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    • apple muncher
    • By apple muncher 25th Feb 18, 2:49 PM
    • 7,295Posts
    • 54,960Thanks
    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 16
    • indigowarrior
    • By indigowarrior 9th Mar 18, 3:56 PM
    • 517 Posts
    • 3,729 Thanks
    Happy Birthday Dolly.
    #545- SPC/ Frugal Living Challenge May NSD 4/19 Emergency Fund £4.30/£1000
    • Toni'sfriend
    • By Toni'sfriend 9th Mar 18, 4:14 PM
    • 1,246 Posts
    • 12,133 Thanks
    Afternoon Turtles

    Happy Birthday, Dolly. Hope you had a lovely day.

    Congratulations, Debtfreewannabme. What a great achievement.

    Indigo, Sending you lots and lots of hugs.

    Another day in so NSD no 8

    Have had a bit of a tidy and made dinner from what was in the freezer and fridge. Sausage casserole.
    I think I'm becoming a bit antisocial. I quite like my own company and staying in reading.

    Relaced all the bulbs in the living room with LED so we'll see if that has any effect both on how long they last and the electricity bill.

    Will have a bit of an unexpected spend next week. My cousin's son and grandaughter have come over from Canada so C and I have offered to take them for lunch along with my other lovely cousin and her husband. Our treat but worth it. Such really nice people.

    So bit of a quiet day all round.

    Have a lovely weekend.
    • DawnW
    • By DawnW 9th Mar 18, 7:09 PM
    • 5,005 Posts
    • 39,475 Thanks
    Happy birthday dolly!

    DawnW - does your brother having his own place mean that you can reclaim your own space? And your budget?
    Originally posted by apple muncher
    Budget not great as we have had to pay out so much to get him settled (he turned up penniless and with nothing except his car, to get him to work if he has any, as has happened many time before, no work and weeks to wait for benefits). Now got some very basic furniture, first month's rent paid etc, and he has some temp work. I know that won't be the end of it, but hopefully the costs can be managed / minimised going forward!

    ((Hugs)) to Indigo

    • greent
    • By greent 9th Mar 18, 7:10 PM
    • 7,011 Posts
    • 71,599 Thanks
    Happy birthday, Dolly!

    (((Hugs))) for Indigo xx
    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) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • Kerry Woman
    • By Kerry Woman 9th Mar 18, 7:49 PM
    • 2,315 Posts
    • 22,437 Thanks
    Kerry Woman
    indigowarrior - Sending you hugs.
    Dolly - Wishing you a Happy Birthday.
    Debtfreewannabme - Congratulations.
    NSD achieved - 6/18.
    Grateful for:
    Achieving things in work.
    Getting support from work colleagues.
    Getting a free school meal.
    Worked a little bit of overtime, just 15 minutes but at least it is something.
    Having a chilled out evening.
    Writing a list of what I need to do tomorrow.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST May 2018: May the odds be ever in your favour! NSD 19/19
    • Debtfreewannabme
    • By Debtfreewannabme 9th Mar 18, 8:01 PM
    • 103 Posts
    • 774 Thanks

    Thanks for all the congrats. Im not debt free yet bt confindent I will be in a month.
    We have had a nice relaxed day. No extra spends other than CC payment. Feeling exhausted so off to bed shortly.
    Today Ive been grateful for a supportive team at work, for the smiles on my childrens faces, for my DH having a good job, for my job, for my Mom and my MIL and their support x
    • mothernerd
    • By mothernerd 9th Mar 18, 8:08 PM
    • 2,369 Posts
    • 24,638 Thanks
    Hugs indigowarrior
    Happy Birthday Dolly (sneaks off to bookface to wish DS1 a Happy Birthday)
    Congratulations debtfreewannabeme

    Quiet day. Some shopping and included mum's card and present (melon and toffee cheesecake - that's two separate items then said I would include her milk and bread as I cba to divi up the shopping

    Today I am grateful for sunshine , for finding some paperwork I wanted and for being able to get all the shopping in one place.
    This year I will be fierce
    NST May #13 SFD 11/19 Food £129.13/£120 Travel £15.20/£15 Ent £22.44/£30 (+ £20 membership fee)
    No Debt No mortgage
    • greent
    • By greent 9th Mar 18, 8:14 PM
    • 7,011 Posts
    • 71,599 Thanks
    Busy week - was working Mon - Thurs and worked some extra hours too - so need to catch up. Some spends to total up, too (have receipts in a pile, ready) - mostly food, but £10 on gifts (Mothering Sunday) Also bought myself some jeans but that came from bday money so am not counting that (was my bday on Tues and my mum gave me some money as part of my present and told me to spend it on something to wear )

    Charity - have donated 3 old £ coins to DS2's school - they are collecting them (along with old £5 and £10!!)

