Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

    • apple muncher
    • By apple muncher 29th May 17, 7:47 PM
    • 7,271Posts
    • 54,703Thanks
    apple muncher
    NST June 2017: Jiggle Free June
    • #1
    • 29th May 17, 7:47 PM
    NST June 2017: Jiggle Free June 29th May 17 at 7:47 PM
    NST June 2017: Jiggle Free June

    Welcome one and all to your 30 day June challenge.

    An opportunity to reduce how much you jiggle – financially, fitness-wise, healthwise…

    This is an opportunity to decrease your debt, increase your savings, reduce your wants, reject consumerism, use up foodstuffs that have been lurking at the back of the cupboards for far too long, simplify your life and move forwards.

    To quote ninjasavingkat: “As we clear out debts, we clear our lives. Of things that tie us down, make us unhappy, look untidy, feel wrong and don't fit our lives any more. The idea of clearing our debts is to improve our life - right?!? Well we need to be healthy in order to enjoy this debt free life, don't we?”

    These are the rules:

    • This challenge will commence on the 01st June and end on the 30th June.
    • You will aim for 12 Non Spend Days (NSDs) plus an added extra of your choice... so another 4, another 9. You decide! You do not lose an NSD for medication or fuel or purchasing ONLY yellow stickered goods.
    • Pay towards your debt first! This is imperative. You have your debt free date in mind (I hope!) Well calculate how much you need to pay per month to reach it - and pay that first. Live off the rest. Simples.
    • Set your budgets now, before the month starts. What you are spending on food, petrol, bills, clubs for the little ones and what you are using as a back-up plan or miscellaneous budget. Set that money aside and stick to it for the month.
    • You need to incorporate 3 proper exercise sessions a week. These are to get the heart rate up. The cleaning or ironing doesn't count. It has to be 20 minutes minimum as well - MAKE IT COUNT! (I am limited by having damaged my big toe rather badly, so no aerobic anything here. But I can still do squats, deadlifts, elevated push ups (ha ha!!!)… It’s not what you can’t do, but finding a way around your limitations.)
    • This month, make every effort to use your everyday routine to add an "extra" session of fitness wherever you can - in every way possible add little extras to your day and don't look for the 'easy" option all the time.
    • Plan Plan Plan. Look at the month ahead and be prepared for what is coming your way. Do you need to get more cat/dog food..? Prep now so you don't have to use your credit card or panic. Preparation is the key to success.
    • Plan your outings – remember: no cafes / restaurants / work canteens / no vending machines or corner cafes… Take food and drinks everywhere with you.
    • Check in here every day – we love to share in victories whether large or small, cheer each other on, and support each other in tough times.
    • And finally: reject consumerism as much as you can. This might seem hard, unrealistic, or even stupid, but the longer you have been doing these challenges, the more you know it makes sense. Tell us your triumphs!
    Who is with me?

    Last edited by apple muncher; 29-05-2017 at 7:58 PM.
    NST May #1; NSD 12/19 ; Ex 16/20 ; 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
Page 12
    • Lauralozzle
    • By Lauralozzle 12th Jun 17, 9:38 PM
    • 560 Posts
    • 4,955 Thanks
    We are now one third of the way through June.

    Look back on the last 10 days and reflect on what you have done well.

    Then look at the next 10 days: what will you choose to focus on.

    (I'm going to increase my 'extra' exercise and really make my workouts count)
    Originally posted by apple muncher
    I've kept within budget and have resisted the urge of takeaway coffee on a whim. That's a big one for me. Exercise has gone well too.

