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  • FIRST POST
    • misstara
    • By misstara 28th Mar 18, 10:20 PM
    • 2,721Posts
    • 19,287Thanks
    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 £815.50 (64.6% paid)
    Car debt Nov 2017 £797.68 Now £545.50 (31.6% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 9/16. Groceries target £163.24/£200. NSD target 8/19.
Page 20
    • mothernerd
    • By mothernerd 17th Apr 18, 9:49 PM
    • 2,363 Posts
    • 24,574 Thanks
    mothernerd
    Taxi to and from doctor's, spent on food at little shop there and came straight home to bed. Everything hurts and it's quite difficult to find a comfortable position to sit or lie in (I will not feel sorry for myself). Took bags with me as I was hoping to make a start on mum's shopping but no chance. Slow hobble round the infirmary. Have an appointment for another steroid injection next week.

    Ate whilst waiting for the taxi home, took painkillers, slept, ate, woke briefly (did not stay awake long enough to take teatime pill), woke 7pm - where did my day go?. Phoned mum to check on her - she is feeling really good but thought I didn't. Nurse visited today and people will be calling in over the next three days so she will not be alone. Cut has healed well and been left without a dressing - they will check again but think it will be okay.

    Life is a matter of balance and for me, atm it is knowing when I could and should do more and when I just have to settle down and give my body a chance to heal. Killer headache is back but that may be because i am drinking less water (because it's difficult o get up and downstairs and the abthroom tap doesn't fill the bottle properly - get just as much in a cup). Need to update my mood chart and then it may be an early night.

    Hugs to everyone.

    Today I am grateful for hot baths (blissful), for good reading matter, for puzzles to test if I am thinking logically (bit hit and miss atm) and for easy food. DS3 has paid me - he owed me a payment. Will it count for the challenge that I get two payments off him this month (he pays me, from one of the pots of money he has coming in, every four weeks, but as I budget monthly, his birthday month has a 'bonus' payment. Otherwise it will have to be all the money I have found whilst clearing up.
    This year I will be fierce
    NST May #13 SFD 8/19 Food £86.83/£120 Travel £11.70/£15 Ent £3.44/£30 (+ £20 membership fee)
    No Debt No mortgage
    • LavenderBee
    • By LavenderBee 17th Apr 18, 9:56 PM
    • 262 Posts
    • 1,230 Thanks
    LavenderBee
    Happy new car Apple!

    An unexpected spend day - my cat has kindly thrown up a couple of times recently and I was dangerously low on carpet stain remover. It all felt a bit perilous so I bought another one for the cupboard in case there isn't "just one more go" in the old bottle. Between pets, clumsy me and a newborn it'll get used... Also bought myself some rocket (a healthy pregnancy craving), and put money in a collection at work.

    NSD: 11/18
    Groceries: 93.91/200
    Personal: 57.52/80
    Gifts: 2.20/15 (this may need topping up as the recipient has asked for something more expensive )
    Diesel: 51.06/60

    No chores, hobbies or self loving today. Just been one to get through!
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 17th Apr 18, 10:03 PM
    • 736 Posts
    • 4,214 Thanks
    swimminginaseaofdebt
    Evening everyone

    Didn't get a chance to check in yesterday but had a NSD and another today. That's me at 7 now.

    Sent £21.36 to the full & final fund which now stands at £96.36/£2100.

    Have chased up a refund I was due from Debenhams so that's £100 winging its way towards me to be divided up between my pots.

    Missed my regular bus on the way back from picking the wee one up from the childminders so took an alternative one that dropped me off further from home and walked back the rest of the way.

    Have been reading my book on the way to and from work and during breaks.

    Managed to grab a shower this evening, small victories.

