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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 2
    • Dottydaisy
    • By Dottydaisy 29th Mar 18, 9:28 PM
    • 79 Posts
    • 1,091 Thanks
    Dottydaisy
    Please count me in apart from not posting I do follow most of the rules.
    Indigo Warrior sending good wishes for yet another blow in your life. Take care. xx
    • Debtfreewannabme
    • By Debtfreewannabme 29th Mar 18, 11:19 PM
    • 107 Posts
    • 810 Thanks
    Debtfreewannabme
    Indigo warrior I am so sorry to hear this. Hoping you can get the help you need xx

    Pls can I be counted in the challenge xx
    I am now debt free - 20/03/18. Whatever your situation - just.keep.going!
    EF £1000/£1000 goal
    CHILDCARE Savings goal £600/£600
    EF 3 month goal £3,500/£3,500
    HOUSE DEPOSIT £0/£20,000
    • Puddleglum
    • By Puddleglum 30th Mar 18, 8:45 AM
    • 562 Posts
    • 4,637 Thanks
    Puddleglum
    Can I join in too please. I managed 12 days trying it out in March but that may have been higher as I hadn't spotted the rules about petrol and ys items.

    I've got a lot to be grateful for too.
    Last edited by Puddleglum; 30-03-2018 at 8:48 AM.
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    Pay off debts and save 2018. Time to turn my life around (candle moment).
    • CosmicZebra
    • By CosmicZebra 30th Mar 18, 11:28 AM
    • 30 Posts
    • 328 Thanks
    CosmicZebra
    Please can I join? Thanks
    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
    • FrankieM
    • By FrankieM 30th Mar 18, 12:13 PM
    • 2,077 Posts
    • 18,964 Thanks
    FrankieM
    Hi

    I've seen this challenge around but I have no idea what everything stands for and how it works...would someone mind explaining it all to me or pointing me in the direction of where it's explained?

    And then, once I know what I'm supposed to be doing, I'm sure I'd like to join
    Pay off Debt by Christmas 2018 #59
    £13,406.26/ £6993.17
    Frugal Living Challenge 2018
    • thriftylass
    • By thriftylass 30th Mar 18, 1:40 PM
    • 3,381 Posts
    • 27,788 Thanks
    thriftylass
    Hi

    I've seen this challenge around but I have no idea what everything stands for and how it works...would someone mind explaining it all to me or pointing me in the direction of where it's explained?

    And then, once I know what I'm supposed to be doing, I'm sure I'd like to join
    Originally posted by FrankieM

    NSD is a no spend day (no money spend apart form medical expenses or a trolley of exclusively YS items, rent of DD for leech etc)

    SFD is the same - spend free day

    YS are yellow sticker items, reduced item in the supermarkets

    All you're supposed to be doing is follow the rules in post 1, i.e. pay your debts first and live of the rest, budget the rest to live off. Have as many NSDs as possible, which requires forward planning (plan your meals and relevant shopping list, days out, birthday presents that need buying etc and do this spending on as few as possible days.

    Also worth checking out some of the previous threads especially the first few posts.

    Don't worry if you struggle with certain aspects at first, it is a learning curve.
    Last edited by thriftylass; 30-03-2018 at 3:52 PM.
    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
    • erin_transport
    • By erin_transport 30th Mar 18, 3:38 PM
    • 632 Posts
    • 2,743 Thanks
    erin_transport
    Can I join also!!!!
    :-)
    On a mission!

    2018 MFW #138
    • Dorastar
    • By Dorastar 30th Mar 18, 6:54 PM
    • 1,895 Posts
    • 15,752 Thanks
    Dorastar
    I also need to join, got to be more focused from now on
    Mr T 13199.04 Bank 3149.44 Mortgage £160,000
    Emergency Fund £2538 Blanket squares 33/60
    • laurenh1
    • By laurenh1 30th Mar 18, 7:13 PM
    • 567 Posts
    • 6,061 Thanks
    laurenh1
    me please xx
    • misstara
    • By misstara 30th Mar 18, 10:00 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    I've numbered everyone up to here
    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.
    • Whatshername
    • By Whatshername 31st Mar 18, 1:57 AM
    • 55 Posts
    • 317 Thanks
    Whatshername
    Hi,