    I'm going to continue focusing on my budget for these next ten days I really have to keep this under control.
    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
    • SkintTeacher
    • By SkintTeacher 12th Jun 17, 10:01 PM
    • 333 Posts
    • 1,902 Thanks
    nsd 6 today
    So far in June I have dome really well with exercise and I'm well on track for my charity 10k in July. I'm also doing core and more general weights and I am branching out each time I go to the gym - I try a new machine or piece of equipment each time. I haven't quite gained the courage to venture into the muscle head bit yet but maybe when it's quiet...
    Work is going well. The residential was my first as a leader and I was proud of how smoothly it went. I also managed to take enough healthy snacks to last me the week and rejected consumerism each day by forgoing expensive coffees and instead taking cartons of fruit juice (ecno brand). By day 5 this took all my will and I did once crumble when it was chilly and had a hot chocolate. I took £30 cash for the week and came back with about £1. This was mainly spent on presents for my little boy!
    Term will be over soon and so I'm looking at the next few weeks of June as an opportunity to get my head down and spend as little as possible.
    My aim for the summer will be not to dip into my 'shallow' savings - I'm terrible for this, especially when OH suggests doing something nice and I end up thinking life's too short when what I should say is, 'that's a lovely idea, but can we do a cheap Park picnic instead!? '
    Was really pleased the other day when he suggested a trip up the local park instead of a beautiful set of locks about half an hour away, ' to save on petrol'.

    Will continue to work hard on money saving and healthy living - I'm now cycling to work every possible opportunity and also to and from the gym.
    • misstara
    • By misstara 13th Jun 17, 7:43 AM
    • 2,723 Posts
    • 19,287 Thanks
    Yesterday was a NSD 6/16 and I ran home from work. Love running home from work as it's good exercise, I get home quicker and I leave my purse at work so no spending.

    Today I need to get some more fruit and also need to book travel tickets for visiting my brother and SIL next month.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £815.50 (64.6% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 9/16. Groceries target £163.24/£200. NSD target 10/19.
    • lcc86
    • By lcc86 13th Jun 17, 8:31 AM
    • 975 Posts
    • 3,002 Thanks
    Been for a run this morning and surprisingly really enjoyed it! Didn't struggle either so overall fitness must be improving I'll also have a walk at lunchtime, but have hit my exercise targets for the week.

    Today will also be a NSD, bringing me up to 7/15. Nearly halfway and I should get a few this week (hopefully!).

    I'm really enjoying this challenge and think I'll do another next month. I've never done a monthly challenge before on here, and have struggled at times to keep track of my spending since becoming debt free, so this has really helped - my original diary
    £1117/£1000 EF £538 saved for household jobs
    Debt free and in the black for the first time in 11 years
    • Florence J
    • By Florence J 13th Jun 17, 9:28 AM
    • 1,893 Posts
    • 11,183 Thanks
    Florence J
    My goals for the next ten days. UPDATED

    *Do 4 sessions on the exercise bike, including one that is 90 minutes long.

    *Arrange X Ray on my leg to see if I have a stress fracture so I can know if I need to rest it or if I can take up running again.

    *Get all the documents I need ready to do my self employed taxes.

    *Attend introductory session with my potential counsellor-arrange first formal session if a good fit, find someone else if not.

    *Go to the library and take out books to do with Mental Health/Social Anxiety/Depression as I am in a bit of a low state at the moment (the fact I am arranging to see a counsellor may have been a clue)

    *Keep up with my blogging and other general commitments.

    I'm doing ok on my goals but still have a little way to go.
    Sealed Pot Challenge 11 #553
    £1000 Emergency Fund Challenge #253
    Wombling free 2017 = £2195.92
    Pay off all your debts by Xmas 2017 #53 (£3168.45/£3000)
    February 2018 Credit Card Debt: £3885
    • FurryBeastOz
    • By FurryBeastOz 13th Jun 17, 3:22 PM
    • 1,193 Posts
    • 15,845 Thanks
    Ouch. Definitely not a NSD. £500 before the lawyer has even started. Then my phone died so I missed 2 vital calls. Grrr. Emergency visit to 3 meant I didn't have time to prep food. Add on bus into town and an essential caffeine stop while waiting.

    I'm going to do the milk top up on the way home to try and avoid a spend tomorrow.

