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  • FIRST POST
    • thriftylass
    • By thriftylass 29th Aug 17, 3:16 PM
    • 3,358Posts
    • 27,574Thanks
    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 17
    • thriftylass
    • By thriftylass 11th Sep 17, 9:29 AM
    • 3,358 Posts
    • 27,574 Thanks
    thriftylass

    Yesterday was def not a NSD! 55 spent on massage and waxing. Normally only get back, neck and shoulder but treated myself to a full body....
    Originally posted by clippy_girl
    Had to double check I read that right, which I hadn't. Thought, ouch, a full body wax must be sore till I read further on



    Hello fellow scrimpers!

    My apologies, for being absent again. Really busy and productive weekend and not much chance to log on.

    Loads of NSDs have been collected again and it seems to have been the weekend for batch cooking. Keep going, nearly half way.

    I got the hedge cut on Saturday and took the kids swimming. On Sunday DH had to work in the morning and I got the house blitzed. Been putting it of for ages. Kitchen cleaned, house hoovered, dusted. Got a bit of painting done in our bedroom, cleaned the conservatory, roasted a chicken, made stock and soup for the freezer. Also took the shower door down, took all the seals of, bleached them and renewed most of the silicon around the bath. And a few other bits.

    Managed some me time reading and crocheting at night.

    One confession though, Sunday I had three loads of washing hanging up inside and the conservatory and it was very humid and cold so some of it started smelling fusty as it didn't try quick enough so I stuck the heating on (but only two radiators) to aid the drying for a couple of hours.

    So off to do some work, Catch you later
    Last edited by thriftylass; 11-09-2017 at 11:58 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
    • Calling14
    • By Calling14 11th Sep 17, 11:44 AM
    • 2,725 Posts
    • 19,821 Thanks
    Calling14
    Morning everyone.

    Apologies for non posting over weekend.

    Sat - Nice seaside blustery walk, followed by my kids and grandkids descending on me. Future Son in law put in new pull switch light and fixed a lamp I love. So ended up going out with them and buying a bottle of wine 14 good value for the work I had done. Naughty bit bought a take away on the way home. First Chinese one this year but shouldn't have really seeing my debt mounting up.

    Sunday cleared out the drawer from hell in the kitchen. Now my pans can go in there. Was going to continue but got dragged out by dd. I think I was going somewhere nice but hey ho - skatepark and standing under a tree in the rain was actually quite fun. No money spent

    SFD 3/18. including today as no money to spend on me.

    Home made leek and potato soup for lunch
    Heating still off, was tempted to dry clothes last night but not in a hurry for them.
    Managed to get my patio doors open properly and oiled up today - may postpone getting new doors until next year as seem to be struggling with debts lately.
    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

    • f0xh0les
    • By f0xh0les 11th Sep 17, 12:29 PM
    • 1,549 Posts
    • 12,815 Thanks
    f0xh0les
    Evening all

    Yesterday was def not a NSD! 55 spent on massage and waxing. Normally only get back, neck and shoulder but treated myself to a full body.

    Originally posted by clippy_girl
    I think I must need more coffee, I read this as a full body wax Had to read it 3 times. There is something very wrong with my brain today.
    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
    • vintagebrighton
    • By vintagebrighton 11th Sep 17, 2:42 PM
    • 557 Posts
    • 1,695 Thanks
    vintagebrighton
    Check in 11/30

    Hoping for a NSD today. If not, def tomorrow, depends which day I do my eBay posting. Room turnaround today too but doesn't cost anything.

    clippy_girl Whereabouts in the country are you? I don't feel like I need the heating on but am beginning to wonder if my guests might, just for a bit.

    Exercise - will go for a walk as the suns out

    Me time - hoping to get some crochet done later

    Heating - not yet

    Have a lovely day scrimpers

    VB x
    Australia (1% Challenge #6) ~ 0/100
    Weight Loss Challenge ~ 0/42
    Save 12k in 2018 #32 ~ 4250/6000
    • threepenny bit
    • By threepenny bit 11th Sep 17, 4:28 PM
    • 214 Posts
    • 1,778 Thanks
    threepenny bit
    check in day 3
    NSD today although I was tempted to go to the shops but opted for a lazy look on line instead and spent nothing!
    HM SW veggie soup for dinner and SW pasta bake for tea using sad veg from fridge and a couple of chicken breasts in pasta bake, will use leftovers for lunch tomorrow.
    Very Autumnal outside today so glad I got my duvet washed and aired yesterday. Need to cut grass today and thats me done!
    1st challenge to pay CC (JV1) 0/$2100 updated
    Christmas 2018 challenge 50/600
    Work on selling items and decluttering
    • greent
    • By greent 11th Sep 17, 4:28 PM
    • 7,156 Posts
    • 72,841 Thanks
    greent
    Day 11 Check-in :)
    SFDs - now 5/18. - another one achieved today

    Extra monies/ debt repayment - nothing today. SOld 4 things on fleabay, but they all belonged to DS1, so no money for me

    Food - running total 185.21/ 450

    Eating up/ using up stuff - yep. All meals from home stuff today.