    Grateful for:
    * my lovely uncle and aunt being so lovely (I've been helping them with some paperwork which I am happy to do as they are fab people)
    * lovely colleagues
    * extra hours at work this week
    * birthday presents being things I wanted (and therefore I love them ) (lots of purple and/ or kitchen items involved! (and chocs/ cake/ flowers))
    * Y13 students at work being good natured during exams
    * good friends
    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) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • x_raphael_xx
    • By x_raphael_xx 9th Mar 18, 8:18 PM
    • 3,540 Posts
    • 18,449 Thanks
    Evening Turtles.
    Spent the day with Mum today. Just chilling and chatting (and smack-talking about my ex) we took the dogs for a stroll to the pasty shop. Bestie popped round on her way to work and joined in the ex 'discussion' for a couple of hours.

    Mum paid for the pasties (and a cake for me) and I have repayed her with a mini freezer we no longer use & is taking up space in our storage room.

    Pay day today, and with 5 fridays in the month its a 'spare' wage packet, so I've thrown the whole thing into Mums repayment fund.

    • · For the striders: 18 25 NSDs 8/25 No spend today.
    • · Set your budgets before the challenge starts. Payday, spreadsheet updated.
    • · Be generous. There are many who are far worse off. Do not forget to give to your choice of charity. Off for the photoshoot tomorrow afternoon. Hoping Duncan behaves himself.
    • · As ever, always take your lunch to work, and drink and snacks when out and about Pasty for lunch, supplied by mum.
    • · Pay towards your debt first! Extra added.
    • · Plan. Look ahead to the month and what your commitments are. 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
    • apple muncher
    • By apple muncher 9th Mar 18, 9:10 PM
    • 7,295 Posts
    • 54,960 Thanks
    apple muncher
    Hugs toyou, indigowarrior. Sounds like a very tough time for you. Be kind to 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
    • Fmess
    • By Fmess 9th Mar 18, 10:12 PM
    • 2,702 Posts
    • 25,902 Thanks
    Indigowarrior big hugs, I hope that you are ok at this tough time

    Debtfreewannabme congratulations

    Dolly happy birthday

    Today was spendy to the tune of £4. I cant decide whether to go to a local spring market tomorrow, its £2 to enter, £2 to park and Im sure Id get tempted to buy some of the lovely food and gifts there. I love going but just not sure its worth the expense.
    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
    • archwaysaver
    • By archwaysaver 9th Mar 18, 10:50 PM
    • 35 Posts
    • 312 Thanks
    Happy birthday Dolly!

    NSD today - came straight home after work and made a nice dinner and split a bottle of wine with my husband that we got for his birthday a few months ago. Happy weekend all!
    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)
    • abundant1972
    • By abundant1972 9th Mar 18, 11:13 PM
    • 1,227 Posts
    • 9,215 Thanks
    Good evening...

    Happy weekend (almost) everyone! So today was out with the parents and made a few small spends on drinks with them, though once more they bought lunch. Annoyed I didn't shop for Mother's Day on Sunday as we are having a little buffet. That means another NSD gone tomorrow. Grrr!

    Nice day though. Still sticking with my food plan and exercise... trying not to focus on results just yet.

    Hugs to Indigo - if it's the right thing then hang in there. Happy Birthday to you Dolly - I hope you have a good one! Congrats Debtfreewannabe on your debt busting progress!!!

