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  • FIRST POST
    • thriftylass
    • By thriftylass 29th Aug 17, 3:16 PM
    • 3,358Posts
    • 27,568Thanks
    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 20
    • f0xh0les
    • By f0xh0les 13th Sep 17, 2:20 PM
    • 1,549 Posts
    • 12,804 Thanks
    f0xh0les

    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 ).
    Originally posted by thriftylass

    Yep, me too, I have been drilling 'oles and putting up shelves, rearranging furniture and leaving vinegar in the loos so they are suddenly sparkling again. Must be something to do with being bored out of my brain with no-one over the age of consent to talk to
    Even the carpet is hoovered and the shoes are neatly in a line in the hall. Good job he comes back on Sunday or it might become a habit, or a neurosis.
    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
    • Calling14
    • By Calling14 13th Sep 17, 2:39 PM
    • 2,725 Posts
    • 19,814 Thanks
    Calling14
    threepenny bit - good news woo hoo.

    Didn't get most of my jobs done yesterday.
    Managed 11.5k steps.
    Cleaned kitchen as new storage jars arrived, so started on more cupboard cleaning. Amazing what you find!
    Ordered a bread bin to match today as my other one looked dire compared to the shiny new storage jars. Didn't get milk yesterday so wee shop on way home tonight and to be honest I can not bear the thought of more rubber chicken for my tea. So lidlee's here I come. Fish would be nice.

    Lacking in energy today, couldn't sleep last night don't think it was the storm had worse, just worrying about my fence across the drive coming down, post is rotten and finding impossible to get someone to do such a small job.

    Will tackle more kitchen tonight, need to wash walls above wall units, look grubby not sure cobwebs or grease. Fun nights.

    SFD's I am officially rubbish at them this month, need petrol as well.
    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

    • greent
    • By greent 13th Sep 17, 5:03 PM
    • 7,153 Posts
    • 72,826 Thanks
    greent
    Day 13
    DAwnW - love the 'before' description of your dog!

    Lolly Pop - how about chilli, bolognaise (as is or to be turned into lasagne), ratatouille with chicken in it (known in our house as 'Spanish chicken' - I know not why!), curry (maybe mild if you are feeding the baby - I remember my daughter's nappies after I first ate a spicy curry after having her! ), cottage/ shepherd's pie.

    threepennybit - great news about your health insurance covering some of those medical expenses


    DAY 13

    SFDs - now 7/18. - another one achieved today. Always easier when the children are at school (and when OH isn't here! )

    Extra monies/ debt repayment - nothing today.

    Food - running total £185.21/ £450

    Eating up/ using up stuff - yep. All meals from home stuff today. I've baked bread and DD has made up a gluten free choc cake mix brought back from her uni flat into cup cakes. We added 1/2 bar of A1di cheap milk choc chopped up into small bits into the mix. Slightly weird taste but DS1 likes them, so they will all get eaten! (I suspect I'll have to freeze a few, though) And it used up a bunch of odd cupcake cases (I have lots of cake cases - I tend to make 'big' cakes nowadays in the main - will have to use some up for PTA baking )
    Oh - DS3 and DD even drank the bottle of coloured water used for 'Marvellous Medicine', so even that wasn't wasted

    Lunches taken - 3 x packed lunches for children today.

    Social life - none

    Exercise - 2/3. Have achieved min 10K steps every day this week.

    Beauty - £2.73/ £10

    Time for self - read a few chapters last night of book. Will do the same tonight. Today I also caught up on H0lby (whilst ironing )

    Heating off - yep. Quite mild today - when it's not been raining! Crazy weather, going from bright sunshine to pouring down to back again in 20 minutes. Got a small load of washing mainly dry outside until it started raining - aired it off to finish. Winds were high overnight - lots of fruit blown down from the trees - so have collected it up and will use for chutney. Also picked some of the remaining larger specimens for eating as is

    Gratitudes:
    * feeling generally content
    * mainly sunny weather today
    x
    Last edited by greent; 13-09-2017 at 8:34 PM.
    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
    • DawnW
    • By DawnW 13th Sep 17, 5:46 PM
    • 5,106 Posts
    • 40,369 Thanks
    DawnW
    Day 13/30
    Managed a SFD today
    Nothing to write in my little black book
    Walked a couple of miles, maybe more, post office and dog walks
    Started autumn tidy up in the garden
    Using up - quiche in oven, bolognese on hob, to use up various bits from the fridge and freezer
    Will rinse out handwash bottle under running water in lieu of bath foam tonight, before the bottle is recycled
    Leftover chicken and ham pie for dinner tonight
    No heating
    No social spending
    No beauty spends
    Nothing spent at all
    July NSDs - 6 / 13
    Groceries, toiletries, cleaning supplies and pet supplies - £195.07 / £250.00
    • determined new ms
    • By determined new ms 13th Sep 17, 6:08 PM
    • 6,882 Posts
    • 40,382 Thanks
    determined new ms
    Hi check in 13/30