    Lunches taken - 3 x packed lunches for children today. My lunch eaten at almost 2pm after I got home from work late

    Social life - none

    Exercise - new week. Achieved 10K steps by 3.30 and fitbit shows 35 active mins. No formal exercise though

    Beauty - 2.73/ 10

    Time for self - read a few chapters last night of new book. Will do the same tonight

    Heating off - yep. Am now wearing socks

    Gratitudes:
    * work being fun (if exhausting with Y7s!) today
    * seeing my colleagues - some of whom I haven't seen at all over Summer
    * a good catch up with my boss
    * a good catch up with a mum from school
    * my gorgeous children
    x
    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
    • dizzyblnd
    • By dizzyblnd 11th Sep 17, 5:17 PM
    • 409 Posts
    • 3,697 Thanks
    dizzyblnd
    Nsd #5 here. No heating down south but it's been very autumnal. To all the green fingered people on here, is it a good time to trim fruit trees back?
    NST2018 mortgage-free wannabe #145
    • LollyPop0312
    • By LollyPop0312 11th Sep 17, 5:19 PM
    • 19 Posts
    • 227 Thanks
    LollyPop0312
    Another NSD here..just a fivers worth of yellow sticker delights. 5/18. Well wishes to all!
    • ChasingSunshine
    • By ChasingSunshine 11th Sep 17, 6:39 PM
    • 132 Posts
    • 1,003 Thanks
    ChasingSunshine
    NSD here today. Not much else happening. Managing to resist turning on the heating but am wrapped up warm. Have no excuse live down south am just a thin skinned fragile creature compared to most people on here it seems
    • FurryBeastOz
    • By FurryBeastOz 11th Sep 17, 6:44 PM
    • 1,202 Posts
    • 15,975 Thanks
    FurryBeastOz
    A NSD today. DH cooking our anniversary dinner - phoned to ask where was the pesto. He couldn't find it, so asked me to pick some up on the way home. I talked him through the possible locations until he found it. I knew we had some, it was on my recently updated pantry list

    Really enjoyed yesterday. Bouldering was great and DH wasn't called in. Apple muncher Thanks for asking. Yes he is fully mended.

    Went out for dinner and I ordered a main course. Rather than pigging out I asked for 1/2 to be packed up and took it for lunch to work. Delicious both times. I also passed on dessert as DH is making tiramisu for tonight so I didn't need it twice

    Had a good day at work. I needed to be quite clear about my ability, or lack thereof in the arena of passing on information to a classroom. Cue a search for a 'Training for trainers' course. More studying. Joy.

    Gratitudes -

    - A lovely sunny day in Glasgow
    - DH offering to cook dinner
    - A compliment in the gym this morning about visible muscle definition. Finally!
    - An unblocked and refitted bathroom sink. (Although it took one person to unblock the drain but he had to call a second person to plumb it all back together again. Exactly how is that efficient?)
    Goals - Weight loss 6/26lb at 22nd Jan 18

    Mmmm. 26lb at 1/7/18. Oops
    • apple muncher
    • By apple muncher 11th Sep 17, 6:50 PM
    • 7,480 Posts
    • 56,349 Thanks
    apple muncher
    Nsd #5 here. No heating down south but it's been very autumnal. To all the green fingered people on here, is it a good time to trim fruit trees back?
    Originally posted by dizzyblnd
    I think the answer is 'yes, if they have finished fruiting'. I have a coxes apple tree that isn't ready to be picked yet.

    And doing it before the frosts arrive is good, as the tree has time to heal up the cuts before coping with the frosty bits.
    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
    • Lauralozzle
    • By Lauralozzle 11th Sep 17, 6:54 PM
    • 560 Posts
    • 4,955 Thanks
    Lauralozzle
    Today would have been a NSD but OH declared that we needed toilet roll. I'm a bit irritated that the NSD is lost but at least it's a low spend day.

    Took soup in for lunch today and as OH is practicing tonight I've finished it off. Grabbed a YS baguette for 15p so had that with it.

    We have a fuddle at work tomorrow so no need to take lunch/pack up. The rest of the week will be NSD expect for either Saturday/Sunday depending on when decide to do weekly shop.

