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    • misstara
    • By misstara 28th Apr 17, 11:16 PM
    • 2,676Posts
    • 18,882Thanks
    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 2
    • SkintTeacher
    • By SkintTeacher 29th Apr 17, 10:22 PM
    • 333 Posts
    • 1,902 Thanks
    Mothernerd - glad you're not sitting it out. I'd have worried x
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 29th Apr 17, 11:00 PM
    • 697 Posts
    • 3,844 Thanks

    Can I join in this month please? Have lost track of my April shenanigans but need to get back on board as I have been very naughty and booked a summer holiday for next year.
    Pay all debt off by Christmas 2018 #150 - 895.62/2018
    SPC11 #564
    • abundant1972
    • By abundant1972 30th Apr 17, 1:22 AM
    • 1,227 Posts
    • 9,215 Thanks
    Thanks Misstara - count me in
    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!
    • misstara
    • By misstara 30th Apr 17, 6:35 AM
    • 2,676 Posts
    • 18,882 Thanks
    That's everyone numbered up to here
    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.
    • x_raphael_xx
    • By x_raphael_xx 30th Apr 17, 10:24 AM
    • 3,500 Posts
    • 18,179 Thanks
    May's Challenges

    Aim for at least 16 20 NSDs
    - Last month was a biggy, so want to keep a tight reign in May.
    Pay to your savings first - Wanting to reach 1000 savings total this month.
    Daily gratitudes -
    Go outside -

    2017 aims:

    Lose weight
    Getting there slowly. I reached my first 10lb goal last month, then promptly put some of it back on again.
    BF is fed up with being overweight too, we have found a deal for a months worth of Diet Chef each, so the food will be managed (we're cooking over the weekends to break up the monotony)
    I went to the gym for the first time in forever last week. I've decided to sign up with a PT, but will meet just once a month to check I'm on track. She destroyed me, I still can't move my arms!
    My next target is 20lbs off my start weight.
    Buy a house
    Paperwork is still ongoing. We are 13 weeks in and awaiting sellers solicitors answers to search enquiries.
    Hopefully we will get some good news soon.
    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
    • Toni'sfriend
    • By Toni'sfriend 30th Apr 17, 11:29 AM
    • 1,245 Posts
    • 12,029 Thanks
    Goodness 1st May tomorrow.
    Have reviewed budgets and set aside all the out goings so I know where I am. Have to say it's not exactly where I'd like to be but never mind I'll manage. Think I've got away a little from my plans so have to get back to being more MSE. Freezers are looking better but still a bit to go. Need to get back into proper meal planning and stick to it. As usual I prefer to watch the pennies rather than set NSDs.
    Can't do anything with the porch until the building work is done and it doesn't look like starting anytime soon but I'll get out in the sunshine (?) by keeping up the walking.
    Failed miserably with the weight loss and drinking. Back to square one. Just needs some discipline and willpower.
    Enough to be going on with for now.
    Good luck, everyone.
    • Lauralozzle
    • By Lauralozzle 30th Apr 17, 12:53 PM
    • 560 Posts
    • 4,955 Thanks
    May Challenge

    NSD - I will aim for 16.

    Pay debts/savings first - Money has been transferred to joint account for bills/debts. Money has also been transferred to savings account for the wedding.

    2017 Aims

    Save, save, save! - So, the main focus this year is to save up for the wedding. This has started off very well - and I was above my target. I'm still saving according to the plan but I'm down on where I thought I would be, although hopefully this money can be recovered.

    My mother is buying my wedding dress but it was ready to collect two weeks ago and she didn't have the funds to pay the rest of it off. To avoid any drama at the bridal store I paid the rest of it off there and then and it is now at my mothers house (we have to keep it until about 8 weeks before the wedding and then I go back in for alterations which is an extra 200). Now, I do hope that my mother does pay me back, and she said she will, but I am not counting on it 100%. Things at her work place are not going well so there is an expectation in the back of my mind that she will leave.

    I want to be fully prepared in case she cannot pay me back, so I am going to try and save really hard to make up the difference. This is going to be tough because we are stretched as we are (we are now saving 400 a month and there is not much room to cut anything else as our bills have gone up! Damn gas and electricity! Furthermore, we still have debts to pay as both cars are on finance).