    SFD 5/18 Bread & butter running very low but might be able to squeeze an extra SFD before getting these

    Exercise - don't feel like I made it. I did do 2x 10 mins power walking. Actually forgot I was at the lottie for a couple of hours, did at least 45 mins digging & hoeing. Might do some hula hooping after dinner...

    beauty spends still zero I must be beautiful enough!

    tonight for dinner we have a rice bake thing using up a load of hg veg & I dug out some diced and cooked turkey for the meat eaters - it was supposed to be a pasta bake but run out of pasta!

    Me time - kinda the allotment but as it is sustenance I kinda feel although I love it, it doesn't quite hit the self indulgence I'm after! going to have a long soak in the tub & read my book and a facial & pedi

    Not even crossed my mind to put the heating on!
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • Kerry Woman
    • By Kerry Woman 13th Sep 17, 7:01 PM
    • 2,383 Posts
    • 23,185 Thanks
    Kerry Woman
    Day 13
    Managed another SFD today 7/18
    Did the usual 20 minutes walking, brought lunch to work, read my book and using food already in.
    Had fun getting home from work - took me nearly 2 hours. Go by bus as it is cheaper. So going to take it easy again tonight. Going to catch up with a few bits around the flat.
    Last edited by Kerry Woman; 13-09-2017 at 7:32 PM.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST 07/2018 - Survive July! NSD 15/20
    • vintagebrighton
    • By vintagebrighton 13th Sep 17, 7:28 PM
    • 557 Posts
    • 1,695 Thanks
    vintagebrighton
    Check in 13/30

    Another slightly spendy day even though I intended not to spend. I found some lovely, hand crafted gifts that were perfect for my friend's Christmas pressie so I got them. I have Christmas money put away so it is budgeted in a way.... Then, as I'd lost a NSD I bought the eggs we needed today instead of tomorrow. That's the last of the shopping money till Friday so I'm expecting tomorrow to be spend free as my purse is empty

    Exercise - none (shamefully)

    Forgot about beauty spends (thanks determined) - none (yet)

    Heating - still not on but it's raining and chilly this evening. Hope my guest doesn't shiver

    No social spends - I don't have a social life!

    Me time - Crochet and Masterchef later

    Keep warm scrimpers!

    VB x
    Australia (1% Challenge #6) ~ 0/100
    Weight Loss Challenge ~ 0/42
    Save 12k in 2018 #32 ~ 4250/6000
    • foxgloves
    • By foxgloves 13th Sep 17, 7:32 PM
    • 4,147 Posts
    • 21,532 Thanks
    foxgloves
    Evening all,
    Progress report:
    Check-in 13/30
    SFD 3/18
    Beauty spends £6.50/£10
    Exercise goal - no, not today. Will be about 2000 steps short of target.
    Me time - not yet. V stressful day.
    Useful scrimpy activity: Plenty of flour in the pantry so baked bread rolls instead of buying. Turned 1 kg homegrown tomatoes into lovely soup for our meal tonight (with the warm bread rolls) & have portioned up the rest for freezing.
    F
    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
    • Lauralozzle
    • By Lauralozzle 13th Sep 17, 7:44 PM
    • 560 Posts
    • 4,955 Thanks
    Lauralozzle
    Managed another NSD so I'm at 6/18. I remebered to go to the bank and put the cheque in. I only have a week and two days at work before I'm off for a week (not that I'm counting). I had another short-ish day at work - although I would really like to build up some flexi for another day off down the line so will have to stay behind one of these days!

    Took lunch in today and used up some cupboard supplies for dinner. The heating is still off too.

    I'm grateful for my bed. I think I'll have an early night tonight.
    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
    • apple muncher
    • By apple muncher 13th Sep 17, 7:58 PM
    • 7,477 Posts
    • 56,322 Thanks
    apple muncher
    Today I am grateful for a morning walk in the sunshine, for buses turning up when needed, for missing all the downpours, for getting my prescription, for dd going happily in to school, for a good day at work, for seeing some of the pupils making great progress, for visiting a sch yesterday and easily making the decision that dd is not, no way, never ever EVER going to go there, for some more bunny sewing up, for a good book to read.
    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
    • greent
    • By greent 13th Sep 17, 8:36 PM
    • 7,153 Posts
    • 72,826 Thanks
    greent
    for visiting a sch yesterday and easily making the decision that dd is not, no way, never ever EVER going to go there,
    Originally posted by apple muncher
    I can tell that you really liked it....

