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  • FIRST POST
    • apple muncher
    • By apple muncher 25th Feb 18, 2:49 PM
    • 7,367Posts
    • 55,491Thanks
    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 June Odyssey #20; NSD 11/15; Ex 9/20 ; craft / (69); remove 54 (433)
    2018 Pay off: £2110; 2
    018 sell

    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
Page 15
    • DawnW
    • By DawnW 8th Mar 18, 7:50 PM
    • 5,052 Posts
    • 39,873 Thanks
    DawnW
    Grateful today for my brother settling into his own rented flat , and the little miniature daffodils in my garden which survived the snow, with more buds appearing every day
    NSDs for June 7 / 10
    Groceries / cleaning / toiletries / pet food etc £136.68 / £250
    Fuel 50.01 / £100


    • apple muncher
    • By apple muncher 8th Mar 18, 7:51 PM
    • 7,367 Posts
    • 55,491 Thanks
    apple muncher
    Mothernerd - i have just read the sequel to the book you ar eabout to read! Thoroughly enjoyed it.
    NST June Odyssey #20; NSD 11/15; Ex 9/20 ; craft / (69); remove 54 (433)
    2018 Pay off: £2110; 2
    018 sell

    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
    • x_raphael_xx
    • By x_raphael_xx 8th Mar 18, 8:58 PM
    • 3,551 Posts
    • 18,511 Thanks
    x_raphael_xx
    Day off today, cleaned the house ready for mums arrival. Had my music lesson, then bestie arrived and we took Duncan for a walk.
    Mum
    arrived tonight, she just popped by for a cuppa and to check out the house as she had a long drive down. She loves the house & has met Donna. Her dog got a bit grumpy at Duncan, who kept nagging him to play, but all good. She's headed back to the hotel now & is spending the day with me tomorrow.
    • · For the striders: 18 25 NSDs 7/25 No spend today.
    • · Set your budgets before the challenge starts. Bills out today, spreadsheet updated.
    • · 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 Day off today, can of soup for lunch.
    • · Pay towards your debt first! Done
    • · Plan. Look ahead to the month and what your commitments are. Mum down Thursday tonight! 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 7.8 lbs / 50 lbs
    EF Challenger #36 £139.93/£1800
    • lauradora
    • By lauradora 8th Mar 18, 9:36 PM
    • 1,365 Posts
    • 4,661 Thanks
    lauradora
    evening all,

    Just checking in for the day. NSD 4/15. Flylady done and all spreadsheets up to date.

    hope everyones had a nice day

    Still in debt but happy
    DFW nerd no 844


    • thriftylass
    • By thriftylass 8th Mar 18, 9:49 PM
    • 3,331 Posts
    • 27,292 Thanks
    thriftylass
    Just back from a fab girls night with two good friends . Mostly paid for by vouchers but spend 16 to settle the final bill and 12 on a taxi. So worth it. We talked about God and the world, body image, failing health, misery and death. But the also the good things in life. It was invigorating, reassuring and just good for the soul.
    See you tomorrow
    Last edited by thriftylass; 09-03-2018 at 2:02 AM.
    NST June
    SFD 10/20 spends 677/480
    Exercise 11/20
    Debt - all 0% 1015 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 103541 (05/18) OP 0
    • archwaysaver
    • By archwaysaver 8th Mar 18, 11:50 PM
    • 35 Posts
    • 312 Thanks
    archwaysaver
    NSD today including taking my lunch and dinner to work as I knew I!!!8217;d be a bit later than usual and thought better safe than sorry. I was right! And avoided getting something out of the vending machine as I didn!!!8217;t want to wreck my NSD. That!!!8217;s at least £6 saved just today I probably would have just spent before joining here. Really pleased!
    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)
    • bizzie
    • By bizzie 8th Mar 18, 11:58 PM
    • 164 Posts
    • 1,971 Thanks
    bizzie
    NSD #7/18.
    Grateful for some extra work shifts later this month.
    Groceries 93.24/300.00 Personal Spend /100.00
    NST June #25 NSD 11/15 @16/06/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • Fmess
    • By Fmess 9th Mar 18, 6:10 AM
    • 2,711 Posts
    • 26,000 Thanks
    Fmess
    SFD number 5 yesterday, bit much else to report, no dog walk after work due to the rain but the dogs had already been to the park with my dog walker. Spendy day tomorrow as catching up with friends.
    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
    • Debtfreewannabme
    • By Debtfreewannabme 9th Mar 18, 6:43 AM
    • 103 Posts
    • 774 Thanks
    Debtfreewannabme
    My heart is pounding after making a £2,240 payment to clear the rest of the CC bill. I cant stop smiling. We now owe just £649 to a finance agreement. Thats it! This month we will be trying to scrimp even more than we already have. Even to the point that Im using a warm flannel to wipe my childrens faces after meals instead of 1000 baby wipes. Ive realised its actually much nicer for them whilst saving money at the same time.