    Positive note, I did go for the dog walking this morning, so £10 earned against legal fees.
    Goals - Weight loss 6/26lb at 22nd Jan 18
    • mothernerd
    • By mothernerd 13th Jun 17, 9:34 PM
    • 2,364 Posts
    • 24,576 Thanks
    Hugs FBO.

    A NSD for me. Up at the crack of dawn to take mum to another appointment. Very good journey (we were expecting traffic jams) and went in early. Don't need to go there again until September. Consultant recommended the new pneumonia jab as her markers for resistance were low.

    Have line dried washing and put out the bins both here and at mum's but lack of sleep (3 - 4 hours) is holding me back. Going to switch off soon and hope for an early start tomorrow (could only find one trainer yesterday, need to fight back against the chaos).

    Today I am grateful for a smooth journey and easy appointment, getting a few things done and filling the bin.
    This year I will be fierce
    NST May #13 SFD 9/19 Food £115.63/£120 Travel £11.70/£15 Ent £3.44/£30 (+ £20 membership fee)
    No Debt No mortgage
    • Fmess
    • By Fmess 13th Jun 17, 10:11 PM
    • 2,702 Posts
    • 25,894 Thanks
    SFD 7 today (6 yesterday) and not much else to report except work.
    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
    • XSpender
    • By XSpender 13th Jun 17, 10:12 PM
    • 2,965 Posts
    • 30,333 Thanks
    2 NSDs in a row so far this week

    I haven't managed to do any exercise but have eaten much more healthily.

    I have also paid £200 extra off the CC today, another £10 and I will have achieved my target for this month
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£995
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • pippy1971
    • By pippy1971 13th Jun 17, 11:21 PM
    • 144 Posts
    • 862 Thanks
    It's my first post in a while as we were away for my daughter's 9th birthday this weekend. The cost of the trip shocked me and I am sorry to report that although a lovely time was had by all, I am now more broke and in more debt than ever

    But, onwards and upwards. Will be working harder than ever to get to my DFD now that it's 'out of the way'.

    Have not done any specific exercise, but walked for miles every day. Have been trying to squeeze a whole weekend's housework into one evening today. Also, the plants that I have been growing from seed were looking very neglected so had to see to them today too, and had to fit this in after work all day and then taking both children to the dentist. Yesterday didn't fare much better as I had forgot I had a Governors meeting at my daughter's school and then had to go to the supermarket for a cake as they always do a party at school for children on their birthdays.

    Tomorrow my daughter has an after school club, and then it'll be home to make a dent in the masses of ironing that is taking over my house!

    I am very much looking forward to the weekend!! Have OH fathers day gift sorted, but struggling with what to get my Dad...think I will get him some PJ's as he is always cold in the evening.

    Will catch up with what you have all been up to later. Today I am grateful for managing to fit so much in, that the children have healthy teeth and for getting back on track with my MSE plans!
    NST June 2017: Jiggle Free June ..number 18
    The 365 day penny challenge £49.89
    1 debt vs 100 days challenge 26... #2
    • thriftylass
    • By thriftylass 14th Jun 17, 10:52 AM
    • 3,306 Posts
    • 27,076 Thanks

    Finally getting somewhere with my SFDs, on 5 today. DS is mostly over his chickenpox and back in school. So FIL left again and we can go back to less elaborate dinners (felt bad that he came all the way to babysit so I thought I feed I'm him very well at least).

    Run today at lunch but no fast day today. I think I better start with the 5:2 (so wait till Friday for another one) as 4:3 might be too much, although I have read triathletes and other sporty people doing it. Will need to read more about it so I can utilise the health benefits without the weight loss.

    Still not had the results back from the vet, but the cats lump in her face is getting bigger too fast for my liking .

    DH ordered himself a new phone for £250 and it hasn't turned up yet. There were no reviews on Amaz0n till yesterday when two people reported they hadn't received theirs or had contact. DH tried to contact the company and hasn't heard back either. He'll get in contact with Amaz0n today.

