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    • mothernerd
    • By mothernerd 28th Sep 17, 9:46 PM
    • 2,438Posts
    • 25,444Thanks
    • #1
    • 28th Sep 17, 9:46 PM
    NST October ORGANISE OCTOBER 28th Sep 17 at 9:46 PM
    Ninja Savings Turtles ORGANISE OCTOBER

    Several people have indicted that circumstances dictate the continuation of September's Super Scrimpers regime and the tough line instituted by Ninja Savings Kat in her challenges (see NSK).

    Austerity October? Austerity with a twist because although the turtle way is difficult we always aim to have some fun along the way, provide the odd inspirational quote, offer help and advice, sympathise when things go wrong and celebrate our successes. Remember No Turtle Gets Left Behind.

    Commit to the challenge, follow the rules to the best of your ability. The rules are all tools that will help you on your debt free journey, the more tools you utilise, the more you will save but if you are new, it can take a while to get up to speed with them all. Don't worry.

    The Truth is out There
    Question Everything
    Be Stronger Than Your Excuses

    Organise. Start as you mean to go on. Know the contents of your fridge, freezer and cupboards. Plan your meals around them. Cook from scratch. Don't buy anything you can make unless cost /time taken dictates otherwise. If you are new to turtle challenges or still have full cupboards you could try living from the cupboards.

    Regular budget items should be set by 3rd October at the latest (extra time allowed because this is being posted later than usual). If you don't know how much you are spending on food or petrol, now is the time to find out. Question every purchase - need or want? Can you make a percentage cut to one of your budget items - 3% to 10% you decide. Most importantly, Pay To Your Debt Or savings First, Live off What Is Left.

    Get Ready for Winter. Checklist in separate post. You decide how and when to implement it.

    ALWAYS Be Kind

    No Spend Days. Aim for 20 (high target) or 15 (low). You will not lose an NSD for petrol included in petrol budget, medical expenses (you don't choose when to be ill but stocking up would be cheaper), yellow sticker purchases only (no additional full price items). For regular activites where fees are paid weekly (children's clubs, window cleaner) you can set aside the money for the month on a spend day and avoid losing a spend day each week.

    Special exemption for the turtle who's family drink milk by the bucketload. Any requests for special exemptions will be considered (some turtles manage their money in other ways)

    IMPROVISE. Make do and mend with a creative twist. think of a substitute ingredient, how to make an old/broken piece of furniture last a little longer. Looking forward to reading your stories on this one (not if they invlove sending OH to work in your pants).

    STOPTOBER Are you participating? Have you any bad habits to curb or a good one to implement or re-instate.

    EXERCISE Four times a week at least (20 minutes minimum but can be done 10 minutes at a time). Get outside in daylight as often as possible.

    ONE MORE TIME It is never too late for a second chance. Some of us set goals in January. last month thrifty asked us to look at where we wanted to be, why we weren't there and what was going wrong. Now you need to put in the small steps that will lead to your goal. If you have fallen off the path, start again - just because you can't do it all, doesn't mean you can't do any. New starters may like to set some goals for the next 3 months.

    CHRISTMAS Sorry we do have to talk about it. If you love it and have been planning and saving all year, enjoy yourself.
    But let us think about cutting back.
    You still have time to have the 'no present pact' talk (token presents/ children only) or talk your work colleagues or other groups into only giving one card to the whole group with savings possibly going to charity.

    You still have time to make presents but may need to buy materials (may be more time for edible gifts). Involve children in making gifts particularly for grand-parents and teachers. Encourage them to have a toy clear out and pass on any that are no longer wanted to younger family memebrs or charity (or sell to make a few pennies).

    Finally Don't Be A Martyr For Christmas
    If the works annual do is a chore (and an expensive one) opt out. Say you aren't going.
    Some people have lovely families and love to gather together. Most of us have the odd awkward relative and some would try the patience of a saint. Don't let others take you for granted and don't feel obliged to welcome all and sundry.
    If Christmas is a difficult time for you, take time out if you need it, treat yourself kindly .

