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  • FIRST POST
    • apple muncher
    • By apple muncher 25th Feb 18, 2:49 PM
    • 7,295Posts
    • 54,965Thanks
    apple muncher
    NST March: Marching to a different beat
    • #1
    • 25th Feb 18, 2:49 PM
    NST March: Marching to a different beat 25th Feb 18 at 2:49 PM
    NST March: Marching to a different beat


    Join the NinjaSavingTurtles, named after our leader and inspiration NinjaSavingKat, and march to a different beat. Your own beat. No more following the crowd. No more keeping up with the Joneses. No more paying the banks extra money for the privilege of having borrowed from them.


    March. The month of daffodils and the arrival of Spring. The equinox and altering the clocks. Preparation for Easter. St Patrick’s day. Pi day. Spring cleaning. But, most importantly of all: MARCH MADNESS.


    What you will do with your money, your time and your energy this month will seem like madness to those who are still caught up in the maelstrom of consumerism. But Turtles are tough and stand proud against the ‘norm’. They swim against the tide. Turtles always take their lunch to work. They rack up NoSpendDays (NSDs) like they are going out of fashion. They eschew takeaways and big chain coffee shops. No vending machine has their fingerprints on it. They note down every single little spend in the notebook that would have to be surgically removed from their grip should they ever need hospital treatment. They look after themselves – financially, physically, mentally, spiritually, emotionally. They have BIG GOALS. They dream of FIRE (Financial Independence, Retire Early). They read blogs by other frugalistas to gain more inspiration. They share the lows and highs on here, posting every day. They are grateful for what they have.

    The non-negotiables:
    • · The challenge runs from March 1st to March 31st
    • · For the striders: 18 NSDs; for the plodders: 15 NSDs (you can keep an NSD if the only thing you buy is fuel, medication, reduced items or paying for weekly or random activities [set the money aside for these at the start of the month])
    • · Set your budgets before the challenge starts (food, bills, travel, activities, repayments, holidays, treats, clothing, pets, savings)
    • · Be generous – there are many who are far worse off. Do not forget to give to your choice of charity.
    • · Note down every single spend in a notebook and analyse where the pennies go
    • · As ever, always take your lunch to work, and drink and snacks when out and about
    • · Pay towards your debt first! This is imperative. You have your debt free date in mind (You do, don’t you?!?!). So calculate how much you need to pay per month to reach it - and pay that first. Live off the rest. Simples.
    • · Plan. Look ahead to the month and what your commitments are. Are you working late and therefore unlikely to feel like cooking when you get home? Make sure you have a portion or two of homemade ready meals in the freezer.
    • · Check in every day.

    So onwards and upwards we march.
    Every step counts.
    We move with purpose.
    We know where we are heading.

    Who is with me?

    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
Page 13
    • bizzie
    • By bizzie 6th Mar 18, 11:41 PM
    • 158 Posts
    • 1,889 Thanks
    bizzie
    Check in 6/31 and still on NSD #5/18 as went food shopping but stuck to my list.
    Grateful for family & friends and the opportunity to get together.
    Groceries 240.32/300.00 Personal Spend 4.50/100.00
    NST May #22 NSD 13/19 @22/05/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • laurenh1
    • By laurenh1 7th Mar 18, 9:06 AM
    • 473 Posts
    • 4,959 Thanks
    laurenh1
    Good morning lovely turtle-

    Today is a spendy day- in desperate need of pet food which is a big expense but doesn't come round very often. We also needed fruit, milk , salad etc. hoping tomorrow and Friday and Sunday will be SFDs and get me to my goal of 5 by next week.

    Budgets
    £820 EF
    £60 Fuel
    £700 Paris
    £110 spends

    My house is a little upside down due to the new bed arriving late in the day but I can't realistically sort this out until Sunday/Monday as I am either at work or away. I need to remember that these jobs will get done and it is not worth getting stressed about.

    When I was in Aldi there was a lady who didn't have enough for her half price pasty and needed 5p (I didn't give it to her as another lady did- I was going to) and it made me remember that actually we are so so lucky.

    Have a lovely day Turtles
    • archwaysaver
    • By archwaysaver 7th Mar 18, 9:07 AM
    • 35 Posts
    • 312 Thanks
    archwaysaver
    Planned spend day yesterday, did a bit of grocery shopping for the week and bought a coffee at Pret (49p filter with reusable cup). Still within budget although groceries are creeping up a bit. Bought a lot of tinned tomatoes and onions which always go a long way!
    Bring lunch to work March: 5/13
    NSD March: 6/18

    Goal by Sept 2019: £20,100
    So far: £3,749.89
    (tuition £1,920/4,100, cushion £456/1,000, dream £1,300.44/15,000)
    • thriftylass
    • By thriftylass 7th Mar 18, 10:29 AM
    • 3,312 Posts
    • 27,096 Thanks
    thriftylass
    Hello,

    better day today. Cancelled the gym class this morning and now just rebooked it. Up for it today.