    Hope you find the 'right' one for her 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
    • Sun Addict
    • By Sun Addict 13th Sep 17, 8:38 PM
    • 5,918 Posts
    • 39,231 Thanks
    Sun Addict
    Day 13 - spend day today on bread, bananas and cat food. Also paid for the work Christmas meal, could've just paid £5 deposit but decided to get the whole £20 out of the way.

    Exercise was 19553 steps which included 30 minutes in work gym at lunchtime.

    Still no heating on
    Virtual Sealed Pot 2018 £296.07
    Debt £2300
    Weight loss 1/6LBS
    Emergency Fund £4000/£10,000
    • bizzie
    • By bizzie 13th Sep 17, 9:08 PM
    • 169 Posts
    • 2,032 Thanks
    bizzie
    Check in #13/30
    Now at NSD#10/18
    Attempting to get on top of household jobs. Have found the dining table under the piles of paperwork.
    Feeling the cold today but have resisted putting on the heating.
    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 :
    • Fmess
    • By Fmess 13th Sep 17, 9:21 PM
    • 2,714 Posts
    • 26,032 Thanks
    Fmess
    Spendy day today on SW weekly fee and then chicken and chips after weigh in

    Dogs walked and finally found the right paint colour for the bathroom so I'll buy that and finish the painting at the weekend.
    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 13th Sep 17, 9:25 PM
    • 349 Posts
    • 2,330 Thanks
    stoplurking
    Check in 13/30. another SFD today, 7/18. Lunch to work 9/21
    Exercise 0, social life 0, me time 0 but I'm ok with all those 0's today. tomorrow will be spendy, social-y and exercisy.
    heating still off even tho' it is cold in here. Keep going everyone, we'll soon be at the halfway mark.
    LBM Oct12 Debts at LBM £17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 £1193/4000 29.8%
    • redofromstart
    • By redofromstart 13th Sep 17, 9:31 PM
    • 1,842 Posts
    • 11,285 Thanks
    redofromstart
    NSD for me, cracking headache so no exercise.
    • LollyPop0312
    • By LollyPop0312 13th Sep 17, 9:38 PM
    • 19 Posts
    • 227 Thanks
    LollyPop0312
    Is it your first?
    Originally posted by f0xh0les
    No third..but with the other two we were much more spendy people! Now we have no debt and saving for a house so very different situation, we wanna stay within our means!
    • mothernerd
    • By mothernerd 13th Sep 17, 10:04 PM
    • 2,462 Posts
    • 25,736 Thanks
    mothernerd
    Went to crafts and walked home. Took me about 6 hours of effort to get to that stage. Less pain today but severe dizziness when I stood up. Did wonder if I would be able to approximate a human being for two hours but coped (not many people there today which helped). Best of all - left a pile of cardboard and contents of two large bags for life in the cupboard there, so more space in my bedroom.

    Feeling relieved that it is nearly the end of the week. Tomorrow I have to do shopping of some sort and I intend going to mum's. Will combine my shop with hers and taxi hop everywhere, unless I improve. No SFD today as I bought sandwich stuff plus on the way home from crafts (feel I need to eat but don't want anything fancy.

    Today I am grateful for companionship and co-operation (4 of us holding something that was slow to stick down), an idea I had turning out well in practice and being able to walk (slowly for 15 minutes) without falling over or needing to stop and hold onto something.

    I haven't put the heating on but I am wearing a thick cardigan over my dress.
    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
    • Tjzdazz
    • By Tjzdazz 13th Sep 17, 10:35 PM
    • 16 Posts
    • 74 Thanks
    Tjzdazz
    At the beginning of the month I set my budget (using the envelope approach) and so far sticking well to it. Food shopping cost has such a big impact on our overall budget so trying to use up cupboard as much as possible and meal plan.
    Walking the school run every day regardless of weather and have taken lunch to work without fail.
    No heating on here yet though it's cold today.
    Only 3 SFDs due to special birthdays at the beginning of the month.
    • f0xh0les
    • By f0xh0les 14th Sep 17, 7:51 AM
    • 1,549 Posts
    • 12,804 Thanks
    f0xh0les
    Still on NSD 9, had to put petrol in the car yesterday, which was odd as I am doing the same journeys as last week, only the petrol has run out 2 days early.

    Am due a £150 refund on a cancelled credit card payment, so that's nice, but annoying that the money is stuck on the card. Might do a £150 food budget next month. Hardcore!

    Today will not be a NSD as I need cash for the scaffolders tomorrow and I
    need more rawl plugs (whoop whoop! Does that go under 'me time' or (house) 'beauty spends' ) Tomorrow will be a planned spend day as well, more cash for scaffolders and whatever else I need to make the weekend spend free.

    Urgh, just realised school photos next week so will need 4 x haircuts. Will do that Friday too.
    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
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