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    • mothernerd
    • By mothernerd 28th Sep 17, 9:46 PM
    • 2,440Posts
    • 25,456Thanks
    • #1
    • 28th Sep 17, 9:46 PM
    NST October ORGANISE OCTOBER 28th Sep 17 at 9:46 PM
    Ninja Savings Turtles ORGANISE OCTOBER

    Several people have indicted that circumstances dictate the continuation of September's Super Scrimpers regime and the tough line instituted by Ninja Savings Kat in her challenges (see NSK).

    Austerity October? Austerity with a twist because although the turtle way is difficult we always aim to have some fun along the way, provide the odd inspirational quote, offer help and advice, sympathise when things go wrong and celebrate our successes. Remember No Turtle Gets Left Behind.

    Commit to the challenge, follow the rules to the best of your ability. The rules are all tools that will help you on your debt free journey, the more tools you utilise, the more you will save but if you are new, it can take a while to get up to speed with them all. Don't worry.

    The Truth is out There
    Question Everything
    Be Stronger Than Your Excuses

    Organise. Start as you mean to go on. Know the contents of your fridge, freezer and cupboards. Plan your meals around them. Cook from scratch. Don't buy anything you can make unless cost /time taken dictates otherwise. If you are new to turtle challenges or still have full cupboards you could try living from the cupboards.

    Regular budget items should be set by 3rd October at the latest (extra time allowed because this is being posted later than usual). If you don't know how much you are spending on food or petrol, now is the time to find out. Question every purchase - need or want? Can you make a percentage cut to one of your budget items - 3% to 10% you decide. Most importantly, Pay To Your Debt Or savings First, Live off What Is Left.

    Get Ready for Winter. Checklist in separate post. You decide how and when to implement it.

    ALWAYS Be Kind

    No Spend Days. Aim for 20 (high target) or 15 (low). You will not lose an NSD for petrol included in petrol budget, medical expenses (you don't choose when to be ill but stocking up would be cheaper), yellow sticker purchases only (no additional full price items). For regular activites where fees are paid weekly (children's clubs, window cleaner) you can set aside the money for the month on a spend day and avoid losing a spend day each week.

    Special exemption for the turtle who's family drink milk by the bucketload. Any requests for special exemptions will be considered (some turtles manage their money in other ways)

    IMPROVISE. Make do and mend with a creative twist. think of a substitute ingredient, how to make an old/broken piece of furniture last a little longer. Looking forward to reading your stories on this one (not if they invlove sending OH to work in your pants).

    STOPTOBER Are you participating? Have you any bad habits to curb or a good one to implement or re-instate.

    EXERCISE Four times a week at least (20 minutes minimum but can be done 10 minutes at a time). Get outside in daylight as often as possible.

    ONE MORE TIME It is never too late for a second chance. Some of us set goals in January. last month thrifty asked us to look at where we wanted to be, why we weren't there and what was going wrong. Now you need to put in the small steps that will lead to your goal. If you have fallen off the path, start again - just because you can't do it all, doesn't mean you can't do any. New starters may like to set some goals for the next 3 months.

    CHRISTMAS Sorry we do have to talk about it. If you love it and have been planning and saving all year, enjoy yourself.
    But let us think about cutting back.
    You still have time to have the 'no present pact' talk (token presents/ children only) or talk your work colleagues or other groups into only giving one card to the whole group with savings possibly going to charity.

    You still have time to make presents but may need to buy materials (may be more time for edible gifts). Involve children in making gifts particularly for grand-parents and teachers. Encourage them to have a toy clear out and pass on any that are no longer wanted to younger family memebrs or charity (or sell to make a few pennies).

    Finally Don't Be A Martyr For Christmas
    If the works annual do is a chore (and an expensive one) opt out. Say you aren't going.
    Some people have lovely families and love to gather together. Most of us have the odd awkward relative and some would try the patience of a saint. Don't let others take you for granted and don't feel obliged to welcome all and sundry.
    If Christmas is a difficult time for you, take time out if you need it, treat yourself kindly .

    THE Challenge will run from 00.00 on 1st October until 00.00 on 31st October.

    ODD - This month's inspiration is going to be slightly off the wall. Looking forward to how many of you can follow where others boldly go

    BANNED Takeaways, coffee shops, chippys, pie shops, vending machines, sandwich bars etc. exemption for turtls who budget for this from personal/ social spending or who have nowhere else to meet a friend. Dispensation for support for sick friends.

    EXTRA INCOME Overtime, surveys, second jobs, craftsales at Christmas fairs (Bunny tales - and tails - always welcome).

    REPORT in, daily if possible (I know some people have access problems). Sometimes people slink off if they have strayed but you will not feel better until you tell your fellow turtles about it. BE STRONGER THAN YOUR EXCUSES.

