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  • FIRST POST
    • misstara
    • By misstara 28th Mar 18, 10:20 PM
    • 2,876Posts
    • 20,341Thanks
    misstara
    NST April 2018: April Fool's Challenge
    • #1
    • 28th Mar 18, 10:20 PM
    NST April 2018: April Fool's Challenge 28th Mar 18 at 10:20 PM
    Welcome to NST April 2018, the April Fool's challenge.

    Aim for at least 15 NSDs. Usual exceptions apply, you won't lose a NSD for ys items, petrol or medical expenses.
    Pay to your debt or savings first and live off the rest.
    Report in every day. The daily support from this thread will keep you on track
    Interests - is there any hobbies that you'd like to take up or perhaps an old hobby that you'd like to start again. This is the month to do it, let us know what you plan to do
    Love yourself, do something to make yourself feel fab - wear a bright scarf, get your eyebrows done, have a bath, put on your fave perfume.

    Find time to get outside. Lighter nights are now here so get out in the garden, go for a walk. Fresh air is good for everyone
    Overpay - aim to pay 20% extra to your debt or savings. It's up to you how you do this - overtime at work, saving money on the food bill, selling items.
    Organise your month. Check your cupboards, make a meal plan and stick to your food budget. Plan any social events and budget for them, ideally come up with free alternatives.
    Lose one bad habit. Mine's is a food related one but it can be anything you like.
    Sign off your daily post with a list of gratitudes.

    So that's the challenge, who's up for it?
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £570.94 (75.2% paid)
    Car debt Nov 2017 £797.68 Now £406.58 (49% paid) + monthly payments £146.82 9/60
    Emergency fund - £77.04/£1000. Car fund - £240/£1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target £74.23/£200. NSD target 6/20.
Page 19
    • greent
    • By greent 16th Apr 18, 8:09 PM
    • 7,354 Posts
    • 74,539 Thanks
    greent
    Day 16
    Aim for at least 15 NSDs. Usual exceptions apply, - Still 5/15
    Pay to your debt or savings first and live off the rest. - ok (done)
    Report in every day. ok
    Interests -- am going to ease myself back into fitness this month and read more -running total -2 walks, 4 books.
    Love yourself - using up face creams etc (micellar water, serums) on a daily basis - hoping my skin will benefit -

    Find time to get outside. - - hanging out/ bringing in 2 loads of washing, sorting some things around the garage and checking out the work done in neighbour's garden
    Overpay - aim to pay 20% extra to your debt or savings. - Put an extra £250 to the savings acct for final pymt on OH's car - Also so far an extra £265 set aside for OH's car from fleabay and previously missed/ unclaimed expenses. Also paid over £200 OP to BTL mtge
    Organise your month. - DS1's 18th birthday mid month
    Lose one bad habit. - a certain game which I've spent waaay too much time on in March.... - not touched it today (this has gone very well)
    Sign off your daily post with a list of gratitudes. - yes
    Today I am grateful for:
    * OH cooking dinner
    * 2 loads of line dried washing
    * DS3 being in a fantastic mood and being so loving
    * all 3 boys going back to school ok
    * DS2 enjoying his after school club
    * loads of YS goodies in Tesc0 tonight

    Budgets:
    Food 249.00/450
    Travel 64.60/ £75
    Gifts (inc cards etc) 8.25/£150
    Toiletries 6.89/£10
    Cleaning 11.19/ £10 (stocked up on dwasher tabs)
    Social 85.50/£150 - (pub & bday lunch)
    Clothing 132.60/ £75 (OH 2 x boots, 1 x coat, DS1 Y13 Leavers Hoody)
    Last edited by greent; 17-04-2018 at 12:31 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. 2018 OPs (#18) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
    • Kerry Woman
    • By Kerry Woman 16th Apr 18, 8:45 PM
    • 2,457 Posts
    • 23,943 Thanks
    Kerry Woman
    mothernerd - Sending you hugs.
    A - 10/15 NSD achieved today.
    R - Done.
    I - Read book during lunch time.
    L - Used coconut oil on my skin and put on perfume.
    F - Walked to and from bus stop/work.
    O - Done.
    O - Still ongoing.
    L - Ok with social media today.
    S - Grateful for:
    Had a decent night's sleep.
    No trouble getting up for work.
    Had a pretty good day back at work.
    Went round friend's after work for a couple of hours.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST September: Sunshine Challenge NSD 16/20
    • apple muncher
    • By apple muncher 16th Apr 18, 8:53 PM
    • 7,698 Posts
    • 58,092 Thanks
    apple muncher
    Today I am grateful for such lovely weather, a good day at work, birdsong, helpful bus drivers, catching up with a couple of people, t'interweb and all its riches, dd enjoying her first day back, dh making dinner, cutting out some more moose and elephant bits, not needing ibu gel + a heatpad - handing them over to mothernerd for now.
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (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 16th Apr 18, 8:55 PM
    • 1,722 Posts
    • 14,623 Thanks
    f0xh0les
    NSD 10

