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    • mothernerd
    • By mothernerd 29th Sep 16, 12:59 AM
    • 2,369Posts
    • 24,638Thanks
    NST October Finding Your Inner ferret
    • #1
    • 29th Sep 16, 12:59 AM
    NST October Finding Your Inner ferret 29th Sep 16 at 12:59 AM
    NST OCTOBER; Finding your Inner Ferret
    NST Challenge: October Finding Your Inner Ferret

    Turtles are tough. Turtle rules are tough but they work. When you start your turtle journey the rules can feel overwhelming but they all help on the journey to debt freedom. The more rules you can keep the sooner you will achieve your goals – most turtles start by tackling debt but many are now saving to get on the property ladder, to achieve mortgage free status, to retire early or to live well on a small income.

    All the usual rules (see below) will remain in place this month. However if you need to adapt a particular rule to suit for health or lifestyle reasons this is acceptable. That is lifestyle as in my car is broken, I need to carry all the shopping home so buy small amounts frequently not I want to have six takeaways a week and still pay off my debts/ save money. Commit to following all the rules. If you don't manage all of them all the time we will help and support you – No Turtle gets left behind.

    Tackling debt can be a long hard slog and some turtles (including this one) have been struggling recently. Therefore the aim this month alongside savings/ reducing debt is to have some fun. This month we will be Finding Our Inner Ferret.

    Ferrets sleep for between 14 and 18 hours a day. Oh bliss. Not practical for most of us but try to get enough sleep. Make your bedroom a comfortable haven. Despite being awake for only a few hours the average ferret is active enough to maintain a sleek profile. We will aim to get outside every day. Sunshine is in short supply so get as much as you can. If you go to work and come home in the dark, can you go for at short walk at lunch.

    Planning and preparation are needed. Think ahead, budget, work out what is needed. This leaves more time for fun and if you can, do it without spending or have a low spend. This month I will be including a weekly planning and preparation target.

    Ferrets are curious. I want you all to commit to learning something new this month – it doesn't have to be degree level, try a new craft, cook something you always thought was difficult or learn something practical. Investigate new ways of making extra cash.

    Finally (random rule alert) one of the ferret's distinctive features is the Victory Dance. We will be celebrating our achievements and successes and not dwelling on 'things we have left undone'. If your to do list is worrying you, simplify it. Write down a list of what you have done. Find things to be grateful for each day (no need to write them here if you don't want to) and think about something you have achieved. Then do your Ferret Victory Dance. It's okay to do it behind closed doors.

    If any of you think you have done nothing worthy of celebration, I must tell you that my recent 'achievements' include going to my weekly counselling and craft sessions and on really bad days, getting out of bed and having a bath.

    The Challenge Rules:
    • The Challenge will commence on the 1st October @ 00:00 and end on the 31st October @ 23:59.
    • Kat Essentials
    • Set your DFD (Debt Free Day)
    • You will pay towards your debt / savings FIRST and live on what’s left. Choose the amount now.
    • Set all budgets before the start of the month, think ahead for any birthdays, outings etc.
    • Random Rule for September Celebrate your achievements with a Victory dance
    • Other Rules
    • Aim for 15 SFD (Spend Free day or No Spend day)
    • Extra cash – share any ideas which work, trawl the other threads for something you haven't tried recently.
    • Learn something new (might be fun)
    • Weekly mini challenge (details in later post)
    • Food budget should be set realistically (ideally at same level as last month or lower unless you have extra mouths to feed). Base your purchases around basics range and yellow stickered items.
    • You will NOT use any of the following; restaurants, cafes, work canteens, vending machines, takeaways ( yes really), Starbucks, Costa, Nero or any other chain cafe!
    • Lunch to work everyday and plan for appointments and days out (last chance for picnics and bbqs).
    • Travel budget – petrol or public transport for work, leisure, hospital appointments. Can you walk/cycle? Can you combine journeys – shopping/ work/ gym?
    • Any other regular budgets – children's activities etc.
    • Healthy eating – up your fruit and veg. If you are already getting your 5 a day (if not why not?) go for 7. Will make you feel better (especially if free or ys) and may help ward off all those annoying bugs which come with the changing seasons.
    • Make a food bank donation (3 items or £3) or alternative charity if preferred
    • Exercise 5 times a week, newbies and poorlies start with 10 minutes a day, get outdoors wherever possible.
    • Regular check ins – daily if possible.
    So who's up for it.
    This year I will be fierce
    NST May #13 SFD 11/19 Food £129.13/£120 Travel £15.20/£15 Ent £22.44/£30 (+ £20 membership fee)
    No Debt No mortgage
Page 13
    • Toni'sfriend
    • By Toni'sfriend 12th Oct 16, 4:53 PM
    • 1,246 Posts
    • 12,133 Thanks
    12 October


