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    • apple muncher
    • By apple muncher 25th Feb 18, 2:49 PM
    • 7,272Posts
    • 54,716Thanks
    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 Patrickís 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 Ďnormí. 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 Ė 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 Ė 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, donít 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 12/19 ; Ex 16/20 ; 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 9
    • luckystarr
    • By luckystarr 4th Mar 18, 9:34 AM
    • 265 Posts
    • 2,695 Thanks
    luckystarr
    Hi everyone, I have been AWOL for a long time and spending habits are awful and have amounted in debt yet again. Please can I join the challenge even though I am late to the party x
    • Debtfreewannabme
    • By Debtfreewannabme 4th Mar 18, 9:41 AM
    • 103 Posts
    • 769 Thanks
    Debtfreewannabme
    Thanks for sharing that Lauren. Well done for paying it all off - yes totally personal depending on situ. All our Debt is 0% so we would actually earn some money on having EF. My DFD is end of June and I cant wait! x
    • archwaysaver
    • By archwaysaver 4th Mar 18, 10:38 AM
    • 35 Posts
    • 312 Thanks
    archwaysaver
    NSD yesterday - even though I went out, to a music night run by a few friends, Iíd signed up to volunteer behind the bar so go two free drinks. Much better than paying club prices and lots of fun too!
    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)
    • LavenderBee
    • By LavenderBee 4th Mar 18, 10:51 AM
    • 263 Posts
    • 1,230 Thanks
    LavenderBee
    Clippy-girl another tip for dry noses and all that results is putting vaseline around the bottom of your nostrils (I sort of go for an inside and out approach!). It moistens the air you breath. Supposedly helps catch bugs too and it's practically free.

    With appliances, I think it varies so much as to the age an efficiency of the appliance. We bought a new build house the other year which had some built in appliances, and we needed to buy the rest - I went for the best energy rating on everything, didn't care what it looked like etc! I then use everything on an eco setting. Would love a smart meter so I could measure the cost. We have a washer dryer - the tumble is a godsend as hubby is only home for 48 hours a week and needs to do all his laundry, uniforms and gym clothes as well in that time. It'll be useful for the baby too (we're going to cloth nappy). I'm trying not to use it for my clothes so much as I don't have the time pressures of being a soldier or a newborn baby! Our fridge is so good it keeps food past it's dates too which helps with our no food waste rule. Our energy bill for this house is less than I've paid in previous old properties with gammy old appliances, that were quite literally only an eighth of the size. Obviously we were lucky to be at a point in our lives wanting to buy our first marital home, and we had cashback on the mortgage which went exclusively on appliances, but I think they were good investments.

    Budgets updated:
    Groceries: 38.41/200
    Monzo card: 6/110 (mothers day gift)
    Diesel: 0/120

    NSDs 0/18. Had 2 grocery trips and present to buy hopefully today will be number 1.

    Gratitudes:
    - Hubby bought me breakfast in bed this morning. Was up at 5:45 but managed to crash out between 6-10. I can't remember the last time my body let me have 4 hours deep sleep!
    - Someone has bought an item from a selling app this morning, which will add to the baby fund and help our spring tidy. Glad it's going to be used too.
    - Discovering Good Housekeeping's free email blasts are just as helpful as the advice in the magazine, and are free. Picked up some good slow cooker recipes recently.

    Frogs eaten:
    - I read meters and checked energy deal yesterday, no action needed, made note to do it again next month
    Last edited by LavenderBee; 04-03-2018 at 12:10 PM. Reason: Added to lists
    • Igamogam
    • By Igamogam 4th Mar 18, 11:20 AM
    • 5,541 Posts
    • 45,376 Thanks
    Igamogam
    Bit late to the Mad March Party - been ill in bed all week..........has it snowed??? Awww I missed it all and I love snow! Anyway I am feeling well enough to be upright today but talking it easy. February worked OK for us so will be sticking to what I did last month but going to start a super low carb diet too so food budget might be a little off kilter to start with.

