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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 13
    • Calling14
    • By Calling14 7th Sep 17, 11:20 AM
    • 2,725 Posts
    • 19,814 Thanks
    Calling14
    Pleased completed Day 1 SFD yesterday.

    Like you Thrifty out of milk today, also need hair dye my roots are on show. Probably get bread and veg to keep me going over the weekend.

    Went to Dr's appointment this morning and Dr had to cancel - grrr pity they didn't bother to let me know. Waited few weeks for appointment,. So now self treatment for my burning pain in my knee as I can't even ring until Monday to make a new appointment. Good old internet lol.

    Off this afternoon so plan to get out in sunshine small walk before rain/ high winds arrive.

    Eating out of freezer continues, Moussaka tonight. Will try roasting some beetroot to cheer it up - never cooked beetroot before.

    Surrounded by sad news yesterday found out friends father had taken his own life, what a tormented soul. So sad. Today reports of a someone jumping off a bridge onto road locally. Hope they are alright. Awful why aren't they getting the help they need?

    So no moaning from me.

    Grateful for
    loving family
    gorgeous home
    good health
    LBM 13039 1.1.13 Start 2018 5552 NOW 1912
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 3639/5552 DFD 12/18
    E
    Fund #9 120/1,000
    1 x 100 days challenge
    2374/2550

    • NelliePie
    • By NelliePie 7th Sep 17, 11:48 AM
    • 191 Posts
    • 426 Thanks
    NelliePie
    Hi all,
    Another spend free day today 5/30. After having a clear out of the receipts in my purse I've found two loyalty cards for the canteen at work and combining the stamps I'll get a free meal, so I'm going to treat myself to a free Chinese curry and chips I know that tomorrow has the potential to be a spendy day as we have the in-laws over for dinner and grooms suit shopping. Hopefully they won't mind me cooking rather than eating out.

    Little One's due date 18/12/18
    5/5/18 I became Mrs Pie
    FTB June '17 - 144k motrgage
    • LollyPop0312
    • By LollyPop0312 7th Sep 17, 12:34 PM
    • 19 Posts
    • 227 Thanks
    LollyPop0312
    Checking in..day 7/30 .. no spend day today as not leaving the house so 3/18 now..could be better but should have a few no spends coming up over the next few days.
    Yesterday big spend day..even gave into a subway..very naughty! All within our means just less than ideal!
    Hope everyone's enjoying the challenge
    Lolly
    • f0xh0les
    • By f0xh0les 7th Sep 17, 1:07 PM
    • 1,549 Posts
    • 12,803 Thanks
    f0xh0les
    Please share your dough ball recipe. Got a massive soup recipe book and will get that out soon again too.
    Originally posted by thriftylass

    It is exactly the same as a pizza dough, you just roll it into tiny balls and lob it into one of those small cake pop tins - someone gave me one they had forgotten in the back of the cupboard.

    Quite handy as I had a jar of strawberry balsamic salad dressing in the back of the fridge so I filled a ramekin with that and floated a bit of olive oil on the top. The kids said it was exactly the same as Pizza Express. If you only have a cupcake tin , oil it and lob them in there, then they are Jumbo dough balls (bigger than a dough ball smaller than a roll).

    Fear not the yeast! (I managed to find 2 tins of dried stuff in the fridge door - one will be used up this week)
    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
    • f0xh0les
    • By f0xh0les 7th Sep 17, 1:27 PM
    • 1,549 Posts
    • 12,803 Thanks
    f0xh0les
    New Knickers - all the old ones can go. I will not have knickers that try to embarrass my in public places.
    Originally posted by mothernerd
    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
    • f0xh0les
    • By f0xh0les 7th Sep 17, 1:38 PM
    • 1,549 Posts
    • 12,803 Thanks
    f0xh0les
    Today should have been a NSD but wasn't, it was a less than 3 spend day, then I got home and realised I did have just enough stuff in to do the lunches tomorrow.

    Did an inventory of the pantry and fridge and freezer and I have more than enough stuff in to do for the next week, as long as I prep properly and don't get lazy. DH is off to Holland for a week at the weekend and I am feeling antsy. Like I have forgotten something. I haven't, but I can't shake the feeling.

    So still stuck on 4 NSDs but I have no immediate needs, and as long as I keep away from the shops I should be sorted until Monday
    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
    • FurryBeastOz
    • By FurryBeastOz 7th Sep 17, 5:27 PM
    • 1,201 Posts
    • 15,969 Thanks
    FurryBeastOz
    Up to 4 NSD's. Pushed weekly shop back to tomorrow as I will have to spend then for planned shopping trip.

    Use up - everything is coming from freezer and cupboards if possible. Going to try and limit shop to must haves - cereal, dairy and F&V.