    Plodding along with the healthy eating plan. Have been drinking lots of low calorie tonic with ice and lemon but no gin.

    Went for a walk. Was meant to be a NSD but C spotted a deal on chocolate fingers in Iceland so that ended that plan. As we'd spent some money anyway and wern't carrying very much bought some things in Aldi that we're going to need later including the parsnips for Applemuncher's curried parsnip soup which is now ready for tomorrow's lunch. Finding NSD difficult. As we don't have a car we tend to shop on a daily basis carrying what we can. Still, it isn't a lot of money at a time and everything's within budget so I suppose that's the most important thing.

    Have found some intersting recipes to make using ingredients which I already have but haven't been able to try them out yet as C is hardly eating anything. Hope the doctor can give him something tomorrow to get rid of this bug.

    Managed to do a couple of surveys. Maybe I'm beginning to get the hang of it.

    Thiftylass – Enjoy your break. I love Pitlochry (especially the cafe with the amazing cakes on the Main Street).

    Mothernerd – Take care of yourself and don't try to do too much. You seem to be having a particularly tough time just now.

    Everyone else – Hope everyone who's not well/tired feels better soon and good luck with all your challenges.
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 12th Oct 16, 8:05 PM
    • 740 Posts
    • 4,255 Thanks
    Evening everyone,

    I ended up having an unplanned NSD today, yipee! I intended to go to my weekly mother and toddler group that costs £1.50 but the little one decided to go for a long kip, so I never made it.

    Healthy eating consisted of a banana and a yogurt.

    I received £1.40 from Quidco as cashback so I put that towards my credit card.
    Pay all debt off by Christmas 2018 #150 - £895.62/£2018
    SPC11 #564
    • apple muncher
    • By apple muncher 12th Oct 16, 8:16 PM
    • 7,295 Posts
    • 54,960 Thanks
    apple muncher
    Today I dance because:
    -I did plenty of walking (14k+ steps)
    -I got several tasks completed
    -I went for my annual blood test (and had a lovely chat with the nurse who was most impressed with my veins!)
    -I knitted some of dd's cardi - if I don't crack on with it, she'll have grown again and I'll have to undo it all)
    -I had a go at making ice cream
    -I tried out Buddhify, but prefer Headspace so will pay for a year's subs
    -I went to dd's parent's evening and had a good chat with her teacher
    -I have eaten about 4 veg and 3 fruit
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Seasidegal58
    • By Seasidegal58 12th Oct 16, 8:59 PM
    • 1,930 Posts
    • 11,816 Thanks
    Hi all

    Echo Toni's Friend in hoping all the sick turtles are on the mend! Loads of people sniffing and spluttering at work as well!

    I'm souping it again tonight - been using soup that's already in cupboard but will try apple muncher's recipe at weekend as it sounds lovely. Will also count towards trying a new thing! Also had banana, apple and two satsumas (but one rather unhealthy "cronut" that was bought for me!).

    I forgot to add another spend on yesterday's list - I took out a Times subscription which will work out cheaper than buying it daily. And does this add towards making some money?

    Also NSD today apart from budgeted things - paper and also renewed my annual contents insurance - managed to save £27 on last year plus years supply of two for one cinema tickets!

    So doing better today!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • FurryBeastOz
    • By FurryBeastOz 12th Oct 16, 9:36 PM
    • 1,193 Posts
    • 15,845 Thanks
    Yay. Looks like my job is going to work out. On my terms. He's even agreed to a microwave in the office so I can take lunch every day (cold office in an industrial area - I was going to be resorting to the greasy spoon of pot noodles)

    2 days in the office (95 mile daily commute) and 1 day WFH. But got my asking salary and a pension contribution agreed.

