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    • apple muncher
    • By apple muncher 25th Feb 18, 2:49 PM
    • 7,277Posts
    • 54,783Thanks
    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 14
    • Debtfreewannabme
    • By Debtfreewannabme 7th Mar 18, 10:44 PM
    • 103 Posts
    • 771 Thanks

    Today has been a planned spend day. Budgeted £17 for meals and we spent £8.91 inc city centre parking at £6 ( the savings from today have gone towards debts). I looked at the last time we went to the same place and we spent over £85! It's shocking. We found out we will be getting a rebate in DH wages on Friday. We have decided to put it towards our debts and it has shaved a whole month off our DFD. £308 CC overpayment made today too.
    Today I am thankful for my beautiful little family, for my very supportive DH, extended family and friends I can be real with.

    Its really great to be part of this forum. There is something special about sharing experiences, reading others and just being encouraged to keep focused on the goals ahead. Early start tomorrow so must get to bed. Hope you all have a great day tomorrow. NSD planned for me x
    • bizzie
    • By bizzie 7th Mar 18, 11:48 PM
    • 158 Posts
    • 1,885 Thanks
    Check in 7/31 NSD #6/18.
    Working through contents of cupboards to minimise shopping required.
    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 :
    • archwaysaver
    • By archwaysaver 8th Mar 18, 12:19 AM
    • 35 Posts
    • 312 Thanks
    Unplanned spend day today - only 49p on another Pret coffee with a friend I wasn’t expecting to run into, so fully worth it. Back on track tomorrow I hope!
    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)
    • Fmess
    • By Fmess 8th Mar 18, 6:00 AM
    • 2,702 Posts
    • 25,899 Thanks
    Morning all,

    Spendy day yesterday, £1 at SW for a raffle ticket and I won. Got 5 hot chocolate sachets, a huge bag of mini marshmallows and a tall hot chocolate glass and spoon

    Not much else happening apart from work and dog walking.
    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
    • dolly84
    • By dolly84 8th Mar 18, 8:43 AM
    • 3,838 Posts
    • 35,609 Thanks
    Thick snow here again this morning, it started about 6am, DH went to work before it came but school is closed so two happy kids today.

    My grocery shop came yesterday so we are fully stocked now. Not much else going on today, cycled yesterday and am really glad I did now, it is killing me each time because I can't get out regularly due to the weather.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • laurenh1
    • By laurenh1 8th Mar 18, 9:07 AM
    • 469 Posts
    • 4,921 Thanks
    Good morning lovely turtles-

    Had a good sort though of my kids toys last night. Been quite brutal but will take the boot load to charity shop later. I hang onto things because they loved them once upon a time or because they were a gift or expensive and sometimes I need to move past this.

    Hub is off to the pet shop later as he has a £5 voucher. annoying as we have just stocked up. but it will be used either way. My M&S voucher has had the £5 loaded on to it too so I now have £9 to spend there. will use that next week.

    Budgets still the same £820 EF, £700 Paris, £60 Fuel, 110 spends I know I'm getting Euros off my Mam for my bday, wont be loads but might put it back in Emergency fund as keen to get it to 1k and I can't see me spending more than 700 quid for 3 days. seems a tad excessive!!

    Snowing here again today- booo!! Over it now. I have things I need to be getting on with lol, Hurry up Spring.

    I hope you all have a lovely day
    • thriftylass
    • By thriftylass 8th Mar 18, 9:26 AM
    • 3,311 Posts
    • 27,089 Thanks

    Had a good sort though of my kids toys last night. Been quite brutal but will take the boot load to charity shop later. I hang onto things because they loved them once upon a time or because they were a gift or expensive and sometimes I need to move past this.
    Originally posted by laurenh1
    That'll be me this weekend too. DH is away and it is forecast to rain most of Sat so I'll sort through the kids clothes and toys.

    Just finishing off an Asd@ order. As I won't have the car I won't get a chance to do the big shop otherwise. It's been revised three times and will be once again today to get the best value etc as it is a bit dearer than my usual shop.

    EDIT: amended the order one final time, printed it out and made a lunch and dinner plan. Didn't order bread this time but flour and yeast. Will try a normal white loaf again and some flat bread to have with the curry on the list.

