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  • FIRST POST
    • thriftylass
    • By thriftylass 29th Aug 17, 3:16 PM
    • 3,358Posts
    • 27,566Thanks
    thriftylass
    NST Super September Scrimping challenge
    • #1
    • 29th Aug 17, 3:16 PM
    NST Super September Scrimping challenge 29th Aug 17 at 3:16 PM
    A warm and fuzzy autumnal welcome to the NST Super September Scrimping challenge, for newbies and seasoned debt busters alike.

    (Don!!!8217;t want the following to sound too harsh but I need it this month)

    September means for many getting back into the swing of new school and work routines. Also, the colder months are looming and we should maybe consider starting to get ready for winter and the festivities or at least start a wee bit of forward planning.

    The whole idea of this challenge is for you to start looking to where you WANT to be, consider why you aren!!!8217;t at that point and start realising what is going WRONG. And also, I need you to help me because when I have people to answer to I won!!!8217;t spend anything!

    Seriously though !!!8211; you can!!!8217;t save for a house if you have debt. You can!!!8217;t have a new kitchen if you can!!!8217;t afford the food to put in it!!!8230;!!!8230;!!!8230;!!!8230;!!!8230;. you need to get a debt free day graved in stone and start aiming for it. Enough is enough. Christmas is but 16 weeks away !!!8211; are you ready for that little charmer?

    So again, I!!!8217;d like to go back to basics and a few stricter rules back form NinjasavingKat!!!8217;s days.


    These are the rules!!!8230;.. clear and simple!


    *This challenge starts on the 1st September at 00:01 and closes on the 30th September at 00:00.

    *Try and check in once a day with your progress !

    *Get a little notebook that you can fit in your bag, or a slip of paper! Write down everything you spend - good and bad!!

    *You will aim for 18 SFDs!(Spend Free Days). If purchases of !!!8220;yellow sticker delights!!!8221; are made without full price items this is an SFD. Medication and normal monthly DD!!!8217;s or CC payments are exempt and you may class these days as SFD!!!8217;s also.

    *Pay you debts and bills first, budget to live off what is left!

    *You must decide on a budget for food now. This must be stuck to rigidly until the last day of the month ! Consider how much you REALLY need to feed your family, make meal plans, limit snacking with the kids or tell them !!!8220;when it!!!8217;s gone that!!!8217;s it until next week!!!8221;. Mine is 350.

    *Try and eat everything in your cupboards and freezer BEFORE buying any more. Money spent each week will be for essentials !!!8211; bread, milk and fruit & veg before buying more. Get right down to the bottom of that chest freezer, get out those nearly out of date packets of rice. Stop stock piling for Armageddon and wasting money. I don!!!8217;t care if you are prepping for visitors or a !!!8220;just in case!!!8221; situation! (note to mainly myself: STOP SPENDING SO MUCH ON FOOD!) I need to defrost my freezer and clean my fridge so this rule will help

    *You must bring your lunch to work every day. No coffee shops, no work canteen, no cafes, no sandwiches !!!8211; NOTHING. You will waste SO many precious !!!8217;s when something better can be created at home. If you think it doesn!!!8217;t matter and I won!!!8217;t find out !!!8211; you are right. But you are cheating yourself.

    *Plot the course of your social life now before the beginning of September. Make sure you have a budget planned for meals that can!!!8217;t be wormed out of and birthdays etc. Money placed aside for holidays can be classed as !!!8220;no spend days!!!8221; !!!8211; anything over the budget will ruin that SFD!! Cancel something you really don!!!8217;t want to go to !!!8211;you HAVE to start making sacrifices now.

    *Decide on your DFD!!!!8211; when do you want to start doing what you want to do???

    *You will accomplish some sort of exercise per week, 3 sessions of 20 minutes anyway you want. Walk someone!!!8217;s pooch, walk to work, walk around your block 5 times!!!8230; anything!


    *Beauty spends are not allowed to exceed 10. That includes you boys as well. Use up all that you have in the house BEFORE spending anything more on beauty bits !!!8211; seriously how many body moisturisers do you need ladies?

