Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • misstara
    • By misstara 28th Mar 18, 10:20 PM
    • 2,846Posts
    • 20,169Thanks
    misstara
    NST April 2018: April Fool's Challenge
    • #1
    • 28th Mar 18, 10:20 PM
    NST April 2018: April Fool's Challenge 28th Mar 18 at 10:20 PM
    Welcome to NST April 2018, the April Fool's challenge.

    Aim for at least 15 NSDs. Usual exceptions apply, you won't lose a NSD for ys items, petrol or medical expenses.
    Pay to your debt or savings first and live off the rest.
    Report in every day. The daily support from this thread will keep you on track
    Interests - is there any hobbies that you'd like to take up or perhaps an old hobby that you'd like to start again. This is the month to do it, let us know what you plan to do
    Love yourself, do something to make yourself feel fab - wear a bright scarf, get your eyebrows done, have a bath, put on your fave perfume.

    Find time to get outside. Lighter nights are now here so get out in the garden, go for a walk. Fresh air is good for everyone
    Overpay - aim to pay 20% extra to your debt or savings. It's up to you how you do this - overtime at work, saving money on the food bill, selling items.
    Organise your month. Check your cupboards, make a meal plan and stick to your food budget. Plan any social events and budget for them, ideally come up with free alternatives.
    Lose one bad habit. Mine's is a food related one but it can be anything you like.
    Sign off your daily post with a list of gratitudes.

    So that's the challenge, who's up for it?
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £623.88 (72.9% paid)
    Car debt Nov 2017 £797.68 Now £437.85 (45.1% paid) + monthly payments £146.82 8/60
    Emergency fund - £67.75/£1000. Car fund - £200/£1000.
    Mini Targets in August
    Exercise target - 1/16. Groceries target £72.71/£200. NSD target 7/15.
Page 16
    • lcc86
    • By lcc86 13th Apr 18, 8:58 AM
    • 1,015 Posts
    • 3,190 Thanks
    lcc86
    Wasn't able to check in yesterday, but another NSD chalked up. Not much to report. Managing to keep good spends under control which is good! Going to spend today as going to kickboxing later which will cost £10. Haven't been at all this month so looking forward to it.

    Today I'm grateful for a very easy drive into work and arriving early which means I'll get to leave early too!
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    £843/£1000 EF £500 saved for household jobs
    Debt free and in the black for the first time in 11 years
    • dolly84
    • By dolly84 13th Apr 18, 9:21 AM
    • 3,950 Posts
    • 36,556 Thanks
    dolly84
    Morning. It is raining here again today. unsurprisingly the forecast for next week looks fab as we will all be back in school and work.

    I started my energy switch last night after the current providers DD debacle. I went with the Bulb deal on the MSE email. Also requested transfer packs with the Nationwide for transferring my kids CTF to Junior ISA's, I'm not a stupid person by any means but it was hard to find out whether you should apply to open the ISA first or close the CTF, why does everything financial have to be so complicated? It isn't hard to see how people end up in a pickle.

    DH collected the dog from the boarding kennels yesterday, he was like a mad thing when he got home, we took him for a long walk then DH bathed him (which he hates), then we blow dried him so he didn't soak through his clean bedding, then brushed him, he smells great now.

    Did a grocery shop yesterday so we are all stocked up again now.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • f0xh0les
    • By f0xh0les 13th Apr 18, 10:01 AM
    • 1,594 Posts
    • 13,172 Thanks
    f0xh0les
    NSD 8 today
    Just inventoried the pantry and fridge and freezer.
    Made a 10 item shopping list that should do all food until next weekend.
    Will shop tomorrow and go to the market for fruitbowl stuff.

    Sneaky overpayment to mortgage of £38.70 (monthly total now £127.52)

    Will be happy it is going to be a bit warmer, but dreading the pollen.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • thriftylass
    • By thriftylass 13th Apr 18, 10:40 AM
    • 3,359 Posts
    • 27,575 Thanks
    thriftylass

    Sneaky overpayment to mortgage of £38.70 (monthly total now £127.52)

    Will be happy it is going to be a bit warmer, but dreading the pollen.
    Originally posted by f0xh0les
    I'm dreading the pollen too, last year and the year before were bad, never bothered me as much up here before.

    We'll need to remortgage this July (fixed deal up) but I can't wait to overpay. Decided to wait till after the new deal but put the money aside that I was planning to overpay the next few months and then drip feed it into the new mortgage.