    Last edited by mothernerd; 29-09-2017 at 10:19 AM.
    This year I will be fierce
    NST Jun #1 SFD 9/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £31.50/£30 bought clothes
    No Debt No mortgage
Page 1
    • mothernerd
    • By mothernerd 28th Sep 17, 9:49 PM
    • 2,440 Posts
    • 25,456 Thanks
    • #2
    • 28th Sep 17, 9:49 PM
    • #2
    • 28th Sep 17, 9:49 PM
    Get Ready Checklist
    1 Health
    Illness is inevitable with the changing seasons. All kinds
    of bugs flourish. Stock up on generic medicines now
    (natural remedies if preferred). Buy supplements if you
    know you need them. Freeze some soup and easy meals for
    when you are too ill to bother. Honey? Cordial to take away
    the taste of the medicine?
    Do you or any member of your family need a flu jab

    2 Travel
    If children are walking or cycling to school, can they be seen.
    Do you need to put anything in your car (snow shovel, warm
    jacket, a torch)
    The clocks change at the end of the month and the following
    week has the highest incidence of road traffic accidents

    3 Home
    Put in place any measures to keep your home warm !!!8211; curtain
    linings, draught excluders.
    Buy fuel if you need to and have not already done so.
    Buy salt for the path.

    4 Maintenance Issues
    Fix the drip over the front door (note to self- phone the roofer)
    Check your morning and evening route for safety
    Any timetable changes?
    Are your driveway and garden path clear of obstacles.
    Do you need more lighting

    Think about others. Do any elderly relatives or neighbours need
    a flu jab or help. Remember to check when the weather turns

    Sorry this is a bit messy, I took it out of the main post half way through and then added to it and brought it back here.

    This year I will be fierce
    NST Jun #1 SFD 9/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £31.50/£30 bought clothes
    No Debt No mortgage
    • mothernerd
    • By mothernerd 28th Sep 17, 9:50 PM
    • 2,440 Posts
    • 25,456 Thanks
    • #3
    • 28th Sep 17, 9:50 PM
    • #3
    • 28th Sep 17, 9:50 PM
    Reserved for Contenders

    1 mothernerd
    2 misstara
    3 fmess
    4 thriftylass
    5 Shelbi
    6 sashanut
    7 Kerry Woman
    8 determined new ms
    9 Dawn W
    10 apple muncher
    11 bizzie
    12 Toni's friend
    13 Calling14
    14 Sazzle13
    15 greent
    16 f0xh0les
    17 Lauralozzle
    18 mummylewis
    19 Purplebonnie
    20 crazy-cat-lady
    21 sunaddict
    22 Jellybean88
    23 Tea&Kittens
    24 Dorastar
    25 Debtfreeduo
    26 FurryBeastOz
    27 redofromstart
    28 ilovetea
    29 clippy girl
    30 fruitloop04
    31 squirrelgirl
    32 Dottydaisy
    33 Eager Elephant
    34 Chasing Sunshine
    35 dizzy blnd
    36 Scrimps
    37 Baileys Babe
    38 laurenh1
    39 moneysavingfamilycomp
    40 DancingDragons
    Last edited by mothernerd; 13-10-2017 at 10:55 AM.
    This year I will be fierce
    NST Jun #1 SFD 9/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £31.50/£30 bought clothes
    No Debt No mortgage
    • misstara
    • By misstara 28th Sep 17, 10:12 PM
    • 2,775 Posts
    • 19,652 Thanks
    • #4
    • 28th Sep 17, 10:12 PM
    • #4
    • 28th Sep 17, 10:12 PM
    Yes please mothernerd, this is a fab challenge
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £726.18 (68.5% paid)
    Car debt Nov 2017 £797.68 Now £499.01 (37.4% paid) + monthly payments £146.82 6/60
    Emergency fund - £0/£1000. Car fund - £0/£1000.
    Mini Targets in June
    Exercise target - 3/16. Groceries target £93.68/£175. NSD target 7/20.
    • Fmess
    • By Fmess 28th Sep 17, 10:23 PM
    • 2,711 Posts
    • 26,002 Thanks
    • #5
    • 28th Sep 17, 10:23 PM
    • #5
    • 28th Sep 17, 10:23 PM
    Me please epic starting post!
    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
    • thriftylass
    • By thriftylass 28th Sep 17, 10:38 PM
    • 3,335 Posts
    • 27,351 Thanks
    • #6
    • 28th Sep 17, 10:38 PM
    • #6
    • 28th Sep 17, 10:38 PM
    I'm in. Thank you
    NST June
    SFD 13/20 spends 738 (incl some from savings for festival etc)/480
    Exercise 11/20
    Debt - all 0% 1015 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 103541 (05/18) OP 0
    • Shelbi
    • By Shelbi 28th Sep 17, 10:59 PM
    • 715 Posts
    • 1,723 Thanks
    • #7
    • 28th Sep 17, 10:59 PM
    • #7
    • 28th Sep 17, 10:59 PM
    Hi guys,

    Great post can join this month too!