    I booked myself a cheap train ticket and two nights in a YH for my triathlon in August. DH asked if he and the kids should come, if i'd be alright - YES, I'll be fine, can't wait to get a weekend to myself, actually

    Have a nice day
    NST May
    SFD6/20 spends 294/400
    Exercise 4/15
    Debt - all 0% 1010 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 104915 (02/18) OP 0
    • lcc86
    • By lcc86 14th Jun 17, 1:04 PM
    • 975 Posts
    • 3,002 Thanks
    Afternoon all,

    Thoughts are with those affected by the massive fire in West London - the building isn't far from my work and I pass it sometimes. I hope the death toll doesn't rise any further

    Today won't be a NSD as I have a riding lesson later on today so have to pay for that. I'll also get some aftersun and possibly some of those passport sized pictures to avoid having another spend day tomorrow.

    As I'm riding I'll count that as my day's exercise. In this heat it's going to be hard work for sure! - my original diary
    £1117/£1000 EF £538 saved for household jobs
    Debt free and in the black for the first time in 11 years
    • misstara
    • By misstara 14th Jun 17, 1:46 PM
    • 2,723 Posts
    • 19,287 Thanks
    NSD 7 today, I'm just off to work and have left my purse at home so no chance of ruining it. Went for a run this morning, it was a real struggle (just shows how much my fitness has declined after 2 weeks being ill) but I did see some seals
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £815.50 (64.6% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 9/16. Groceries target £163.24/£200. NSD target 10/19.
    • Calling14
    • By Calling14 14th Jun 17, 2:57 PM
    • 2,702 Posts
    • 19,749 Thanks
    Another sad day I fear the death toll will however rise in London flats. Sheer horror of it. Thoughts with everyone affected by it.

    I did 3.5 hrs of gardening yesterday, somehow managed to do 11.5k steps even though I didn't go for a planned walk.

    Spent five pounds today, fruit, milk and scones today.

    Proud mummy dd got interviewed for Radio Wales yesterday giving blood just six months to the day after having her baby. I go Friday they must be short as already made appt but rang me up chasing last night and I am not a rare blood type.

    Other dd returns home next week after 18mths away, getting emotional just thinking about seeing her.

    Hugs to everyone feeling tad down x
    LBM 13039 1.1.13 Start 2018 £5552 NOW £3112
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 £2440/£5552 DFD 12/18
    Fund #9 £220/£1,000
    1 x 100 days challenge

    • cuddlymarm
    • By cuddlymarm 14th Jun 17, 3:01 PM
    • 1,090 Posts
    • 4,936 Thanks
    Hi guys
    Well I've done my exercise and 1 extra for this week.
    Unexpected spend today because I've got an interview on Friday so needed smart pants and a blouse suitable to go in (unfortunately anything suitable I already had were too small) But both items will be usable again so not too bad.
    Cottage pie for tea, so I will make extra mash which can be warmed up tomorrow with the extra portions of stewed beef I put in the freezer last week.
    I hope everyone is ok and keeping well and motivated.
    • crazy_cat_lady
    • By crazy_cat_lady 14th Jun 17, 6:40 PM
    • 3,507 Posts
    • 29,989 Thanks
    Totally devastated with the latest news from London. There seems to have been so much bad and sad news in recent weeks...
    All remains quiet here at the moment - work, mark, sleep. Still busy. More things to do than I can physically fit into a day. I'm not being very mse but I'm also not running up a load of debt either...
    Raph - hope Duncan is doing ok.
    DFD 6 Nov 15 - paid £28,447
    • abundant1972
    • By abundant1972 14th Jun 17, 6:51 PM
    • 1,227 Posts
    • 9,215 Thanks

    Quick check in tonight from the last few days...