    I have some gold that I didn't really want to sell (my grandmother gave it to me and I have already sold some of it) but I might keep a few pieces for keeps sake and sell the rest. I haven't made my mind up yet though. An extra 700 will have to be found somewhere. The only logical place I can think is food shopping and stop all takeaways. Tom won't be pleased with that but it's the only thing I can think of doing.

    To top that off the heal in my boots caved in last week, but they're still wearable and summer will be here before I know it and I can start wearing my sandals then.

    Weight loss - Well, let's pretend that wasn't a target because I haven't lost anything! In fact, I've gained a few. This I really need to get under control!
    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
    • bizzie
    • By bizzie 30th Apr 17, 3:27 PM
    • 143 Posts
    • 1,710 Thanks
    Can I join in please.
    Will be back later with update/review on how the year has gone since setting year's targets back in January.
    Groceries 16.40/300.00 Personal Spend /100.00
    NST April #28 NSD 9/15 @12/04/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • greent
    • By greent 30th Apr 17, 7:15 PM
    • 6,900 Posts
    • 70,650 Thanks
    Busy month coming up, but I shall aim to post every day - and really like the daily gratitudes Garden is in need of attention - suspect Whit week will be when I get to spend a decent amount of time in it

    Goals set in Jan: "By the end of the year I want to have halved the (non mtge) debt we have and have lost 20lbs - and also get fitter along the way"
    Debt-busting - as at 30/04 we have paid 8983 off our debt - (I also set a target for the year of 10k, so we will more than achieve that bit) of 21711. We will definitely more than halve it this year
    Weight loss & fitness. As at 31/03 I had lost 8lbs and was regularly doing Zumba, started c25k and also HIITs. A cold which went to my chest for 3 weeks and the Easter break and no willpower meant I've done nothing and have eaten rubbish . Am back on it for May! Will report back at month end

    NSDs - as usual, will monitor, but not setting an actual target as budgets are more my thing

    Debts are taken by DD. Extra monies made/ received (fleabay, cashback etc) go to a separate account for extra payments
    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
    • mrshubbard
    • By mrshubbard 30th Apr 17, 8:02 PM
    • 176 Posts
    • 1,152 Thanks
    I'm aiming for the 16 NSDs. Hopefully will hit it this time.

    Paying debts first - We've done this months budget and have put money in the joint account for dds, drawn out our spends, earmarked what is left for our final car payment, cc payments, work on the garden and left a little spare in case of emergencies. If we beat our food and spends budgets at the end of the month the left over will go to our car payment cc.

    I didn't do the January challenge so will make my 2017 aims now.

    Debts -

    1) We have 6500 as a final payment for the car this month. I want this clear by Xmas 2017.

    There's at least 500 spare in this months budget to go to it. I have shares to sell for 3000 of it but want to hold off a bit as the value's dropped and typically picks up in July plus I get dividends then too of at least 100. 2100 is covered by the payment we'd usually pay to the car monthly anyway. This leaves 800, I'm hoping the shares will go up and cover a bit more of this. I'm also planning to make extra payments each month over the 300 out of whatever's left each month. I get a Christmas bonus of 200, have more shares I could sell in October and I'm also doing the 365 day penny challenge so should have 600ish saved by Xmas if needed but I'd rather clear it without touching these.

    2) To clear my overdraft of 1000 instead of being right up to it each month so we've always got that to use for emergencies only

    Health & happiness

    To be more positive about my life

    Things are going well now with family & friends, our money situation is improving. I would like a new job but I know this is something I can change. I think continuing the daily gratitudes will help with this. To try to regain my fitness once bubs is here but slowly and not putting pressure on myself. I'm struggling with my hip at the minute but have ordered a yoga dvd and hoping this will help a little until he arrives.
    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 CC3-10,32610,155.85 CC4 - 3286
    • pippy1971
    • By pippy1971 30th Apr 17, 8:37 PM
    • 144 Posts
    • 862 Thanks

    Please could I join? I've very much lost my MSE ways of late and my finances are looking dire , so I need some motivation to keep my debit card in my purse.