    Exercise - lots. Been every day to gym. Just been to Indoor climbing session as our wedding anniversary 'us' time. Got a prepaid Groupon voucher. Ouch. I don't think I'll be doing any weights tomorrow.

    Toiletries - decided to postpone make-up replacement. If it's been fine for years, 31 days isn't going to make munch of a difference.

    Gratitudes -

    1) Us time with husband. 13years married on Monday.
    2) Flexible hours so I could take the time with him when surgery allows.
    3) Counselling session. Reduced some of the permanent fear by putting together a plan for the next week. It left me exhausted though.
    4) My cleaner. I don't have to worry about the kitchen when I get home late tonight after my AA meeting.

    Have a lovely evening everyone.
    Goals - Weight loss 6/26lb at 22nd Jan 18

    Mmmm. 26lb at 1/7/18. Oops
    • vintagebrighton
    • By vintagebrighton 7th Sep 17, 5:48 PM
    • 557 Posts
    • 1,692 Thanks
    vintagebrighton
    Check in 7/30

    Will be another NSD today as haven't been out. Will take out 40 tomorrow for the weeks food so it'll be a spendy day then. Will hopefully also have some posting for eBay bits that are ending tonight.

    No exercise

    No heating on

    Time for me - have been doing some more crochet, very relaxing!

    VB x
    Australia (1% Challenge #6) ~ 0/100
    Weight Loss Challenge ~ 0/42
    Save 12k in 2018 #32 ~ 4250/6000
    • greent
    • By greent 7th Sep 17, 6:20 PM
    • 7,153 Posts
    • 72,815 Thanks
    greent
    Day 7 Check-in
    SFDs - 3/18. -another achieved today

    Extra monies/ debt repayment - 40 transferred from paypal to kitchen fund

    Food - running total 124.80/ 450

    Eating up/ using up stuff - yep - more defrosted cooked chicken eaten today! And some hotel sachets of mayo

    Lunches taken - yep.

    Social life - none

    Exercise - 2/3 for this week. Nothing formal for today, and fitbit only shows just over 7.5k steps

    Beauty - 2.73/ 10

    Time for self - still lacking - the perils of a back to school week/ new routines/ broken freezer!

    Heating off - yep. Still mild

    Gratitudes:
    * DS2 liking his new school
    * DS3 enjoying back to school - despite missing DS2
    * DD having a good time away with boyf - and they are now on the plane home!
    * free veggies brought around by my mum from her garden
    * line dried washing
    * prompt paying ebayers!
    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 558.92/1000 PAYDOX18 (#15) Done 18918.90
    • Kerry Woman
    • By Kerry Woman 7th Sep 17, 6:30 PM
    • 2,382 Posts
    • 23,176 Thanks
    Kerry Woman
    Day 7
    FurryBeastOz - Wishing you and OH a happy anniversary.
    Number 5 SFD today.
    Also did 20 minutes walking today.
    Read my book on bus and at lunchtime.
    Using up food in cupboards, fridge and freezer. Also still using creams etc I have so no need as yet to buy anything new.
    Brought my lunch into work today.
    Learnt some new things in work on the database. Pleased with that.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST 07/2018 - Survive July! NSD 14/20
    • apple muncher
    • By apple muncher 7th Sep 17, 7:56 PM
    • 7,475 Posts
    • 56,309 Thanks
    apple muncher
    Today I amgrateful for the app that tells me when my bus is due (I had to run the 1/2 mile to the bus, as it was 5mins early!), for catching the bus, for a mild day, for the sights and smells of the market setting up on the High Street, for finding my memory stick at work, for getting my user profile straightened out (for now, at any rate...), for interspersing running and bus travel to get home, for sausage and mash for tea, for the Tim Ferriss books, for my sewing machine.
    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 7th Sep 17, 8:17 PM
    • 4,147 Posts
    • 21,532 Thanks
    foxgloves
    Just checking in - 7/30
    Still no SFDs & I'm frankly not bothered as all budgets are being stuck to very well so far this month. Just back from camping trip tonight & amazingly have 1.41 of our camping food cashbag left!
    We have talked about plans for cracking down on our autumn finances while we've been away & we are both really up for it. Have already decided that we will do our meal planning over breakfast tomorrow then mr f will go off to get the shopping while I get busy organising food stores in the kitchen......esp all tge fresh stuff we're still harvesting from our garden. Feeling motivated.
    Exercise goal - 12,255 / 7000 steps today.
    Time for me - beachcombing & watching the wildlife. Lovely.
    Back home now. Looking forward to being proper scrimpy & catching up on reading how everyone's been doing.
    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
    • mothernerd
    • By mothernerd 7th Sep 17, 8:27 PM
    • 2,462 Posts
    • 25,735 Thanks
    mothernerd
    A SFD as the funeral was at 9.30am and we went directly from there to mum's (she had been hoping to go and look at sandals but was too tired and just wanted to go home), stopped at my house to pick up the shopping which I had left by the door (with all the fridge things in a bag in the fridge).

