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  • FIRST POST
    • misstara
    • By misstara 28th Mar 18, 10:20 PM
    • 2,872Posts
    • 20,324Thanks
    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 1
    • misstara
    • By misstara 28th Mar 18, 10:21 PM
    • 2,872 Posts
    • 20,324 Thanks
    misstara
    • #2
    • 28th Mar 18, 10:21 PM
    • #2
    • 28th Mar 18, 10:21 PM
    1. misstara
    2. sashanut
    3. mothernerd
    4. Fmess
    5. DawnW
    6. greent
    7. swimminginaseaofdebt
    8. *snow*white*
    9. thriftylass
    10. Toni's friend
    11. dolly84
    12. indigowarrior
    13. BadBookkeeper
    14. Kerry Woman
    15. Lavenderbee
    16. Icc86
    17. applemuncher
    18. Dottydaisy
    19. Debtfreewannabme
    20. Puddleglum
    21. CosmicZebra
    22. FrankieM
    23. erin_transport
    24. Dorastar
    25. laurenh1
    26. Whatshername
    27. a_silver_lining
    28. bizzie
    29. shabbychic12
    30. x_raphael_xx
    31. Igamogam
    32. Jonesy88
    33. DancingDragons
    34. Eager_Elephant
    35. lauradora
    36. Calling14
    37. mummylewis
    38. f0xh0les
    Last edited by misstara; 06-04-2018 at 6:04 PM.
    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 28th Mar 18, 11:23 PM
    • 2,924 Posts
    • 27,119 Thanks
    sashanut
    • #3
    • 28th Mar 18, 11:23 PM
    • #3
    • 28th Mar 18, 11:23 PM
    Hi there MissTara

    Could I please join in again....I'm still very much a WIP but I do try = tkyou!!
    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
    • mothernerd
    • By mothernerd 29th Mar 18, 2:33 AM
    • 2,499 Posts
    • 26,108 Thanks
    mothernerd
    • #4
    • 29th Mar 18, 2:33 AM
    • #4
    • 29th Mar 18, 2:33 AM
    Oh no, everything went black. Please include me. was thinking of sitting this one out as I may break the odd rule. Baggsying a takeaway because you haven't excluded them (yet).

    I will also be prioritising healthy eating above cost considerations (wash my mouth out with soap) but as I have lots of fish and veg in the freezer and have several meals out planned (other people paying) I should be okay if I keep last month's food budget but use it better.

    Lovely challenge misstara.
    This year I will be fierce
    NST Sep #14 SFD 2 /15 Food £98.30/£200 Travel 99.80/£15 Ent/diy £0/£30 Ext wedding stuff
    No Debt No mortgage
    • misstara
    • By misstara 29th Mar 18, 6:30 AM
    • 2,872 Posts
    • 20,324 Thanks
    misstara
    • #5
    • 29th Mar 18, 6:30 AM
    • #5
    • 29th Mar 18, 6:30 AM
    mothernerd - enjoy your takeaway . I'm not excluding them from this month's challenge as me and OH are planning to have one . I'm also not excluding coffee shops, lunch out, etc as long as it is planned and budgeted for.
    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.
    • Fmess
    • By Fmess 29th Mar 18, 7:18 AM
    • 2,750 Posts
    • 26,389 Thanks
    Fmess
    • #6
    • 29th Mar 18, 7:18 AM
    • #6
    • 29th Mar 18, 7:18 AM
    Thank you for running it, please count me in
    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
    • DawnW
    • By DawnW 29th Mar 18, 7:56 AM
    • 5,209 Posts
    • 41,224 Thanks
    DawnW
    • #7
    • 29th Mar 18, 7:56 AM
    • #7
    • 29th Mar 18, 7:56 AM
    Thank you Miss Tara. Can I join please?

