    Thanks apple muncher, I'm in again
    NST June
    SFD 14/20 spends too much (incl some from savings for festival etc)/480
    Exercise 11/20
    Debt - all 0% 1015 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 103541 (05/18) OP 0
    • BadBookkeeper
    • By BadBookkeeper 26th Feb 18, 10:12 AM
    • 123 Posts
    • 872 Thanks
    BadBookkeeper
    Can I join for March please - thanks
    • need an answer
    • By need an answer 26th Feb 18, 10:19 AM
    • 604 Posts
    • 716 Thanks
    need an answer
    In for March if I may.

    2 of us in the household so aiming for a food budget in total of £50
    This needs to cover all food consumed.(with at least one takeaway)
    My aim is to also shop locally so there is less need to use the car for supermarket runs.

    The downside is that I am going into the month with no vouchers in hand.
    Last edited by need an answer; 26-02-2018 at 10:22 AM.
    in S 32 T 32 F 47
    out S 46 T 34 F 41
    2017 -32
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