    Would love to join you all. I have budgeted for literally everything this month so really need to stick to it. Hoping that aiming for NSDs will help me to stick to the budgets and my meal plan x
    #034 Sealed Pot 2018 Challenge - Declare 01st Nov
    #064 Pay debts by Xmas 2018 Challenge - £1262/£5252
    #042 100 ways for 1% challenge - 24%
    • FrankieM
    • By FrankieM 31st Mar 18, 7:27 AM
    • 2,077 Posts
    • 18,964 Thanks
    FrankieM
    So, is NST, No Spend Thread?

    Anyway, thanks for adding me. I'm looking forward to the focus and support
    Pay off Debt by Christmas 2018 #59
    £13,406.26/ £6993.17
    Frugal Living Challenge 2018
    • Fmess
    • By Fmess 31st Mar 18, 7:55 AM
    • 2,750 Posts
    • 26,389 Thanks
    Fmess
    NST are ninja saving turtles (what we call ourselves). The original thread was setup by ninja saving kat NSK and one day we became turtles, can!!!8217;t remember when lol
    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
    • apple muncher
    • By apple muncher 31st Mar 18, 8:35 AM
    • 7,698 Posts
    • 58,079 Thanks
    apple muncher
    Mothernerd gave us our brand when she was the brave soul who picked up the reins when nsk went travelling. That was many many moons ago 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
    • greent
    • By greent 31st Mar 18, 9:13 AM
    • 7,354 Posts
    • 74,533 Thanks
    greent
    Targets for the month.....
    OK - am getting ready for tomorrow....

    Aim for at least 15 NSDs. Usual exceptions apply, you won't lose a NSD for ys items, petrol or medical expenses. - ok - will monitor
    Pay to your debt or savings first and live off the rest. - ok (done)
    Report in every day. The daily support from this thread will keep you on track - ok
    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 - am going to ease myself back into fitness this month - broken toe is still painful and is on same foot when I tore a ligament which hasn't regained full mobility yet, but it's getting silly. I enjoyed what I was doing last year, so want to get back there again
    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. - will try and do something to this every day.... (Maybe)

    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 - ok. Garden needs lots of tlc and walks tie in with above
    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. - sold items and paid all money from job 2 to debt last week - managed over £450 extra. Will 'collect' extra monies this month (cashback, sales, job 2 pay at month end) and do it again
    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. - DS1's 18th birthday mid month - that's gonna cost...... Aside from that, food budget is £450 - school hols for 2 weeks so all 3 boys home and DD home from uni for 2 weeks (plus food parcel to go back with)
    Lose one bad habit. Mine's is a food related one but it can be anything you like. - a certain game which I've spent waaay too much time on in March....
    Sign off your daily post with a list of gratitudes. - yes