    Today = NSD number 7

    Today I am grateful for:
    • A gloriously sunny day
    • Overtime at work
    • My new car and having a sunroof!
    Overtime meant I didn't get out to do my exercise and I'm knackered!!! On the upside- I have done 4 days of mindfulness on the trot and early nights seem to be helping me loads.

    Have a lovely evening all x
    Ask do I 'want' or 'need' this before I spend
    Follow your heart & be true to yourself always
    Help To Buy ISA = £6046.13. EF = £2500/£4500
    NST : NSD=0/18 : Food & Spends=£0/£200.00
    Exercise : Joe Wicks 90 Day SSS Plan!
    • FurryBeastOz
    • By FurryBeastOz 14th Jun 17, 7:13 PM
    • 1,193 Posts
    • 15,845 Thanks
    As I didn't trust myself to shop yesterday I had to pick up Yogurt today, but managed to stick to that and some Pepsi Max, and some Non-alcoholic wine (a treat for a REALLY CRAPPY birthday).

    Apparently while I may get my money from the ex-boss, it is likely that if he reports me to my governing body my career is over. So despite the fact that DH came home with a card and flowers and the makings for tiramisu I am feeling thoroughlly miserable.

    Sorry about the winge.

    On a more positive note I did day 3 of my meditation. Did my German Duolingo for the day and clocked up 9,000 after I got back out of bed this afternoon.
    Goals - Weight loss 6/26lb at 22nd Jan 18
    • x_raphael_xx
    • By x_raphael_xx 14th Jun 17, 7:57 PM
    • 3,535 Posts
    • 18,411 Thanks
    Raph - hope Duncan is doing ok.
    Originally posted by crazy_cat_lady
    Thank you, he's fine now. Although he did give us a second scare the next morning.
    We went out for his early walk with bf, met one of his friends and went rolling in the early morning dew in the grass.
    When he got home and was dried off, we noticed lots of bumps on his head, as if he'd been in some stinging nettles (there aren't any in the park) the bumps/spots spread down his neck and onto his legs and tummy right in front of our eyes. I sent bf to work and decided I'd stay home until the vets opened then would give them a ring.
    Apart from being very itchy, the spots didn't seem to bother Duncan.
    By the time the phone lines opened at 8am, the spots had disappeared. I didn't think there was any point taking him to the vet with nothing to show and he seemed fine so I left for work. I think it was either an allergy to a plant in the grass, or something they've sprayed in the park?
    He's going into the vets tomorrow for a scheduled check up (worming & flea stuff etc) so I'll mention both instances then.

    Didn't post yesterday, was very tired and falling asleep at 8.
    Bf did a shop, so not a NSD. I did have a run, achieved my 10,000 set goal and cooked a very tasty hallumi & salad wrap for tea.

    Today I've had to send a scary large lump sum of money to the conveyancers for the house deposit & fees balance. Looks like we have a tentative completion date of 10th July! Not going to count it as a spend day, as it was all budgeted for and the money kept to one side.

    NSD's 8/20 - Tempted by an iced mocha as I walked past Costa, but resisted.
    3 exercise sessions a week 1/3 one run completed yesterday.
    Extra fitness session 10,000 daily goal. 10,000 yesterday, just 6000 so far today.
    Reject consumerism Rejected!
    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
    • apple muncher
    • By apple muncher 14th Jun 17, 8:07 PM
    • 7,271 Posts
    • 54,703 Thanks
    apple muncher
    Today I am grateful for getting lots of walking done, for my 12KG kettlebell, for my counsellor, for Jeremy Brett as Sherlock Holmes, for getting my veggies down me today, for spending spot on £30 to qualify for my money off coupon in sainz, for an abundance of raspberries, for online recipes, for pictures of gs, for birdsong.

    My aim ton workout hard and increase 'other' exercise is going well, thanks to my KB. Tomorrow's workout will be using my sandbag.
    NST May #1; NSD 12/19 ; Ex 16/20 ; 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
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,740Posts Today

6,311Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line?

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin