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    • thriftylass
    • By thriftylass 29th Aug 17, 3:16 PM
    • 3,357Posts
    • 27,551Thanks
    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?

    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'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 23
    • bizzie
    • By bizzie 16th Sep 17, 11:38 PM
    • 169 Posts
    • 2,031 Thanks
    Check in #16/30
    No spending today so NSD #11/18

    Helped DDs tidy / clean their bedroom slowly building up a charity shop donation pile. Avoidance of homework the driving force!

    Meals from leftovers and stuff already in.
    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 17th Sep 17, 5:12 AM
    • 214 Posts
    • 1,778 Thanks
    threepenny bit
    check in time - today didn't happen as planned lol! I bought some shopping as lots of things on sale at a local small supermarket; things like tinned toms, beans, soups etc were BOGOF. Had to get bread, cheese, butter etc too. I did make a meal plan for the next 2 weeks though and will only need fresh things like milk, bananas etc.
    Did classroom shopping for the new children I have in class and also bought extra coat hooks for the coat area.
    Tomorrow we go home and then get back to work and making lunches lol!
    Hope everyone is having a good weekend and staying warm
    1st challenge to pay CC (JV1) 0/$2100 updated
    Christmas 2018 challenge 50/600
    Work on selling items and decluttering
    • Fmess
    • By Fmess 17th Sep 17, 7:01 AM
    • 2,714 Posts
    • 26,031 Thanks
    Morning all,

    Friday was a SFD so that's 10/18. Had a full day at work and then painted half the bathroom walls.

    Yesterday was spendy. I finished the bathroom, although some freshly painted ceiling got stuck to the low tack decorators tape and came off need to gently touch up and repaint that but then the room is done (paint wise). I still have no suite but the plumber says he's coming on Wednesday, four and a half weeks after the builder started the job. At least it'll get done, fingers crossed.

    Over 24000 steps yesterday as walked the dogs twice, decorated, did the food shop and then walked back from a local concert last night.

    I made a huge lasagne to use up mince and white sauce but it meant buying the veg and cheese. 5 extra large dinners for the freezer made and one ate last night. I've also been eating up bread from the freezer and sliced chicken. Not on plan with SW but it's near the end of the month and finances are tightish.

    Today should be a SFD. I have lot of school work to do, then the lawns to mow and the dogs to walk.

    Fighters crossed for dry weather so the washing can go out.
    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
    • mothernerd
    • By mothernerd 17th Sep 17, 7:23 AM
    • 2,459 Posts
    • 25,699 Thanks
    I've pegged my washing out Fmess. Claiming a SFD for yesterday as did not spend but was sorely tempted. Glad I waited as I want to buy lemons to clean my chopping board properly and would like milk to make a batch of cheese sauce.

    Just crawled into bed after having a bath and washing my hair. I have been awake all night but I now have a habitable kitchen. I wouldn't eat off the floor - needs another go but I got off all the sticky bits (not thinking about what they might have been, think someone had dropped mushy peas or possibly broccoli soup and not wiped it up).

    I do have clean work surfaces, a pile of clean pots, cutlery and pans and most of a table (piles of rags and bags at the back) and the bins are quite full. Can also see most of the front room floor and will be able to sit on the second couch tomorrow - any bets on DS3 and Beloved having a couch each and I will still have to perch on the spare bed.

    May be another SFD as I am not sure I will be able to get out of bed. I was really pushing it towards the end and everything hurts (bit better since the bath).

    Feeling quite alert so will do some bed based things until I feel sleepy.

    I am grateful for being able to clean without buying anything (not one for having a different product for individual items), for beef and watercress wraps and for getting things done after a difficult start.
    This year I will be fierce
    NST Jul #10 SFD 5 /13 Food £100.54/£150 Travel £17.60/£15 Ent/diy £6/£30
    No Debt No mortgage
    • dizzyblnd
    • By dizzyblnd 17th Sep 17, 8:19 AM
    • 407 Posts
    • 3,683 Thanks
    Well Friday was a nsd so I'm now on 7/18. Yesterday wasn't as I bought DD dinner as we were out and she was hungry. It comes out of my personal spends budget so all ok. This month I have realised how many little things ruin my nsds like needing milk (£1) or bread (£1) it's not like I blow the budget it's generally £1 or so.
    NST2018 mortgage-free wannabe #145
    • Eager_Elephant
    • By Eager_Elephant 17th Sep 17, 9:04 AM
    • 4,430 Posts
    • 25,428 Thanks
    Wowsers another week has passed so quickly.