    Got a wee night out with a friend tonight. She got a deal on itis0n and I will take my voucher that I won in a raffle. As it's a school night I will be going home early enough to catch a bus rather than a taxi.
    Last edited by thriftylass; 08-03-2018 at 11:19 AM.
    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
    • Debtfreewannabme
    • By Debtfreewannabme 8th Mar 18, 11:51 AM
    • 103 Posts
    • 771 Thanks

    A spend day again as paid £87 towards CC. Feeling nervous but tomorrow we will be clearing the over £2k balance and reducing the credit limit. This will mean that we will be debt free by next month. I cant describe the feeling of freedom I feel already. We have agreed to deduct £500 from the EF balance as we just want to debt gone.
    • Debtfreewannabme
    • By Debtfreewannabme 8th Mar 18, 11:54 AM
    • 103 Posts
    • 771 Thanks
    Lauren I hang onto my childrens things too. I do really need to have a sort out. I find it really hard though as I relive the memories I had of them playing with them and then convince myself I'll regret it if I donate it!
    • laurenh1
    • By laurenh1 8th Mar 18, 12:44 PM
    • 469 Posts
    • 4,921 Thanks
    Thrifty &Debtfree Glad it isn't just me. All my eldest's stuff gets passed on but then once my younger son is finished with things, I just keep hold. I also never throw away art work, I will if its like a scribble on a piece of paper but if they come home from nursery with anything or if we make anything together I keep it and store it away, Hub thinks I should have a system where I chose only very special stuff.. but it is all very special to me. Yesterday I cried actual tears because my little one is now out of his cot and into a cot bed and my older one out of his cot bed and into a single. *sob* I told hub last night we could fit at least 3 more cots in our bedrooms
    • LavenderBee
    • By LavenderBee 8th Mar 18, 1:26 PM
    • 266 Posts
    • 1,255 Thanks
    Congrats Debtfreewannnabme - you must be feeling like you're walking on air! I did the same in what should have been my last month before clearing my debt, I think I pulled £300 out of my savings and did some mega scrimping just to get it gone. My logic was it's only 4 weeks, if the world broke down I did still have a little left in savings and the card was still 0% (nothing broke by the way, I survived 4 weeks and paid myself back on payday).

    Spend day today for groceries. Spent £18.60 in Lidl for the weekly shop which is over £6 under my imaginary budget, but they'd run out of semi-skimmed for hubs, will have to pick up him a pint on Saturday. That will be second spend day of the week as I've got to pick up some boring things like compost and WD40 too from the separate house budget.

    Diesel - 0/120
    Groceries - 57.01/200
    Monzo card for other (personal) spends - 6/110

    My other spend of today, I'm not sure how to account for. I'd been saving/hoarding some gift cards (all for the same place) and realised that one of them had probably expired, and the others would this year. Thankfully they all still worked so I placed an order today, but I've no intention of keeping all of it and the cost was well above the value of the cards. Today is already a spend day so no loss there, but I think I'll account for any costs above the value of the gift vouchers when I've decided what I'm keeping; it'd be nice to break even but I won't beat myself up if I spend £10 of my own money.

    This is one of the side-effects of Pregsomnia - I found myself going through all my clipped coupons, gift vouchers etc!

    Grateful for:
    - All gift cards being valid (if my husband had left them I would have told him off!)
    - Sunshine
    - There is easily enough leftover from my anticipated weekly grocery budget to justify some ice cream to go with homemade puds at the weekends
    - Having eaten some more frogs from my handwritten lists (including starting knitting)
    • mummylewis
    • By mummylewis 8th Mar 18, 3:00 PM
    • 86 Posts
    • 824 Thanks
    Hi everyone - please may I join in? I missed Feb completely

    DH started in his new job early feb and is loving it! I'm so happy, the last one was really dragging him down (I'm not suprised after 10 years of servitude to the same company I gave 8 years!). Because of the dates and cross overs we didn't have a great income in Feb but very much looking forward to a bigger income when the end of this month rolls around.

    Counting backwards to the start of march I have 5 NSD's already. On the 1st I did a £17 top up shop, on 3rd I bought my Grandad a beer at his birthday party and yesterday spent £47 on groceries.

    Just sorted my car insurance - my premium last year was £793 (hadn't had my own policy for many years). After a year of not claiming anything they wanted to add £300 onto that for this year!! Cheeky!! Did my research and landed on Direct Line for £550. Chuffed is an understatement.