    Hope you all have a great day x
    • apple muncher
    • By apple muncher 9th Mar 18, 7:08 AM
    • 7,367 Posts
    • 55,491 Thanks
    apple muncher
    Well done debtfreewannabme! You have achieved so much in such a short time!
    NST June Odyssey #20; NSD 11/15; Ex 9/20 ; craft / (69); remove 54 (433)
    2018 Pay off: £2110; 2
    018 sell

    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
    • LavenderBee
    • By LavenderBee 9th Mar 18, 8:39 AM
    • 305 Posts
    • 1,553 Thanks
    LavenderBee
    Well done debtfree

    (Glad the flannel is working, we've got reusable cloth wipes to go with our reusable nappies for when ULO arrives - I don't want to be spending out on packets of wipes either!)
    • dolly84
    • By dolly84 9th Mar 18, 9:17 AM
    • 3,862 Posts
    • 35,806 Thanks
    dolly84
    Well done debtfree

    (Glad the flannel is working, we've got reusable cloth wipes to go with our reusable nappies for when ULO arrives - I don't want to be spending out on packets of wipes either!)
    Originally posted by LavenderBee
    That's great to hear. Wipes are shocking for the environment.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • dolly84
    • By dolly84 9th Mar 18, 9:20 AM
    • 3,862 Posts
    • 35,806 Thanks
    dolly84
    Just back from a fab girls night with two good friends . Mostly paid for by vouchers but spend 16 to settle the final bill and 12 on a taxi. So worth it. We talked about God and the world, body image, failing health, misery and death. But the also the good things in life. It was invigorating, reassuring and just good for the soul.
    See you tomorrow
    Originally posted by thriftylass
    ahh yes, my 3 favourite topics for a night out . Glad you had a good time.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • dolly84
    • By dolly84 9th Mar 18, 9:24 AM
    • 3,862 Posts
    • 35,806 Thanks
    dolly84
    It's my birthday today, DH had hidden chocolates in all the places he knew I would go first thing this morning, I haven't eaten them yet though. I ask not to get cards and gifts from my family but my mum always gives me a card with money in. We are planning to have a takeaway tonight and some wine but other than that I don't really celebrate my birthday.

    Not working today even though I have work to do (work from home but can do it anytime), payday for me next week and I also have a weeks extra work starting 19 March, it's full time but quite near the kids school so they can get a bus there and then we can all come home together.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • thriftylass
    • By thriftylass 9th Mar 18, 9:30 AM
    • 3,331 Posts
    • 27,292 Thanks
    thriftylass
    ahh yes, my 3 favourite topics for a night out . Glad you had a good time.
    Originally posted by dolly84

    Yes, sorry that came across as a bit strange . But as we're now officially middle aged these topics just came up as these things seem to be increasing in frequency as we get older. However, the conversation was more about how not to get down about it but make the most of life, if that makes sense.