    Managed another 3 NSD's taking me to 8 for the month.

    Had my one planned night out last week.

    Really need to reign my spending in but we have rescued 2 more feral kittens who are only a few weeks old so kitten milk and more cat litter needed to be purchased this week.
    Have brought 30litres of cat litter, that should last a few weeks.

    Also could not resist the draw of the Wilko gardening sale - only got seeds that I want to grow next year and not everything just because it was cheap.
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - (Eager Elephants Effective Everyday Excursion)
    • Lauralozzle
    • By Lauralozzle 17th Sep 17, 9:53 AM
    • 560 Posts
    • 4,955 Thanks
    Yesterday - was a spendy day. Went shopping, also purchased a new frying pan (one of these ultra durable ones) so that was an extra £20. Have enough for the week be so we will try and avoid shops throughout the week.

    Today should be a NSD but I won't call it one yet. I need to tidy the house today, visit nana and grandad, sort out dinner, sort of lunches, sort out washing, have a nice bubble bath in the evening. Pretty busy day so don't think there will be time to spend anything!
    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
    • greent
    • By greent 17th Sep 17, 10:51 AM
    • 7,139 Posts
    • 72,674 Thanks
    Day 16 (late again!)
    Late check-in as I was shattered and crashed out last night without going on laptop

    SFDs - still 8/18. - most definitely NOT a SFD yesterday. OH had to buy a replacement shower for our bathroom (over £500 ) as ours has seized and a part broken internally. Did get a refund of £90 for the replacement part we originally bought but didn't end up using. I also wanted a family takeaway evening after a long and tiring morning at work so we spent on that. Finally, we also bought 2 x tubs of chocs (on offer at 2 for £7 in Tesc0) for Xmas (and we never eat them before, so it is worthwhile buying now)

    Extra monies/ debt repayment - Spent the morning at work for the grammar school entrance exam/ 11+. DS1 also helped. He got £15. I got £100. When I get it paid (hopefully month end) it will go to 0% CC for holiday

    Food - running total £236.58/ £450 Spends on this yesterday were 2 x bottles of 'pop'

    Eating up/ using up stuff - Clearly a fail last night with the takeaway! Small amount of takeaway leftovers will be consumed today, so nothing will be wasted.

    Lunches taken - N/A for yesterday.

    Social life - I did mention a family takeaway for this month at the start, I think. Was a lovely relaxing meal with all of us at the table and a very long chat about all sorts of things!

    Exercise - 2/3 formal sessions. 10K steps achieved 5/6 days (other day was 8.5k)

    Beauty - £2.73/ £10

    Time for self - early night and total crash out when head hit pillow - sort of counts!

    Heating off - yep. Chillier, though. Have started lighting candles on an evening and will probably start drawing the curtains in the living room now, too.

    * The opportunity to earn extra money by working yesterday morning.
    * A lovely family evening together
    * DS1 volunteering for helping at work yesterday morning - then coming home, changing and grabbing a quick sandwich - and then straight away volunteering with army cadets at the local police station open day. Makes me proud
    * OH spending his morning trying to sort the shower out
    * Having the money to purchase the new shower (OK, it's gone on 0% CC for the time being)
    * Having alternative showers available in the house!
    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 £542.92/£1000 PAYDOX18 (#15) Done £18918.90
    • ChasingSunshine
    • By ChasingSunshine 17th Sep 17, 11:00 AM
    • 130 Posts
    • 999 Thanks

    Yesterday was a NSD but today won't be. Heading to the pub to watch the football. Will likely still come out ahead in terms of social spends as will drive, meeting after lunch and this is the same group I turned down drinks with on Friday.
    Otherwise slowly using stuff up, getting meals planned for the week and must hit the pile of washing so it is all hung up before I leave the house.
    • LollyPop0312
    • By LollyPop0312 17th Sep 17, 12:18 PM
    • 19 Posts
    • 227 Thanks
    No spend day yesterday brings me to will be one too so 9..OK so probably won't get to 18 but I'm gonna try my hardest! Still have managed to have more no spend days that usual so a definite win! Baby due in 2 weeks..feeling very exited about not being pregnant anymore.

    Hope everyone enjoying challenge still!!
    • Sun Addict
    • By Sun Addict 17th Sep 17, 3:06 PM
    • 5,910 Posts
    • 39,164 Thanks
    Sun Addict
    Day 17 check in.

    Over half way through this challenge so how am I doing so far?