    Save for xmas-£14/£365
    Emergency Fund- £3,000/£5,000£3,000 (revised amount)
    House Deposit- 0/£15,000.
    June'18- NSD- 10/20 Bring Lunch to work 8/20
    make-£5pd in June- £30.11/£155
    • sashanut
    • By sashanut 28th Sep 17, 11:33 PM
    • 2,835 Posts
    • 26,262 Thanks
    • #8
    • 28th Sep 17, 11:33 PM
    • #8
    • 28th Sep 17, 11:33 PM
    Can I join please? I don't have so much debt, but we have a big house stuffed to the rafters which needs to get cleared once and for all!! Luckily DH is on board & we plan to clear out - sell, chuck, donate for the whole of October. Have been following the Sept thread & look forward to joining in for October - need to be accountable!!
    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
    • Kerry Woman
    • By Kerry Woman 29th Sep 17, 5:35 AM
    • 2,353 Posts
    • 22,830 Thanks
    Kerry Woman
    • #9
    • 29th Sep 17, 5:35 AM
    • #9
    • 29th Sep 17, 5:35 AM
    Can I join again for October please?
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST June 2018 A June Odessey(Staycation) NSD 14/20
    • determined new ms
    • By determined new ms 29th Sep 17, 6:55 AM
    • 6,859 Posts
    • 40,212 Thanks
    determined new ms
    Hi please count me in mothernerd thanks for starting the challenge off
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • DawnW
    • By DawnW 29th Sep 17, 7:24 AM
    • 5,057 Posts
    • 39,928 Thanks
    Can I join again please?
    NSDs for June 10 / 10
    Groceries / cleaning / toiletries / pet food etc £227.30 / £250
    Fuel 99.95 / £100

    • apple muncher
    • By apple muncher 29th Sep 17, 7:40 AM
    • 7,392 Posts
    • 55,663 Thanks
    apple muncher
    Count me in please! Looking forward to it.
    NST June Odyssey #20; NSD 13/15; Ex 18/20 ; craft 8/ (69); remove 76 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20; WLOSW /10

    Mortgage £21,033 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • bizzie
    • By bizzie 29th Sep 17, 8:13 AM
    • 164 Posts
    • 1,971 Thanks
    Can I sign up for October as well please.
    Groceries 220.22/300.00 Personal Spend /100.00
    NST June #25 NSD 15/15 @23/06/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • Toni'sfriend
    • By Toni'sfriend 29th Sep 17, 8:50 AM
    • 1,317 Posts
    • 12,776 Thanks
    Can I join, please? I am away until 7 October. Is it ok if I start then?
    • Calling14
    • By Calling14 29th Sep 17, 9:35 AM
    • 2,719 Posts
    • 19,808 Thanks
    ME please Mothernerd. Can I have number ~13 if possible. Great challenge.
    LBM 13039 1.1.13 Start 2018 £5552 NOW £2700
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 £2852/£5552 DFD 12/18
    Fund #9 £120/£1,000
    1 x 100 days challenge

    • Sazzle13
    • By Sazzle13 29th Sep 17, 9:49 AM
    • 23 Posts
    • 229 Thanks
    Can I join, gone completely off the rails over summer and I need to find a routine.
    • determined new ms
    • By determined new ms 29th Sep 17, 10:46 AM
    • 6,859 Posts
    • 40,212 Thanks
    determined new ms
    Ok been thinking about this

    GC budget £160 again hope I can keep it under £150 so I can squirell a little to charity cupboards and freezer still full

    beauty again under £10 - will need some moisturiser

    Petrol will be £80 as have a week off and usual budget is £100 try to get a few car free days in a week

    £150 for all spends other than above

    will aim for 15 SFDs but this is optimistic for me. Anything more than 10 is a bonus. Due to ammount of milk madam has, and on account of the fact both of my freezers are full of veg from the allotment I have to excuse milk from this!

    extra money - list 10 things on fleabay, do tax return, make an effort to log on to onepoll each day

    Prepping for the colder months is going to take some thinking about.... Christmas, I joined the £1 per day saving for Christmas challenge so each month been squirrelling £28/£30/£31 away depending on the month. Have also been biuying things for the last few months so no actual impact on day to day account - where's my halo???
    Last edited by determined new ms; 29-09-2017 at 10:49 AM.
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • greent
    • By greent 29th Sep 17, 11:25 AM
    • 7,082 Posts
    • 72,168 Thanks
    I'm in please! (With my bucket loads of milk )

    Thanks, mothernerd
    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) £1068.37/£4000
    Net sales 2018 £522.39/£1000 PAYDOX18 (#15) £18564.38/£18918.90
    • f0xh0les
    • By f0xh0les 29th Sep 17, 12:43 PM
    • 1,488 Posts
    • 12,373 Thanks
    Please can I join the crew?
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999
    June 105,999.99
    NEXT GOAL is sub £105k before JulyMortgage-free wannabe 2018 #65
    • mothernerd
    • By mothernerd 29th Sep 17, 4:38 PM
    • 2,440 Posts
    • 25,456 Thanks
    A warm welcome to all new and returning turtles. Everyone up to here has been given a number.

    greent I thought you had the milk fiends but wasn't sure.
    This year I will be fierce
    NST Jun #1 SFD 9/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £31.50/£30 bought clothes
    No Debt No mortgage
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