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  • FIRST POST
    • thriftylass
    • By thriftylass 29th Aug 17, 3:16 PM
    • 3,358Posts
    • 27,572Thanks
    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 15
    • clippy_girl
    • By clippy_girl 9th Sep 17, 9:43 AM
    • 2,253 Posts
    • 8,777 Thanks
    clippy_girl
    Morning all!

    Not checked in but been reading.

    Tuesday and Wednesday were NSDs

    Thursday I had breakfast with my colleagues for a birthday at a cafe so that was 5

    Yesterday I spent about 52 on a big shop in morrisons ready to batch cook lots this weekend. Just plugged my second freezer in ready for later. I also booked flights to Rome for next year using my holiday fund

    My food cupboards are currently empty as I discovered some weevils yest I have a double cupboard with all my food in (dry stuff in jars on bottom, tins and jars in middle and dried fruit, nuts and extra slices on top) then a single one next to it with excess stuff that doesn't fit in the jars and my tubs of protein shakes.

    So I found a cluster of weevils next to the protein shakes and a few crawling on the side but didn't appear to be any in the tubs. There was some open pasta and oats in there as well. Couldn't see weevils in those. Emptied whole cupboard and chucked everything out and washed it down. The main cupboard I only saw about 10 in and they don't appear to be in any of the jars etc. I binned the open stuff and hope its ok. All the contents are currently in the dining room as I have sprayed a load of raid in the cupboards and kept them closed for the day to fumigate. Will do daily inspections in the other cupboard once it's back in and if I find anymore I will have to bin everything. Really hope I caught them in time though

    Enough of the grossness! Today I'm going to do some painting outside and cut back the front garden. Everything is already dying and seems to have fungus on it, no doubt from all the rain then I'm having a massage. I have one each month now as really suffer with tension in my back. She is very good but it's not very relaxing! Then after I have dinner with friends which is my only social event planned until the end of the month. I'm not drinking until the last weekend so should only be around 25 for the meal.

    Have a lovely day all
    • crazy_cat_lady
    • By crazy_cat_lady 9th Sep 17, 10:06 AM
    • 3,612 Posts
    • 30,975 Thanks
    crazy_cat_lady
    Morning all
    Bagged a couple of nsd's towards the end of the week just by being too tired to do anything at all. Survived the first week back in my new role and my new classroom.
    Not much to report as I've been busy with work. I've meal planned for next week to try and get a head start.
    I was hoping for a bit of a lie in today but didn't sleep well at all. Now hoping for lots of relaxation across the rest of the day. It won't be a nsd as my online order from Mr T is due - should be most of the budget for the rest of the month grocery wise.
    June Odessy NSD 6/10 DFD 6 Nov 15 - paid 28,447
    • vintagebrighton
    • By vintagebrighton 9th Sep 17, 11:59 AM
    • 557 Posts
    • 1,695 Thanks
    vintagebrighton
    Check in 9/30

    Another spendy day. Posting for eBay and a lamp for the guest room, all budgeted for.

    Amazingly, although the 7 night guest cancelled we have 5 of those nights rebooked already Very happy with that.

    Exercise - out for a lovely long walk before breakfast.

    Will be using freezer stuff for dinner.

    Me time - Will be this afternoon after the room turnaround, bathroom and washing.

    Have a lovely weekend everyone

    VB x
    Australia (1% Challenge #6) ~ 0/100
    Weight Loss Challenge ~ 0/42
    Save 12k in 2018 #32 ~ 4250/6000
    • clippy_girl
    • By clippy_girl 9th Sep 17, 12:51 PM
    • 2,253 Posts
    • 8,777 Thanks
    clippy_girl
    Yipee! Just managed to get my home insurance from 305 to 140! I had to buy a bed and breakfast policy last year as couldn't find a normal one that would cover me but just found out aviva will let you rent your spare room on Airbnb on normal cover
    • FurryBeastOz
    • By FurryBeastOz 9th Sep 17, 2:20 PM
    • 1,201 Posts
    • 15,974 Thanks
    FurryBeastOz
    Need to total up spends, but I lost my NSD today as I was so exhausted after 3 hours of clothes shopping yesterday that I gave up when Asda didn't have my protein shakes. (they are on offer so I'd planned my entire weekly shop around them as I don't normally shop there.)