    Made pizza for tea and a lemon tart for pud.

    Finished stripping hall, just need a plasterer now. The last one is too busy.
    Cleared out top floor bedrooms (3)
    Stripped DS1s bed and will wash his matress topper while he is away on his school field trip. Will get it out on the line. His room smells of boys.

    Used up a small tube of hand cream on my hands. Much needed after the wallpaper stripping.

    Necking anti-histimines like they are going out of fashion.

    Grateful today for washing machines. cars. mangoes and anti-histamines.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    Aug £103,999.99
    September £102,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • DancingDragons
    • By DancingDragons 16th Apr 18, 9:00 PM
    • 119 Posts
    • 1,320 Thanks
    DancingDragons
    Spendy day for me, but getting some bits for an upcoming trip - not a budgeted spend, but didn't know I needed them until the venue emailed. I did use a voucher to bring down the price that was due to run out.
    Took mum shopping, always enjoy pottering about with mum. No rushing with her.
    Fixed the signal in the bedroom. Wifi reaches again - so avoided buying a extender. Fixed DD1's dvd player. Tidied rooms, cleaned.
    Made SW friendly chocolate cake...(How many eggs?!)
    Found time for a cuppa

    Hope you won't be counting too many bruises in the morning, Mothernerd.

    Bag of bits to CS.
    Gratitudes:Goldfinches, Blackbirds and hawks making themselves known. Dawn. Spending time with mum. DD owning up to minor things. Me being a voucher hoarder.
    I can do this! Slimming World Challenge -34lb to 2019. Goal: - 14lb -4lb,
    Savings:0.00 Debt: 1,456WTC 11,989.29 goal DFD June 2020Thanks NSD Ninjas DFD April 2019
    • FrankieM
    • By FrankieM 16th Apr 18, 9:29 PM
    • 2,080 Posts
    • 18,981 Thanks
    FrankieM
    And I'm back. I've given myself a good talking to.

    11 NSD
    7 days of meditation
    still 0 days walking
    9 days not snacking
    And I'm grateful for:
    Grandchildren that make me smile
    People cooking me meals
    A book to read
    And the sunny weather
    Pay off Debt by Christmas 2018 #59
    £13,406.26/ £6993.17
    Frugal Living Challenge 2018
    • mothernerd
    • By mothernerd 16th Apr 18, 9:55 PM
    • 2,502 Posts
    • 26,128 Thanks
    mothernerd
    Thanks for all the hugs. I did get the washing in the machine, when I went downstairs to find something to eat. I also put a few things out on the line but wincing every step of the way.

    Mum also said I might be stiffer tomorrow but I must try to get to the doctor's (at least one bit of me can be sorted out).

    Have made birdhouses and beach huts from cardboard and paper, cut out tulips, leaves and a few other bits and am covering boxes with wallpaper (want the scraps for my birdhouses).