    Looking forward to the new month
    Be the change you want to see -with apologies to Gandhi
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat'
    • shabbychic12
    • By shabbychic12 4th Mar 18, 1:08 PM
    • 82 Posts
    • 409 Thanks
    shabbychic12
    Well think finally lve got my head in gear and focused and determined that March will be the month to embrace Marching to a different beat - abit my beat might be more a little Northern Soul
    NST April 2018: April Fools Challenge
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 £1182/£12000
    £28/week on wk13 (£1 a day challenge)£644
    All this saving l'm turning into my Dad
    • Debtfreewannabme
    • By Debtfreewannabme 4th Mar 18, 2:35 PM
    • 103 Posts
    • 769 Thanks
    Debtfreewannabme
    Afternoon - DH got £20 birthday money today. He says he want to treat us to chinese with my family today ( had previously told them we would be bringing our own dinner). Said thank you and smiled. Feeling very thankful for him. Children wont eat chinese so have cooked for them. So even though we are spending its on money gifted so feeling happy about that. Does this count as a spend day?!!!55357;!!!56834;!!!55357;!!!56834;
    • BadBookkeeper
    • By BadBookkeeper 4th Mar 18, 3:28 PM
    • 123 Posts
    • 872 Thanks
    BadBookkeeper
    #18 checking in....
    NSD 4/15 only because I'm snowed in!!!
    Wanted to make cakes yesterday but needed eggs so instead of going to the shop and buying eggs ( plus more)! We made and iced shortbread instead. Everyone happy for free!
    • Toni'sfriend
    • By Toni'sfriend 4th Mar 18, 3:44 PM
    • 1,246 Posts
    • 12,125 Thanks
    Toni'sfriend
    Hi Turtles

    Spoke too soon. The snow came back but luckily not too heavy. Still haven't ventured out so NSD no 4

    Used the chicken carcass to make stock and then chicken noodle soup for the boy's lunch for the next couple of days. Still some chicken left for C and I to have some nice snadwiches for our lunch tomorrow and I think there should be enough curry left for our dinner.

    I have a kind of meal plan for the rest of the week but really must have a good look at the freezers and cupboards and make a supreme effort to use what's in there.

    I changed our bedding and did a quick wash at 30 degrees adding some light coloured items to fill up the load. I've hung it all up very carefully to dry so I'll see tomorrow how little I can get away with ironing.

    Plans for this month:

    All I can report is I've started to read The Day of the Jackal. Really must get out of this lethargic mood. It's not that I don't have lots I could be doing.

    Hope the weather's improving for you all.
    • Jonesy88
    • By Jonesy88 4th Mar 18, 4:07 PM
    • 942 Posts
    • 3,686 Thanks
    Jonesy88
    Reporting NSD number 2 for me.

    I'm also interested in the talk of appliance usage and charges - we have a tumble dryer and I think it's used far more than it should be because we don't plan and leave enough time for clothes to dry before they are needed.

    I've also sold something on eb3y today so that'll be going to the credit card
    DF by Xmas 2018: #83 £1,500/£15,000 10%
    SPC 7: #135 | VSP 2018: #23 £1.60 | MFW 7.78% | NSDs 0/15
    • Debtfreewannabme
    • By Debtfreewannabme 4th Mar 18, 4:21 PM
    • 103 Posts
    • 769 Thanks
    Debtfreewannabme
    Smoke alarm started beeping so we've just spent £16.99 ( landlord fitted them so we have to replace with same one, 10 year life on it so fingers crossed we wont have to spend on this again) 0.85p also spent in Sainsburys on the way out. I forgot the chopped tomatoes for the childrens dinner so 0.60p spent and 25p for a freddo for DH. He asked for a Dairy milk (50p!) so I got him a cheaper choc instead haha!
    • apple muncher
    • By apple muncher 4th Mar 18, 5:57 PM
    • 7,272 Posts
    • 54,716 Thanks
    apple muncher
    It's never too late
    Itís never too late to start over. If you werenít happy with yesterday, try something different today. Donít stay stuck, do better.
    NST May #1; NSD 12/19 ; Ex 16/20 ; 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
    • dolly84
    • By dolly84 4th Mar 18, 5:58 PM
    • 3,836 Posts
    • 35,598 Thanks
    dolly84
    Smoke alarm started beeping so we've just spent £16.99 ( landlord fitted them so we have to replace with same one, 10 year life on it so fingers crossed we wont have to spend on this again) 0.85p also spent in Sainsburys on the way out. I forgot the chopped tomatoes for the childrens dinner so 0.60p spent and 25p for a freddo for DH. He asked for a Dairy milk (50p!) so I got him a cheaper choc instead haha!
    Originally posted by Debtfreewannabme
    Smoke alarms beep when they need a new battery so you could probably just have changed that.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • apple muncher
    • By apple muncher 4th Mar 18, 6:14 PM
    • 7,272 Posts
    • 54,716 Thanks
    apple muncher
    Today I am grateful for learning how to rack a kettlebell, for a quiet day, for baking, for dd making her first meringues, for plenty of veg, for getting some sewing done, for dd doing some homework, for a good chat with big sis, for my workout, for getting 2 contracts marking for the exam board.
    NST May #1; NSD 12/19 ; Ex 16/20 ; 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
    • DancingDragons
    • By DancingDragons 4th Mar 18, 7:15 PM
    • 113 Posts
    • 1,293 Thanks
    DancingDragons
    Rare day, today.
    Baked all the things. Sausage Rolls for the kids packed lunches, pie for tomorrow. Batch baked yorkie-puds, and then there's quiche for our lunch.
    I dare anyone to say there's nothing in to eat now.
    Made it to gym - Read while at gym. Two birds -one stone.