    *Make time for yourself this month. Even if it!!!8217;s only 10 minutes a day do something for yourself whether that is going for a walk, having a bath with loads of bubbles or sitting outside with a drink !!!8211; we need to make the most of the evenings.

    *Keep the heating off as long as possible, put a jumper on etc. We live in the north of Scotland in an 80s bungalow with metal windows. So it might be a challenge



    That!!!8217;s it!!!8230; think you can keep up?

    Contenders:
    1. thriftylass
    2. apple muncher
    3. greent
    4. DawnW
    5. determined new ms
    6. Calling14
    7. jojitsui
    8. misstara
    9. f0xh0les
    10. Tempus01
    11. 1LuckyLady
    12. cybertortoise
    13. dizzyblnd
    14. mothernerd
    15. Shakey87
    16. clippy_girl
    17. Fmess
    18. stoplurking
    19. ChasingSunshine
    20. Eager_Elephant
    21. Tjzdazz
    22. Kerry Woman
    23. FurryBeastOz
    24. Buffethedebtslayer
    25. bizzie
    26. squanderscouse
    27. Sun Addict
    28. LD_13
    29. NelliePie
    30. vintagebrighton
    31. indigowarrior
    32. crazy_cat_lady
    33. LollyPop0312
    34. foxgloves
    35. redofromstart
    36. Lauralozzle
    37. Abundant
    38. ooitsme
    39. threepenny bit

    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by MSE Andrea; 13-09-2017 at 9:13 AM.
    NST June
    SFD 5/20 spends 474 (incl MOT which I might claw back form savings if needed)/540
    Exercise 5/20
    Debt - all 0% 1015 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 102400 (07/18) OP 0
Page 12
    • f0xh0les
    • By f0xh0les 6th Sep 17, 2:05 PM
    • 1,549 Posts
    • 12,799 Thanks
    f0xh0les
    Weighing in with NSD 4 already. Should have been spendy but due to tradesmen being water soluble or badly organised, they have not needed paying.

    Tumble dryer broke down but still has 5 weeks left on the 12 month warranty so getting a new control board and heating element before it is no longer for free. - I only wanted to dry off the school uniform that had been on the line, it was a good job I did or I might not have used it for another couple of weeks.

    Heating still firmly off in the L'shire, mentioned it on the playground and was surprised the amount of people who have theirs on already. People really fall for the nonsense that kids must be kept at a steady 18 degrees.
    Those nursery thermometers that you stick to the wall are the culprit I bet. The ones with HOT, OK and TOO COLD you get in the baby packs.

    Using up stuff - two ends of toothpaste tubes gone by putting them on kids toothbrushes before they get up and having them ready at bedtime. My kids only recognise mostly full tubes.
    Two ends of moisturising cream, slathered on anything that hasn't got out of the way fast enough. Good job I don't have a cat.

    Eating from freezer going really well. Using up odds and sods all over the place. Tonight will be an all day breakfast using up veggie bacon and veggie sausages with all the YS mushrooms, tomatoes from fridge with lots of YS toast and YS (boshed tins) baked beans. The kids will love it. The fridge will look much neater and may even be cleared and cleaned by Friday.

    All kids sent in with packed lunches 2.20 a day is a bargain for school dinners but with 4 kids =8.80 a day, which will make them ALL lunches for a week including extra drinks.So pack ups it is,

    Feeling soup-dragon like at the minute. It feels a little bit Autumny. And now I have mastered dough balls, home made soup and dough ball
    s is apparently a suitable supper as long as it is followed by ice cream.
    I love it, it is packed with veg, and low fat, and cost pence. Win, win, win.
    MFW START DATE May 16 118,340 : Oct17 - 109,495.00Dec17 108,800Jan 18 108,392.98 March 18 108,504.72April 108,099May 106,999June 105,999.99
    July 105,300.00
    NEXT GOAL is sub 105k before JulyMortgage-free wannabe 2018 #65
    • thriftylass
    • By thriftylass 6th Sep 17, 2:12 PM
    • 3,358 Posts
    • 27,566 Thanks
    thriftylass
    Heating still firmly off in the L'shire, mentioned it on the playground and was surprised the amount of people who have theirs on already. People really fall for the nonsense that kids must be kept at a steady 18 degrees.
    Those nursery thermometers that you stick to the wall are the culprit I bet. The ones with HOT, OK and TOO COLD you get in the baby packs.