    Grateful for resting, for a variety of things to keep me occupied and food from the freezer.
    This year I will be fierce
    NST Sep #14 SFD 4 /15 Food £148.30/£200 Travel 99.80/£15 Ent/diy £15/£30 Ext wedding stuff
    No Debt No mortgage
    • misstara
    • By misstara 16th Apr 18, 10:50 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    NSDs - 10/15
    Report - 16/30
    Interests - no walk today, must do one tomorrow
    Love - some mascara and lipstick on for work today, wore one of my new tops
    Outside - spent an hour out in the garden after work planting onions and potatoes
    Overpay - nothing today
    Organise - got tea out with the girls on Thursday so had a look for vouchers
    Bad habits - no crisps
    Gratitudes - sunshine, actually finishing work on time , doing some gardening, yummy leftovers for tea
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £570.94 (75.2% paid)
    Car debt Nov 2017 £797.68 Now £406.58 (49% paid) + monthly payments £146.82 9/60
    Emergency fund - £77.04/£1000. Car fund - £240/£1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target £74.23/£200. NSD target 6/20.
    • sashanut
    • By sashanut 16th Apr 18, 11:04 PM
    • 2,927 Posts
    • 27,143 Thanks
    sashanut
    No 2 checking in
    Hi all

    Aim for at least 15 NSDs. Usual exceptions apply, you won't lose a NSD for ys items, petrol or medical expenses. Spent today so still 9/15 NSDs

    Pay to your debt or savings first and live off the rest. Added up March's expenses - horrifying is the word. Still need to split up cc spends to see what went where. Now have cc statement ready to total. Will need to use savings to pay for hols..in 10 days time! Spending pretty low this month so far.


    Report
    in every day. The daily support from this thread will keep you on track Here again..16/30


    Interests - is there any hobbies that you'd like to take up or perhaps an old hobby that you'd like to start again. This is the month to do it, let us know what you plan to do Have 2 so far - collecting hobby I have & someone got in touch to buy something connected to it - 4 years ago!! She got back in touch 2 weeks ago, have emailed her today & will attempt to find the item she wants...it's win-win as it will be money for savings too. Also, have Fairisle cushion to finish, usually do mindless knitting in front of TV, this doesn't come under that so never gets done. Finally retrieved fairisle cushion from back of chair where it was stuffed; realise to my shame haven't touched it in 18 months..despite that managed to find my place in the pattern & actually do a couple of rows. Bless highlighter tape!! Finally managed to identify all the different colours of the wool - hard when they are called irrelevant names & are missing the ball bands - only to realise I am missing a colour. Shan't need it until almost the end, might just use what I have left over. Finished another sock, will be able to make its mate on the journey to Ireland tomorrow.


    Love yourself, do something to make yourself feel fab - wear a bright scarf, get your eyebrows done, have a bath, put on your fave perfume. Perfume and makeup today in honour of visit to supermarket

    Find time to get outside. Lighter nights are now here so get out in the garden, go for a walk. Fresh air is good for everyone. Finished putting stones on path, looks much better & will stop more mud being splashed up on gazebo outside, which is spattered. Now need to get door repaired, have all bits but they need shaping. Outside for a short time, hope to get grass cut tomorrow to tidy it up. Dog who thinks compost bin is her personal Party bucket has found another way to get to the treasure - this time round the back of the garages... Dog 4 DH 1

    Overpay
    - aim to pay 20% extra to your debt or savings. It's up to you how you do this - overtime at work, saving money on the food bill, selling items. Will deffo try, will be in the form of selling collectibles or ebaying. Still making a PAD every day to keep cc balance under control.

    Organise your month. Check your cupboards, make a meal plan and stick to your food budget. Plan any social events and budget for them, ideally come up with free alternatives. Will do, need to reduce freezer stocks. Used left over cooked basmati, some salmon & peas from freezer, plus eggs & curry paste to make a kedgeree - tasty & used up some bits.

    Lose one bad habit. Mine's is a food related one but it can be anything you like. No snacking between meals. One Freddo bar, getting in holiday mode early..


    Sign off your daily post with a list of gratitudes. Grateful for: Lovely warm & dry day, got all mats washed & dried on line, more blossoms out in garden, tasty tea, holiday in prospect tomorrow!!
    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
    • f0xh0les
    • By f0xh0les 17th Apr 18, 7:16 AM
    • 1,722 Posts
    • 14,623 Thanks
    f0xh0les
    Gentle hugs this morning mothernerd.

    Today should be NSD 11

    The daily list has been written.