    Will be a spend day today as we need a wee top up shop.
    NST June
    SFD 5/20 spends 474 (incl MOT which I might claw back form savings if needed)/540
    Exercise 5/20
    Debt - all 0% 1015 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 102400 (07/18) OP 0
    • f0xh0les
    • By f0xh0les 13th Apr 18, 10:46 AM
    • 1,594 Posts
    • 13,172 Thanks
    f0xh0les

    We'll need to remortgage this July (fixed deal up) but I can't wait to overpay. Decided to wait till after the new deal but put the money aside that I was planning to overpay the next few months and then drip feed it into the new mortgage.
    .
    Originally posted by thriftylass
    Best deal I found was 0.99%, but the fee was £1200 and I could not afford it the same month as buying 2 x car insurance.

    L&C was great (and free) for finding the deal we got - it was one I had found online but it was good to have it confirmed by them that it was the best one for me. Good luck with it all. Not sorry I won't have to do it again for 2 years.
    MFW START DATE May 16 £118,340 : Oct17 - £109,495.00Dec17 £108,800Jan 18 £108,392.98 March 18 £108,504.72April £108,099May £106,999June 105,999.99July 105,300.00
    August £103,999.99

    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • thriftylass
    • By thriftylass 13th Apr 18, 12:18 PM
    • 3,359 Posts
    • 27,575 Thanks
    thriftylass
    Best deal I found was 0.99%, but the fee was £1200 and I could not afford it the same month as buying 2 x car insurance.

    L&C was great (and free) for finding the deal we got - it was one I had found online but it was good to have it confirmed by them that it was the best one for me. Good luck with it all. Not sorry I won't have to do it again for 2 years.
    Originally posted by f0xh0les
    I don't like paying the fees but definitely need to look again closer to the time as the deals have changed since I last looked. Definitely also like sticking with the bigger names for some reason. Some companies I have never even heard off . Bit like with the gas and elec suppliers, am shy to try the little new ones.
    NST June
    SFD 5/20 spends 474 (incl MOT which I might claw back form savings if needed)/540
    Exercise 5/20
    Debt - all 0% 1015 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 102400 (07/18) OP 0
    • greent
    • By greent 13th Apr 18, 1:48 PM
    • 7,238 Posts
    • 73,552 Thanks
    greent
    I'm dreading the pollen too, last year and the year before were bad, never bothered me as much up here before.

    We'll need to remortgage this July (fixed deal up) but I can't wait to overpay. Decided to wait till after the new deal but put the money aside that I was planning to overpay the next few months and then drip feed it into the new mortgage.

    Will be a spend day today as we need a wee top up shop.
    Originally posted by thriftylass
    Can I ask why you are planning on drip feeding it in, rather than just remortgaging for a lesser amount from the offset? Obviously don't say if you'd rather not, but surely you'll be paying interest in drip feeding it in, rather than having the smaller sum from the outset?
    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) £3290.25/£4000
    Net sales 2018 £614.82/£1000 PAYDOX18 (#15) Done £18918.90
    • thriftylass
    • By thriftylass 13th Apr 18, 2:25 PM
    • 3,359 Posts
    • 27,575 Thanks
    thriftylass
    Can I ask why you are planning on drip feeding it in, rather than just remortgaging for a lesser amount from the offset? Obviously don't say if you'd rather not, but surely you'll be paying interest in drip feeding it in, rather than having the smaller sum from the outset?
    x
    Originally posted by greent

    It'll only be £1000 and you're right I could just pay that in at renewal, doh. I initially thought I drip feed it as it obviously won't come over the usual 10% overpayment limit but some have a monthly overpayment limit of £500 etc. So wanted to wait and see what the new conditions are.
    NST June
    SFD 5/20 spends 474 (incl MOT which I might claw back form savings if needed)/540
    Exercise 5/20
    Debt - all 0% 1015 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 102400 (07/18) OP 0
    • greent
    • By greent 13th Apr 18, 5:22 PM
    • 7,238 Posts
    • 73,552 Thanks
    greent
    Today I am grateful for getting out and about with dd, for ibuprofen gel + heat packs, for getting another bagful to the charity shop, for the trees getting all fuzzy, for dh having some extra work, for aldee stocking their cheap big packs of bacon again, for the library, for dd's crafting skills (she made a beautiful dress for one of her sylvan1an fam1lies creatures), for a dry day.
    Originally posted by apple muncher
    Hope you're ok, apple... 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) £3290.25/£4000
    Net sales 2018 £614.82/£1000 PAYDOX18 (#15) Done £18918.90
    • greent
    • By greent 13th Apr 18, 6:55 PM
    • 7,238 Posts
    • 73,552 Thanks
    greent
    Day 13
    Aim for at least 15 NSDs. Usual exceptions apply, - Now 5/15
    Pay to your debt or savings first and live off the rest. - ok (done)
    Report in every day. ok
    Interests -- am going to ease myself back into fitness this month and read more -running total -2 walks, 4 books.
    Love yourself - using up face creams etc (micellar water, serums) on a daily basis - hoping my skin will benefit -