    In my case it's the DH that needs convincing. If he just would get dressed first thing in the morning rather than wandering about in his thin dressing gown, it wouldn't be an issue. So far it's still off though

    All kids sent in with packed lunches 2.20 a day is a bargain for school dinners but with 4 kids =8.80 a day, which will make them ALL lunches for a week including extra drinks.So pack ups it is,

    Luckily another 2 years for DS of free lunches.

    Feeling soup-dragon like at the minute. It feels a little bit Autumny. And now I have mastered dough balls, home made soup and dough ball
    s is apparently a suitable supper as long as it is followed by ice cream.
    I love it, it is packed with veg, and low fat, and cost pence. Win, win, win.
    Originally posted by f0xh0les
    Please share your dough ball recipe. Got a massive soup recipe book and will get that out soon again too.
    NST June
    SFD 5/20 spends 474 (incl MOT which I might claw back form savings if needed)/540
    Exercise 5/20
    Debt - all 0% 1015 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 102400 (07/18) OP 0
    • redofromstart
    • By redofromstart 6th Sep 17, 4:31 PM
    • 1,838 Posts
    • 11,265 Thanks
    redofromstart
    5/30 a no spending day (YSd veg spend)
    27.85/500 on groceries - all spends recorded. Doing this is prompting me to update the spreadsheet which is good
    Dinner: Sausages and mash (sausages from freezer, veg from freezer, YSd potatoes for mash, bad gravy from jar). Also roasting a chicken for packed lunch meat - again RTC from freezer
    Time for me: Busy day again, but bath and book later.
    • squirrelgirl
    • By squirrelgirl 6th Sep 17, 5:28 PM
    • 205 Posts
    • 1,221 Thanks
    squirrelgirl
    No spends still (thanks everyone for the advice ) so doing well with that.....however, no exercise today as I've been on the road all day and am wiped!!
    15 Month Challenge: House - 3262/25300; Mortgage - 0/17000 ;
    MFW No. 167 300/ 15000
    • DawnW
    • By DawnW 6th Sep 17, 6:24 PM
    • 5,102 Posts
    • 40,349 Thanks
    DawnW
    Evening all
    Managed a SFD
    Used up various food bits and leftovers. One use up backfired on me a bit though, as I made chilli jam, and mistakenly used preserving sugar (that I had in the cupboard) instead of jam sugar, and it hasn't set I googled, and they are different. So I now have 6 jars of sweet chilli sauce, which I guess isn't all that bad!
    Not managed much exercise, just a dog walk which involved lots of stopping and sniffing (the dog that is, not me!)
    Haven't bothered cooking dinner tonight, as OH went to a meeting which provided food, and I am happy to eat some bits that we already have rather than cooking more
    Will need to do a shop tomorrow probably, as I am running out of basics such as flour. I will take a list, and it will not be a long one!
    July NSDs - 5 / 13
    Groceries, toiletries, cleaning supplies and pet supplies - 170.56 / 250.00
    • crazy_cat_lady
    • By crazy_cat_lady 6th Sep 17, 6:52 PM
    • 3,604 Posts
    • 30,906 Thanks
    crazy_cat_lady
    Evening
    Just a quick check in from me to report another nsd. Another busy, but loads better at work today than my horrid Year 10 class from yesterday. I have them again tomorrow for 2 hours which had better be an improvement on yesterday.
    Other than that - all is quiet, and I'm already quite tired.
    June Odessy NSD 6/10 DFD 6 Nov 15 - paid 28,447
    • Kerry Woman
    • By Kerry Woman 6th Sep 17, 7:09 PM
    • 2,381 Posts
    • 23,164 Thanks
    Kerry Woman
    Day 6
    redofromstart, DawnW, thriftylass and greent
    - Thanks regarding the temp job. Only did some of the training for the job. Have not done a few things before even though I have temped in schools offices before.
    Earned another SFD so now standing at 4/18.
    Walked today 10 minutes each way from bus stop to/from the school.
    Took my lunch to work. Was told school lunch costs 3.
    Read my book on one of the buses which is a long journey and also at lunchtime.
    Got paid the training for the other bank staff I joined. Did phone for one temp job but no luck. They send temp alerts for available work.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST 07/2018 - Survive July! NSD 13/20
    • Sun Addict
    • By Sun Addict 6th Sep 17, 7:34 PM
    • 5,912 Posts
    • 39,211 Thanks
    Sun Addict
    Check in day 6. SFD 3/18. Groceries 97.50/400. No heating on yet. Exercise walk to work and back plus 30 minutes in work gym at lunchtime. Always take my lunch to work anyway. No coffee shops etc. Always have me time - coffee and a read of my book when I get home from work and a nice soak in the bath later.