    I am pretending I know what I am doing - by the end of the day the house will be tidier and everyone will be fed , whether I am faking it or not.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    Aug £103,999.99
    September £102,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • thriftylass
    • By thriftylass 17th Apr 18, 8:57 AM
    • 3,381 Posts
    • 27,788 Thanks
    thriftylass
    Hope you feel better soon mothernerd.

    Filed my insurance claim for the rental car yesterday, hoping it won't take too long too get our money back.
    Otherwise really productive evening yesterday too. Looked out some holiday cottages, just need to book one soon now once DH had a look. Prepared SC dinner for tonight and some more lunches for the freezer using up LO and odd bits.

    Luckily DS just wants to have a few friends round the house for his 7th birthday, way cheaper. He wants a Minecraft/ ninjago/ Garfield themed party. Better get my thinking cap on for HM deco etc.

    Till later
    NST Sept
    SFD 4/20 spends ?!?!?/460
    Exercise 3/20
    Debt - all 0% 1200 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 102117 (09/18) OP 0
    • dolly84
    • By dolly84 17th Apr 18, 9:04 AM
    • 3,999 Posts
    • 36,929 Thanks
    dolly84
    sashanut - enjoy your hols.

    Dull again here today and rather windy too. Was going to go cycling first thing but it is just too gusty so will run later.

    No plans to spend today, nothing spent yesterday, all meals from stores. All rather boring tbh.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • laurenh1
    • By laurenh1 17th Apr 18, 1:07 PM
    • 567 Posts
    • 6,061 Thanks
    laurenh1
    Hi All

    A- today is NSD #9/15
    P-budgets still the same, still skint ha.
    R-Hello
    I-did some baking with my son and his friend who came to play yesterday
    L-another Harry Potter film watched, I cannot wait to watch the next one tonight. I have become a bit of a fanatic 10 yeqars after every one else. I have been meaning to read the books and watch the films since I was about 15 & I will be buying the first book on my next spend day
    F- went to the park yesterday with my son and his friend, it it sooo nice to be getting them out again,
    O-seems unlikely at this point that I will save any more. we have decided that the coin jar is for our garden in our new home, when we actually buy one. Hopefully next year.
    O- cleaned my car yesterday
    L- staying off my phone today and I have got a lot done
    S- grateful my bloods have come back clear, that my boys are settling in better at nursery & for my greass getting better as the weather improves
    • CosmicZebra
    • By CosmicZebra 17th Apr 18, 4:18 PM
    • 30 Posts
    • 328 Thanks
    CosmicZebra
    Having a terrible month money wise- only managed 8 NSDs. School holiday entertainment has wiped me out.
    Love yourself- now 9 days of no alcohol- not as hard as I thought.
    Weather is a washout.
    Full on at work, trying to stay positive.
    Very tired, will be grateful for a hot bath and a good sleep!
    Mothernerd hope you're feels no better
    Savings from frugal & simple living:
    Jan ISA& Save Acc £1600 Mort o/paid £250
    Feb ISA&save acc £1330.89 Mort o/paid£500
    March ISA&save ac£811.35 mort o/paid £250
    • CosmicZebra
    • By CosmicZebra 17th Apr 18, 4:20 PM
    • 30 Posts
    • 328 Thanks
    CosmicZebra
    Mothernerd- hope you're feeling better.

    Autocorrect fail- sorry.
    Savings from frugal & simple living:
    Jan ISA& Save Acc £1600 Mort o/paid £250
    Feb ISA&save acc £1330.89 Mort o/paid£500
    March ISA&save ac£811.35 mort o/paid £250
    • lcc86
    • By lcc86 17th Apr 18, 6:59 PM
    • 1,051 Posts
    • 3,553 Thanks
    lcc86
    Accidental spend day today, completely forgot to bring any lunch with me to work so had to pop out and get something. Rarely happens but I'm not going to beat myself up too much.

    The plan was to go to kickboxing this evening, but I really wasn't feeling it, so then I thought I'd go swimming, but felt the same about that in the end, so asked OH if he fancied a walk this evening. He said yes but had a few things to do, so I came home, have done about two hours of studying, still no sign of OH so will probably not do any real activity today after all! Must do better tomorrow! Think I'll go swimming after the chiropractor.

