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  • FIRST POST
    • thriftylass
    • By thriftylass 29th Aug 17, 3:16 PM
    • 3,358Posts
    • 27,575Thanks
    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 19
    • crazy_cat_lady
    • By crazy_cat_lady 12th Sep 17, 7:36 PM
    • 3,615 Posts
    • 31,013 Thanks
    crazy_cat_lady
    Hi everyone
    Too busy to check in the past couple of days. I can't believe that I took this promotion on at work and have been given even less time to do it than I had last year without all of the responsibility.
    I have bagged another 3 nsd's though since I last checked in.
    Not a lot of me time happening, unless we count making sure I have an early night.
    June Odessy NSD 6/10 DFD 6 Nov 15 - paid 28,447
    • ChasingSunshine
    • By ChasingSunshine 12th Sep 17, 7:41 PM
    • 132 Posts
    • 1,003 Thanks
    ChasingSunshine
    Evening everyone,

    Love the Roald Dahl costume Greent very MSE!!

    NSD here today and finally made some phone calls I had been avoiding for a while so productive day. Me time will be watching some catch up tv, gotta love BBC iplayer
    • LollyPop0312
    • By LollyPop0312 12th Sep 17, 7:59 PM
    • 19 Posts
    • 227 Thanks
    LollyPop0312
    Onto NSD 6/18..few yellow sticker treats again, yay!

    Totally agree..autumn is so snuggly and comforting..love it..and means Christmas is around the corner..exiting times!

    Am 3 weeks away from my due date..thinking I'd better get a bit of food preparation so we don't end up living of take outs when baby is born..any advice anyone?

    Hope everyone enjoying the challenge..everyone seems to be doing really well xx
    • redofromstart
    • By redofromstart 12th Sep 17, 8:00 PM
    • 1,842 Posts
    • 11,301 Thanks
    redofromstart
    Spending day, planned hair cut and colour which doubles as time for me.
    • f0xh0les
    • By f0xh0les 12th Sep 17, 8:03 PM
    • 1,549 Posts
    • 12,817 Thanks
    f0xh0les
    Foxgloves and thrifty- I've never liked the dark nights and mornings- what do you like about them?
    Originally posted by dizzyblnd
    Not having to use Factor 50 sun block every hour, not being awake at 4am cos it is light (my brain knows,even through blackout curtains) , hayfever, feeling like a kid being sent to bed early even though it is 10.30 cos it is still light. Heat. I think I was made for Nordic winters.

    Give me crunchy leaves, a warm scarf. and a cold nose any day. I think I have SAD in reverse. Old goths don't die. Or I might possibly be a bat. Either or.
    Last edited by f0xh0les; 12-09-2017 at 8:14 PM.
    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 12th Sep 17, 8:13 PM
    • 1,549 Posts
    • 12,817 Thanks
    f0xh0les

    Am 3 weeks away from my due date..thinking I'd better get a bit of food preparation so we don't end up living of take outs when baby is born..any advice anyone?
    Originally posted by LollyPop0312
    Is it your first?
    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
    • mothernerd
    • By mothernerd 12th Sep 17, 8:17 PM
    • 2,462 Posts
    • 25,750 Thanks
    mothernerd
    A SFD as I have slept through most of it. Trying to tell myself it is my body healing itself (and a great relief from the headache and earache which are not shifting) but frustrating when I have so much to be getting on with.

    If I can't change it, I have to accept it.

    Today I am grateful for a lovely bed (still only have a light summer quilt over me), a good read (even when I only manage 2-3 pages before nodding off again) and invalid food (bananas, wraps, fruit and jelly).
    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
    • apple muncher
    • By apple muncher 12th Sep 17, 8:23 PM
    • 7,482 Posts
    • 56,382 Thanks
    apple muncher
    Foxgloves - what are you knitting?
    NST Survive July #4; NSD 11/15; Ex 18/20 ; craft 24 (77); remove 57 (509)
    2018 Pay off: 2334; 2
    018 sell 49.10; WLOSW 1/10

    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
    • DawnW
    • By DawnW 12th Sep 17, 8:30 PM
    • 5,109 Posts
    • 40,405 Thanks
    DawnW
    Day 12/30
    Goodness, this month is racing past
    Spend day today, bit of shopping in Lidl, had to pay for the dog to be groomed (he looked like a small and not very clean version of the old fashioned mops my gran used to use ) and succumbed to some miniature daffodil bulbs (1.29). Grocery spends updated and all recorded in my little black book.