    Catch you all tomorrow 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!
    • bizzie
    • By bizzie 9th Mar 18, 11:16 PM
    • 158 Posts
    • 1,886 Thanks
    A within budget spend on a meet up with friends. Looking to "earn" enough through surveys to fund this in future.
    Still on 7NSDs. Overall budget looking good at this point in the month but have weekend errands to run which will involve parting with money.
    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 10th Mar 18, 7:33 AM
    • 472 Posts
    • 4,949 Thanks
    indigo hugs to you & all involved
    debtfree congrats on getting your debts down!!

    bit tired this morning as I was up til midnight arguing with my parents as to wether Id let my little boys leave the house in a dress theres pretty much nothing my family can't debate & it always gets heated. hub & I are giggling that they are downstairs right now showing them pictures of appropriate clothes for boys to wear

    some pretty good news last night. Wonga emailed my husband to say that they were refunding him £1400 after I submitted a complaint about irresponsible lending. thought I had no chance as the loans were 7 years old but hurrah- they upheld it. Need to send new bank details off later for them to pay. will not put it in budgets until its paid I am only getting 1200 of it as he wants to spend the rest on himself. fair enough really as he does not get a lot while we are saving for the house...

    hub & I have decided to do a rota this weekend for house work etc as I am getting very stressed & hub thinks Im taking too much on!! I am pretty much getting no time to myself & its no good for my mental health. I haven't sat down to watch tele or read or unwind all week, not once, somethings got to give.

    have a lovely weekend all
    • f0xh0les
    • By f0xh0les 10th Mar 18, 9:01 AM
    • 1,410 Posts
    • 11,560 Thanks
    NSD 7 yesterday

    Today is a planned spend day - Lego Ninjago movie at kids club, should have change from £10.DS2 decided to come along as well, so £10 on tickets and £2.80 on supermarket popcorn. Bonus surprise Jackie Chan!!

    Apart from that I am going to move some furniture about a bit and try and free up some space - I have created a bottleneck and I need it shunted elsewhere.

    As it is a spend day, I am going to try and sort house insurance (buildings and contents) If it comes in at under £250 I will be happy. - I want accidental cover on buildings as we have work that needs doing. Otherwise it would be £170. £248.30 all in

    Also have to go to Ireland over Easter holidays - step gran will be 79 this year and is all alone and housebound.

    Laundry,cooking and all the nonsense having kids entails.
    Plus cleaning hamster cages.

    Have a great weekend turtles
    Last edited by f0xh0les; 10-03-2018 at 3:17 PM. Reason: Stuff got done!
    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
    • Debtfreewannabme
    • By Debtfreewannabme 10th Mar 18, 9:24 AM
    • 103 Posts
    • 774 Thanks
    Good morning - feeling slightly fed up this morning. My DH seems to want to eat everything and the meal plan is being compromised. Its hard as he is an emotional eater and says hes feeling fed up but then Im trying to explain that its much better if he can talk to me instead of eat 6 choco breaks ( aldis kitkats ha).
    • indigowarrior
    • By indigowarrior 10th Mar 18, 9:36 AM
    • 517 Posts
    • 3,729 Thanks
    Bit of a headache today. Today will be a NSD. Plan to stay in and try and earn more pennies doing surveys. Hope everyone has a good day.
    #545- SPC/ Frugal Living Challenge May NSD 4/19 Emergency Fund £4.30/£1000
    • dolly84
    • By dolly84 10th Mar 18, 1:45 PM
    • 3,840 Posts
    • 35,629 Thanks
    Thanks for all the birthday wishes. Had a takeaway and a cake last night, also called at Tesco and used the Vodafone voucher, me and DH both had one and they were supposed to be used on easter eggs or smoothies but they worked on anything so I got some of the mini cans of baileys with them.

    Collected my free sparks birthday gift today, two packs of tights, one for me and one for DD so 6 pairs of tights free. Called at Sainsburys to use some vouchers for things we buy (they don't let you use them online) and a £6 of points voucher so £7.60 in points on a £12 spend. Small spend in boots on toothpaste and superdrug on nail polish remover, hope that is it for today.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • Nicky Noo Na
    • By Nicky Noo Na 10th Mar 18, 3:09 PM
    • 760 Posts
    • 6,713 Thanks
    Nicky Noo Na
    Sorry I haven't posted for a while - been a busy week solo parenting as hubby as been working away. In the space of 2 days I've had to deal with an enforcement officer threatening to send baliffs round for a debt belonging to the person who owned the house before us, the burglar alarm needing resetting, the boiler breaking and the police needing another statement as they've recovered our stolen car and they were desperate to charge the baddie! Plus DD has a bad virus with a hacking cough I've been up in the night every night too. Oh and going to work too! Phew! Hooray for the weekend.

    Up to 6 NSD now - no time to spend haha. We're going out for a meal in a bit though for my Mother's day present. We have a voucher but it's not valid tomorrow so we're going today instead. Hardcore MSE!

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