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  • FIRST POST
    • misstara
    • By misstara 28th Apr 17, 11:16 PM
    • 2,678Posts
    • 18,897Thanks
    misstara
    May the (NST) force be with you
    • #1
    • 28th Apr 17, 11:16 PM
    May the (NST) force be with you 28th Apr 17 at 11:16 PM
    MoneySavingExpert Insert:

    For anyone new joining in, this is a No Spend Day challenge

    See misstara's challenge info below...

    ------

    Welcome to May's NST challenge . Star Wars day is May 4th but other than the title, this is not going to be Star Wars themed challenge I'm afraid

    I love May, it's my birthday month so obviously a fab month but it always feels as though spring is properly underway and turning into summer (I'll say nothing about the snow we had earlier this week!), days are continuing to get longer and everyone just seems a little happier. This month, I would like everyone to post daily gratitudes. I find it definitely helps my mood thinking about what I'm grateful for.

    EE asked us all to get out in the garden last month and I'd like to continue this for May. Anyone without a garden, try to spend a short while outdoors each day and get some vitamin D.

    We are now a third of the way through the year. For those of you who have been following this challenge for a while, in January I asked everyone to set goals for the year. I would like everyone to review those goals and see how much progress has been made. My goals for this year were to become debt free and run a 10k. I did a 10k run last weekend but debt busting has not gone so well. The debt continues to go down but I certainly haven't paid off a third of what I owe since January. In order to motivate myself, I am going to set myself a stretch target for this month and ask that you all do the same.

    Usual rules also apply
    - challenge runs from 1st May to 31st May
    - aim for at least 16 NSDs
    - pay to your debt/savings first
    - post daily if you can
    Last edited by MSE Andrea; 04-05-2017 at 1:19 PM.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £906.44 (60.6% paid)
    Car debt Nov 2017 £797.68 Now £576.48 (27.7% paid) + monthly payments £146.82 4/60
    Emergency fund - £40/£1000. Car fund - £77.09/£1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target £132.11/£200. NSD target 10/15.
Page 1
    • misstara
    • By misstara 28th Apr 17, 11:18 PM
    • 2,678 Posts
    • 18,897 Thanks
    misstara
    • #2
    • 28th Apr 17, 11:18 PM
    • #2
    • 28th Apr 17, 11:18 PM
    1 misstara
    2 Lauralozzle
    3 Jo Blogs
    4 greent
    5 Needhelpsaving
    6 Toni's friend
    7 Fmess
    8 Eager_Elephant
    9 x_raphael_xx
    10 f0xh0les
    11 498louise
    12 ilovetea
    13 crazy_cat_lady
    14 Ladykernow
    15 mrshubbard
    16 FurryBeastOz
    17 mothernerd
    18 apple muncher
    19 Skint Teacher
    20 swimminginaseaofdebt
    21 abundant1972
    22 bizzie
    23 pippy1971
    24 Chasing Sunshine
    25 Calling14
    26 indigowarrior
    Last edited by misstara; 06-05-2017 at 3:31 PM.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £906.44 (60.6% paid)
    Car debt Nov 2017 £797.68 Now £576.48 (27.7% paid) + monthly payments £146.82 4/60
    Emergency fund - £40/£1000. Car fund - £77.09/£1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target £132.11/£200. NSD target 10/15.
    • Lauralozzle
    • By Lauralozzle 28th Apr 17, 11:46 PM
    • 560 Posts
    • 4,955 Thanks
    Lauralozzle
    • #3
    • 28th Apr 17, 11:46 PM
    • #3
    • 28th Apr 17, 11:46 PM
    I'm in for May
    Credit Card 1: £0.00 (0%) | Credit Card 2: £1,951.50 (0%) | Credit Card 3: £764.20 (0%) Car Finance: £7,491 (7.9% APR) | Mortgage: £110,794 (2.79% APR) | Emergency Fund: £69.68/£1000 | Honeymoon Fund: £1,042
    • Jo Blogs
    • By Jo Blogs 29th Apr 17, 1:06 AM
    • 730 Posts
    • 2,597 Thanks
    Jo Blogs
    • #4
    • 29th Apr 17, 1:06 AM
    • #4
    • 29th Apr 17, 1:06 AM
    I;m in for May, too
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44 for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 Sept NSDs 4/15CCCChl 9/12 months
    Sept PPChl#002 Pts 71
    • greent
    • By greent 29th Apr 17, 7:54 AM
    • 6,907 Posts
    • 70,678 Thanks
    greent
    • #5
    • 29th Apr 17, 7:54 AM
    • #5
    • 29th Apr 17, 7:54 AM
    Thanks, misstara! I'm in, please!
    x
    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) £577.06/£4000
    Net sales 2018 £362.51/£1000 PAYDOX18 (#15) £12808.40/£18694.38
    • Needhelpsaving
    • By Needhelpsaving 29th Apr 17, 8:31 AM
    • 687 Posts
    • 2,816 Thanks
    Needhelpsaving
    • #6
    • 29th Apr 17, 8:31 AM
    • #6
    • 29th Apr 17, 8:31 AM
    Hi,

    Could I please join in this month? I really need to stop making small, regular spends like buying lunch at work etc.

    Thanks
    Target 1 - Emergency Fund Currently £7839.91/£10,000

    Target 2 - Pay Mortgage Down to £65,000 by 31/12/18 Was £71,006.49 (01/01/18) Now £68,498.25 (09/04)
    • Toni'sfriend
    • By Toni'sfriend 29th Apr 17, 9:46 AM
    • 1,245 Posts
    • 12,029 Thanks
    Toni'sfriend
    • #7
    • 29th Apr 17, 9:46 AM
    • #7
    • 29th Apr 17, 9:46 AM
    Me too, please
    • Fmess
    • By Fmess 29th Apr 17, 11:32 AM
    • 2,685 Posts
    • 25,718 Thanks
    Fmess
    • #8
    • 29th Apr 17, 11:32 AM
    • #8
    • 29th Apr 17, 11:32 AM
    Me too please 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
    • Eager_Elephant
    • By Eager_Elephant 29th Apr 17, 11:37 AM
    • 4,332 Posts
    • 24,377 Thanks
    Eager_Elephant
    • #9
    • 29th Apr 17, 11:37 AM
    • #9
    • 29th Apr 17, 11:37 AM
    Thanks misstara - count me in for May.
    Ninja Saving Turtle No. 34 for April
    NSD - 0/15
    (up to 2/4/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • x_raphael_xx
    • By x_raphael_xx 29th Apr 17, 1:12 PM
    • 3,501 Posts
    • 18,192 Thanks
    x_raphael_xx
    I'm back! Sign me up please
    Debt Free as of 17/01/2009 Turtle Power!!
    April NSD's - 4/25 / Lose weight 7.4 lbs / 50 lbs
    EF Challenger #36 £6.25/£2000
    • f0xh0les
    • By f0xh0les 29th Apr 17, 2:17 PM
    • 1,359 Posts
    • 11,091 Thanks
    f0xh0les
    The force is strong at the moment. Count me in too.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,000April £107.---
    NEXT GOAL is sub £105k before JulyMortgage-free wannabe 2018 #161
    • 498louise
    • By 498louise 29th Apr 17, 5:16 PM
    • 65 Posts
    • 534 Thanks
    498louise
    Sign me up too please
    NSD May: 0/16
    Make £5 a day in May: £0/£155
    Credit Card1: £0.00
    Credit Card2:
    Very account: £0
    • ilovetea
    • By ilovetea 29th Apr 17, 6:10 PM
    • 862 Posts
    • 6,662 Thanks
    ilovetea
    Can I join please?

    ilovetea xx
    #10 Make £2018 in 2018. £338.99
    • crazy_cat_lady
    • By crazy_cat_lady 29th Apr 17, 6:25 PM
    • 3,422 Posts
    • 29,361 Thanks
    crazy_cat_lady
    Me please misstara - thanks for running the challenge
    DFD 6 Nov 15 - paid £28,447
    • Ladykernow
    • By Ladykernow 29th Apr 17, 6:37 PM
    • 244 Posts
    • 848 Thanks
    Ladykernow
    Count me in for May please!
    Dec 2017 - Dec 2018 ~ Save £5000 £404/£5000
    • mrshubbard
    • By mrshubbard 29th Apr 17, 7:49 PM
    • 176 Posts
    • 1,152 Thanks
    mrshubbard
    After a half hearted April debt busting effort I'm back whole heartedly this month I haven't managed the 16 NSDs yet so this is that month.
    1 debt vs 100 days -
    Debtfree by Xmas
    NST - 1/18 NSDs £54/£250 food 0/£60spends
    Debts - CC1-£4438.89 £4329.82 CC2-4560.38 £3672.52 CC3-£10,326£10,155.85 CC4 - £3286
    • FurryBeastOz
    • By FurryBeastOz 29th Apr 17, 8:06 PM
    • 1,193 Posts
    • 15,845 Thanks
    FurryBeastOz
    I really need to find the force. Fast. So I'm in. I've done my budget for next month, and its all covered. So the whole of next months rental income can go into savings as a buffer against August onwards until we have a resolution to what the h*ll we are doing after November.

    I've reviewed all the utilities. Unfortunately I can't switch anything as it's possible we will end up leaving the country for a year and they all want a tie-in. Very frustrating. However I have cancelled my Paycare as it wasn't paying its way now my eyes have settled. I'll squirrel the £35 into savings against emergencies.

    I'll try hard to post daily, as I really finds it helps me focus.

    I'm off to try and find my goals from January to see how I'm doing.
    Goals - Weight loss 6/26lb at 22nd Jan 18
    • mothernerd
    • By mothernerd 29th Apr 17, 8:10 PM
    • 2,344 Posts
    • 24,374 Thanks
    mothernerd
    I was going to sit this one out but count me in. Gratitudes I can do, posting I an do (internet permitting), will go and wrangle my positive head on. May is a new start.
    This year I will be fierce
    NST Apr #3 SFD 12/15 Food £82£120 Travel £18.70/£15 Ent £0/£30 (+ £20 membership fee)
    No Debt No mortgage
    • apple muncher
    • By apple muncher 29th Apr 17, 9:16 PM
    • 7,169 Posts
    • 53,924 Thanks
    apple muncher
    I'm also a May baby, and will become a step-grandma this month too! And my step dd (who is having the baby) is a May 4th baby herself.

    Count me in.
    NST April #17; NSD 14/15 ; Ex 16/20 ; craft 16/30 (48); remove 385
    2018 Pay off: £1188; 2
    018 sell

    Mortgage £21,904 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • SkintTeacher
    • By SkintTeacher 29th Apr 17, 10:21 PM
    • 333 Posts
    • 1,902 Thanks
    SkintTeacher
    Me oooh oooh me please!!!
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