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    • apple muncher
    • By apple muncher 25th Feb 18, 2:49 PM
    • 7,392Posts
    • 55,678Thanks
    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 Patrickís 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 Ďnormí. 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 Ė 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 Ė 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, donít 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 3
    • Kerry Woman
    • By Kerry Woman 28th Feb 18, 2:37 PM
    • 2,354 Posts
    • 22,837 Thanks
    Kerry Woman
    raphael - Sorry the news of your MIL. Sending hugs.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST June 2018 A June Odessey(Staycation) NSD 15/20
    • archwaysaver
    • By archwaysaver 28th Feb 18, 2:45 PM
    • 35 Posts
    • 312 Thanks
    archwaysaver
    I'd like to join for March!
    Bring lunch to work March: 5/13
    NSD March: 6/18

    Goal by Sept 2019: £20,100
    So far: £3,749.89
    (tuition £1,920/4,100, cushion £456/1,000, dream £1,300.44/15,000)
    • Jonesy88
    • By Jonesy88 28th Feb 18, 4:36 PM
    • 942 Posts
    • 3,686 Thanks
    Jonesy88
    Hi!

    Can I join please? I used to do these challenges many moons ago when NSK was still about!
    DF by Xmas 2018: #83 £1,500/£15,000 10%
    SPC 7: #135 | VSP 2018: #23 £1.60 | MFW 7.78% | NSDs 0/15
    • x_raphael_xx
    • By x_raphael_xx 28th Feb 18, 5:14 PM
    • 3,554 Posts
    • 18,512 Thanks
    x_raphael_xx
    Thank you for the thoughts guys.
    MIL has smoked all her life, so it was sort of expected when she finally went to the drs & started the tests. But still, hearing the words makes it 'real'.
    The tumour is in her oesophogus, making it difficult to eat as its narrowing the tube. BF is a little angry that she's been struggling to eat & throwing up etc for months and wouldn't go to the drs. But it is what it is, no point in 'what if we'd have gone sooner'.

    Just waiting for the results to see if/how far its spread. Then I guess they'll start treatment.
    Hospital has been whizzing her through tests and appointments, so at least we've not had long periods of waiting and wondering.
    Debt Free as of 17/01/2009 Turtle Power!!
    May NSD's - 13/19 / Lose weight 7.8 lbs / 50 lbs
    EF Challenger #36 £139.93/£1800
    • Eager_Elephant
    • By Eager_Elephant 28th Feb 18, 7:22 PM
    • 4,408 Posts
    • 25,259 Thanks
    Eager_Elephant
    Sorry to hear about your MIL Raphael.

    Please count me in for March apple.

    Jan was partial wipe out due to family bereavement and Feb was a total wipe out as still trying to catch up from Jan.
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • DawnW
    • By DawnW 28th Feb 18, 7:40 PM
    • 5,058 Posts
    • 39,937 Thanks
    DawnW
    OK, so March here we come
    • 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]) I am definitely a plodder wrt this, though I am a bit stricter than some / this rule. For me, unless it is a direct debit bill paid from the bank, I count it as a spend day if I spend anything at all. Works for me!
    • Set your budgets before the challenge starts (food, bills, travel, activities, repayments, holidays, treats, clothing, pets, savings) To follow
    • Be generous Ė there are many who are far worse off. Do not forget to give to your choice of charity. Will do
    • Note down every single spend in a notebook and analyse where the pennies go I have been doing this since 1st Jan
    • As ever, always take your lunch to work, and drink and snacks when out and about I am retired now, so the first part doesn't apply. Will be sure to take drinks and snacks if we go anywhere though!
    • Pay towards your debt first! This is imperative. You have your debt free date in mind (You do, donít you?!?!). So calculate how much you need to pay per month to reach it - and pay that first. Live off the rest. Simples. We no longer have debt, thank goodness!
    • 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. Did a freezer inventory today, and there is plenty in there. I am waiting for a gall bladder op in any case at the moment, and takeaways are a really bad idea far too fatty!
    • Check in every day. Will try, but I am not good at this
    NSDs for June 10 / 10
    Groceries / cleaning / toiletries / pet food etc £236.60 / £250
    Fuel 127.22 / £100


    • apple muncher
    • By apple muncher 28th Feb 18, 8:18 PM
    • 7,392 Posts
    • 55,678 Thanks
    apple muncher
    Consistency
    When you want to rid yourself of debt, pay off your mortgage or save up for a deposit or holiday or retirement, CONSISTENCY is everything.

    Consistency isn't sexy and doesn't promise instant results, but real-life experience (and research) show that it's the only thing that helps people control their spending, and balance their health and their happiness so that they start building the life they want.

    Balance = having the least amount of conflict between your financial goals and your lifestyle. What never works is having two competing desires like wanting to pay off debts but still going out every weekend and spending lots of money; or being so strict and restrictive that you blow up and go on a spending bender.

    (Shamelessly stolen and adapted from April's Men's Fitness mag intro!)
    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
    • f0xh0les
    • By f0xh0les 28th Feb 18, 9:47 PM
    • 1,491 Posts
    • 12,382 Thanks
    f0xh0les

    (Shamelessly stolen and adapted from April's Men's Fitness mag intro!)
    Originally posted by apple muncher
    But without the inspirational obligatory headless abs photo?

    I will just have to rely on my imagination
    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
    • Fmess
    • By Fmess 28th Feb 18, 10:23 PM
    • 2,711 Posts
    • 26,002 Thanks
    Fmess
    I was almost late!!! Please can I join? x x
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New Car and Roof Debt £0/£19033
    DecNST #2 SFD 13/15 Food 105/120 Personal 380/350 Petrol 80.01/80
    • bizzie
    • By bizzie 28th Feb 18, 10:27 PM
    • 164 Posts
    • 1,971 Thanks
    bizzie
    Can I sign up for March please.
    Groceries 220.22/300.00 Personal Spend /100.00
    NST June #25 NSD 15/15 @23/06/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • DancingDragons
    • By DancingDragons 1st Mar 18, 8:24 AM
    • 113 Posts
    • 1,293 Thanks
    DancingDragons
    Count me in (Said from under pile of snow)
    2018 Foolish April Ninja #33 | NSD 8/16 |
    I can do this! Debt: 11,989.29 11,189.29 goal DFD June 2020
    -34lb to 2019. Lost 7lb, <-stalled
    • RhiBi
    • By RhiBi 1st Mar 18, 9:07 AM
    • 581 Posts
    • 1,715 Thanks
    RhiBi
    I am doing the Payment a Day challenge, so can I not include that in the NSDís? If so, Iíll sign up to the challenge!
    Virtual Sealed Pot 2018 #7 £173.69/£250
    • abundant1972
    • By abundant1972 1st Mar 18, 9:17 AM
    • 1,227 Posts
    • 9,215 Thanks
    abundant1972
    Happy 01st March!!!

    Pinch punch first of the month and no returns!!! Did I actually get in first this time haha?

    Hugs Raphael I think you have the right mind-set taking each day as it comes. Hugs EagerElephant too - it's good to have you back.

    Great post about 'consistency' Applemuncher and I've definitely belonged to the latter camp... been so strict and felt like I have no life - until suddenly something gives and I go on a massive spend. Moderation in all things right?
    This month I am going to allow myself some little guilt free treats... Because I'm worth it <swishes hair>

    Who needs imagination when there's an insert image facility haha... Ahem... For you F0xh0les! Can this be my guilt free treat this month please...?




    Ok... cold shower time... Then to my budgets...

    Aiming for 18 NSDs... Even with my need to shop more often due to lack of storage space in the fridge/freezer... twice a week should be easily enough, leaving a few floating free days for other things.

    Budgets: Food and Spends £200.00. I have lumped them back together again this month. As cooking is sort of becoming a new hobby... if I opt to use my spending money on ingredients then so be it.

    Budget Book - check! I will record all of my spends. I was a little sneaky and did my first shop yesterday so I don't have to use a NSD

    I give to World Wildlife Fund (only £5) and will put some in the local food bank at the Supermarket.

    All payments to savings, my car payment and rent go out first of the month with just my mobile straggling mid-month. Otherwise the rest is budgeted for.

    Good luck everyone!!!


    Last edited by abundant1972; 01-03-2018 at 9:36 AM.
    Ask do I 'want' or 'need' this before I spend
    Follow your heart & be true to yourself always
    Help To Buy ISA = £6046.13. EF = £2500/£4500
    NST : NSD=0/18 : Food & Spends=£0/£200.00
    Exercise : Joe Wicks 90 Day SSS Plan!
    • dolly84
    • By dolly84 1st Mar 18, 9:55 AM
    • 3,870 Posts
    • 35,866 Thanks
    dolly84
    raphael - sorry to hear about your MIL.

    What a day yesterday ended up being. DH turned back with the kids and got home about 8.50 am. The school then sent a message at 9am saying they were closing and could everyone collect their children, we would have had to go straight back if they were there, it was all very difficult due to the time it started snowing. School is closed again today, we have about 7" here and it has drifted and is still snowing.

    I had a Sainsburys delivery booked for teatime yesterday but they didn't come but the worst thing was they never rang to tell me, I rang customer services and I was fuming, they have re-booked me for tomorrow but I'm not holding my breath, I will need to go out for some milk and butter today though.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • apple muncher
    • By apple muncher 1st Mar 18, 10:42 AM
    • 7,392 Posts
    • 55,678 Thanks
    apple muncher
    I am doing the Payment a Day challenge, so can I not include that in the NSDís? If so, Iíll sign up to the challenge!
    Originally posted by RhiBi
    I can see how the two are incompatible! Please join us, and your PAD payments will not lose you an NSD so long as you spend nowt else.

    F0xh0les - I was going to say taht the image on the page was not at all what you (and abundant!!!!) were thinking. It was a piccy of 3 glasses (like shot glasses) with each one filled with a colourful liquid. The gist of the text ended up being about detox diets not working. Pretty pic, but NOWHERE NEAR AS GOOD AS THE ONE ABUNDANT TREATED US TO .

    Abundant - you got in there first with the pinch punch thing. Go you!

    My dd is in school today - the head sent out an email yesterday asking parents to ensure that their child had wellies/boots with them - so that they could go out and play in the snow at lunchtime. How awesome is that!
    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
    • RhiBi
    • By RhiBi 1st Mar 18, 11:41 AM
    • 581 Posts
    • 1,715 Thanks
    RhiBi
    I can see how the two are incompatible! Please join us, and your PAD payments will not lose you an NSD so long as you spend nowt else.
    Originally posted by apple muncher
    Thanks Apple Muncher, count me in then please
    Virtual Sealed Pot 2018 #7 £173.69/£250
    • laurenh1
    • By laurenh1 1st Mar 18, 12:57 PM
    • 497 Posts
    • 5,241 Thanks
    laurenh1
    Gooood Afternoon Turtles and happy 1st of the month

    I made it in to work Very proud. The fact that my husband drove is irrelevant I am fed up of this snow now, snow is only fun for a day and then it becomes impractical! I am already bracing myself for my walk to Aldi tomorrow in search of nappies, in my head it looks like a scene from "The Revenant"

    However, having made it to work, I have been able to pick up my LOs new Potty which I ordered with some vouchers I was given much posher than anything I would have ever bought him, makes noises when he goes and he is very jazz hands so he will LOVE it!!

    Tax free childcare finally cleared woop woop and I am all set for the month
    £1750 Emergency pot
    £700 Paris
    £130 Fuel
    £229 spends
    Help to buy ticking over nicely!

    Abundant I am going to treat myself this month too. Hub has basically told me I need to lighten up (charming) and stop worrying about every penny. I find this harder than I should I think!! I can get a bit obsessive balance is indeed the key!!

    Frogs- nag hub to sand my chairs down ( to be fair to him he is waiting on something for his tool from Amazon), change photos round in my house and buy a new bed for my LO. This will need to come from my EF but it wont be a fortune and he does need a single bed. It has been on our wish list for a while

    Hope you all get off to a great start (this is me cheering us on)
    • Fmess
    • By Fmess 1st Mar 18, 2:16 PM
    • 2,711 Posts
    • 26,002 Thanks
    Fmess
    Hi all,

    Today will be a SFD as I have a snow day from school!!! Its the first one Ive had in 8 years of teaching.

    Ive done lots of school work so hopefully I can have a fairly quiet weekend with little work

    Budgets are all set, monthly food shop and batch cooking were done between payday and the start of the month. I feel prepared to have a successful month
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New Car and Roof Debt £0/£19033
    DecNST #2 SFD 13/15 Food 105/120 Personal 380/350 Petrol 80.01/80
    • shabbychic12
    • By shabbychic12 1st Mar 18, 2:35 PM
    • 83 Posts
    • 425 Thanks
    shabbychic12
    What a sight to start the month one can only dream lol. Going to get my spending under control this month DD Birthday but have built this into the scheme of things. Good luck everyone.
    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
    • pocketfluff
    • By pocketfluff 1st Mar 18, 2:36 PM
    • 13 Posts
    • 67 Thanks
    pocketfluff
    Today is the last day before payday so we literally have £0

    But its turned out to be a pretty frugal day

    1. EDF sent us vouchers today for the Warm Home Discount so that has been a massive help. We have £140 to pop into gas and electric which is a godsend as weve been spending a fortune on heating the house and had to have no gas days and wrap up instead. Very hard when your front door is bent like a banana and lets all the heat out

    2. Ive made a vegetable curry for hubby with bits and bobs out of the cupboards abd freezer. So frozen cauliflower and broccoli, frozen mushrooms, a tin of sweetcorn, a jar of tikka massala sauce and uncle bens microwavable rice. My daughter will have a waffle and spaghetti.

    3. Ive ran out of cat and dog food so Ive thawed out some frozen chicken and they eat like kings tonight lol

    4. I collect my free socks from M&S for my birthday nice cosy toes tonight

    5. Weve spent the day off work today, are all snuggled in bed so Im going to do some productive work on my laptop still in my pyjamas with a nice coffee while hubby watches stuff on his phone and my little girl has our bedroom tv to herself watching cartoons.

    6. I also bathed the dog (one of my frog tasks) so hes lovely and clean! And snuggled in bed with us.

    Tonorrow morning Im meeting my friend at Costa for a coffee and a catch up then were going to the retail park for cleaning products. As its payday it will not be a no spend day and not really sure how to save on the coffee!
    Last edited by pocketfluff; 01-03-2018 at 2:40 PM.
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