    THE Challenge will run from 00.00 on 1st October until 00.00 on 31st October.

    ODD - This month's inspiration is going to be slightly off the wall. Looking forward to how many of you can follow where others boldly go

    BANNED Takeaways, coffee shops, chippys, pie shops, vending machines, sandwich bars etc. exemption for turtls who budget for this from personal/ social spending or who have nowhere else to meet a friend. Dispensation for support for sick friends.

    EXTRA INCOME Overtime, surveys, second jobs, craftsales at Christmas fairs (Bunny tales - and tails - always welcome).

    REPORT in, daily if possible (I know some people have access problems). Sometimes people slink off if they have strayed but you will not feel better until you tell your fellow turtles about it. BE STRONGER THAN YOUR EXCUSES.

    Last edited by mothernerd; 29-09-2017 at 10:19 AM.
    This year I will be fierce
    NST Jun #1 SFD 9/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £31.50/£30 bought clothes
    No Debt No mortgage
Page 11
    • greent
    • By greent 5th Oct 17, 4:12 PM
    • 7,081 Posts
    • 72,161 Thanks
    Day 5 Check In :)
    Organise/ Cook from Scratch/ Use things up - All food from stores - dinner tonight for OH & myself is YS duck with pancakes - nom nom nom Didn't eat lunch - popped up to Tesc0 for spring onions for dinner, bumped into a friend there and chatted for 20 mins and then bumped into OH's cousin outside and spent 2.5hrs chatting!

    Pay debts/ savings - nothing today

    * Food - 30.14/ 325 (stretch 290)
    * Fuel 60/60 - car has been filled right up. Should last halfway into Nov, fingers crossed..
    * Clothes 0/75
    * Gifts 12/150
    * Toiletries 0/10
    * Social 0/200 (stretch 150)

    NSD - 4/12 Counting today as spring onions were YS, as were the other 2 bits I picked up - and even the gift I bought in Tesco was RTC

    Improvise -

    * Week 1 - 2/4

    Jan Goals - "By the end of the year I want to have halved the (non mtge) debt we have and have lost 20lbs - and also get fitter along the way"
    Debt at start of year more than halved.
    Weight/ fitness = Still need to weigh myself again

    Extra income - Not really - although did get new home contents/ buildings cover @ £85 cheaper than renewal price (with slightly improved cover) - and hopefully £80 cashback through tcb too!

    Christmas - one tiny part of a gift bought today

    Get Ready Checklist
    1 - Health - vitamins not yet taken today so still 4/31
    4 - Maintenance - need to contact plasterer & electrician by 10/10. (Have mentioned it to electrician's wife - mum at school - but need to do it properly) OH has messaged plumber we used for bathrooms before - fingers crossed he still has the same email.....
    Have messaged plasterer (03/10) - no reply as yet and I phoned plumber (03/10)- no longer trading so now need to find a plumber....

    * fab chat with OH's cousin - really enjoyable!
    * sunny weather = line dried washing
    * OH is back tonight
    * yummy YS duck
    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) £1068.37/£4000
    Net sales 2018 £522.39/£1000 PAYDOX18 (#15) £18564.38/£18918.90
    • laurenh1
    • By laurenh1 5th Oct 17, 4:22 PM
    • 496 Posts
    • 5,229 Thanks
    sounds like everyone is doing really well.

    I Found out today that I am due a little refund off something (53 pounds) so I shall stick that in savings when it is through. I have a little bit of money not budgeted for through selling some of my boys toys, so I am going to put that towards a fun day out towards the end of the month...