    Grocery budget£336.44/£400.00 - oops still got 13 days to go

    Spend free days8/18 - a lot better than I usually do but doubt I'll hit target.

    Eat from cupboards/freezer - been trying to do this but have also been adding to stocks when offers are on. However, think I can manage until the end of the month with what's in there now.

    No buying work lunches- I never buy lunch for work. Always make a huge batch of soup on a Sunday to last me all week

    Social life- resisted up to now but am having a day out with friends on Wednesday plus a drink after work with the team on Friday. I don't generally have much of a social life so never turn down an opportunity.

    Beauty spends- so far £0/£10 but have hairdressers on Saturday which has been booked in for weeks. Desperately need my hair cut as starting to look like the Dulux dog.

    Exercise- been walking to and from work every day (6 miles) plus either work gym at lunchtime or a walk plus dog walking. Doing well over 16,000 steps on an average day.

    Me time- always make sure I do this. I always have a long soak in the bath when I get home from work and make time to sit and have a coffee/read every day.

    Heating off- went back on yesterday after finding out how to work it (it's a brand new central heating system). Mr SA is disabled and recovering from Lymphoma he feels the cold very easily and has been begging me to switch it on, so I caved in.

    Final push for the last couple of weeks - here we go
    Virtual Sealed Pot 2018 £296.07
    Debt £2300
    Weight loss 1/6LBS
    Emergency Fund £4000/£10,000
    • f0xh0les
    • By f0xh0les 17th Sep 17, 4:45 PM
    • 1,545 Posts
    • 12,780 Thanks
    NSD #11

    Used up two free sachets of shampoo last night. Easily three years old, maybe more, and a sachet of split end repairing goop. Plus a mud mask but only lasted a minute as it was stingy. Also found a tub of cucumber moisturiser with a teaspoon of goo left in it. Used up, tub washed and recycled.

    DS2 found a box of muffin cases in his bedroom he needed for Home Economics, that isn't called Home Economics any more but probably should be, last year. Anyway,, he had only used 8 of them and had remembered to put the lid back on so they are back in the pantry.

    Cleared out bathroom cabinet (DH's shelf), now he can see what he has got No contact lenses, no ibruprofen gel,no empty boxes to make him think he did.

    Tumble dryer knackered again, It didn't last 4 days since the last fixing, what worries me is that they have a number on the automated dialling system for machines that have been fixed by their engineers in the last 30 days and have broken down . Does this happen a lot? Must do!

    Secretly hoping for intermittent electrical fault, within warranty, new one please.

    Grateful for the kids asking for tomato soup and doughballs for tea, will make pizza bases for later in the week if there is any dough left over. DS1's braces mean he no longer wants pizza. That makes me sad, but also happy as it means more soups and stews. Loads of veg!!

    Anyway. Enjoy your SuperScrimpingSunday Evening.
    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
    • foxgloves
    • By foxgloves 17th Sep 17, 5:14 PM
    • 4,143 Posts
    • 21,504 Thanks
    Hi Sunday Scrimpers,
    Check-in 17/30
    Grocery shopping today - Week 3's shop of a 4-week budget. Came in under budget, even though we went to Waitrose for cat biscuits.
    Exercise goal - nope! Will be about 1300 steps short of daily target.
    Me time - was brought breakfast in bed! Lovely.
    Other useful activity - free coffee from Waitrose, free parking in town, knitting stuff to sell - need to do as much as poss over this next month. Re-listed some ebay items. Looks like my door curtain idea will work, saving £55 on the fabric I wanted & some ready made curtains I looked at today were also over £50, so if the sewing machine comes out tomorrow, I will have done the frugal, non-spendy thing.
    Dinner is in slow cooker & smelling good.
    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
    • vintagebrighton
    • By vintagebrighton 17th Sep 17, 5:57 PM
    • 556 Posts
    • 1,692 Thanks
    Evening scrimpers, check in 17/30

    A NSD for me - updated my sig to show 9/18, half way there

    I know that next week won't be so frugal. I'm having my hair cut which will blow my beauty spends £10 budget. But it's planned, budgeted for and needed before a hospital stay.

    Next week I have hospital appointments but I'm going to count the travel costs as medical expenses (I'll get one lot back anyway). If I pack food from home and take a book I won't spend anything.