    Loving this challenge so far, it's really keeping me on the straight and narrow
    Virtual Sealed Pot 2018 296.07
    Debt 2300
    Weight loss 1/6LBS
    Emergency Fund 4000/10,000
    • apple muncher
    • By apple muncher 6th Sep 17, 7:55 PM
    • 7,474 Posts
    • 56,297 Thanks
    apple muncher
    Dh changed the bed today and asked me if I wanted the winter duvet on. I replied that I was fine at the mo - he concurred - and mentioned that the heating is off until October. Bless him, he didn't flinch one bit! He can always work at his computer desk with warm air fom the base unit keeping him toasty, if necessary.

    Today I am grateful for paying in some money at the bank, for plenty of walking, for getting even more paperwork done, for enjoying the teaching I did, for a quickish journey home, for a warm afternoon, for a yummy tea, for getting on with more of my bunnies, for feeling on top of things.
    NST Survive July #4; NSD 9/15; Ex 13/20 ; craft / (77); remove 29 (509)
    2018 Pay off: 2334; 2
    018 sell 49.10; WLOSW /10

    Mortgage 20,809 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • foxgloves
    • By foxgloves 6th Sep 17, 8:16 PM
    • 4,147 Posts
    • 21,528 Thanks
    foxgloves
    Hi SeptemberScrimpers,
    Check-in 6/30.
    Not a SFD but am.not concerned by lack of these as I think we are doing very well considering that we are on holiday. We are using our designated cash bag for all food spends & if we want anything else, we're using our monthly personal spends. Free coffee today courtesy of National Trust loyalty card. Camping is fun (I wasn't saying that last night when 5 hours of pounding rain started fetching water through our tent seams!) & much more affordable than other options.
    Exercise goal - Yes, already done about 8000/7000 steps. Total will probably be about 8500 today.
    Time for me? Lots of it. Love watching the sea.
    Been chatting to mr f about our frugal autumn & he's all for it. Soon be back in our routines at home & will be tweaking all sorts of things to save a few s here & there.
    F x
    Money can't jump out of your purse on its own so ask 'Can I borrow one, make one, grow one, bake one, re-purpose or recycle, acquire it for free?' Yes? Then put that purse away & keep your money because little savings grow!
    Loan pay-down fund instalment 2 = 470-01
    Payment received from surveys: 2015 = 320 2016 = 210 2017 = 304 2018 = 264
    • vintagebrighton
    • By vintagebrighton 6th Sep 17, 9:35 PM
    • 556 Posts
    • 1,692 Thanks
    vintagebrighton
    Check in 6/30 and another NSD for me

    No money left out of our 40 food budget for this week but have enough food till Friday. Chicken soup tonight using stock and chicken from the freezer and a few fridge veg.

    No exercise done today. Went out but came back pretty sharpish cos I felt a bit wobbly.

    Me time - reading. Have about 4 books on the go and keep forgetting about them!