    Thank you!
    • bizzie
    • By bizzie 1st May 17, 12:29 AM
    • 143 Posts
    • 1,710 Thanks
    Pinch, punch first of the month...

    Aiming for 16NSDs, SOs set to pay to "savings", debts will be paid manually as funds become available.
    Outdoors I need to focus on this else the growing season will be well under way and seeds will still be in the packets - that's if I haven't left it too late already...
    Aims for 2017
    Self continue trying to organise household - mainly declutter.
    Health still need to work on healthier diet & activity level.
    Wealth - annual budget has been put down on paper, will continue to review as the months goes on.
    Last edited by bizzie; 01-05-2017 at 12:30 AM. Reason: missing word
    Groceries 16.40/300.00 Personal Spend /100.00
    NST April #28 NSD 9/15 @12/04/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • Jo Blogs
    • By Jo Blogs 1st May 17, 1:58 AM
    • 730 Posts
    • 2,597 Thanks
    Jo Blogs
    Good morning everyone

    Today will be NSD No.1 here

    Wisning you all a super force day!
    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
    • crazy_cat_lady
    • By crazy_cat_lady 1st May 17, 7:30 AM
    • 3,422 Posts
    • 29,358 Thanks
    Happy May everyone
    Let's do this!
    Today I'm already grateful for an extra day off work
    DFD 6 Nov 15 - paid 28,447
    • Eager_Elephant
    • By Eager_Elephant 1st May 17, 10:09 AM
    • 4,331 Posts
    • 24,373 Thanks
    May Goals:

    Garden will be spending loads of time in the garden getting it ready for all the vegetables we want to grow. Need to get DH to plant the seeds in the next few days.

    2017 Goals:
    Buy the house we live in under Right To Buy on hold until DHs job is made permanent.
    Clear at least 3000 of debt. - 872.64 of my own debt cleared so far.
    Socialise more not yet but now the weather is warming up we can have BBQs
    Make a decent income from our smallholding. still prepping for this. Will definitely have pigs this year but they are for us and not really to sell.

    Stretch target unfortunately all my spare money will be spent this month as I have a weekend away with the girls. I am going to set up a s/o for 100 to one of my debts so it comes out without me having to think about it. If I do that from 1/6 then I will only need to find 600 by Dec to have cleared 3k.

    NSDs will aim for 16

    Savings s/os come out on the 1st.
    Ninja Saving Turtle No. 34 for April
    NSD - 0/15
    (up to 2/4/18)
    My Diary is here - (Eager Elephants Effective Everyday Excursion)
    • ChasingSunshine
    • By ChasingSunshine 1st May 17, 1:42 PM
    • 126 Posts
    • 980 Thanks
    Can I join in please? I have fallen completely off the money saving wagon and am hoping the thread will help to keep me motivated in what has the potential to be a very expensive month.

    Today is not a NSD as overslept so came to lunch without any food. I wouldn't have been too bad except my lunch bag today also included the replacements for my food stash so had no way to tide myself over. Will get fuel and some other bits later so at least it should be a NSD tomorrow.
    • ilovetea
    • By ilovetea 1st May 17, 5:03 PM
    • 862 Posts
    • 6,662 Thanks
    Happy May everybody.
    Aiming for 20 NSD again.Today was the first
    120 for household and 40 for me though I didn't use it all last month.
    Money goes into savings on the first of the month,though it might be tomorrow with it being a bank holiday.
    In January I aimed to loose 50 lbs. I am now aiming to loose 54 lbs
    No ones fault but mine.
    Second aim was to make 2017 in 2017. Made a bit but could try a lot harder.
    Need to de-clutter big time as it's getting me down having stuff all over the place.
    That's it for now.
    ilovetea xx
    #10 Make 2018 in 2018. 338.99
    • abundant1972
    • By abundant1972 1st May 17, 5:39 PM
    • 1,227 Posts
    • 9,215 Thanks
    Happy 01st May

    It seem like only yesterday you were running the challenge Misstara - 4 months on and here we are!!! Thank you again for this month, following on from a great April with EagerElephant.

    NSD Goal : Aim for 20 - That will give me Wednesday, Saturday or Sunday as a spend day, and 2 flexi-days.