    Anyway, back this morning. Still none. But I really had to shop today as we are away tomorrow, so I might just miss out on offer. Great YS haul though

    Tonight I must try on everything I bought yesterday and decide what to take back. I only bought 1 item not on the list, but a couple of very similar items that I wanted to see on with some of the stuff I have already. I will feel very sorry for the sales staff who work on commission if they lose it when I return so much

    But first. Gym. I'll have to see what I can manage as my arms are still aching from my first climbing session on Thursday.
    Goals - Weight loss 6/26lb at 22nd Jan 18

    Mmmm. 26lb at 1/7/18. Oops
    • ChasingSunshine
    • By ChasingSunshine 9th Sep 17, 3:45 PM
    • 132 Posts
    • 1,003 Thanks
    ChasingSunshine
    Shamefully sneaking back in to say yesterday ended up being a complete mess to my budget. Went for drinks after work and spent way more than planned on both alcohol and food. Paying for it today and ended up buying loads of snack food to make myself feel better.
    Money spent now, going to write it off and shuffle money around to cover it. Need to be more conscious of what I am spending as have got plans for every weekend this month and can't afford to completely destroy my budget on socialising.
    • Lauralozzle
    • By Lauralozzle 9th Sep 17, 3:49 PM
    • 560 Posts
    • 4,955 Thanks
    Lauralozzle
    9/30

    Today has been spendyas we be been food shopping. Managed to avoid the butchers all week but had to go today to get done meat in as we didn't have any. Spent 30 on 20 chicken breasts and x2 corn fed chickens to roast. I should have enough chicken to last a while now!

    We popped into Morrisons on the way back instead of going to Aldi as it was on the way (Aldi wasn't). Spent 36.20 on not a lot which is irritating- some fruit, sandwich stuff, some squid, pork, dried mushrooms and rice. My plan is avoid the shops next week full stop - tomorrow as well. I will use what we have in the house and if lunch stuff runs out so be it - absolutely no eating out for the rest of the month. Money diet will have to start full swing! My passport money came out of my account today too, I have less than I usually do at this point in the month. I think I may have been over optimistic about the 100 credit card overpayment but that's been paid for now. I don't think I'll manage an overpayment next month though as it's my Hen Do.
    Last edited by Lauralozzle; 09-09-2017 at 5:51 PM.
    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
    • Kerry Woman
    • By Kerry Woman 9th Sep 17, 4:44 PM
    • 2,384 Posts
    • 23,198 Thanks
    Kerry Woman
    9/30
    Today was a spend day as went to do the usual weekly food shop. Was 25.97. Total food spend for month now stands at 53/150. Went to M&S today as had to get some clothing items for my Mum and brought sandwiches for tomorrow as I am going out and my Mum asked for them. Still within the food spend budget for the week. Spends all recorded in my notebook.
    No exercise today as doing a charity walk tomorrow.
    Made a fruit cake which is currently in the oven.
    Planning to watch Strictly tonight and going to be doing some reading soon.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST 07/2018 - Survive July! NSD 15/20
    • greent
    • By greent 9th Sep 17, 4:59 PM
    • 7,154 Posts
    • 72,838 Thanks
    greent
    SFDs - still 3/18. - small (just over 20) spend in smkt today + 3.50 on new PE tops for DS3. Also bought some Xmas presents (discounts/ cashback amazon vouchers/ perkbox vouchers/ cashback obtained/ used on every single one)

    Extra monies/ debt repayment - nothing today. Rent from BTL will be a week late - tenants are on holiday...... will make 400 OP when that comes in.

    Food - running total 180.27/ 450

    Eating up/ using up stuff - in the main, yes.

    Lunches taken - n/a today

    Social life - none

    Exercise - 2/3 for this week.

    Beauty - 2.73/ 10

    Time for self - plan on starting new book tonight (after I've got some of the school uniform ironing done....)