    Still no heating and don't really feel like we need it yet. Mind you, the guests might disagree

    VB x
    Australia (1% Challenge #6) ~ 0/100
    Weight Loss Challenge ~ 0/42
    Save 12k in 2018 #32 ~ 4000/6000
    • greent
    • By greent 6th Sep 17, 9:50 PM
    • 7,152 Posts
    • 72,791 Thanks
    greent
    Day 6 Check In
    Well the new fridge freezer arrived around 7.15 this morning Absolutely fantastic service from the delivery guys

    SFDs - 2/18. - not one today - food shopping in Tesc0, including some freezer items

    Extra monies/ debt repayment - 270 from large ebay item received - will be going on 0% cc towards f/freezer

    Food - Just under 50 spent today - total 124.80/ 450

    Eating up/ using up stuff - lunch today for me was the last defrosted breaded chicken breast with a heap of coleslaw. Dinner for OH was roast chicken, DS1 was bbq chicken (used up a jar of Nand0 periperi bbq) and I just had some defrosted cooked chicken in sandwich.
    I roasted 3 chickens and the breasts are in tubs with gravy. The legs are also tubbed. The 3 carcasses and remaining meat & juices are in the fridge and I will make stock tomorrow and strip remaining meat & freeze. There are also 8 portions of chilli tubbed in the freezer and 2 tubs of plain cooked mince (will make bolog another time)

    Lunches taken - OH & I both at home this week. Children all have packed lunches.

    Social life - still none as yet!

    Exercise - 2/3 for this week. Nothing formal for today, although fitbit shows over 90 active minutes and I have done over 11K steps

    Beauty - 2.73/ 10

    Time for self - definitely lacking yesterday & today

    Heating off - yep. Doors have been open today - mild and sunny - 2 lots of washing line dried in the sun
    Last edited by greent; 07-09-2017 at 10:53 AM.
    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) 2772.47/4000
    Net sales 2018 548.92/1000 PAYDOX18 (#15) Done 18918.90
    • stoplurking
    • By stoplurking 6th Sep 17, 11:17 PM
    • 349 Posts
    • 2,330 Thanks
    stoplurking
    Check in 6/30. SFD 5/18. LTW 4/21
    Eating up - "free" dinner using stuff from freezer and remaining salad.
    Nothing social to report
    No exercise to report!
    Hopefully tomorrow will bring some effort on the previous 2 items.
    Time for self - does binge reading Reality Check's DF diary count?
    Heating still off.

    Hope everyone is doing ok.
    LBM Oct12 Debts at LBM 17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 1193/4000 29.8%
    • cybertortoise
    • By cybertortoise 6th Sep 17, 11:43 PM
    • 119 Posts
    • 856 Thanks
    cybertortoise
    Sorry to jump in but thought I could reply...

    There is only 1 version which is the American one, it will only connect to American bank accounts.

    I am the same as you thrifty and would not want to link my bank account. I just enter everything manually anyway.
    Originally posted by Eager_Elephant
    Thrifty & Eager Elephant - If you want the older version of YNAB which doesn't have to be connected to your bank account (I have the older version and didn't know this was even possible), go to the YNAB website, scroll all the way to the bottom and there's a link which says older versions. They should still be good to go.

    Checking in today. Spent 26.18 of my grocery budget, thanks to writing a list, some vouchers and only buying what I needed for planned meals. Made an extra payment to my debts of an amazing 5.44! Every penny helps though. Exercise involved walking to the shops and back carrying all the shopping with my 17 yr old DD.

    I finally made an edible soup, they're usually too sweet or generally just disgusting! I used up the flaccid celery in the fridge, a couple of spongy potatoes and the dumpling mix from the back of the cupboard so I'm calling that a win for the use ups.
    Last edited by cybertortoise; 06-09-2017 at 11:48 PM.
    Fresh start & LBM #3: 29.08.17 DFD: 28.08.20 Debt at highest: 19383.27 Currently: 16576.07
    1% challenge: 0% Frugal 2018: 0/7500 Decluttering: 0/1095
    • bizzie
    • By bizzie 6th Sep 17, 11:51 PM
    • 169 Posts
    • 2,031 Thanks
    bizzie
    Check in 6/30 NSD 4/18.