    Dealt with everything on my toady-frog list too.
    Now if I can just get a handle on "eating all the things" all's good! Weight loss has stalled, so I joined the MSE SW thread with hope it will help me focus. I don't know I'll keep up with the banter like I can here.

    Knackered though now
    Oh.. yes, NSD2

    Gratitudes:
    Kindle resize text facility allowing me to read while "treading the mill"
    DD2 making me pretty jewellery.
    Rare days.
    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
    • Kerry Woman
    • By Kerry Woman 4th Mar 18, 7:40 PM
    • 2,308 Posts
    • 22,363 Thanks
    Kerry Woman
    NSD achieved today 2/18
    Not feeling well today, have come down with something. Started yesterday. Coughing, sore throat and slightly chesty.
    Was meant to volunteer at an event today up London, but unable to go. Did phone the person in charge. Will be volunteering for this charity later on this month at another event in London.
    Am hoping I will be a lot better for next Sunday as I am doing 5k walk for a charity.
    Grateful for:
    Getting rest.
    Did manage to start the jigsaw puzzle.
    Managed to get dinner.
    Achieved a few bits in the flat.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST May 2018: May the odds be ever in your favour! NSD 15/19
    • greent
    • By greent 4th Mar 18, 7:44 PM
    • 7,008 Posts
    • 71,543 Thanks
    greent
    Day 4
    • for the plodders: 15 NSDs 2/15 so far... Not one today
    • Set your budgets before the challenge starts
      * Food - 67.27/420 - small spend of less than £10 today
      * Fuel (me) 0/65
      * School 0/25
      * Social 0/50
      * Clothes 0/75
      * Toiletries 3.98/10
    • Be generous !!! Do not forget to give to your choice of charity. - monthly DD. Will also donate to foodbank/ animal foodbank collection at supermarket
    • Pay towards your debt first! . 'General' CCs always paid off in full. Car and min pyments to 0% CCs paid by DD. Extra monies then go to OH's 0% CC. £65 extra paid to CC so far
    • Plan. Have sent DD off with some food for her student flat. Will be batch baking and cooking once new oven arrives and is installed later this week.

    Sadly our snow is almost all gone I have enjoyed the enforced slowing down and the family time

    Today I am thankful for:
    * OH nipping to shops for rolls for packed lunches and some salad bits
    * planning ahead and sending DD back with some easy food & household supplies
    * catch up tv to iron to
    * my children's sense of humour
    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
    • debtfreeby2020
    • By debtfreeby2020 4th Mar 18, 7:47 PM
    • 88 Posts
    • 172 Thanks
    debtfreeby2020
    Today, I did my weekly shop and picked up my prescriptions. As these are budget line items, I think that makes this a NSD.

    2/18

    Keep going everyone! Long road ahead but we can do it!
    Emergency Fund: £300.01/£1000 (30%) March NST: 2/18 NSDs
    Tesco Loan: £3,877/£5000 Barclaycard: £3149.99/£3169.79
    • apple muncher
    • By apple muncher 4th Mar 18, 7:53 PM
    • 7,272 Posts
    • 54,716 Thanks
    apple muncher
    Kerry Woman - hope that a good night's rest helps you feel better quickly.
    NST May #1; NSD 12/19 ; Ex 16/20 ; 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
    • greent
    • By greent 4th Mar 18, 7:57 PM
    • 7,008 Posts
    • 71,543 Thanks
    greent
    Today, I did my weekly shop and picked up my prescriptions. As these are budget line items, I think that makes this a NSD.

    2/18

    Keep going everyone! Long road ahead but we can do it!
    Originally posted by debtfreeby2020
    Prescriptions are medical and therefore exempt but weekly shop is a spend (even if in budget) and therefore it's not a NSD, I believe. x
    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
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