    When payday hits I will have to pay my credit card in full (I set it to this purposefully and struck the password from my memory to change it and therefore can't ever spend more on it than i can afford to pay off the following month), had the service, car tax and new tyres on it. After that I can pay £300 off debts with DH's new and improved income!
    Same will apply next month as I've paid the insurance all in one go to save me the interest.

    Will aim to knock the socks off of 18 NSDs this month.

    Congrats debtfreewannabe on the credit card, what a wonderful feeling!

    Money Saving since 2016 and determined to be debt free by 2020.
    • Toni'sfriend
    • By Toni'sfriend 8th Mar 18, 4:21 PM
    • 1,246 Posts
    • 12,131 Thanks
    Afternoon Turtles

    First entry in my spending diary today. Posted letter (trying to get a refund on a delayed train) but didn't get my cheap birthday cards. Think the deal has been temporarily removed to make way for Mother's Day cards. Should be back next week so I'll buy them then. No YS deals at all. Don't need the chicken right now so left that till I have a look around but did buy two packs of mince which has now turned into a giant bolognese. Stuck to the list and spent just over £11.00. No impulse buys even though I had C with me. That's a first – he usually manages to sneak some chocolate into the trolly.

    Found some LED lights on Amazon. Good reviews and a good price. Being delivered tomorrow. I think it might help the electricity bill if C didn't have all the lights on all the time.

    So apart from that just an ordinary day.

    Hope everyone is well.
    • Kerry Woman
    • By Kerry Woman 8th Mar 18, 5:37 PM
    • 2,310 Posts
    • 22,390 Thanks
    Kerry Woman
    NSD achieved today - 5/18
    Not gone into work again today. Back to work tomorrow.
    Grateful for:
    Feeling better than I was.
    Getting rest today.
    Nice enough weather for the opening of the windows.
    Having food already in.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST May 2018: May the odds be ever in your favour! NSD 16/19
    • LavenderBee
    • By LavenderBee 8th Mar 18, 6:00 PM
    • 266 Posts
    • 1,255 Thanks
    Kerry Woman - you're right, I actually opened the windows today too! Wouldn't have believed it possible last week.

    Toni'sfriend - I'm going to try a new thing, I am going to calculate the cost of "off list" purchases when I shop by myself vs. with hubby. So far the score is £6.38 with hubs to £3.28 by myself (mine were YS goodies which will contribute to several meals and a 29p-pregnant-lady-donut though!). Once I've got more data I will show it to him.
    • apple muncher
    • By apple muncher 8th Mar 18, 6:05 PM
    • 7,277 Posts
    • 54,783 Thanks
    apple muncher
    mummylewis - welcome back. You are numbered and in for March. Great to hear theat DH is loving the new job.

    Kerry Woman - good to hear that you are feeling better. Sounds like you had quite a lurgy.

    Today I am grateful for my extra walking, for getting things done at work, for the sunshine, for being able to cheer up some grumpy y9s, for finding some more mega chunky wool, for being able to complete my kettlebell workout (not sure I'll be able to move tomorrow though...), for the delivery of dd's food arriving, for dd getting her homework done, for dh prepping tea (he's definitely a keeper!)
    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
    • abundant1972
    • By abundant1972 8th Mar 18, 6:06 PM
    • 1,227 Posts
    • 9,215 Thanks

    Today = NSD number 4

    I've so tired... feel like I could sleep for a week. Early night for me tonight! Not much to report... Day was busy and went fast. Got a bit of time off now so looking forward to a break.

    Keep up the good work folks 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!
    • f0xh0les
    • By f0xh0les 8th Mar 18, 6:34 PM
    • 1,407 Posts
    • 11,533 Thanks
    Spend day went to plan
    Did a £10.50 Aldee shop, a £15 Mr M shop, a £4.50 nearly ood shop shop (7 bags of Kell00gs cacoa nut muesli, and 6 bottles of Lipt0n ice tea for lunchboxes next week).

    So had a quick meal plan, and I think I have 8 main meals I can do with no shopping necessary, and lunchboxes for at least until Wednesday.

    So the budget held up well, so well that I paid off DS2s school residential on to my credit card (for the M&S points) and transferred the money into the 'holding fund' when I get the bill the week after next.