    Time for self - counting a meet up with a friend, who treated me to lunch, as great chance to sit back and watch the world go by for a few hours.
    Still no heating and managed to get two new loads washed & dried outside.
    Groceries 90.13/300.00 Personal Spend /100.00
    NST July #19 NSD 6/13 @09/07/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • mothernerd
    • By mothernerd 7th Sep 17, 1:29 AM
    • 2,462 Posts
    • 25,733 Thanks
    mothernerd
    Running on 3 hours sleep today. Went to the doctor's early, bought a 17p 2l bottle of water to take with me, dropped off the case full of crafty bits on the way. Did my depression review (worse again - struggling to do anything besides looking after mum and feel important things are starting to fall through the cracks), prescrition for things I am running out of - need to go to CBT and prioritise my own health. Got a prescription for mum's long-term antibiotics and was just in time to catch the infirmary to sports village bus so only had to walk 2 blocks when I got off.

    Walked back, did a quick tour of the town centre - bought 2 dresses for 15 each in the charity shop, one Jacques 'Green' and one silk monsoon dress in black and purple (I don't do purple) and bought more vitamin D tablets as the ones I have keep hiding.

    Went to crafts - I have now been officially put in charge. One new man, several people missing as some were going on a trip , finished off the bits my partner and I had already agreed on on her angel (had about 4 things 'drying' last week so just putting them in place. The woman who likes to think she is in charge was 'helping' the new man (had already coerced one of the regulars into more book-folding whilst I and the other helper were collecting things from the cupboard.

    As she -who-likes-to-think-she-is-in-charge was bsuy she had the other helper working on her angels (she wants 4) including one for next Tuesday and then wanted some of the things I had done when she saw the one I was working on. So helper one sewed rows of small flowers onto the 'dress', I stuck it on and redid another that was coming unstuck and then various other bits including 4 pairs of pipe cleaner arms and two pairs of sleeves.

    New man did not take to book-folding (we had warned him that we were given the wrong instructions) but he was much more vocal than us - he was quite funny and think he enjoyed the illusion of having a 'harem'. We had to promise he would not have to do any more. When we asked him what his interests were he admitted to being a happy couch potato - his wife had dropped him off and collected him and I got the impression that she was organising him activities to get him out of the house - he's helping in the cs on Friday. He seemed to be content with being organised by others.

    Walked home from crafts, had a drink and some of mum's soft centres then out again to hit the shops. Very spendy, sorry (actually I am not sorry). Twin pack of leggings (will wear out the old ones but they are thinning and have white 'whiskers' - presumably where lycra fibres have collapsed with exhaution), basic black skirt, teal skirt, various tops (combination of full price and sale items) in black, navy and turquoise and New Knickers - all the old ones can go. I will not have knickers that try to embarrass my in public places. 2 cow has now been emptied. Most of the things are replacements for things that are on their last legs and I shouldn't have to stay in when the weather is bad and my few clothes won't get dry.

    Saw another travel agents and picked up a brochure for one of the coach companies who haven't yet got back to me, picked up some items for mum at HB (Arseda 1 for 68p, HB 3 for 1.25) and then went to Icyland for a quick home delivery, cost of which needs splitting into mine and mum's (mine was mainly a variety of frozen veg and some replacements for things Beloved used in her cooking binge).

    Came home, ate leftovers, food came on the dot of 7pm, read my book, fell aslepp and woke at 11pm. Had to go down and turn off the heating (as anticipated they had put it on). Still lots to do but must be positive and think about what has got done (oh brought the bins in at mum's and at mine and successfully dried a sheet, bathmat and pair of socks.

    Today I am grateful for understanding doctors, for not getting wet despite having no coat all day and for doing things efficiently.
    This year I will be fierce
    NST Jul #10 SFD 6 /13 Food 100.54/150 Travel 17.60/15 Ent/diy 6/30
    No Debt No mortgage
    • misstara
    • By misstara 7th Sep 17, 6:40 AM
    • 2,795 Posts
    • 19,785 Thanks
    misstara
    Quick check in for yesterday - NSD 4/18

    Used up various bits from the fridge in a quiche last night, first time I've ever made one and it came out very well.