    Heating - still none, still haven't got the boiler to work! Will sort tomorrow hopefully

    Me time - plenty today

    Social life - nope, still haven't got one

    Exercise - not today thanks

    Using up stuff - soup with stock from the freezer and fridge veg

    Enjoy your evening all

    VB x
    Australia (1% Challenge #6) ~ 0/100
    Weight Loss Challenge ~ 0/42
    Save 12k in 2018 #32 ~ 4000/6000
    • Kerry Woman
    • By Kerry Woman 17th Sep 17, 6:14 PM
    • 2,378 Posts
    • 23,128 Thanks
    Kerry Woman
    Day 17
    Achieved another SFD - 9/18
    Stayed in today. Just another chilled out day and resting.
    Using food etc in store.
    Been catching up with programmes I recorded.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST 07/2018 - Survive July! NSD 10/20
    • mothernerd
    • By mothernerd 17th Sep 17, 6:42 PM
    • 2,459 Posts
    • 25,699 Thanks
    I am able to move but it's very slow and creakily. Had to push myself up from the kitchen table and at one point I was so stiff I could only walk sideways like a crab. However kitchen is a joy to behold so worth it. Lots of little bits I can see that need doing (now that the whole disaster area part isn't in the way) but feeling content and pleased with myself.

    Today was a SFD in the end as I could not walk to the shops. Getting up and down stairs was difficult enough.

    Settled for an easy lunch from the freezer and whilst it was cooking I brought the dry washing in, put out the load in the washer that I set off last night, emptied and cleaned the mop and bucket. I sat at the kitchen table, pricked over 2kg of baking potatoes to go on the shelf under the dinner, put a whole pack of frozen sausages in a roasting dish to put in the oven when dinner came out.

    After lunch I chopped two packs of sweet potatoes (for mash), chopped a bag of little potatoes (salad and mash - to go with the sausages, will portion up when cool) and chopped up 2 peppers + half from the fridge, a ys aubergine, celery (for salad and pasta bake/ soup) and some apples that were going yellow.. brought 2 green apples with the brown bits cut off upstairs with me and spent some time sitting in the late afternoon sunshine eating a yoghurt.

    Lots of things I would like to cook but if I can't do more of that I have paperwork, crafting and baby blankets to keep me occupied.

    Money front is not so good. I have just looked at my bank balance and the emergency fund has slipped a bit. I was aware that there have been some 'big' spends (for me) recently - the printer, some new clothes (although some were from the charity shops) and then wardrobe rails and extra hanging bits last month (+ stuff to make the final shelf in the kitchen - another nearly 8' one). Need to draw in my horns and get serious about economising. Budgeting has got more difficult because of doing all mum's shopping as well, going into more shops at times and in places I would normally avoid.

    Last night I was tempted to spend (was fighting the urge to send for takeaway, just to keep me going). I looked at the specific fabric I need for Beloved's Christmas present. I have lilac or white but it should really be pale grey. I had seen a piece on ebay for £7 but last night I checked one of the best online shops and it's £6.25. The piece is quite large and I don't want to spend all that time (approx 140 hours) doing it and then have it 'not quite right'. On the other hand in over 40 years of embroidering I have never bought a specific fabric for a project, it's all job lots and remnants and then I see what I can get away with (supposed to leave 2" of fabric all around the design for framing, I have less than a centimetre on some things and a few frayed threads at odd times.

    Whilst I was (thinking of) buying that I thought I might as well buy DS3's underpants and have nearly all my Christmas shopping done. He wanted them last year but forgot to say until after I had ordered his socks (he needs special larger sizes in both, no more quick trips to Arseda for the 3 for £5 pack). He was so late with the socks (I had to find the website and pin him down to decide on a pair - buy multiples so that any 'odd' socks still pair up) that he must have chosen a dozen different packs before we found one that was in stock. If I could have found another stockist who told you up front what was in stock, rather than having to order and go through checkout before telling you they could not fulfill the order (grr smilie).

    I also saw a beautiful turquoise necklace (the stone not the colour) in one of my craft forums. DS2 bought me a turquoise bracelet some years ago and I have always wanted a matching necklace. When it was DS2's graduation I saw one in a fairly local shop but thought £59 for a necklace and bracelet was too much, then realised it was only ythe price of the bracelet.The handcrafted chunky one last night (which actually goes a lot better with my bracelet) was only £20 and they had a smaller one on the website for £12.50. Goes with my current dress for DS1's wedding (the £4.50 charity shop one).

    However I resisted buying anything. I will use the Frugalwoods practice of waiting 3 days for any impulse purchase. Any longer and I might not be able to find my way back to the website - I have bookmarks but it was a long while before I knew where they lived. Must read that book on laptops again, the non patronising one.