    Mac and cheese for my boys for tea tomorrow, nice and cheap. Must must do a meal plan this weekend for the week ahead
    • DawnW
    • By DawnW 5th Oct 17, 7:02 PM
    • 5,057 Posts
    • 39,924 Thanks
    Day 5:
    Managed another NSD, updated signature
    Using food we already have in
    Didn't manage much in the way of exercise today, as I had work to do - unless carting boxes up and down stairs and up and down the garden counts
    Did some housework though, and I can now see my dining room again
    Listed more things on ebay
    Did an online survey
    NSDs for June 10 / 10
    Groceries / cleaning / toiletries / pet food etc £227.30 / £250
    Fuel 99.95 / £100

    • determined new ms
    • By determined new ms 5th Oct 17, 7:19 PM
    • 6,859 Posts
    • 40,212 Thanks
    determined new ms
    Day 5:

    Didn't manage much in the way of exercise today, as I had work to do - unless carting boxes up and down stairs and up and down the garden counts
    Did some housework though, and I can now see my dining room again
    Did an online survey
    Originally posted by DawnW
    I think it totally counts! And also the HW. I much prefer exercising in line with my life - got to walk somewhere then power walk

    SFD 2/15 although have only kicked the can down the road as need to get bread and milk tomorrow...

    exercise wk 1 3/4 went for a walk in my lunch break

    use it up - portion of curry out of freezer for tea. Oh will have ys pie out of the freezer too used recycled birthday bag for fil's gift

    Be kind: opps didn't really register this. So apart from my usual kind self I haven't put much effort into this. I'll be especially kind when oh gets home Oh yes actually madam told a fib earlier and got upset and told me. I was very gentle on her, said I knew she had fibbed but I was very proud of her for telling the truth

    time for self (still keeping this!) walk at lunch and have been doing some knitting. Will do more after madam goes to bed. Might also make some beeswax wraps

    Organise: none. Might do a drawer after putting madam to bed

    one more time: listening to audio book - one of my goals was to read more. Not going to get to target so am including audio books

    extra income: none today but yesterday received email we will be getting 3% inflation payrise this month. Works out £25 for me - I earn a pittance! - but am including it for this month. did 85p on onepoll yesterday

    Christmas I only have 3 more gifts to buy and make scones & shortbread. Still have to make slow gin and damson whiskey
    DF as at 30/12/16
    Wombling 2017 £3016.55/Roadkill £8.73
    Wombling 2018 £145.73/RK £0.04
    • apple muncher
    • By apple muncher 5th Oct 17, 7:22 PM
    • 7,388 Posts
    • 55,655 Thanks
    apple muncher
    Today I am grateful for lovely bus drivers, for the daily oyster cap meaning I could catch 7 buses for £4.50, for friendly work colleagues, for not getting wet today, for laughter with my y9 class, for hugs from dd, for dh getting a much needed restful day, for getting an appointment through that I wanted, for dhal, for my washing machine.
    NST June Odyssey #20; NSD 11/15; Ex 9/20 ; craft / (69); remove 54 (433)
    2018 Pay off: £2110; 2
    018 sell £44.20

    Mortgage £21,033 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Kerry Woman
    • By Kerry Woman 5th Oct 17, 7:25 PM
    • 2,352 Posts
    • 22,823 Thanks
    Kerry Woman
    Day 5
    Managed another NSD - 5/20.
    Took my lunch into work and walked 20 minutes.
    Read my book on bus and in the staff room - before starting work and at lunchtime.
    Used food etc already in.
    Grateful for:
    The birds singing on a short way to and from work.(were in bushes/trees).
    Sitting opposite the window in staffroom and seeing the autumn leaves on a tree. Lovely colour.
    Getting a free tester of a sugar scrub from someone who I usually meet at the bus stop in the morning. Gave her information that I found out about craft fairs in local area.
    Getting quite a few done/completed in work.
    Had managed to get rid of some paperwork in work to different people. Tray nearly empty.
    Getting my 8 year badge of being part of the MSE forum.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST June 2018 A June Odessey(Staycation) NSD 13/20
    • thriftylass
    • By thriftylass 5th Oct 17, 7:32 PM
    • 3,335 Posts
    • 27,351 Thanks
    Productive afternoon/evening. Borrowec a bike from a friend for the race on Sun and cycled that home.