    Find time to get outside. - - nope,
    Overpay - aim to pay 20% extra to your debt or savings. - 6 items listed on flebay to help with this. Put an extra £250 to the savings acct for final pymt on OH's car - Also so far an extra £250 set aside for OH's car from fleabay and previously missed/ unclaimed expenses.
    Organise your month. - DS1's 18th birthday mid month - that's gonna cost...... (all presents now bought/ ordered)
    Lose one bad habit. - a certain game which I've spent waaay too much time on in March.... - not touched it today (this has gone very well)
    Sign off your daily post with a list of gratitudes. - yes
    Today I am grateful for:
    * not spending!
    * a lovely painter guy
    * prompt paying flebayers
    * large packaging supplies held and now being used on fleabay!
    Budgets:
    Food 187.02/450
    Travel 59/ £75
    Gifts (inc cards etc) 8.25/£150
    Toiletries 6/£10
    Cleaning 10.70/ £10 (stocked up on dwasher tabs)
    Social £150 - need to update this with spends from pub last night - 1 round of just 2 drinks
    Clothing 132.60/ £75 (OH 2 x boots, 1 x coat, DS1 Y13 Leavers Hoody)
    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) £3290.25/£4000
    Net sales 2018 £614.82/£1000 PAYDOX18 (#15) Done £18918.90
    • Kerry Woman
    • By Kerry Woman 13th Apr 18, 7:23 PM
    • 2,418 Posts
    • 23,569 Thanks
    Kerry Woman
    A - 8/15 NSD today.
    R - Done.
    I - Nothing done today.
    L - Had a lovely relaxing bath, herbal tea and lavender oil in the burner.
    F - Walked to and from bus stop to my Dad's house which is about 10 minutes each way.
    O - Done.
    O - Still ongoing.
    L - Ok with social media today.
    S - Grateful for:
    Catching up with a few household chores.
    Nice weather.
    Having some chill out time.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST - Achievable August NSD 15/20
    • LavenderBee
    • By LavenderBee 13th Apr 18, 7:54 PM
    • 305 Posts
    • 1,553 Thanks
    LavenderBee
    A - 10/18 NSD today.
    P - Done, still drip feeding in any pennies saved into my main savings account
    R - Done.
    I - Found a really easy baby cardigan pattern to attempt, though I may make it a maternity leave project. Must carry on with blanket squares in the meantime
    L - Bath and pilates done

    F - I will do my press ups later if I'm feeling less sick - I do raised leg ones so I don't hit my bump on the floor! Ended up walking further than my pain free distance to a nurse appointment this morning
    O - As per 'P'
    O - Requested birthday present ideas, money set aside separate from my spending budget once I have an answer!
    L - I've had 6 chocolate coin things today
    S - Grateful for:
    Finishing sorting out baby stuff
    NHS care for unborn little one
    Finding even more meals I can make from stores. Trying to spend £20 or less on groceries for the rest of the month, should be achievable (though I'm planning on spending £2.50 of that on some half price Epsom salts if I can get them!)
    • apple muncher
    • By apple muncher 13th Apr 18, 7:54 PM
    • 7,569 Posts
    • 57,067 Thanks
    apple muncher
    Indigo warrior - hope things are ok with you. You have a lot on your plate. Hugs.
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: £3113; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £20,031 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 13th Apr 18, 7:59 PM
    • 7,569 Posts
    • 57,067 Thanks
    apple muncher
    Hope you're ok, apple... xx
    Originally posted by greent
    Thank you greent. I managed to pull a muscle in my neck/shoulder. I did itduring my latest kettlebell workout (where I was feeeling so good that I did a 3 min finisher of swings) but had no pain or inkling that I'd hurt it until I'd finished and started to cool down.No amount of stretching would help to ease it so I let it be yesterday. Today it has minimised my ability to move my head/neck,but it is starting to feel a little better.