    No exercise other than walking to and from work.

    Me time - catching up with GBBO.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 678.01 (70.6% paid)
    Car debt Nov 2017 797.68 Now 471.72 (40.9% paid) + monthly payments 146.82 7/60
    Emergency fund - 50/1000. Car fund - 122/1000.
    Mini Targets in July
    Exercise target - 5/16. Groceries target 150.93/200. NSD target 5/13.
    • determined new ms
    • By determined new ms 7th Sep 17, 6:59 AM
    • 6,881 Posts
    • 40,377 Thanks
    determined new ms
    Yesterday was a SFD and a whole day of a lot of me time went to the allotment for a couple of hours, did exercise, read book, fired up the hot tub

    Today I need to get petrol so have looked to what I need for the rest of the week and will stop at the SM on way home

    exercise will be power walking, should get at least 30 mins in & 10 mins hula hooping after work

    Me time will be friend coming for dinner and hot tub this evening

    Still zero spends on beauty

    I need to sit down tonight and work out what my socialising budget is for the month!

    use it up going well we had a snacky tea of hg veg, hm houmous, 2 pitas left in the freezer and a few pots of lo roasted veg lurking in the fridge Have put together a *use it up* box from the larder of things to eat over the month

    Have a great day guys x
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • ChasingSunshine
    • By ChasingSunshine 7th Sep 17, 7:04 AM
    • 131 Posts
    • 1,001 Thanks
    ChasingSunshine
    Morning, early check in by me again. Think I might be in danger of being a morning person, that would definitely be a change.

    Still recording every spend and luckily it all seems pretty low and well within budget at the moment. Don't think today will be a NSD as need to pay back my cousin for things she paid towards the family wedding at end of month.
    Still not been grocery shopping. Managed to eat from freezer last night and actually have enough in staples to get away without anything but milk (and cheese) for the next few days. Scary how much food there is but want it gone so don't have to pack it for the house move.
    Not taking my lunch to work today as will be fed there. Fingers crossed it is nice (usually is) otherwise will have to break out the emergency food in my desk.
    Still no beauty spends but came so close this morning with emails about gift with purchase. However realised I have two drawers of various products to use first before I even think about adding to them so might end up with a 0 at the end of the month for this. One can only hope!
    Me time - finished my new book last night and am meeting a friend for a walk / chat this evening which will also count towards my exercise targets.
    Heating is still off. I am the only one in flat who feels the cold but if I even go to turn it on just get a lecture that the place is too warm so now just don't bothered and make sure there is a blanket in every room I might be sitting in for a any length of time. Sometimes I like the idea of living alone but suppose in this at least I am being forced to be MSE against my will!!

    Ok better head to work before I end up wasting my early start to the day by not actually making it in early as planned.
    • thriftylass
    • By thriftylass 7th Sep 17, 9:41 AM
    • 3,358 Posts
    • 27,566 Thanks
    thriftylass
    Good morning fellow scrimpers,

    Well done to loads of walking, using up odd things, fridge dinners, NSDs and YAY, to new freezers.

    Also thank you for the YNAB hint. Will have a look later. Another NSD yesterday but today won't be. Rather than making an unstructured dash to the shops tonight because we're out of milk I pulled the big shop forward. Realised I can still get an ASDa pick up order in for tonight. So I took my list I started and refined it this morning. That will hopefully save me hitting the shops all weekend. Although might have to spend on the swimming pool on Sunday.

    Last night I prepped the dinner for tonight, planned the next two night dinners and made a big batch of Bolognese/lasagne/chilli base. Starting to get better at this.
    NST June
    SFD 5/20 spends 474 (incl MOT which I might claw back form savings if needed)/540
    Exercise 5/20
    Debt - all 0% 1015 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 102400 (07/18) OP 0
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