    Might be a NSD today. Never baked any bread last night but got some in the shop as it was a SD anyway.

    catch up later
    NST May
    SFD6/20 spends 294/400
    Exercise 4/15
    Debt - all 0% 1010 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 104915 (02/18) OP 0
    • LavenderBee
    • By LavenderBee 7th Mar 18, 1:31 PM
    • 270 Posts
    • 1,260 Thanks
    LavenderBee
    NSD 4/18 for me. Tomorrow is a planned spend day, going grocery shopping in Lidl. I'd love the total to be under £25 but I've needed to add some extra snacky bits for me to the list. Having a 'constantly hungry' few days (appears to happen when baby is having a growth spurt) and 100 calorie cereal bars are not doing the trick. Going to get extra cheese to make some 'snack packs', an extra tin of chickpeas to make hummus (because I have an obligatory jar of tahini that only sees the light of day on high days and holidays in my cupboard) and a larger box of eggs so I have some for hard boiling. Gives me some options and should stop me running out for chocolate bars and crisps (which I could so happily do right now!).


    Found myself looking at vegetable seeds, as you may do at this time of year, B&Q do some good ones for 50p a packet. But I'm wondering if I *really* want to be faffing around with these things when I'm at full term, which I will be by the time some need planting out, thinning etc. Probably not, just something that seems like a good, thrifty, idea at the moment! I did well from a pack of 50p mixed lettuce seeds last year.


    Grateful for:
    - Colleagues making all the tea today
    - This thread, feeling very in control of my spending The NSDs are making me think harder about whether I want to lose one before spending. Even if I save a purchase so I buy it the day I need to get groceries anyway, at least I will have had some time to think about it and be confident in my choice
    - The weekly email blast for pointing me to the save water website, I have ordered some good freebies.
    • Calling14
    • By Calling14 7th Mar 18, 2:10 PM
    • 2,703 Posts
    • 19,750 Thanks
    Calling14
    Confession time. I was hungry this morning so ate my egg butties before 11am. I blame the fact I only had mushrooms on toast for tea.(no oven still) So then I went in search of a lemon bun cake, probably at least 2k calories for all the cream and it cost £1.60 for 1 cake.

    I needed milk today so haven't lost a NSD because of the bun just few more lbs on me. Also bought a plant for a friends birthday but have to confess to liking it a lot. By next week it could be planted in my garden. Helleborous to you gardeners.

    Anyway otherwise paid £20 off my debt now hit 4k level.
    Nothing else to report did 13k steps yesterday but my knee sore today.

    Raphael - it is always harder for the families than the patient. Look after yourself as well, giving out extra hugs can be demanding on your health.
    Abundant - Keep going sometimes dementia patients can surprise you. Hugs you have a tough road ahead.
    LBM 13039 1.1.13 Start 2018 £5552 NOW £3112
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 £2440/£5552 DFD 12/18
    E
    Fund #9 £220/£1,000
    1 x 100 days challenge
    £865/£2550

    • indigowarrior
    • By indigowarrior 7th Mar 18, 3:17 PM
    • 517 Posts
    • 3,740 Thanks
    indigowarrior
    Today was a spend day. I went and did my grocery shop. Bought 3 things that were reduced (Trifle!) and a few things that wasnt. I was very happy to resist on buying a brand new mobile phone! I am not sure how much longer my present situation can continue though. My main phone is sold old now that whilst it doesnt have internet capabilities it does struggle to do much.
    #545- SPC/ Frugal Living Challenge May NSD 4/19 Emergency Fund £4.30/£1000
    • Toni'sfriend
    • By Toni'sfriend 7th Mar 18, 4:12 PM
    • 1,246 Posts
    • 12,134 Thanks
    Toni'sfriend
    Hi Turtles
    Confession time. I was hungry this morning so ate my egg butties before 11am. I blame the fact I only had mushrooms on toast for tea.(no oven still) So then I went in search of a lemon bun cake.
    Oh, Calling. If I had a pound for every time I've done something like that. Made me laugh out loud.