    Happy birthday dolly84

    Not an SFD today as I'll pick up my Asd@ order. Once the kids are in bed and DH is gone I'll start with some meal prep tonight. Strangely exited about it

    Well done Debtfreewannabme
    NST June
    SFD 10/20 spends 677/480
    Exercise 11/20
    Debt - all 0% 1015 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 103541 (05/18) OP 0
    • Calling14
    • By Calling14 9th Mar 18, 10:48 AM
    • 2,718 Posts
    • 19,808 Thanks
    Calling14
    Sorry didn't post yesterday.

    Walked to work as didn't want to risk my car in the snow. Great walk up hill home and it was really warm. 13k steps done.

    Spent yesterday dd bday card and expensive wine. She has turned into a wine snob.

    Had a Dr's appt after waiting 30 mins for appt. Get in and he asks me Why I am anaemic- which one of us has the medical degree? Was cross so stomped out to get cake and coffee. oops

    Happy Birthday Dolly - have a lovely day, sun is out here.

    Debtfreewannabme brilliant news extremely jealous.

    Might spend today and buy fish and chips as still without an oven, hopefully gas man is looking and trying to find a serial no on it today.

    With world book day still going on my dd sent her little one to school last week as Harry and a bucket full of dinosaurs. Thought he would be upset not having a costume but big smiley pic with headmaster said otherwise. Very MSE.

    Another appointment for blood test today - hope something comes of this time.

    Have a lovely weekend and hope Mothers day goes well and for anyone who struggles with that day big hugs xx
    LBM 13039 1.1.13 Start 2018 £5552 NOW £2700
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 £2852/£5552 DFD 12/18
    E
    Fund #9 £120/£1,000
    1 x 100 days challenge
    £1327/£2550

    • Debtfreewannabme
    • By Debtfreewannabme 9th Mar 18, 12:17 PM
    • 103 Posts
    • 774 Thanks
    Debtfreewannabme
    Happy birthday Dolly84 hope you have a lovely day x
    • thriftylass
    • By thriftylass 9th Mar 18, 1:57 PM
    • 3,331 Posts
    • 27,292 Thanks
    thriftylass
    Slightly annoyed. Thought as it is a spend day I'l order the last of DD's birthday present. Found a set of play figures she wanted for less than half the price of new in eb@y in very good condition. It had one figure missing which I found on Argos thinking I had a ten pounds off voucher, only it expired 1 week ago!!! I had this for over a year (earned through surveys). Anyway, still saved so much money by shopping around and it's sth she'll play with.

    Oh and while it's a spend day I bought two tickets off a work mate for a gig (£20) to go to with my husband (first time ever together) as it's in a city where we'll have a babysitter for that but on spending more money.
    Last edited by thriftylass; 09-03-2018 at 3:27 PM.
    NST June
    SFD 10/20 spends 677/480
    Exercise 11/20
    Debt - all 0% 1015 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 103541 (05/18) OP 0
    • apple muncher
    • By apple muncher 9th Mar 18, 3:49 PM
    • 7,367 Posts
    • 55,491 Thanks
    apple muncher
    Happy birthday dolly!

    DawnW - does your brother having his own place mean that you can reclaim your own space? And your budget?
    NST June Odyssey #20; NSD 11/15; Ex 9/20 ; craft / (69); remove 54 (433)
    2018 Pay off: £2110; 2
    018 sell

    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
    • indigowarrior
    • By indigowarrior 9th Mar 18, 3:55 PM
    • 586 Posts
    • 4,247 Thanks
    indigowarrior
    Today ended up being a spend day after all. Court went as expected and my children have been freed for adoption. Very heartbroken but, know that it was the right thing.

    Car parking cost less then expected as when I paid the £3.60 I found £2 in the tray. On the way to court bought a Dr Pepper and Bottle of water which was £2.50 spend. Then went to KFC and that was an £8.50 spend and finally went to Tesco as was short on basics. Spent £14.42.

    Just got my utility warehouse bill and it is £103! The difference from last month is shocking (£27)
    #545- SPC/ Frugal Living Challenge June No spend challenges: 9/10 House fund £76.13/£2000
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