    Did 2 surveys.

    Chopped and froze some apples and the rest is stewing for Apfelmus (apple puree desert thing).

    Today I'm incredibly grateful for healthy children.
    NST June
    SFD 13/20 spends 738 (incl some from savings for festival etc)/480
    Exercise 11/20
    Debt - all 0% 1015 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 103541 (05/18) OP 0
    • Lauralozzle
    • By Lauralozzle 5th Oct 17, 7:48 PM
    • 560 Posts
    • 4,955 Thanks
    Sorry for the silence, I've fallen asleep on the sofa the last two nights so have not had time to update.

    Both Tuesday and Wednesday were NSD. Im now on 3/15. Today has not been NSD as we've used the entertainment budget for takeaway as got home late.

    I've brought lunch with me all week so no unnecessary spends on packed lunches. The heating is still not on but it is getting decidedly colder now and I'm not sure how long I can hold out!
    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
    • DebtFreeDuo
    • By DebtFreeDuo 5th Oct 17, 7:49 PM
    • 814 Posts
    • 4,184 Thanks
    Day 5

    Done a little better today although I did take the day off uni.

    NSDs: 3/15 NSD today
    Exercise: Cycling - 1/12
    10k steps - 3/22 went for a walk today to try and clear my head and also hit my 10k
    Food: 15.58/100
    Extra Income: 61.84/150 finally got some extra income in the form of ebay and a voucher from surveys. Have also got around £6 from PA already! Very impressed so far.
    Debt free by Christmas 2018 #004: 2565.82/7445.69
    £2018 in 2018 #25: 674.21/2018
    SPC 586
    • Scrimps
    • By Scrimps 5th Oct 17, 7:52 PM
    • 205 Posts
    • 896 Thanks
    Scrimps - can you point me in the direction of easy vegan recipes please. My niece is vegan and it's her 21st later this month. I want to give her a nice notebook with some recipes hand-written in, super easy ones without a gazillion ingredients or too much prep. Ta muchly.
    Originally posted by apple muncher
    Im sorry I completely missed this post. Im very sorry, I cant help with recipes because I dont really do the cooking - my DH does most of the cooking and I dont eat vegan. Neither does he actually - he doesnt eat meat or dairy - he does eat fish and eggs. I try to make sure I dont reference him as a vegan but sometimes it slips out so sorry if I put that by mistake at some point.

    Someone referred to Jack Monroe/ cooking on a bootstrap (in another post I have only just seen!)- I would second that for recipies without lots of ingredients but are still good. I look at it for myself but DH just cannot get on with beans or lentils - hence still eating fish. Eggs are considered OK because we get them from the farm and know the conditions the chickens that lay them are kept in etc.
    I find the Jamie Oliver site and BBC good food pretty good but you do sometimes have to trawl for meals with a short ingredients list - I often find some then just send them to DH, he then cooks them and remembers them The longer we're together the less cooking I seem to be my defense I do nearly everything else.
    • Scrimps
    • By Scrimps 5th Oct 17, 8:05 PM
    • 205 Posts
    • 896 Thanks
    Number 36
    -Organise:nothing - had my haircut after work so only just finished eating dinner and have sat down now.
    -Regular: Still £115/200.
    -Get ready for winter: Nil
    -Always be kind think I managed this, I was very kind the the newbie hairdresser/trainee who didnt know what she was doing
    NSD: 1/20 - went to hairdressers (£21 - I go to the college). Bought my mums pressie and a couple of greetings cards.
    Improvise: nothing yet
    Stoptober: Managed to not compulsively look at YNAB/mortgage overpayment calc again
    Exercise: 1.5 mile uphill walk to work
    Christmas: Present and card bought for mums bday, just need to remember to send it in time!!
    Banned: stuck to this today. Despite walking past the bakery who were selling everything cheap just before closing, with cash in my pocket and a very empty tummy!! (waited til after haircut and I got home and stuffed myself with 2 lots of choc spread on toast whilst waiting for dinner though)
    Extra Income. managed 2 onepoll surveys at lunchtime. They rarely seem to be suitable for me but at least got a couple done.
    • Shelbi
    • By Shelbi 5th Oct 17, 9:36 PM
    • 715 Posts
    • 1,723 Thanks
    day 5/31-

    No NSD today, had Team lunch with work (pretty unavoidable) did get 50% off though...