    Heating off - yep. Temperature has dropped, so I did put a throw on the bed over the 4.5tog duvet Weather is awful today (thunderstorms) so have had to resort to TD and heated airer for washing. Heated airer is stood in hall & warms up everywhere as an added bonus

    Gratitudes:
    * It's the weekend
    * discounted amaz0n vouchers
    * discounts on DS3's main Xmas present
    * YS veggies in shop
    * heated airer to use (will be going back to uni with DD, so I don't have it as a back up for much longer!)
    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
    • Sun Addict
    • By Sun Addict 9th Sep 17, 5:31 PM
    • 5,923 Posts
    • 39,271 Thanks
    Sun Addict
    Day 9 check in.

    More grocery spending today in Aldi so have now spent just over half my grocery budget for the month, will have to rein it in for the rest of the month.

    Exercise has been walking just short of 13k steps and stripping the bedroom wallpaper off. Will be some house spends this month but have a pot of money saved for that, so all planned spending.

    Still no heating on or coffee shops/cafes/pubs. Me time will be a long soak in the bath with a glass of wine and my book in a few minutes.

    Looking forward to Strictly and X Factor tonight
    Virtual Sealed Pot 2018 296.07
    Debt 2300
    Weight loss 1/6LBS
    Emergency Fund 4000/10,000
    • threepenny bit
    • By threepenny bit 9th Sep 17, 6:21 PM
    • 214 Posts
    • 1,778 Thanks
    threepenny bit
    hi - am I too late? I have been lurking for a long while on the boards and am just buckling down and working on reducing debt.
    I would love top join
    1st challenge to pay CC (JV1) 0/$2100 updated
    Christmas 2018 challenge 50/600
    Work on selling items and decluttering
    • foxgloves
    • By foxgloves 9th Sep 17, 7:49 PM
    • 4,147 Posts
    • 21,533 Thanks
    foxgloves
    Evening September Scrimpers,
    Check-in 9/30
    Still not a single SFD this month, but haven't spent even a penny that hasn't been allocated to the various 'pots' in this month's budgets.
    Beauty spends - still at 6.50/10. I always use up every scrap of lipstick by getting the last third out with a lip brush so have been doing that today as well as turning handgel upside down to extract the last bit.
    Exercise - have exceeded my steps goal at 7456/7000 so far.
    Me time - none yet, but am going to knit, watch tv, stroke cat & chill out on sofa with partner.
    Useful scrimps: used 1kg of our homegrown tomatoes to make soup for lunch. 4 extra portions frozen. Also made golden lentil soup in slow cooker using up an ancient container of ham stock from freezer. Have frozen for cheap filling autumn lunches.
    Oooh & have paid 14 x 50ps into my sealed pot in the last 2 days.
    Ok, out with the knitting.......esp as I'm working on items to sell.
    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
    • apple muncher
    • By apple muncher 9th Sep 17, 8:04 PM
    • 7,480 Posts
    • 56,342 Thanks
    apple muncher
    Today I am grateful for dropping off 2 bags at the Sally Army, for the lovely servers in Nero's (I know, no coffee shops. Will go on ccl's sofa/naughty chaise longue), for dd loving dance classes, for the teachers both complimenting her on her dancing, for finding a Space Invaders tee shirt which'll start off dh's cmas present pile for 2, for sunshine and warmth, for a chilled out afternoon reading and watching tv, for making a decison to learn Italian, for plotting future exercise opportunities, for getting out for a run first thing before my brain had fully engaged with what I was doing.
    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
    • redofromstart
    • By redofromstart 9th Sep 17, 8:54 PM
    • 1,842 Posts
    • 11,288 Thanks
    redofromstart
    Hi threepennybit

    NSD here, hurrah. really low on milk though, the boys are eating so much cereal. Not a bad thing in itself, but the milk usage is enormous.
    • misstara
    • By misstara 9th Sep 17, 10:02 PM
    • 2,798 Posts
    • 19,796 Thanks
    misstara
    Had a check so was on 4 NSDs yesterday, today makes 5
    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 - 7/16. Groceries target 157.95/200. NSD target 9/13.
    • bizzie
    • By bizzie 9th Sep 17, 10:20 PM
    • 169 Posts
    • 2,032 Thanks
    bizzie
    Check in #8 missed the midnight cut off so carried over to today.
    Another quiet day. Avoided going out so NSD #6/18.