    All food from home, made a big chicken and ham pie using up the ends of a ham joint and a cooked chicken. Picked carrots and beans from the garden to go with it. There will be enough for tomorrow's dinner as well As I was making pastry anyway, I made extra, enough for a quiche shell and a dozen mince pies (mincemeat left over from last Christmas, but never fear, it is very alcoholic and keeps fine for several years ).

    Walked dog this morning, but this isn't great exercise as he is slow on the lead, and has to keep stopping and sniffing....

    No heating, managed to get a load of washing almost dried this morning but the rain returned this afternoon, and now looks set in for the night
    July NSDs - 6 / 13
    Groceries, toiletries, cleaning supplies and pet supplies - 195.07 / 250.00
    • f0xh0les
    • By f0xh0les 12th Sep 17, 8:33 PM
    • 1,549 Posts
    • 12,817 Thanks
    f0xh0les
    NSD 9 - All my shopping was YS , boxes of tissues 20p, tagliatelle 14p and I got 12 bottles of beer for 2.75 cos the corner of the box was slightly torn. Madness!
    Can't have any mind, as I am the only responsible adult in the house until Sunday, and I am a cheap date. But it is in the fridge chillin' for next week.
    Made pizza and used up half a jar of artichokes and olives from the fridge and made scones to eat with bake off (that counts as me time today) .
    Was definitely chilly this morning - soon it will be hot chocolate and warm socks time.
    Last edited by f0xh0les; 12-09-2017 at 8:39 PM.
    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
    • dizzyblnd
    • By dizzyblnd 12th Sep 17, 8:52 PM
    • 409 Posts
    • 3,697 Thanks
    dizzyblnd
    TV is like my secret pleasure. I could waste hours watching TV in autumn/winter.
    NST2018 mortgage-free wannabe #145
    • dizzyblnd
    • By dizzyblnd 12th Sep 17, 8:56 PM
    • 409 Posts
    • 3,697 Thanks
    dizzyblnd
    Lolly Pop soups r always a winner for me this time of year. Make a few portions now n freeze them and then u have a quick healthy lunch/dinner for when baby is here. Also freeze some sliced bread for quick sandwiches.
    NST2018 mortgage-free wannabe #145
    • dizzyblnd
    • By dizzyblnd 12th Sep 17, 8:57 PM
    • 409 Posts
    • 3,697 Thanks
    dizzyblnd
    Foxholes- hot chocolate and warm socks- now ur talking my language. At this rate I may not dislike winter as much.
    NST2018 mortgage-free wannabe #145
    • Fmess
    • By Fmess 12th Sep 17, 9:29 PM
    • 2,714 Posts
    • 26,032 Thanks
    Fmess
    It's funny, I love all the things about autumn and winter and yet mentally it's always when I struggle most with depression. I'm currently loving drawing the curtains and snuggling under a blanket in the evening in fleecy pyjamas.

