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  • FIRST POST
    • dolly84
    • By dolly84 29th Aug 19, 4:44 PM
    • 4,784Posts
    • 44,195Thanks
    dolly84
    NST September - A Simple September
    • #1
    • 29th Aug 19, 4:44 PM
    NST September - A Simple September 29th Aug 19 at 4:44 PM
    NST: September 2019
    A Simple September




    I always find September a bit like the New Year. The kids are going back to school, routines are getting back to normal, the house needs a really good clean after the holidays and I need to get back on top of everything again. With indulgent times looming later in the year for those of us who celebrate it, September seemed a good month to really scale things back a bit.


    So with that in mind the theme for September is simplicity. Enjoy simple pleasures, cut down on things coming in to your space, get rid of things (in the best way possible) that are cluttering your home, only buy what you really need (this is aimed at me in particular), think about every unnecessary penny you spend moving you further away from your long term goals. Shop local, shop sustainably.






    The rules:
    • The challenge runs for the month of September.
    • Pay to your debt/mortgage/savings first and live off the remainder.
    • Plan your spends in advance - budget carefully.
    • Take your lunch to work everyday, keep away from vending machines/canteens.
    • Aim for 15 NSDs (keep one if you only buy reduced goods, or medication, or fuel).

    Anyone care to join me?
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
Page 7
    • misstara
    • By misstara 7th Sep 19, 2:42 PM
    • 3,215 Posts
    • 23,178 Thanks
    misstara
    Not posted for a few days. Thursday was a spend day as I treated my mum to some lunch out, yesterday was a NSD and today I've ordered some long sleeve t-shirt as I've been feeling quite cold. Other than that, doing my 2 daily walks, reading and helping my dad out with garden stuff.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Car debt Nov 2017 £797.68 Now £661.92 (17% paid) + monthly payments £146.82 23/60
    Emergency fund - £210/£1000. Car fund - £320/£1000.
    • dolly84
    • By dolly84 7th Sep 19, 3:37 PM
    • 4,784 Posts
    • 44,195 Thanks
    dolly84
    Went for a run in the woods with DH this morning and managed to do it without tripping up. Filled the car up using Tesco 10p off voucher but it seems my petrol gauge is having a funny turn, it has taken forever to show full so I will have to keep an eye on that.


    We are having a BBQ and lighting the chimenea today, got some marshmallows for DS and DH for toasting and some corn on the cob for me plus some other bits and bobs. Bought another lovely candle in a CS for £1.99 and DH got a couple of shirts. Used some tomatoes and spring onions from the garden in my salad bagel for lunch.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • Toni'sfriend
    • By Toni'sfriend 7th Sep 19, 3:49 PM
    • 2,239 Posts
    • 22,280 Thanks
    Toni'sfriend
    Still on NSD No 4

    Walked to the supermarket that does cheap butter and stocked up. It's a three mile walk there and back so I got some exercise as well. Picked up two big packets of reduced strawberries which are now in the fridge marinading in sugar and brandy. Not all that healthy but very delicious. Lunch and dinner from freezer.

    Other than that it's been kind of quiet but I'm not complaining about that.

    Hope you're all having a lovely weekend. The weather is beautiful here.
    • apple muncher
    • By apple muncher 7th Sep 19, 6:44 PM
    • 9,382 Posts
    • 72,009 Thanks
    apple muncher
    Today I am grateful for a good night's sleep, for dd getting nearly 12 hours of sleep, for getting some much-needed baking done for next week, for my scan letter appointment arriving (just a hernia or two to scan for. I giggled that they want me to go with a full bladder when my hernia(s) are up towards my solar plexus!), for getting dd half packed for next week, for enjoying my workout, for the satisfaction of needle felting, for the rugby on the telly, for a good book.
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage £15,451 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • ponypal
    • By ponypal 7th Sep 19, 9:19 PM
    • 218 Posts
    • 1,704 Thanks
    ponypal
    Today was my first NSD of the month. I need to try and focus more. Went to IKEA yesterday and spent way too much, nothing too frivolous except one thing which I am going to say is a birthday present to myself, my birthday is next month. Planning on doing an NSD tomorrow too. Been doing a puzzle and watching bad films on Netflix and that is exactly what I needed after my busy week off.
    Debt Free since December 2017
    • Deni debt-free dreamer
    • By Deni debt-free dreamer 7th Sep 19, 9:37 PM
    • 302 Posts
    • 3,037 Thanks
    Deni debt-free dreamer
    hi all
    been enjoying being at home even though I've been cleaning! Got 2 loads of washing dry; made some soup. Popped to town and bought veg and salad from the greengrocers, no plastic at all and reasonably priced. Went to Mr S for a few other bits.
    Sorted a weekend away in October with family. Taking both DDs and DD1's bestie. I've paid for accommodation so asking them to pay for some food.
    Grateful for - nice weather; colleague from PT job checking I was ok; internet which means I can 'chat' to DD2 even though she's in Italy; early night with a hot water bottle
    Dx
    Sealed pot challenge member #118