    Check in #9/30 again avoided going out so now at NSD #7/18.
    Repeat of yesterday. Exciting life I'm leading at the moment.

    Tomorrow looks like it will be a spendy day. Need to get some bits for some baking - new recipes that my DDs want to try.
    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 9th Sep 17, 10:27 PM
    • 2,462 Posts
    • 25,740 Thanks
    mothernerd
    Took 3 of us until 2am to get the new printer working -technology just stops working when I am in the same room. Printed out the forms I needed and sent them off. Not a lot of sleep but did quite a lot of shopping, mostly for mum and then had a wander round for heritage day.

    Mum decided to stay home (took until 11am for the rain to slacken off). I looked at the vintage cars (not ancient, the oldest two wer ones I remember from childhood, the WWII display (gun, shells, land rover/ ambulance van, uniforms, did the guided tour of the town hall, picked up a free book and gave a donation for some toilet rolls (toilet twinning for places where they don't have toilets), looked at the archives new home and chatted to members of some local groups (history/ family history/ creative writing).

    Went home and ate and then packed my bags for mum's. Spent the afternoon mostly cutting up bits of paper. Came home at 9.30pm. Mum asked about tomorrow - the canal festival is on all weekend and I had suggested getting a taxi to the pub (centre for the festival) and sitting outside to look at the boats/ barges. Weather does not look promising and I do have other things to do.

    Today I am grateful for lovely food, for reducing my pesonal paper mountain and for an interesting day.
    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
    • threepenny bit
    • By threepenny bit 10th Sep 17, 5:01 AM
    • 214 Posts
    • 1,778 Thanks
    threepenny bit
    4 NSD this month so far and am aiming for 3 each week.
    Will need to shop tomorrow as both cars need petrol ready for work, I need a few groceries but only milk, bananas and lettuce so should have plenty of change from my 20 quid that is in the shopping pot! Also need to collect prescription but it is prepaid already so thats ok.
    Hubby has decided we need to trim a tree in our front garden - his idea of trimming is leaving a totem pole like stick
    1st challenge to pay CC (JV1) 0/$2100 updated
    Christmas 2018 challenge 50/600
    Work on selling items and decluttering
    • LollyPop0312
    • By LollyPop0312 10th Sep 17, 8:21 AM
    • 19 Posts
    • 227 Thanks
    LollyPop0312
    OK..day 10/30..only managed 3 no spend days so really need today to be a NSD and gotta up those NSDs..but feeling determined! Have however had a few grocery frugal wins..reduced chicken 1kg, and made burgers and meatballs from scratch and discovered how much cheaper it was bit of a shock there! Basically we have more than enough food to get by, I just need to stay OUT OF THE FOOD SHOP. I just love food shopping! Anyways hope everyone's enjoying the challenge! Lolly xx
    • crazy_cat_lady
    • By crazy_cat_lady 10th Sep 17, 8:48 AM
    • 3,612 Posts
    • 30,975 Thanks
    crazy_cat_lady
    Morning all
    Didn't leave the house yesterday, but didn't manage a nsd. I'd ordered the grocery shop online to stop me wandering and spending on stuff I don't want or need. I did get a 4.65 brand match refund as well, which was unexpected and nice.
    There isn't much to report - back into the routine of too much work and not enough spare time for much else. I enjoyed a relaxing day off yesterday watching tv and doing some crochet. I thoroughly enjoyed it as well - but today will need to be some school work. Hopefully just an hour or two though. Also off to visit my mam for a catch up which will be lovely.
    Right, the plan is that if I get the work done now I can enjoy the rest of the day.
    June Odessy NSD 6/10 DFD 6 Nov 15 - paid 28,447
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