    Mum liked my new navy top and black skirt and said she would pay for them. She gave me 50 when we were settled down and then when I divided the food bill up and gave her what I owed her, she gave me that back as well, so yesterday's clothes shop is now more modest.

    Today I am grateful for food from the mystery drawer in mum's freezer (the sweet potato mash was actually chicken casserole), for new knickers (comfortable and secure) and for still having some energy left.
    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
    • DawnW
    • By DawnW 7th Sep 17, 8:30 PM
    • 5,105 Posts
    • 40,364 Thanks
    DawnW
    Check in 7/30.
    Spend day today - needed to do a shop. Spent 38, but this included stuff that I don't have to buy very often, such as dishwasher tablets and fabric conditioner. Hope not to have to go again for a while!
    Also bought myself a top in a charity shop - 4.25. Hope it is suitable / fits. I find tops that I like really hard to find! I have put on weight, so that doesn't help

    Went to look round a local town with OH. We took our own picnic lunch to eat on the way back, and made our own coffee. Only spends were the above mentioned top and 1.50 for parking.

    Not much exercise, just walking with the dog, who is very slow and has to sniff everything at great length. Annoying, as he is only young, and can run very fast indeed when I let him off his lead!
    Must try to get out for a decent walk tomorrow!

    Jacket potatoes for dinner with tuna mayo made from storecupboard stuff, and salad, mostly home grown

    No heating

    Wrote down all spends in my little black book
    July NSDs - 6 / 13
    Groceries, toiletries, cleaning supplies and pet supplies - 195.07 / 250.00
    • redofromstart
    • By redofromstart 7th Sep 17, 8:51 PM
    • 1,842 Posts
    • 11,275 Thanks
    redofromstart
    A spending day - spreadsheet updated. Petrol, windscreen wipers, milk and RTC bread/veg/chickens (freezer)

    Green thai curry using leftover chicken.

    Off to read Railway Children in the bath, for quality me time.
    • dizzyblnd
    • By dizzyblnd 7th Sep 17, 9:50 PM
    • 409 Posts
    • 3,696 Thanks
    dizzyblnd
    Check in today. Think I missed checking in yesterday. Yesterday was a nsd so up to 3/18 now. Today I had to pick up some more food shopping bits so now my food budget is 271/300 but I made some soup n stuff today for easy lunches/dinners. Fit a short run in too.
    NST2018 mortgage-free wannabe #145
    • stoplurking
    • By stoplurking 7th Sep 17, 9:53 PM
    • 349 Posts
    • 2,330 Thanks
    stoplurking
    Check in 7/30; LTW 5/21. No NSD today so still on 5/18. Unfortunately tomorrow won't be either as today's coffee spend has been delayed till tomorrow.
    Spent today 25 on joining a class and getting some kit. Will cost me 60 next week which will cover for next 6 weeks, yoga class so hopefully that will count as exercise and me time, albeit spendy.
    Haven't managed to catch up with everyone. Hope all are well. X
    LBM Oct12 Debts at LBM 17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 1193/4000 29.8%
    • Fmess
    • By Fmess 7th Sep 17, 9:55 PM
    • 2,714 Posts
    • 26,032 Thanks
    Fmess
    My post this morning doesn't appear to have saved

    Today is SFD number 5
    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 7th Sep 17, 10:43 PM
    • 3,358 Posts
    • 27,566 Thanks
    thriftylass
    Last quick check in. Picked up my Asda order which was 72 but included loads if meat, frozen veg to last longer and make soup, and washing detergent and other household items. Will update my spreadsheets tomorrow. Found a bag of ys potatoes under a dish towel in the veg cupboard (no idea how old but looked fine, never happened before). Had the with ys porkchops from the freezer for tea.

    Got a letter from DDs nursery saying that they do the football coaching again. An unexpected 30 needed soon. Son wanted to try footie again but got cold feet again once changed. Oh well, not doing that again soon. Tried so many times now. Hopefully I can get him to go back to chess as he liked that and went before the summer break (plus it's cheap).

    Finished a book and started a new one

    Night night and see you tomorrow
    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
    • bizzie
    • By bizzie 7th Sep 17, 11:37 PM
    • 169 Posts
    • 2,031 Thanks
    bizzie
    Check in #7/30 NSD #5/18
    Quiet day working through my to do list.
    Meals deliberately included leftovers for lunches.
    Two more laundry loads washed & dried in between showers.
    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 :
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