    Pay ALL your debt off by Xmas 2019 #96
    Total CCs 2,370.05/4,500

    £2 savers club 33
    • sashanut
    • By sashanut 7th Sep 19, 11:03 PM
    • 3,231 Posts
    • 30,700 Thanks
    sashanut
    No 10 checking in
    Hi all

    Sadly still on 1/15 NSDs, but hopefully will get one tomorrow...

    Dehumidifier on in flooded room, also gas fire to try & dry it out a bit. Still doesn't look too pretty though

    Definitely find out where your stop TAP is & how to turn it off. I've learnt a lot about plumbing in the last couple of days, but I sincerely hope not to have to use it in the future..


    All food from stores today, but milk bought.

    Got out into garden, using my new secateurs, what a difference..

    Started to simplify sunroom. Got a fair bit cleared but more to go, DH did some as well, but I do have to go through the stuff before chucking as he's not always that careful.

    Checking to say hi: Hello turtles!!
    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
    • lcc86
    • By lcc86 8th Sep 19, 7:27 AM
    • 1,139 Posts
    • 4,692 Thanks
    lcc86
    Managed a NSD on Friday after all as OH paid for chips. Yesterday I needed a few bits of food, stuff for the furries and some toiletries so wasn't a NSD. The only thing I bought which wasn't on the list was a bar of chocolate, but I'll eat that over the course of a week or so (she says optimistically lol). Also cleaned the hallway carpet as it desperately needed doing, and got some studying done, am so close to finishing my course and I cannot wait! My retainers arrived (decided after years of being unhappy with my teeth that I'm going to get them straightened), so spent the day getting used to them. Wish I'd done this years ago but hey ho! Bit of a faff as you have to brush your teeth every time you eat or drink something that isn't water, so going to have to work out the logistics of it all...

    Managed another walk yesterday and a gym class, this morning is horse riding and then probably gym afterwards, was a bit slack on Thursday and Friday so need to get back on it.
    Last edited by lcc86; 08-09-2019 at 7:29 AM.
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    Trying to enjoy moments not things!
    • crazy_cat_lady
    • By crazy_cat_lady 8th Sep 19, 8:03 AM
    • 5,082 Posts
    • 45,289 Thanks
    crazy_cat_lady
    Morning
    Well I didn't get my coffee with bestie as she cancelled last minute It has been way too long since I saw her. I did make it into town to do my little jobs though so I can cross them off the list. Spent most of the day just pottering about the house doing little things and feeling generally sorry for myself. Thankfully I feel a bit better today but I'm still hoping for a pyjama day - which in turn will mean another nsd.
    I am starting to get organised for December festivities so need to write a list of things I need to buy to make my drinks and chutneys for people. This involves a sort through the kitchen cupboards to determine what I already have. Other than that, more knitting and then crochet when I get bored with that. Plus a maximum of 2 hours of school work I think.
    NST October #11 nsd = 5
    I am honestly trying my best
    • f0xh0les
    • By f0xh0les 8th Sep 19, 10:08 AM
    • 2,556 Posts
    • 23,609 Thanks
    f0xh0les
    I went to the supermarket beginning with M yesterday and was actually shocked when I saw the stollen and C - hristmas cakes section.

    They must have literally waited until the kids went back to school and then shoved it all out. FamOx and the other c/s have had their cards out since August. Madness.

    Today will be NSD2 - I am on top of all this nonsense today, and the line will be hosting the last of the laundry. Need to keep ignoring the dryer for as long as possible.