    SFD number 9 achieved today

    I've been using up food the last few days - meatballs and rice for the past two nights and bolognese on leftover roast potatoes for lunch yum

    Lots of dog walking and walking about at work so I'm getting my 11,000 steps easily each day
    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
    • stoplurking
    • By stoplurking 12th Sep 17, 11:03 PM
    • 349 Posts
    • 2,330 Thanks
    stoplurking
    Hi all

    Check in the 12/30. Finally got another SFD today. Lunch to work 7/21.
    Me time- a good catch up with my friend. Exercise-hmm. Not so much.
    Sticking to meal plan, OH having leftovers for lunch, using up what we've got. This challenge is helping me to stay focused so, thank you Thrifty.
    LBM Oct12 Debts at LBM 17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 1193/4000 29.8%
    • bizzie
    • By bizzie 12th Sep 17, 11:26 PM
    • 169 Posts
    • 2,032 Thanks
    bizzie
    Check in #12/30.
    Still at NSD #9/18
    Finally managed to process the online payment so I did.
    Still within my overall budget but general spending category has taken a hit whilst restocking my stationery supplies for back to school.
    Grocery deliveries(!) arrived one had a couple of items out of stock but can get by without.

    Heating still off - not been cold enough to kick in and slowly getting to the bottom of the laundry basket and getting it dry without resorting to either dryer.
    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 :
    • threepenny bit
    • By threepenny bit 13th Sep 17, 4:17 AM
    • 214 Posts
    • 1,778 Thanks
    threepenny bit
    check in - NSD again today
    Found out also that my health insurance is going to pay part of my medical expenses for some equipment I had to buy; they are covering 3000 which means I can whittle down most of the debt on cc1 - made my day!
    Made chicken pasta bake and aded loads of veggies, had it for tea and put 4 portions away for lunches to take to work. Made chicken salad for dinner tomorrow for hubby and I and made sure our lunch bags were ready in the fridge.
    Nothing much else for the day as I was at work - tired and ready for an early night now. x
    1st challenge to pay CC (JV1) 0/$2100 updated
    Christmas 2018 challenge 50/600
    Work on selling items and decluttering
    • ChasingSunshine
    • By ChasingSunshine 13th Sep 17, 7:04 AM
    • 132 Posts
    • 1,003 Thanks
    ChasingSunshine
    Morning,

    We made Martins weekly newsletter!!

    All prepared for the day and all set for a NSD - lunch, snacks and drinks all in my bag and a freezer dinner defrosting for this evening. No excuses. Have planned to meet an old work colleague for a walk / jog this evening which could be interesting as she is much fitter than me but a good excuse for a catch up.
    • apple muncher
    • By apple muncher 13th Sep 17, 8:13 AM
    • 7,482 Posts
    • 56,382 Thanks
    apple muncher
    Yay to being in the newsletter!
    NST Survive July #4; NSD 11/15; Ex 18/20 ; craft 24 (77); remove 57 (509)
    2018 Pay off: 2334; 2
    018 sell 49.10; WLOSW 1/10

    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
    • thriftylass
    • By thriftylass 13th Sep 17, 8:59 AM
    • 3,358 Posts
    • 27,575 Thanks
    thriftylass

    Heating still off - not been cold enough to kick in and slowly getting to the bottom of the laundry basket and getting it dry without resorting to either dryer.
    Originally posted by bizzie
    I had to admit defeat this morning. Rainy and cold here, the previous washing isn't dry yet and a new one is in the machine. The living room was 15 this morning. So I stuck the heating on a timer to just to take the chill off twice a day. Checked my energy bill yesterday and we're 100 in credit so that gave me some peace of mind too.

    check in - NSD again today
    Found out also that my health insurance is going to pay part of my medical expenses for some equipment I had to buy; they are covering 3000 which means I can whittle down most of the debt on cc1 - made my day!
    Originally posted by threepenny bit
    Fantastic news

    Morning,

    We made Martins weekly newsletter!!
    Originally posted by ChasingSunshine
    YAY


    Good morning,

    Another NSD in the bag and got a few things done last night. The tomato plants went on the compost heap (managed to kill my seedling twice hence they started late and didn't produce much). Got some wall painting done, homework (definitely increasing now in P2) and some dinosaur crafting with the kids.

    DH might have to go away for work for two weeks next month but just imaging the amount of money I could save on food and beer and how much stuff I could get done (always get more done when he's not in despite having the kids ).
    Last edited by thriftylass; 13-09-2017 at 9:24 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
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