    The boy went to work this morning and was promptly sent back home. He's feeling mega sick and dizzy so I'm wondering if the antibiotics are not to blame and it's maybe a bug or an ear infection or something like that. We'll see how he is tomorrow but I think another visit to GP might be called for.

    C has gone to meet his friends as per usual on Wednesdays. It as cancelled last week because of snow and will be next week as well as we're away for a few days. I stayed in and the kitchen is now sparkling. Actually it's not but it certainly looks better than it did. NSD No 7.

    I have to go out tomorrow. Appointment at the Health Centre for asthma check. Also need to post a letter (to Germany so don't have the right stamp available). Birthday card stash needs topped up if Card Factory have 10 for £1.00. There is still food in the freezer but could really do with stocking up with mince and chicken breasts. Let's hope Icyland have some YS. I'll make a list as I'm sure we'll need milk and bread within the next few days as well. Since it's going to be a spendy day anyway I think I'll have a look at energy saving bulbs as well (yet another one went yesterday).

    Really enjoying Day of the Jackal. Think it will be finished by the weekend.

    Have a nice MSE day.
    • thriftylass
    • By thriftylass 7th Mar 18, 4:17 PM
    • 3,312 Posts
    • 27,096 Thanks
    thriftylass
    I think I'll have a look at energy saving bulbs as well (yet another one went yesterday).
    Originally posted by Toni'sfriend

    The kids have broken three in the last few months in their room, bashing sth off the ceiling pendant light. At over 3 quid a pop I'm now tempted to leave them without a light for a while if they break the next one.
    NST May
    SFD6/20 spends 294/400
    Exercise 4/15
    Debt - all 0% 1010 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 104915 (02/18) OP 0
    • apple muncher
    • By apple muncher 7th Mar 18, 5:09 PM
    • 7,295 Posts
    • 54,965 Thanks
    apple muncher
    What you do every day matters more than what you do every once in a while
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Jonesy88
    • By Jonesy88 7th Mar 18, 7:36 PM
    • 942 Posts
    • 3,686 Thanks
    Jonesy88
    Declaring a spend day of £1 for the work lottery.

    I did however return some items to New L00k for a £30 credit note so that'll be a nice little treat in a few weeks - I don't need anything atm.
    DF by Xmas 2018: #83 £1,500/£15,000 10%
    SPC 7: #135 | VSP 2018: #23 £1.60 | MFW 7.78% | NSDs 0/15
    • abundant1972
    • By abundant1972 7th Mar 18, 7:47 PM
    • 1,227 Posts
    • 9,215 Thanks
    abundant1972
    Evening all...

    Had a great day. It was a planned spend day as needed to do a shop. I am now well and truly stocked up with milk for the month... Eggs galore... freezer is full and fridge bursting. Should keep me going for a bit...

    Mother's day coming up so think we are doing a small buffet... Need to budget that one in. Have a card already so hopefully can do reasonably cheaply as splitting between siblings. Might do some homemade brownies

    Got to the gym and always feel so much better for it. Really enjoying getting fitter again. Signed up to Shelter (homeless charity) tonight from next month. I can't imagine what it'd be like to have no roof over your head... so it feels like a worthwhile cause.

    That's me for tonight. Have a great evening all... x
    Ask do I 'want' or 'need' this before I spend
    Follow your heart & be true to yourself always
    Help To Buy ISA = £6046.13. EF = £2500/£4500
    NST : NSD=0/18 : Food & Spends=£0/£200.00
    Exercise : Joe Wicks 90 Day SSS Plan!
    • Kerry Woman
    • By Kerry Woman 7th Mar 18, 7:54 PM
    • 2,316 Posts
    • 22,444 Thanks
    Kerry Woman
    NSD today 4/18
    Was off work again today. Told agency I will go back to work on Friday.
    Grateful for:
    Managing to change my bedsheets/pillow cases and washed the other ones.
    Received the refund from the policy I took out for the cooker. Not the full amount I paid for it, but at least received for most of it.
    Got a phone call from someone who went to the same church as I did. Had a nice little chat.
    Opened the windows as it was nice weather.
    Resting throughout the day.
    Last edited by Kerry Woman; 07-03-2018 at 8:14 PM.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST May 2018: May the odds be ever in your favour! NSD 20/19
    • f0xh0les
    • By f0xh0les 7th Mar 18, 7:57 PM
    • 1,410 Posts
    • 11,567 Thanks
    f0xh0les
    I have an obligatory jar of tahini that only sees the light of day on high days and holidays in my cupboard.
    Originally posted by LavenderBee
    https://food52.com/blog/17752-10-things-to-make-with-tahini-that-have-nothing-to-do-with-hummus

    or there is always halva!