    Going to begin winter-proofing the house soon. The bedroom was deliciously cool last night. Slept really well. My candle stash is nearly completely decimated. Will have to keep an eye on the c/shops.
    Have a lovely Sunday afternoon, I hope the sun shines on you all and may all your laundry be dry before tea time.
    MFW5/16 £118,340 10/17£109,49 12/17 £108,8 1/18 £108,33/18 £108,5 4/18£108,1 5/18£106,9 6/18£105,9, 7/18£105,3 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 2/19 99,500 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/7 £96,9. 1/8 £96,500 1/9 £95,970.00 1/10 £95,500 MFW 2019 #65
    L&C Referal code- https://referme.to/GNNHtJo
    • greent
    • By greent 8th Sep 19, 11:00 AM
    • 8,196 Posts
    • 83,277 Thanks
    greent
    Thanks for the g-pig wishes - vet appt on Weds - fingers crossed that she *only* has a UTI - she is on antibs 2x/ day and anti-inflamms 1x/ day - she doesn't like me very much at the mo!! She still squeaks pitifully when she has a wee, but there is a lot less blood now (very alarming!)

    No NSDs achieved as yet - maybe one today

    Spent out on Vets, groceries, a new backpack for DS2 for school (old one has holes in the bottom), a new waterbottle for DS3 for school (old one kept leaking everywhere...) an eye test for DS1 - and (way more excitingly!) - flights for the 6 of us and DD's boyf to Florida next Summer :J - we haven't booked anything else at all yet - but the flights are sorted, so we are definitely going!

    Sold an old handbag of my mum's on flebay this morning - she has given me a pile of things to sell and said I can have the money towards Florida (probably a total of about £100 after fees - but everything helps )

    Have been invited to join RM postal survey again, so will have more free stamps (inc the Xmas ones ) again - still have loads to use up, but am not complaining!

    Definite Autumnal air around - 3 trees in the garden are losing leaves and I have stripped all my tom plants right back so the last tomatoes are fully exposed Some Summer bedding pots are looking very tatty, so will aim to clear/ clean and maybe refill some with pansies over the next week or so - I have less pots filled in the Winter but do like to have some for a cheerful splash of colour
    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 12/18 £54829 2019 OPs (#18) £3757/£5K
    Net sales 2019 £532.58/£500
    • DawnW
    • By DawnW 8th Sep 19, 11:42 AM
    • 5,792 Posts
    • 46,226 Thanks
    DawnW
    Thanks for the g-pig wishes - vet appt on Weds - fingers crossed that she *only* has a UTI - she is on antibs 2x/ day and anti-inflamms 1x/ day - she doesn't like me very much at the mo!! She still squeaks pitifully when she has a wee, but there is a lot less blood now (very alarming!)
    Originally posted by greent

    Poor little thing

    Hope she gets better soon.

    • dolly84
    • By dolly84 8th Sep 19, 12:27 PM
    • 4,784 Posts
    • 44,195 Thanks
    dolly84
    Lovely weather here too. Have been car booting this morning, didn't get too many things but did get an electric oil diffuser which I have wanted for ages, it was BNIB and just £1.


    DD went for her trial for the Saturday job yesterday and they rang her at teatime to offer her the job, she is thrilled. It is quite a fancy shop so she will fit right in, it will be really good for her and it is quite a significant amount of money for a 15 year old plus she can do extra hours in the holidays.



    Going to do some gardening now and then a light tea involving Orzo I think.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • Toni'sfriend
    • By Toni'sfriend 8th Sep 19, 2:54 PM
    • 2,239 Posts
    • 22,280 Thanks
    Toni'sfriend
    NSD No 5

    I would have done the washing today but the washing lines are full of someone else's washing. Been there for two days so hopefully they'll take it in tonight and I can get mine out tomorrow.

    Made spicy carrot soup to use up carrots and chillies from the fridge. Tidied the freezers. The're full again so really have to make a massive effort to use things up.

    I did the Tesco order for our holiday but hadn't been able to book the slot yet. Spoke to my friend in Yorkshire this afternoon and he said to send it to him and he'll buy it in Aldi and bring it with them. We go by public transport but they drive It should be a lot cheaper and he has offered to pay for it as we always pay for the accommodation. I don't mind paying for the accommodation as we would be there anyway but it's a nice gesture.