    Today I'm grateful for sunshine and for getting loads of my dissertation done - it finally feels less scary now!
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    £920/£1000 EF £500 saved for household jobs
    Debt free and in the black for the first time in 11 years
    • Kerry Woman
    • By Kerry Woman 17th Apr 18, 7:04 PM
    • 2,457 Posts
    • 23,943 Thanks
    Kerry Woman
    sashanut - Hope you enjoy your holiday.
    A - 11/15 NSD achieved today.
    R - Done.
    I - Read book during lunch time.
    L - Used coconut oil on my skin and put on perfume.
    F - Not done.
    O - Done.
    O - Still ongoing.
    L - Ok with social media today.
    S - Grateful for:
    Doing half an hour overtime.
    Taking it easy tonight.
    Catching up with a few household chores in flat.
    Last edited by Kerry Woman; 17-04-2018 at 8:54 PM.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST September: Sunshine Challenge NSD 16/20
    • greent
    • By greent 17th Apr 18, 7:23 PM
    • 7,354 Posts
    • 74,539 Thanks
    greent
    Aim for at least 15 NSDs. Usual exceptions apply, - Now 6/15
    Pay to your debt or savings first and live off the rest. - ok (done)
    Report in every day. ok
    Interests -- am going to ease myself back into fitness this month and read more -running total -2 walks, 5 books.
    Love yourself - using up face creams etc (micellar water, serums) on a daily basis - hoping my skin will benefit - Am also planning an early night as am shattered - won't be until 9.45 or so, as I have to collect DS1 from cadets around 9.30, but plan on a couple of chapters and then crashing out (hopefully into oblivion until 6am )

    Find time to get outside. - Raining again!
    Overpay - aim to pay 20% extra to your debt or savings. - Put an extra £250 to the savings acct for final pymt on OH's car - Also so far an extra £285 set aside for OH's car from fleabay and previously missed/ unclaimed expenses. Also paid over £200 OP to BTL mtge
    Organise your month. - DS1's 18th birthday mid month. Have also ordered presents for DS3's birthday (late mid May)
    Lose one bad habit. - a certain game which I've spent waaay too much time on in March.... - not touched it today (this has gone very well)
    Sign off your daily post with a list of gratitudes. - yes
    Today I am grateful for:
    * leftovers for dinner
    * it not raining at the time of school runs!
    * heating - just popped it on after coming back from swimming with DS3 as the house is cold from all the rain.
    * playing with some financial figures and beginning to get somewhere
    * not having enough washing to put a load on today (a very rare occurrence in the greent household! )

    Budgets:
    Food 249.00/450
    Travel 64.60/ £75
    Gifts (inc cards etc) 78.03/£150
    Toiletries 6.89/£10
    Cleaning 11.19/ £10 (stocked up on dwasher tabs)
    Social 85.50/£150 - (pub & bday lunch)
    Clothing 132.60/ £75 (OH 2 x boots, 1 x coat, DS1 Y13 Leavers Hoody)
    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) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
    • thriftylass
    • By thriftylass 17th Apr 18, 8:09 PM
    • 3,381 Posts
    • 27,788 Thanks
    thriftylass
    Productive evening. Weeding, trimmed the rosemary bush within an inch of its life and sorted the recycling bins. They told us the use will change after they were last emptied and nearly full again. So had to empty them in the drive and re-sort. Love the longer days, and got the kids tired outside too

    Hopefully some reading tonight
    NST Sept
    SFD 4/20 spends ?!?!?/460
    Exercise 3/20
    Debt - all 0% 1200 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 102117 (09/18) OP 0
    • apple muncher
    • By apple muncher 17th Apr 18, 8:19 PM
    • 7,698 Posts
    • 58,092 Thanks
    apple muncher
    Lcc - good to hear that you are winning against the dissertation!

    Today I am grateful for dd skipping in to school, for a really good session with my counsellor, for bus adventures to get where I wanted to go, for easy bus travel, for a lot of walking, for being able to do another kettlebell workout, for elephant making, for a good chat with dh, for dh buying us a car (!).
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
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