    Got to stock up the freezer on soups and get some microwave porridge - Hot breakfast when I arrive after going to the gym first thing.

    Not doing well on NSD's. After a great start, this chest infection has left me very weak and lacking in backbone to walk past the comfort food. Had to go in for mik today and bought loads of cr*p. Must do better.

    Exercise has gone out the window.

    Grump, grump, grump.
    Goals - Weight loss 6/26lb at 22nd Jan 18
    • mothernerd
    • By mothernerd 12th Oct 16, 10:00 PM
    • 2,369 Posts
    • 24,638 Thanks
    x_raphael_xx I love candles too (tried to persuade myself I can manage with last year's leftovers but still looked in a couple of charity shops on Saturday. Love the Ninja Turtle colouring book.

    thrifty enjoy Pitlochry.

    swimming hope the baby lets you sleep soon.

    Speky made me want omelette - I have loads of eggs just not much to put in it.

    Calling hope the leg improves soon.

    Toni's friend enjoy your new recipes.

    Fmess sorry work is so stressful again.

    apple lots of good news.

    seaside well done on the insurance savings.

    FurryBeastOz glad the job is working out.

    I got up today and went to counselling and crafts. Took me 3 hours to gt ready (one hour was gathering various crafty bits together) and had to get the bus there, walked to the library to extend loan period on all my books and then across to the bus stop.

    Crafts was a lot of fun but I asked them to phone for a taxi to get me home. I had a suggested solution to one participant's problem but she had already gone too far with the wip so did a 'fix' from where she was. Ideas I have jotted down/ scrapbooked were very well recieved. I now have to go back to the place with the red leaves and gather lots more.

    I am pleased that it is helping my get back into 'creative' mode but need to make sure I don't overdo things especially as some people will need a lot of assistance (one woman is blind, another is in a wheelchair and can only use oe of her hands). Hopefully the preparation will help with that.

    Today I am grateful for sandwiches (and other simple food), for laughing with friends and for getting the washing in just as it started to rain. Sleep soon (will fix this sleep pattern).
    This year I will be fierce
    NST May #13 SFD 11/19 Food £129.13/£120 Travel £15.20/£15 Ent £22.44/£30 (+ £20 membership fee)
    No Debt No mortgage
    • Fmess
    • By Fmess 12th Oct 16, 10:12 PM
    • 2,702 Posts
    • 25,902 Thanks
    No SFD as I had time to go to a local aldee and get a few bits to see me through next week hopefully.

    calling how sad about the lady

    morhernerd well done on helping so many others
    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
    • Bobarella
    • By Bobarella 12th Oct 16, 10:24 PM
    • 10,472 Posts
    • 69,775 Thanks
    Calling your boss sounds like he has a bad case of Affluenza, poor poppet.

    "a psychological malaise supposedly affecting young wealthy people, symptoms of which include a lack of motivation, feelings of guilt, and a sense of isolation."
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • Bobarella
    • By Bobarella 12th Oct 16, 10:24 PM
    • 10,472 Posts
    • 69,775 Thanks
    Go you Mothernerd
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • SpekySquarehead
    • By SpekySquarehead 13th Oct 16, 8:50 AM
    • 1,921 Posts
    • 15,450 Thanks
    Morning all,

    No NSD for me yesterday but a well planned spend day.

    I bought the remainder of my GF's birthday stuff and paid off the remaining balance (early) for our trip away next week, got some birthday decorations, card, wrapping paper and some groceries.

    In saying that though, last night I was knackered and didn't manage to make myself a lunch for today, so I'll spend £2 today - damn!
    Debt Free Date: 29/09/16
    • dolly84
    • By dolly84 13th Oct 16, 10:53 AM
    • 3,840 Posts
    • 35,629 Thanks
    calling - how awful about that lady, I'm very glad you didn't find her.

    Furrybeast - great news about your job but to the commute.

    Get well wishes to everyone else.