    Now if only m-i-l's chutney mountain was as versatile
    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
    NEXT GOAL is sub £105k before JulyMortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 7th Mar 18, 8:03 PM
    • 1,410 Posts
    • 11,567 Thanks
    f0xh0les

    Anyway otherwise paid £20 off my debt now hit 4k level.
    .
    Originally posted by Calling14
    Sounds like a fantastic reason for a bun
    Congratulations
    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
    NEXT GOAL is sub £105k before JulyMortgage-free wannabe 2018 #65
    • f0xh0les
    • By f0xh0les 7th Mar 18, 8:18 PM
    • 1,410 Posts
    • 11,567 Thanks
    f0xh0les
    Today is NSD 6. Tomorrow is a planned spend day.

    Have to take a refund cheque to town (from remortgage legal people - they borrowed more than was strictly necessary, just in case they needed to pay more in interest if it took longer than expected) so will pay that in, and will need £1 parking and 8 litres of milk for the weekend.

    So quite a small shopping list.
    Might trawl a few c/shops on the way -need another pair of jeans and a jumper.

    Millions of school meetings and parents evenings coming up. So dull, such a waste of time,, they never run to time, and so hard when you are juggling 3 other kids! h well, at least I will be able to hit the YS aisle at the right times.

    All budgets looking ridiculously good so far (fingers crossed)

    See you all tomorrow
    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
    NEXT GOAL is sub £105k before JulyMortgage-free wannabe 2018 #65
    • apple muncher
    • By apple muncher 7th Mar 18, 8:21 PM
    • 7,295 Posts
    • 54,965 Thanks
    apple muncher
    Today I am grateful for cheerful pupils, for a good chat with colleagues, for being able to walk the extra mile required when roadworks scuppered the bus journey (in that extra mile, I overtook the bus that was scheduled 15 mins before the one I got off!), for a quick journey home, for dd meeting me off the bus, for dh announcing that we should do one veggie meal per week, for dd making her friend's bday present.

    X_raphael_xx hugs to you and yours.

    Kerry Woman -glad you have taken time off to look after yourself.
    NST May #1; NSD 14/19 ; Ex 17/20 ; craft 3/30 (66); remove 31 (402)
    2018 Pay off: £1626; 2
    018 sell

    Mortgage £21,422 (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 7th Mar 18, 9:04 PM
    • 5,007 Posts
    • 39,480 Thanks
    DawnW
    Spendy day today, in fact spendy month, as we are having to help a relative out
    Monthly donation to the food bank done today


    • x_raphael_xx
    • By x_raphael_xx 7th Mar 18, 9:26 PM
    • 3,540 Posts
    • 18,450 Thanks
    x_raphael_xx
    Raphael - it is always harder for the families than the patient. Look after yourself as well, giving out extra hugs can be demanding on your health.
    Originally posted by Calling14
    I have endulged in an entire can of rice pudding with a large blob of strawberry jam this evening. Which has cheered me up a little.
    Went to boxing tonight, wasn't really in the mood for it, but I went.

    • · For the striders: 18 25 NSDs 6/25 No spend today.
    • · Set your budgets before the challenge starts. All going to plan
    • · Be generous. There are many who are far worse off. Do not forget to give to your choice of charity. Donation in the bag ready for Saturday.
    • · As ever, always take your lunch to work, and drink and snacks when out and about Home for lunch, fancied a cheese & ham sandwich.
    • · Pay towards your debt first! Done
    • · Plan. Look ahead to the month and what your commitments are. Mum down Thursday tomorrow! Photo session Sat. Coffee date with a couple of friends. Maybe a trip to Bristol Zoo.
    Debt Free as of 17/01/2009 Turtle Power!!
    May NSD's - 13/19 / Lose weight 11.2 lbs / 50 lbs
    EF Challenger #36 £139.93/£1800
    • LavenderBee
    • By LavenderBee 7th Mar 18, 10:25 PM
    • 270 Posts
    • 1,260 Thanks
    LavenderBee
    Thanks f0xholes - I have used tahini as a "for God's sake let's just use this bloomin jar up" pasta dressing once. I wasn't too keen...

    I didn't even buy it - it was a freebie, yet it just sits there mocking me. Having realised Lidl's chickpeas are only 33p a tin I will regularly make cheap hummus until it has gone.

    Alternatively I'll swap it for some of MiL's chutney(!) We do get through chutney between the two of us!
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