    I am building up a shopping list of things we have run/ are running out of and a few more things mum wants - sealing and painting the boxes the meters live in has been added to my list. If I buy the necklace I will use the money mum gives me for Christmas. Everything else I will have a ponder and think about getting things cheaper or making something, then by what I need to buy all on the same day.

    Come to think of it, that's what I did in HB last week, cost me a fortune. Saving money in the long run as had already checked the offers on wash tablets in 3 different places and their's beat them by a mile (so bought 2?), I remembered mum had asked for toothpaste and a new brush (=/ better than pound shop) and they had the spotlight bulbs I needed for the kitchen (had 3 in but 5 have gone and knew from last time that their prices were far better than Wilko who beat SM and B&Q). Went in for one thing, bought a heavy basket load - all things we needed. Maybe I am not realistic about how much money we need. I did have a fund of £20 - 30 per month for small household/ diy items. Perhaps I need to re-instate it, after all a lot of it protects against major spending later.

    Today I am grateful for having a kitchen I wouldn't be ashamed to let people see, for feeling good and for being able to do things - not a lot but every little helps.
    This year I will be fierce
    NST Jul #10 SFD 5 /13 Food £100.54/£150 Travel £17.60/£15 Ent/diy £6/£30
    No Debt No mortgage
    • apple muncher
    • By apple muncher 17th Sep 17, 7:46 PM
    • 7,465 Posts
    • 56,231 Thanks
    apple muncher
    Today I am grateful for catching up with an old friend, for quick and easy meals, for getting about a dozen bunny arms sewn up, for an interesting book to read, for fresh air.
    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 17th Sep 17, 8:09 PM
    • 7,139 Posts
    • 72,674 Thanks
    Day 17.....
    SFDs - still 8/18. - quick A1di shop today - and also ordered some name labels for DS2 & DS3.

    Extra monies/ debt repayment - None. Have relisted some unsold items on flebay, though

    Food - running total £266.83/ £450 - £30.25 in A1di today.

    Eating up/ using up stuff - ate leftover takeaway for lunch. Had chicken from freezer for dinner tonight (with lots of veggies bought in A1di) Baked rolls for lunchboxes.

    Lunches taken - N/A for today.

    Social life - None today

    Exercise - 2/3 formal sessions this week. Bad day for steps today (c 5k)

    Beauty - £2.73/ £10

    Time for self - I went to A1di by myself - that's about it for today! May go for a bath once I've prepped lunchboxes

    Heating off - yep. Have got socks and a (thin) jumper on today though. House is warm tonight from a combination of a milder day and roast dinner - oven on for a couple of hours warms up downstairs if doors left open.

    * DS3 being delighted with his 'shiny coin' from the tooth fairy (even if he did tell us this about 4am this morning!!)
    * OH doing most of the ironing today (unusually)
    * yummy roast dinner (DD's favourite meal and her last one before going back to uni)
    * my mum taking DS3 for a dog walk - he was really keen to go, so I'm glad she did
    * getting a full load of laundry line dried
    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 £542.92/£1000 PAYDOX18 (#15) Done £18918.90
    • dizzyblnd
    • By dizzyblnd 17th Sep 17, 9:14 PM
    • 407 Posts
    • 3,683 Thanks
    I'm still stuck on 7/18 nsds. Spent the last of the food budget today so think I may have underestimated what we spend a month greatly. I have everything we need for meals for the rest of the month so shouldn't need much more n this has included all nappies, toiletries etc all in. All I should need to buy is milk/bread/fresh fruit.

    Today in grateful for a lovely dinner (cottage pie) and an even better dessert (chocolate pudding) u can't beat some autumn food. I feel like I have a huge to do list going into this week. Been struggling a bit with feeling a bit down, end of summer blues but this week is supposed to b slightly better weather wise so hoping to do washing and dry outside. Got a family birthday both weeks for two weeks so I'm going to b nowhere near the nsd target but it's all budgeted for. U all do so well on nsds and setting budgets.
    NST2018 mortgage-free wannabe #145
    • bizzie
    • By bizzie 17th Sep 17, 11:37 PM
    • 169 Posts
    • 2,031 Thanks
    Check in #17/30
    Achieved another NSD #12/18 though have online baskets with items waiting for the purchase now button to be pressed. Will do that on my next unavoidable spend day.

    Homemade soup for lunch with enough leftover for a couple of weekday lunches.
    Resorted to heated rail to dry laundry as weather too unreliable to get the loads dried outside.
    Last edited by bizzie; 18-09-2017 at 8:57 AM.
    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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