    No kettlebells for a few days then!
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: £3113; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £20,031 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • apple muncher
    • By apple muncher 13th Apr 18, 8:05 PM
    • 7,569 Posts
    • 57,067 Thanks
    apple muncher
    Today I am grateful for getting out and about early, for picking up my new specs, for getting more coir compost and some tom plants, for meeting up with dh, for doing more sorting and clearing, for ibu gel + heat pads again, for finishing another sleeve for dgs' cardigan.
    NST August Achiever #16; NSD 9/15; Ex 14/20 ; craft 12 (105); remove 21 (593)
    2018 Pay off: £3113; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £20,031 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 13th Apr 18, 9:51 PM
    • 801 Posts
    • 4,924 Thanks
    swimminginaseaofdebt
    Evening everyone,

    Ended up not going swimming today, just pottered around the house meaning I notched up NSD #5.

    Sent £35 to the full and final fund bringing its total up to £64.65/£2100.

    Have had a read of my book, nothing else to report.
    Pay all debt off by Christmas 2018 #150 - £895.62/£2018
    SPC11 #564
    • lcc86
    • By lcc86 13th Apr 18, 10:17 PM
    • 1,015 Posts
    • 3,190 Thanks
    lcc86
    Was naughty today and bought chips for lunch. Thought it would be okay as I was due to go to kickboxing, but that got cancelled. Then I thought it's okay I can go swimming! Turned up to the pool and they were about to close it as it had been hired out by a group. The online timetable didn't reflect the reality so I took a paper one and plan to go back in the morning! Did a little workout at home instead but not as much as it would've been.

    Because of the lack of sporting activity I essentially wasted a NSD as I bought lunch thinking I'd be spending later anyway. So I'm up to 4 spend says for the month, tomorrow will be 5. Perhaps I wasn't realistic with my aim to only have 5 spend days given I attend the odd exercise class which inevitably involves spending. I'm still keeping spends down so it's not the end of the world I suppose. I broke my handheld hoover so will need to replace some parts, am glad I have the emergency fund now. Even though it's unlikely to be expensive it would've thrown me not so long ago.

    Might not be able to check in over the weekend, I'm snowed under with my dissertation so have to focus on that. It's the first time I've really not wanted to be committed to horse riding each weekend as I could really do with the extra time but it's good to get out and it's good to do some self care!

    Anyway, apologies for the ramble. Hope everybody has a good weekend and that the weather starts to brighten up.
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    £843/£1000 EF £500 saved for household jobs
    Debt free and in the black for the first time in 11 years
    • sashanut
    • By sashanut 13th Apr 18, 11:04 PM
    • 2,892 Posts
    • 26,810 Thanks
    sashanut
    No 2 checking in
    Hi all

    Aim for at least 15 NSDs. Usual exceptions apply, you won't lose a NSD for ys items, petrol or medical expenses. NSD today so 7/15 NSDs

    Pay to your debt or savings first and live off the rest. Added up March's expenses - horrifying is the word. Still need to split up cc spends to see what went where. Now have cc statement ready to total. Will need to use savings to pay for hols..in 10 days time! Will be able to use savings for holiday spends now..

    Report in every day. The daily support from this thread will keep you on track Here again..13/30


    Interests - is there any hobbies that you'd like to take up or perhaps an old hobby that you'd like to start again. This is the month to do it, let us know what you plan to do Have 2 so far - collecting hobby I have & someone got in touch to buy something connected to it - 4 years ago!! She got back in touch 2 weeks ago, have emailed her today & will attempt to find the item she wants...it's win-win as it will be money for savings too. Also, have Fairisle cushion to finish, usually do mindless knitting in front of TV, this doesn't come under that so never gets done. Finally retrieved fairisle cushion from back of chair where it was stuffed; realise to my shame haven't touched it in 18 months..despite that managed to find my place in the pattern & actually do a couple of rows. Bless highlighter tape!! Finally managed to identify all the different colours of the wool - hard when they are called irrelevant names & are missing the ball bands - only to realise I am missing a colour. Shan't need it until almost the end, might just use what I have left over. Will take my craft stuff on holiday as I can do it in the evening, very relaxing.