    • greent
    • By greent 29th Mar 18, 8:31 AM
    • 7,340 Posts
    • 74,434 Thanks
    greent
    • #8
    • 29th Mar 18, 8:31 AM
    • #8
    • 29th Mar 18, 8:31 AM
    Count me in, please Thank you 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) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 29th Mar 18, 8:35 AM
    • 815 Posts
    • 5,074 Thanks
    swimminginaseaofdebt
    • #9
    • 29th Mar 18, 8:35 AM
    • #9
    • 29th Mar 18, 8:35 AM
    Morning,

    Can I please be added to the list? Been a while since I did one of these challenges.
    Debt 1 - £182.93/£2538
    SPC11 #564
    • *snow*white*
    • By *snow*white* 29th Mar 18, 9:03 AM
    • 125 Posts
    • 859 Thanks
    *snow*white*
    Hi can I sign up for this please
    1DV100 £0/£2250
    "Little by little one travels far"
    • thriftylass
    • By thriftylass 29th Mar 18, 9:07 AM
    • 3,381 Posts
    • 27,788 Thanks
    thriftylass
    Count me in too please,

    Thanks
    TL
    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
    • Toni'sfriend
    • By Toni'sfriend 29th Mar 18, 9:14 AM
    • 1,610 Posts
    • 15,340 Thanks
    Toni'sfriend
    We're going away for 2 weeks in April so I thought I might not be able to join in but if I don't have to count in my meals out (all budgeted for) I'd like to join this month.
    • dolly84
    • By dolly84 29th Mar 18, 9:20 AM
    • 3,994 Posts
    • 36,898 Thanks
    dolly84
    Thanks misstara, count me in.

    The kids break up today for the Easter hols so we do spend more over this period than normal plus we are going to Edinburgh next week, all saved for but still spendy, it's the first time we've been and it's a long way so I'm not going to miss seeing the things we want to see just because they cost money but we will of course be doing lots of free things and generally being sensible.

    I'm still continuing with my 'buy nothing new' year and apart from decorating items and curtains for DD's room (I tried to buy second hand but no luck) I've stuck to it. Plus I am still plugging away at going 'low waste' (it's called Zero waste but that is impossible), we have made some good changes but it is hard.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • indigowarrior
    • By indigowarrior 29th Mar 18, 9:37 AM
    • 671 Posts
    • 5,045 Thanks
    indigowarrior
    Please sign me up. I am not sure how many NSDs I will aim for at the moment. There is a high chance that I will be living in a B&B or travel lodge from the 21st April as I will be homeless, so may need to buy food daily. However, I wont know until then.
    #545- SPC September No Spend 4/15
    • BadBookkeeper
    • By BadBookkeeper 29th Mar 18, 10:14 AM
    • 123 Posts
    • 872 Thanks
    BadBookkeeper
    Count me in please - I like the 20% extra challenge!
    • Kerry Woman
    • By Kerry Woman 29th Mar 18, 12:20 PM
    • 2,453 Posts
    • 23,912 Thanks
    Kerry Woman
    Can you please count me in.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST September: Sunshine Challenge NSD 14/20
    • LavenderBee
    • By LavenderBee 29th Mar 18, 1:01 PM
    • 306 Posts
    • 1,553 Thanks
    LavenderBee
    Count me in too please, I enjoyed last month, definitely felt more focussed. Will go through targets and budgets when I have my notebook in front of me. Hubby is away for the whole month (and some of May too) so I've got no excuse not to scrimp (I'm far less fussy than he, though thinking about having a takeaway the night he goes away as I'd definitely order a lot less and I've been craving one).
    • lcc86
    • By lcc86 29th Mar 18, 2:22 PM
    • 1,047 Posts
    • 3,517 Thanks
    lcc86
    Ooh count me in please! March was terrible, used a bunch of my savings for various things, then overspent on a weekend away in Bath and also messed up my normal budget so had nothing left for the last week and a half of the month.

    This month I'll be going on what I call a spending fast, so I'm aiming to only buy essentials and to only have 5 spend days all month whether that's realistic is another matter but I'll try my best!
    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
    • apple muncher
    • By apple muncher 29th Mar 18, 3:43 PM
    • 7,687 Posts
    • 58,000 Thanks
    apple muncher
    Count me in please! Love the challenge.

    Indigo warrior - take care. Hope things resolve themselves for you quickly.
    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
    • Kerry Woman
    • By Kerry Woman 29th Mar 18, 7:23 PM
    • 2,453 Posts
    • 23,912 Thanks
    Kerry Woman
    indigowarrior - Sorry to hear your news. Hope you get the help to sort out the issue. Sending you hugs.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST September: Sunshine Challenge NSD 14/20
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