    Stoptober-No smoking - managed another day 3/31...

    Exercise and Christmas- More work needed on both of these.

    Grateful- Flowers from OH, sunshine, generally happy feeling kept all day...

    Food- Nothing changed here haven't topped up yet budget still £62 odd remaining.

    Improvise- nothing done here.

    Extra income- nothing to add

    Save for xmas-£14/£365
    Emergency Fund- £3,000/£5,000£3,000 (revised amount)
    House Deposit- 0/£15,000.
    June'18- NSD- 10/20 Bring Lunch to work 8/20
    make-£5pd in June- £30.11/£155
    • f0xh0les
    • By f0xh0les 5th Oct 17, 9:46 PM
    • 1,488 Posts
    • 12,369 Thanks
    Need some kind of motivation to sort and tidy house ready for a friends visit next weekend!
    Originally posted by Tea&Kittens
    Argh! They are coming next weekend!!!!

    That should sort it.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999
    June 105,999.99
    NEXT GOAL is sub £105k before JulyMortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 5th Oct 17, 10:08 PM
    • 1,488 Posts
    • 12,369 Thanks
    Still only on 1/15 NSDs

    Ran out of laundry powder with a lot of muddy school trousers to be washed, so pretty necessary. Ended up doing 4 load today. Spent under £10 in Ald1

    Exercise -Moved a lot of furniture - shunted a tumble dryer into the kitchen through three rooms- moved all the furniture back. Job done. Perversely I ache more now, sitting on the sofa, than I do after a session at the gym.

    Be kind - fixed a photo frame of DS2s after he broke it having a tantrum.Did not read him the riot act. remained calm and told him he was being silly and when he was willing to act his age he could come and find me and talk about whatever it was he was protesting about. Tantrums are soooooooo boring.

    More little annoying no spend jobs done, and a lot of stuff sorted for the CS pile. Broken storage boxes binned, Half empty storage boxes added to other half empty storage boxes. Put DHs camping stuff away. He has been back for 3 weeks and only emptied his car into the back room yesterday. All put away for him.
    (Also being kind, and not resentful - well, trying not to be resentful) Anyway I am glad it is all out of sight, and I know where it all is, and I am not falling over it every time I go into the kitchen. Yay!

    More tomorrow, onwards!!
    Last edited by f0xh0les; 05-10-2017 at 10:08 PM. Reason: being a muppet
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999
    June 105,999.99
    NEXT GOAL is sub £105k before JulyMortgage-free wannabe 2018 #65
    • mothernerd
    • By mothernerd 5th Oct 17, 10:34 PM
    • 2,438 Posts
    • 25,444 Thanks
    apple I love your gratitude list but deny all responsibility for your knickers falling down.

    DawnW well done on ebaying and surveys. Yes carrying boxes is exercise.

    fruitloop04 so glad your sister is getting better.

    misstara 21,000 steps, wow.

    ilovetea thanks for the kind words. It only sounds like a lot because I have to keep concentrating on what I have done instead of the things that still need to be tackled.

    sashanut children will get to your vulnerable points every time.

    Bizzie one of our cat's could open the door by stretching and pulling the handle down.

    laurenh1 glad you are enjoying turtle life.

    Purplebonnie impressive total for extra income.

    Chasing Sunshine good luck with your move.
    Last edited by mothernerd; 05-10-2017 at 10:40 PM.
    This year I will be fierce
    NST Jun #1 SFD 9/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £31.50/£30 bought clothes
    No Debt No mortgage
    • mothernerd
    • By mothernerd 5th Oct 17, 10:40 PM
    • 2,438 Posts
    • 25,444 Thanks
    thrifty so glad hubby is finally getting on board.

    moneysavingfamilycomp excellent planning for your holiday.