    So steak pie for dinner and have to make a meal plan to use up some of this stuff.
    • apple muncher
    • By apple muncher 8th Sep 19, 6:07 PM
    • 9,382 Posts
    • 72,009 Thanks
    apple muncher
    Today I am grateful for my friends, for good coffee, for getting dd packed for tomorrow, for my snuggly hoodie, for my tech-y dh, for doing some admin that I'd been putting off, for my family.
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage £15,451 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • DawnW
    • By DawnW 8th Sep 19, 9:03 PM
    • 5,792 Posts
    • 46,226 Thanks
    DawnW
    Evening all
    Still on NSD 3 as I went car booting this morning. Didn't spend much though, about £4 apart from business stuff which I account for elsewhere.
    Congratulations to your DD Dolly. I think it will give her great experience. I used to recruit and supervise young graduates (or at least the people I directly managed did), and could always tell the ones who had had experience in the workplace. Some of the more priviledged ones had never worked through school or uni, and it took them very much longer to get the idea that they were there to work and not swan about looking important, iyswim. I worked from age about 13 myself, so struggled a bit at times to sympathise with their need to acclimatise themselves

    • sashanut
    • By sashanut 8th Sep 19, 10:44 PM
    • 3,231 Posts
    • 30,700 Thanks
    sashanut
    No 10 checking in
    Hi all

    No shopping today = 2/15 NSDs!! Hopefully the start of a few more as well.

    Cooked a fair bit this morning with the idea in mind to use up some stocks of frozen food. Therefore all meals from stores & a bit less in freezer. Will be making preserves tomorrow hopefully as rain is forecast.

    Finally out into the garden & took some cuttings, not expecting much but you never know & it will be plants for almost free if they succeed.

    Still drying out the dining room, too early to tell yet if the carpet will be salvageable. Victorian light fitting drying out in kitchen, fingers crossed.

    More progress on clearing in sunroom, less progress in clearing out all DDs carrier bags. At least most of her plans for days off don't include being here, phew.

    Now need to reply to a few emails that have been ignored whilst things more pressing have been seen to.

    Popping in to say hi : Hello turtles!!
    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
    • SSDD23
    • By SSDD23 9th Sep 19, 8:20 AM
    • 1,547 Posts
    • 4,911 Thanks
    SSDD23
    I am on 4 NSD's

    Had such a busy weekend with my part-time weekend job (not so part time with 15ish hours) but the work was appreciated, which is always nice

    Need to fill up my car tomorrow, but hoping to make that last until the end of the month as I have the week off work (from the full-time job) next week so won't be doing as much driving backwards and forwards every day

    Today I'm actually grateful for the rain so I don't have to water the garden later
    Debt Target #08 - £125/£489.06 (25.5%)
    Debts busted: 7/10
    NSD Target: 4/15
    Annual Car Costs Fund: £218
    • second chance
    • By second chance 9th Sep 19, 8:32 AM
    • 270 Posts
    • 191 Thanks
    second chance
    I managed a NSD yesterday! 1/15!
    I managed to deep clean my sons room and have sorted a bag for selling, a bag for charity and a bag for the tip so feeling good about that

    aim for today - I'm going to the shops at about 1030 to see if i can get any reduced items - i think that is a good time here
    I am going to plan meals for the rest of the week aiming for a NSD tomorrow and hopefully more during this week!

    feeling a bit down in the dumps trying to get a grip on everything ... I do see improvements and a bit more sense where money is concerned but still feel continually broke although saying that i guess at least bills and debts are being paid
    Stepchange dmp £8018
    Debt free date Aug 2021

    Emergency fund needs refuelling!

    Aiming for a debt free stress free life with some money in the bank!
    • mothernerd
    • By mothernerd 9th Sep 19, 9:52 AM
    • 3,091 Posts
    • 33,596 Thanks
    mothernerd
    Hugs second chance - try to concentrate on the positive things you have achieved. Can you afford to build little treats (bubble bath, home pedicure, a chapter of your book, sitting comfortably with a nice cup of tea) into your budget to celebrate your successes.
    My mission in life is not only to survive,but to thrive and to do so with some Passion, some Compassion, some Humour and some Style.
    NST Oct No 1 No Debt No mortgage
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