    2017 Goal Review :

    1) Becoming Debt Free
    I am hopefully going to clear the ones I have - although my car has yet to be sorted. I will use what I have in my EF first, then re-build that. I think I'll start a 'new car' fund too...

    2) Exercise/Be healthy
    I will aim for 1 x Nature Walk/week, 2 x gym sessions/week, and aim to use the stairs (not lifts) at work. I am adding the odd evening home-workout when I feel inspired!

    3) Mindfulness.
    I will do 10 minutes of Mindfulness every day, read at least 1 book on health/well-being and keep a mood diary to learn about and tame my !!!8216;black dog!!!8217;. Ok - A lot of resistance to this - I don't know why... So, I'm going to introduce a reward system to help me into the habit - like I did with exercise. I will squirrel away 150 for my birthday in November.. (There are about 30 weeks until then. At 5 sessions/week x 30 = 150). I am only allowed the money if I have earned it. If not - it goes to charity.

    4) Mortgage
    I will keep saving 200/month in my Help To Buy ISA. My EF fund is going to be pretty empty post car - but will continue to also save - aiming for a 3 month EF [Target 4500.00] at 250/month.

    5) Overcoming anxiety
    I am allowed 25/Month which I MUST spend on a social outing with other people, or I lose it. Go on 1 date this month.

    I am feeling positive... I am back on form with my eating... Just meal prepped for the week, and have cut out all processed rubbish. I am allowed a cheat meal, and a few treats at weekend though. I will get a six pack if it kills me (it probably will haha!!!)

    Hugs all - let's make May an awesome month!!!
    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!
    • SkintTeacher
    • By SkintTeacher 1st May 17, 5:47 PM
    • 333 Posts
    • 1,902 Thanks
    Aiming for 20 NSD this month. Need this to happen as I got distracted by my little one in asda and some %*#=# nicked my cash back from the till! I have a crime number but I'm not hopeful! What a start to May!

    Oh well, apart from that I had the most fabulous bank holiday with my son. Even did a bit of gardening and visited my Dad (he's in a home). Then a park visit.

    I'm well on track with weight/exercise but must be more disciplined about spending. Savings have gone by DD but I am going to have to work hard not to re direct any back to my current account by the end of the month.

    Best of luck all! Yoda best! (Little reference in there although I know we're not really doing the theme)
    • greent
    • By greent 1st May 17, 5:53 PM
    • 6,900 Posts
    • 70,650 Thanks
    Ok - reporting in for Day 1. Not NSD - nipped to smkt for chilli beans, custard and milk (spent 9.18 on groceries) But have made a tray of flapjack for lunchboxes using up a pack of apple & cinnamon muesli which DS1 brought back from cadet camp, made soft rolls for lunchboxes, pasta sauce for tonight - and a huge pan of chilli using up the manky peppers from the fridge, some previously frozen peppers, 3 past-their-best courgettes and some wrinkly mushrooms - as well as a packet of salsa found in the pantry and the end of a tube of tomato puree. Some food saves there!

    Also spent time last night/ this morning sorting out our car insurances - we had a multi car policy and renewal quote was over 2200 (DD is on my car policy and only passed her test 10 months ago) Online sites got it down to under 1500 for both cars, with improved cover. Rang up current insurer to cancel renewal - and they managed to get it down straight off by 650 from their renewal - makes me so cross that they don't reward loyalty but penalise it instead . Stuck with our new online deals and we have even managed to get 50 cashback tracked already However, we clearly need to put more away each month to save for car insurance renewal whilst children are on the policy! (DS1 is 17 - so will also add him once he has passed)

    Funds are tight this month as a result! Am hoping that (once VAT return has been done this month) we can take some funds out of OH's co (we left some dividends payments in there just over a year ago) and get back on keel.

    Debt busting - small ebay sale today - funds transferred to 'extra pymts account' already
    Weight/ fitness - the least said about today's efforts, the better!

    Today's thankfulness:
    * it's a Bank Holiday - no work/ school for any of us!
    * another ebay sale - money in/ clutter out
    * some YS items bought in small Tesc0 shop
    * playing board games with the smalls
    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
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