    Tea&Kittens shove everything lying around into a large cardboard box and hide it, clean the decluttered house then when you have time, sort through the box.

    greent impressive ys bargains.

    determined new ms well deserved angel wings.

    Kerry woman what a lovely day.

    Lauralozzle I totally get the sleeping.

    DebtFreeDuo well doen on the extra income.

    Scrimps always hang on to a man who cooks (or is good with his hands).
    This year I will be fierce
    NST Jun #1 SFD 9/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £31.50/£30 bought clothes
    No Debt No mortgage
    • mothernerd
    • By mothernerd 5th Oct 17, 10:44 PM
    • 2,438 Posts
    • 25,444 Thanks
    Shelbi feeling happy should never be underestimated.

    f0xh0les angel wings for you too.
    This year I will be fierce
    NST Jun #1 SFD 9/10 Food £116.70/£120 Travel 14.50/£15 Ent/diy £31.50/£30 bought clothes
    No Debt No mortgage
    • ilovetea
    • By ilovetea 5th Oct 17, 10:57 PM
    • 863 Posts
    • 6,663 Thanks
    Quick post before bed time.
    Posted every day.
    5 NSD.
    Eaten up all the leftovers from Sunday. Have some salad stuff and some jacket sized pots to use,so that's tomorrows meal sorted.
    Managed to finish a knitted hedgehog I started before I went away,
    I was given a "dimond embroidery" kit. Nothing to do with diamonds and not embroidery! It's placing little gems on fabric.So relaxing.
    Will need some shopping soon but nothing urgent so making a list.Tissues and batteries at the moment.Allexciting stuff

    ilovetea xx
    #10 Make £2018 in 2018. £743.27
    • sashanut
    • By sashanut 5th Oct 17, 11:47 PM
    • 2,834 Posts
    • 26,255 Thanks
    No 6 checking in
    Hi all!

    Got up very late today, did not set alarm as no need...whoops! Do find it hard to get going if I overlay...

    NSD today:3/15

    Organise: Managed to get down cellar, spent about an hour. Astonished to uncover a plastic box hidden under all the other crud, which contained yet more items...mainly vinegars etc but all will come in useful..took second set of shelves down, carried outside & brushed clean. Now need to paint the wall where they stand, then they can go back..

    All meals HM & from stores, lunch lentil bacon & tom soup & pasties, supper spatchcock chicken, potato salad, sweetcorn, rice & peas & green beans. Apple turnovers, dh final piece of his birthday cake

    Food budget: £137.44 /250

    Be kind: tried my best although patience not my virtue, especially when found DH left a tissue in trousers pocket & white bits all over DDs uniform...grr

    One more time: Still sticking to SW

    Extra Income: none so far

    Christmas: still socking along for Christmas

    Exercise: Up and down cellar steps with shelves, lots of crud thrown into bin. Lovely sunny day so cut all back garden grass, quite the job this is.

    Heating: still off

    Grateful for: Lovely sunny day

    Happy animals running around outside

    progress on clearing

    DH taking DD to Asda so I didn't have to, therefore spent no money..
    New start JAN15 - NOT BUYING IT 2015 . Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE
    • bizzie
    • By bizzie 5th Oct 17, 11:53 PM
    • 164 Posts
    • 1,971 Thanks
    Organise - Meal plan on schedule and using up food in fridge for lunches and dinner.
    NSD another one under my belt
    Stoptober - avoiding the snacks even the birthday chocolates someone bought into work
    Exercise - making the most of the dry parts of the day and walking

    Christmas - started to give some thought to it and picked up the M&S food catalogue to get some ideas re food
    Extra Income - completed some surveys holding off cashing them in for as long as possible
    Report - achieved every day so far
    Groceries 220.22/300.00 Personal Spend /100.00
    NST June #25 NSD 15/15 @23/06/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
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