    I did a grocery shop yesterday and am well within budget for this month.

    DD had 4 teeth out yesterday afternoon so I have kept her home today whilst the blood clots form properly. She was incredibly brave. She has 2 more out in a few weeks, this is all in preparation for her braces going on at the end of November.

    I have cycled this morning and was very pleased to get back home before the heavens opened, will walk the dog later and do some work too.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • FurryBeastOz
    • By FurryBeastOz 13th Oct 16, 12:06 PM
    • 1,193 Posts
    • 15,845 Thanks
    Re-reading yesterday's post, I sound really ungrateful. I should be doing the ferret dance as I actually have a job. On my terms. I think I'm still reeling from losing the FurryBeast, and there is quite a lot of guilt as his passing means I can actually take this job.

    Feeling a bit better today. Going to the Kirk senior citizens club this afternoon so I have baked my contribution. I've missed it since working, but I can now organise my days so I can go every other week which is great. Dreading the 'why haven't you brought Ozzie' questions. Hopefully be the last time though.

    Ok. Time to throw off the dismals. Flying to do.
    Goals - Weight loss 6/26lb at 22nd Jan 18
    • Toni'sfriend
    • By Toni'sfriend 13th Oct 16, 4:54 PM
    • 1,246 Posts
    • 12,133 Thanks
    13 October

    Hi Everyone

    C went to doctor who was unable to give him anything to help. Apparently it will go away of it's own accord in due course. Hope that happens soon so we can all get some sleep. Poor soul is feeling really unwell and very tired since he spends most of the night coughing.

    Anyway, curried parsnip soup was delicious and there's enough left for lunch tomorrow. Keeping up with the eating and non-drinking and having lots of early nights.

    No NSD today. C bought some chicken (for son's dinner) and chocolate biscuits (to give to the children next door). I shouldn't let him out on his own. He can't resist buying something.

    Apart from that a very lazy day. Really must pull myself together and get on with these challenges.

    Hope everything is well with you all.
    • Lauralozzle
    • By Lauralozzle 13th Oct 16, 6:00 PM
    • 560 Posts
    • 4,955 Thanks
    Yesterday and today have been NSD! Now at 5/15. I'm hoping that tomorrow will go down as NSD and Sunday.

    I haven't had any take away coffees this week though which I'm really pleased about!!!!!
    Credit Card 1: £0.00 (0%) | Credit Card 2: £1,951.50 (0%) | Credit Card 3: £764.20 (0%) Car Finance: £7,491 (7.9% APR) | Mortgage: £110,794 (2.79% APR) | Emergency Fund: £69.68/£1000 | Honeymoon Fund: £1,042
    • crazy_cat_lady
    • By crazy_cat_lady 13th Oct 16, 6:45 PM
    • 3,515 Posts
    • 30,094 Thanks
    Hi everyone
    Celebrating the small stuff - I got a bit of housework done when I got in from work. First time in ages I actually felt like doing anything at all. I have completely wiped myself out now though and am ready for my bed.
    Life ticking on as usual. One more week until half term, and hopefully some answers from my scans and blood tests. We shall see.
    I'm up to 8 nsds - would have hit 9 if dh hadn't drank the last of the milk and not mentioned it...
    DFD 6 Nov 15 - paid £28,447
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 13th Oct 16, 8:22 PM
    • 740 Posts
    • 4,255 Thanks
    Evening everyone,

    Well a bit of a spendy day for me. Picked up a few groceries for the house and paid £10 for a ticket to a Halloween party I'm taking the little one too. I'm pretty sure when I asked about it last week I was told it was £7, wish I'd dished out the cash then lol.

    Walked a total of 4.99 miles, thank God the rain held of.

    Healthy eating consisted of a banana. Does the 'orange' part of a Terry's Chocolate Orange count as healthy?! Came to the realisation today I eat far too many chips so I think my learn something new for the month should be cooking a healthy recipe.

    My victory dance for today is I that I completed my uni homework that was actually set for next week.