    Love yourself, do something to make yourself feel fab - wear a bright scarf, get your eyebrows done, have a bath, put on your fave perfume. Perfume today!

    Find time to get outside. Lighter nights are now here so get out in the garden, go for a walk. Fresh air is good for everyone. Nearly finished 3rd garden border now & clean up round back (think Steptoes yard) going well. Just need DH on board to get rid of some more junk.


    Overpay - aim to pay 20% extra to your debt or savings. It's up to you how you do this - overtime at work, saving money on the food bill, selling items. Will deffo try, will be in the form of selling collectibles or ebaying. Making a PAD every day to keep cc balance under control.

    Organise your month. Check your cupboards, make a meal plan and stick to your food budget. Plan any social events and budget for them, ideally come up with free alternatives. Will do, need to reduce freezer stocks. Another meal from stock & using up things we had in. Also made 2 loaves of sourdough..

    [/COLOR]Lose one bad habit. Mine's is a food related one but it can be anything you like. No snacking between meals. No snacking today, but did eat a piece of chocolate Easter egg after supper...grr/

    Sign off your daily post with a list of gratitudes. Grateful for: Little robin visiting again whilst I was clearing up outside, more camellias open & little bits of colour showing in the garden, nice supper & starting to feel a bit better with cracked rib...after 2 weeks..
    New start JAN15 - NOT BUYING IT 2015 . Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE
    • mothernerd
    • By mothernerd 13th Apr 18, 11:04 PM
    • 2,477 Posts
    • 25,898 Thanks
    mothernerd
    Tidying is underway. Feeling disappointed by lack of progress so very glad that I wrote down what I have done. Still looks a mess but there is a chair I can sit on and parts of the floor are visiable (have scooped up three trays full of stuff but still more down there (it is all tiny bits like buttons and sequins and tiny scraps of paper that may be seful or may be rubbish). Found some money as well but saving it to count later.

    Have just had a snooze so will be settling down for the night soon. I have done my food stock check - went down, put food in the oven, washing in the machine, five trips to the bin with recycling and the stock check whilst waiting.

    Brought as many bags for life back up with me as I could find - things to go out of the house (mum's/ library/ cs) are bagged and things that should be somewhere else (already taken a bag of diy - tools/ screws and hooks etc downstairs) and started bagging things by categories (larger clothing items with a small carrier for all the odd socks, gloves etc inside).

    I have 2 more days, I will continue plodding. Short snooze seems to have got rid of the pesky headache that would not shift.

    Today I am grateful for progress, however slow, for not going outside (saw the man setting off on the motor mower - if they have to have grass round the church and library, why can't they leave it alone), for a good sleep (catching up + cough is really aggressive + shoulder is nagging already), for feeling cocooned (in a good way - although waking up feeling 40 years younger would be fun), for a good book t look forward to.
    This year I will be fierce
    NST Aug #4 SFD 7 /15 Food £158.47/£200 Travel 13.50/£15 Ent/diy £0/£30 Ext £250 washer £250 wedding present
    No Debt No mortgage
    • CosmicZebra
    • By CosmicZebra 13th Apr 18, 11:13 PM
    • 30 Posts
    • 328 Thanks
    CosmicZebra
    Definitely not a NSD today. Almost £200 gone on various things, but all of them necessary-ish.
    Nothing in savings.
    Made a cake and also a pair of trousers- both turned out v well.
    Day 5 alcohol free. Not missing it at all, which is good.
    Hope everyone has a nice weekend.
    Savings from frugal & simple living:
    Jan ISA& Save Acc £1600 Mort o/paid £250
    Feb ISA&save acc £1330.89 Mort o/paid£500
    March ISA&save ac£811.35 mort o/paid £250
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,569Posts Today

9,349Users online

Martin's Twitter
  • Ta ta... for now. This August, as I try and do every few yrs, I'm lucky enough to be taking a sabbatical. No work,? https://t.co/Xx4R3eLhFG

  • RT @lethalbrignull: @MartinSLewis I've been sitting here for a good while trying to decide my answer to this, feeling grateful for living i?

  • Early days but currently it's exactly 50 50 in liberality v democracy, with younger people more liberal, older more? https://t.co/YwJr4izuIj

  • Follow Martin