    Grateful for - my car, it rained at dropping kids to school time, so we sat in the car until the gates were opened and they could go in,
    DS4 immediately fell in the mud, so was grateful he had his joggers at school to change into.
    That the 2 youngest have rediscovered reading through the Percy Jackson books - it also feeds into DS3s topic of Ancient Greece, but he now knows more about the relationships between the gods than the teachers. oops
    That we have enough to be getting by, the pantry is stocked, everyone is healthy, and whoever invented hot water storage tanks was a genius.
    Last edited by f0xh0les; 08-03-2018 at 6:36 PM.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999
    NEXT GOAL is sub £105k before JulyMortgage-free wannabe 2018 #65
    • mothernerd
    • By mothernerd 8th Mar 18, 6:48 PM
    • 2,366 Posts
    • 24,608 Thanks
    Sorry for absence. Went straight to bed following a no sleep night and slept through till morning in 3 chunks of several hours. Could have slept for longer.

    Crafts yesterday, walked there and back. Quiet session (only 3 of us) but very enjoyable.

    Today I have got things done . As usual, rounded up washing, washing up, rubbish and recycling. Put a load of washing on and put the load I had taken out of the machine on the line (managed to sort of throw/ sling a sheet over the line without hurting my shoulder) and got a quilt up there too. Did a repair on one of the lines - temporary repair several months ago and has sagged under the weight of a thousand wash loads so tightened it up again.

    Cleaned 2 'plastic' shelves that are going to mum's - they originally came from her partner's back yard, I have used them for storage/ greenhouse staging (I don't have a greenhouse) for years and now they are going to go underneath gro-bags which will take the excess strawberry plants as one of the great-granddaughters is very keen on strawberries and there were none left for anyone else last year. Will either fill with stone chips and water or compost (so roots can go through). Also have to manufacture 'window box' like features using some spare edging.

    Have been carrying a full bucket today but will look for more half buckets to use on not so good days. Have one but it was used to catch the drip when the bath overflowed and someone knocked it on the floor and stood on it.

    Did lots of washing up. Okay at first but then hurt when I went back so did small amounts and walked back and forth with rubbish and recycling in between.

    Have found room for a bathmat and 2 pillowcases on the front room radiator and 3 pairs of undies and 1 socks on the bathroom towel rail. Sheet, quilt and cleaning rags can stay out for now (still have lots to do in the kitchen).

    Took a book back to the library and went to get ibruprofen from the £1 emporium but lost a spend free day as I bought something non- medicinal too.

    Resting now but have paperwork and some other 'light' work I can do.

    Today I am grateful for all the flowers - the croci got battered flat last week but are all upright again, the town hall beds and boxes are full of primroses, daffodils and a few pansies, the trees are getting 'fuzzy' - can't really call them leaves yet and quite a few bits got blown down last week. Nearly sat outside in the sunshine this afternoon but by the time I'd finished sloshing water around, the chairs were wet. Still must be grateful for sunshine.

    Grateful for libraries and books, I have already read two of the ones by one of my favourite authors but both are worth re-reading, still looking forward to reading the one's about a little old lady whose nursing home has changed hands, so she is planning (with the aid of some of her fellow 'inmates') to rob a bank in order to move to a better home or buy somewhere they can live independently aand buy the help they need.

    Grateful for a visit from DS2.
    This year I will be fierce
    NST May #13 SFD 9/19 Food £122.13/£120 Travel £11.70/£15 Ent £22.44/£30 (+ £20 membership fee)
    No Debt No mortgage
    • DancingDragons
    • By DancingDragons 8th Mar 18, 7:38 PM
    • 113 Posts
    • 1,293 Thanks
    Good morning lovely turtles-

    I hang onto things because they loved them once upon a time or because they were a gift or expensive and sometimes I need to move past this.
    Originally posted by laurenh1
    This is me. Sentimental values and £££ mean I have cupboards and lofts full of stuff. This thread has started me clearing through it all though. List it or donate it.There's a ton of Playmobil and such. It's not staying any longer.
    This thread also has me allocating max spends - which I never did in the past. So they just don't get expensive tat because that's what their mates have.
    I've another bag of bits to go tomorrow.

    My laptop is clinging to life, just. so if I disappear completely - sorry. Five NSD in the bank now, helped by a completely manic last few days.
    I've finally settled into a exercise pattern, and am beginning to see results.
    Paid to debts and savings today, hardly needed anything but the fresh veg.
    Gratitudes. Learning new skills. A day to catch my breath, friends.
    2018 Foolish April Ninja #33 | NSD 8/16 |
    I can do this! Debt: 11,989.29 11,189.29 goal DFD June 2020
    -34lb to 2019. Lost 7lb, <-stalled
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