    I'm looking after my niece tomorrow, hopefully I can keep her amused with some Pokemon hunting and make it a NSD!
    Last edited by swimminginaseaofdebt; 13-10-2016 at 8:25 PM.
    Pay all debt off by Christmas 2018 #150 - £895.62/£2018
    SPC11 #564
    • mothernerd
    • By mothernerd 13th Oct 16, 8:40 PM
    • 2,369 Posts
    • 24,638 Thanks
    Well done everyone.

    I was determined to get dowstairs and stay onn my feet today. Still very slow and having to sit down frequently but I have:-
    Dried and put away all the previously washed pots
    Washed a quilt and put it out on the line
    Washed dried and put away latest batch of pots plus frying pan, roasting pans etc
    Sprayed the kitchen windows inside and out (was supposed to go back later)
    Boiled some eggs (unfortunately forgot them and they exploded - all cooling in back yard)
    Boiled more eggs successfully
    Made 5 portions of sweet potata mash, keeping an eye on the eggs
    Make leek and sweet potato soup (leeks were ys'd to 8p a pack)
    Took cs and food bank donations
    Hung 3 pictures
    Chopped up celery and another leek for celery and sweetcorn soup

    Had plans to do more but went very cold suddenly and currently sat on the bed with the fluffy cardi on, trying to stay awake. Will have to put a clean sheet on the bed at least.

    Today I am grateful for enjoying cooking (been struggling to think further than a sandwich), for having enough food to donate to the food bank and for another visit from DS2 and Brodie the dog.

    ccl cross posted but isn't it great just to have achieved something and be properly tired because of it.
    Last edited by mothernerd; 13-10-2016 at 8:44 PM.
    This year I will be fierce
    NST May #13 SFD 11/19 Food £129.13/£120 Travel £15.20/£15 Ent £22.44/£30 (+ £20 membership fee)
    No Debt No mortgage
    • Seasidegal58
    • By Seasidegal58 13th Oct 16, 9:49 PM
    • 1,930 Posts
    • 11,816 Thanks
    look after yourself mothernerd - can't believe you've done all that today while you are poorly

    I failed my NSD day as had to buy Pret soup as overslept and forgot packed lunch.

    However with help of quidco managed to get my annual travel insurance for only a few pounds dearer than last year ( it's never cheap because of pre-existing conditions and age).

    Also made a cheeky £2.80 by buying boss's annual sub to industry mag online via my Cashback card and will claim back cost on expenses. Would do victory dance but can't as still have cough and would probably fall over!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Siebrie
    • By Siebrie 13th Oct 16, 9:58 PM
    • 1,138 Posts
    • 18,595 Thanks
    C went to doctor who was unable to give him anything to help. Apparently it will go away of it's own accord in due course. Hope that happens soon so we can all get some sleep. Poor soul is feeling really unwell and very tired since he spends most of the night coughing.
    Originally posted by Toni'sfriend
    I'm sorry to hear it, it must wear you out. What helps me when I cough at night is to have a high pillow, so that my head is up, and a spray of watermist from a spraybottle, straight into the air above the face area. Set it to its most misty setting and aim for the ceiling. One or two squirts will do. Hth.
    Wombling to wealth 2018 € 508,05 = £ 443.74
    Still a womble 2017 #25 € 7116,68= £ 6309.50
    Wombling Free 2016 #2 € 3.483,31= £ 2,969.05
    • x_raphael_xx
    • By x_raphael_xx 13th Oct 16, 10:08 PM
    • 3,540 Posts
    • 18,449 Thanks
    Managed to do a couple of surveys. Maybe I'm beginning to get the hang of it.
    Originally posted by Toni'sfriend
    I've only started doing them this month too, I'm really enjoying it at the moment, I keep refreshing the app hoping another survey will pop up. I'm up to £4.47 now

    NSD no.10 for me today, halfway to my goal of 20. Paid for my sax lesson, but it's budgeted so I don't count it.
    I've also worked an extra 5 hours today, which will make up some of the shortfall from last weeks sick absence. (Almost forgot what time I was due in and had to rush so I wasn't late).
    Debt Free as of 17/01/2009 Turtle Power!!
    May NSD's - 13/19 / Lose weight 11.2 lbs / 50 lbs
    EF Challenger #36 £139.93/£1800
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