    Budgets:
    Food £450
    Travel £75
    Gifts £150
    Toiletries £10
    Social £150
    Last edited by greent; 31-03-2018 at 8:04 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
    • Toni'sfriend
    • By Toni'sfriend 31st Mar 18, 10:36 AM
    • 1,621 Posts
    • 15,408 Thanks
    Toni'sfriend
    First day of April tomorrow. Bills all paid or, at least, will be when the direct debits come out.
    1.Going on holiday for just over two weeks this month so the aim is to keep an eye on any unnecessary spending. I'm not including meals whilst we're away (don't want us starving!) but I am going to keep a separate note in the spending diary just to see how much it costs. Should be an interesting exercise.
    2. Keeping the spending diary resulted in spending almost half of what we normally do on food last month. I've transferred that to small savings account. It'll be difficult to get a true figure this month but hopefully another 20% from that.
    3. Interests. Have really let the walking go. Should be easier this month. Ideally I would like to walk every day and that should satisfy getting out in the fresh air as well.
    4. Just one birthday this month. One of the wee ones next door. Present and card already bought. Freezers are full so just about to meal plan for the first week or so that we're at home.
    5. I have so many bad habits - most of them related to food and drink. Give up snacking between meals or, if I really feel the need to eat something, have some fruit?
    6. Love yourself. Oh, I really need to do this. I feel such a frump!!!
    7. Internet and tablet permitting I'll check in every day.
    • Kerry Woman
    • By Kerry Woman 31st Mar 18, 11:50 AM
    • 2,457 Posts
    • 23,941 Thanks
    Kerry Woman
    Will do my targets for the April challenge tomorrow as I can think more clearly due to the late night but enjoyable time out last night.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST September: Sunshine Challenge NSD 16/20
    • indigowarrior
    • By indigowarrior 31st Mar 18, 12:32 PM
    • 671 Posts
    • 5,045 Thanks
    indigowarrior
    Aim for at least 15 NSDs. Usual exceptions apply, you won't lose a NSD for ys items, petrol or medical expenses.- I am going to aim for 18 nsds. I wont know how much I will be able to do after the 21st
    Pay to your debt or savings first and live off the rest.I am on a £1 a day food challenge for the next 20 days so budgets should be low and most will be saved
    Report in every day. The daily support from this thread will keep you on track Will do.
    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. Not really a hobby but, I plan to complete a few of my computer games that I have downloaded.
    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. Not really a pamper kind of gal so will pass on this one.

    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 Will aim for 2 walks a week
    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.I am aiming to earn money doing surveys.
    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. I have one cafe meeting a month with a friend of mine.
    Lose one bad habit. Mine's is a food related one but it can be anything you like. Going to be cutting down on Coca Cola
    Sign off your daily post with a list of gratitudes. Will do.
    #545- SPC September No Spend 4/15
    • a_silver_lining
    • By a_silver_lining 31st Mar 18, 2:08 PM
    • 326 Posts
    • 892 Thanks
    a_silver_lining
    Can you please sign me up?

    This is my first time trying a challenge like this. I'll aim for the 15NSD, but I would like to get to 20.

    My thing to give up on is food bought at work. I'm trying to also limit my plant buying at work, but gardening is my one hobby so whilst I'm going to try and be more sensible with my choices. Today I made a coffee at work rather then buying and it's my fourth day doing this so I'm starting the month strong!

    Overpaying by 20% May be hard as I'm drying up on items to sell and I've pushed myself to the limit for saving and debt. 20% extra savings would be £60, so I'll give it a good go.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 2.4k personal savings --- Family Loan (3.6k paid direct + 2.75k in saver + 425.21 saver 2) 6775.21/ 10K paid 67.75%
    Extra cash made 2018: 927.93
    • lcc86
    • By lcc86 31st Mar 18, 2:53 PM
    • 1,051 Posts
    • 3,551 Thanks
    lcc86
    Better jump on the wagon and start posting about my targets and plans.

    Aim for at least 15 NSDs. - I'm going to go hard on this one and only allow myself 5 spend days... I went a bit crazy last month so I need to be more sensible this month! I run my month payday to payday rather than the calendar month, and have had my first spend day today as went out to lunch with a friend. £12 spent. I will also get my dad's birthday presents and go to town to pick up some bits for the pets to save using another of my precious few spend days lol.
    Pay to your debt or savings first and live off the rest. - no debts but did book a short break which now needs to be paid for. Have transferred money to savings too
    Report in every day - okay.
    Interests - I used to swim but haven't done it properly for a couple of years because of neck/back issues, but I'm having regular treatment so I want to try it again.
    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. - will have a bubble bath with face mask and prosecco at some point during the month!

    Find time to get outside - I want to go for more walks, and the lighter evenings should help with this.
    Overpay - aim to pay 20% extra to your debt or savings - I can't do overtime (local authority) so will try and just save money from the food and petrol pots. I will try and sell a few bits on ebay that I don't need too, they've been sitting round for ages.
    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. - done.
    Lose one bad habit - I'm overeating at work because I'm bored, so really want to try and cut down on this. Haven't quite worked out how yet!
    Sign off your daily post with a list of gratitudes. - will try my best!
    Last edited by lcc86; 31-03-2018 at 2:56 PM.
    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
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