    The heating isn't on yet though - I point blank refuse to put it on until October at the earliest. If it gets really cold I might set the fire going (but that's hassle getting wood etc so I'd probably just wrap up in a blanket.) we will see
    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 11th Sep 17, 7:01 PM
    • 2,384 Posts
    • 23,205 Thanks
    Kerry Woman
    Day 11
    Was a spend day. Had to pop into supermarket near a bus stop on the way home. Only spent 78p. Notebook updated.
    Did 20 minutes walking from bus stop to/from workplace.
    Read my book at lunchtime and on bus.
    Took lunch to work.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST 07/2018 - Survive July! NSD 15/20
    • DawnW
    • By DawnW 11th Sep 17, 7:05 PM
    • 5,107 Posts
    • 40,390 Thanks
    DawnW
    I managed a SFD today, nothing spent at all
    Updated signature
    Nothing recorded in my spending diary, for obvious reasons
    All food from home
    No heating, although it has been cold, wet and miserable - I only really notice it in the bathroom brrrr
    Not managed any exercise unless carrying boxes around counts
    Free food - picked a bowl of raspberries, a few blueberries, some French beans, and was given a bag of pears
    July NSDs - 6 / 13
    Groceries, toiletries, cleaning supplies and pet supplies - 195.07 / 250.00
    • apple muncher
    • By apple muncher 11th Sep 17, 7:40 PM
    • 7,480 Posts
    • 56,349 Thanks
    apple muncher
    Today I am grateful for buses running on time, for mild weather, for missing all the downpours, for a good day at work, for dd having a good day at school, for dh getting a little extra work, for my new scheduling plan seeming to work (I don't add things to my to-do list, I write them in my work planner when I will do them), for my warm jamas.
    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 11th Sep 17, 7:40 PM
    • 4,147 Posts
    • 21,534 Thanks
    foxgloves
    Evening Scrimpers,
    Check-in 11/30
    SFD 2/18
    Exercise goal - busy day & some good general money saving activity, but nothing very step-based today.
    Useful scrimpy stuff: Turned sone of our pear glut into a big batch of BBQ sauce & gathered another basketful. Turned out Presents Box & made a list of contents. Cheered to be reminded of all the nice bits & pieces I've bought or made & been squirrelling away all year.
    Heating?? You must be joking! No way is that going on yet apart from overnight use of heated towel radiator (Economy 7 tariff so makes sense to run it then rather than daytime). Only concession to autumn so far has been cardi & swapping to warner duvet.
    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
    • determined new ms
    • By determined new ms 11th Sep 17, 7:56 PM
    • 6,882 Posts
    • 40,382 Thanks
    determined new ms
    Hi guys day 11 check in. Sadly the SFDs I had such high hopes for didn't materialise... I decided madam needed a hair trim and our hairdresser could squeeze her in on Sat. Then while we were in town we went and tried on some winter coats and got one - I know it's a justification but she's like me and hates shopping so we rarely go into shops - also got her a couple of other bits and we had some chips

    Sunday we met with friends and had a coffee. I wasn't going to but we were at a mini kinda farm and were outside, the kids were playing in the park so we did

    today - by the rules! - is a SFD, which at this point I'm taking whatever I can get, but I did have to pay for a dentist appt & 90p on car park to park near dentist. I could have parked further out for free but was in pain and expecting root canal. Other than that no money out of my purse so 3/18

    Made soup for tea, using up lo veg from yesterday and the end of a ciabatta a friend brought round last week

    Snacks ready for work tomorrow. Taking my jam sandwich from sunday I didn't eat

    Me time & exercise was being down the allotment for a couple of hours, 1 of which was digging. I read for 1/2 hour when I got back from the dentist and am about to go and have a bath & give myself a facial & pedicure

    Today I'm grateful I managed to get 25 off of a 50 fee I was charged. That I made a bit of headway with the allotment. That madam seems to be loving school so far That I brought home a big bag of fresh veg from the allotment. That people on the internet are so generous with posting their recipes
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • mothernerd
    • By mothernerd 11th Sep 17, 7:59 PM
    • 2,462 Posts
    • 25,746 Thanks
    mothernerd
    A SFD. Not feeling great so gave mum the option of my going there or not. Did not think it was catching, but. Stayed home, been working on the baby blankets, then had another nap later. Feeling okay (nap was restorative) but still not right, so quiet evening planned.

    Today I am grateful for good reading, a comfy bed and being able to sleep and switch off.
    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
    • redofromstart
    • By redofromstart 11th Sep 17, 7:59 PM
    • 1,842 Posts
    • 11,289 Thanks
    redofromstart
    spending day - planned spend on food shopping. Bought lots more milk in the hope that I can avoid food shopping for at least a few days.
    • Sun Addict
    • By Sun Addict 11th Sep 17, 8:29 PM
    • 5,923 Posts
    • 39,271 Thanks
    Sun Addict
    Check in day 11.

    Bought a few bits from Lidl and a birthday card today. Just over 10 spend.

    Exercise just a few steps off 20k and 30 minutes in work gym at lunchtime.

    Would be tempted to put the heating on but it's a brand new central heating system and I need to find the instructions first!
    Virtual Sealed Pot 2018 296.07
    Debt 2300
    Weight loss 1/6LBS
    Emergency Fund 4000/10,000
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