    Wanted to do a wash ready for hanging outside tomorrow but it's a little late now. Ah well.
    Last edited by swimminginaseaofdebt; 17-04-2018 at 10:45 PM.
    Pay all debt off by Christmas 2018 #150 - £895.62/£2018
    SPC11 #564
    • LavenderBee
    • By LavenderBee 17th Apr 18, 10:04 PM
    • 262 Posts
    • 1,230 Thanks
    LavenderBee
    I meant precarious. Flaming autocorrect...
    • misstara
    • By misstara 17th Apr 18, 10:31 PM
    • 2,721 Posts
    • 19,287 Thanks
    misstara
    NSDs - 10/15, spent £10.27 on toiletries and cleaning supplies
    Report - 17/30
    Interests - went for a walk after work
    Love - perfume on for work
    Outside - had a lovely walk round the park
    Overpay - nothing today
    Organise - just work stuff
    Bad habit - no crisps
    Gratitudes - seeing all the daffodils in the park, hm fish and chips for tea and a good chat with my sister
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £815.50 (64.6% paid)
    Car debt Nov 2017 £797.68 Now £545.50 (31.6% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 9/16. Groceries target £163.24/£200. NSD target 8/19.
    • Fmess
    • By Fmess 18th Apr 18, 6:13 AM
    • 2,702 Posts
    • 25,894 Thanks
    Fmess
    SFD number 11 yesterday. Should be going swimming tonight but that!!!8217;s prespaid for. Looking forward to the warm weather that!!!8217;s arriving today
    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
    • DancingDragons
    • By DancingDragons 18th Apr 18, 7:36 AM
    • 113 Posts
    • 1,293 Thanks
    DancingDragons
    Internet's being dodgy, so quick update & will read later. Yesterday turned out to be spendy - our wedding anniversary and we over spent. I don't feel guilty. Two-for-oned tickets, and two dine for a tenner M&S.
    Not as glam as the friends FB posts, but enjoyable all the same.
    More spending today, pre-budgeted, but really, do feel guilty for going to hairdressers. I'm going to put it under Love Yourself.
    Remember the suncream today folks! I plan to make the most of our one day summer in Yorkshire.
    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
    • thriftylass
    • By thriftylass 18th Apr 18, 7:37 AM
    • 3,306 Posts
    • 27,076 Thanks
    thriftylass
    Good morning, really looking fwd to the warmer weather too.

    The mysterious pending £180 have now disappeared from my Cc. Today should hopefully be another SFD and I might get a wee free poly tunnel from a colleague.

    Have a nice day

    EDIT. Good news is the insurance claim for the hire car damage went through successfully. Always a bit doubtful for some reason.
    Last edited by thriftylass; 18-04-2018 at 8:49 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
    • dolly84
    • By dolly84 18th Apr 18, 10:16 AM
    • 3,836 Posts
    • 35,598 Thanks
    dolly84
    Had a puncture on the way home from the school run today, no spare either. Am in the AA so they put a temporary tyre on and followed me home. Luckily DH is off work tomorrow so he will be able to get a replacement tyre. He has to finish work early today too to pick the kids up, he wasn't happy about it but I'm not sure what he expected me to do.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • laurenh1
    • By laurenh1 18th Apr 18, 12:20 PM
    • 466 Posts
    • 4,887 Thanks
    laurenh1
    Good afternoon lovely turtles

    A- Today is a spend day, I have been eyeing up some books from amazon and decided to buy them with the £5 credit off a £25 spend. Plus I need to go to Aldi tonight anyway as I am dangerously close to running out of nappies/milk/cat food.
    P-having a chat with hub tonight to see if we can use some of our EF more productively. Only 4 months left of not having much spare & I am so excited to see the end of it. Need to chat to work about potentially upping my hours too in September.
    R- Hello
    I- no baking today, although I have made the soup I am having for my dinner. Trying to make more healthy choices and I tried Courgette spirals mixed in with my spaghetti pasta on Monday- it was lovely and the kids ate it which is a bonus.
    L- treated myself to the books, not very I know.

    F- planning to take the kids to the park tonight for 10 mins. Lots of outdoor things planned for the weekend.
    0-not much organising other than looking at our bills.
    0- not a lot of room to over pay. although I have had a slight pay increase. It is only small, but enough to help cover the cost of our additional pension payments. I don't want to give this up, i know I need to pay as much as I can in to it but while I am not making any profit from coming to work, it stings a little to lose even slightly more. so I am chuffed by the rise.
    L- left my phone at home today accidental but still.
    S- Grateful for the sunshine, my lovely boss bringing me in some of her old clothes, she wears much more designer stuff than me and I am always chuffed to get her hand me downs and for my baby boy being dressed up as a dinosaur when I dropped his nappies into nursery
    • f0xh0les
    • By f0xh0les 18th Apr 18, 12:29 PM
    • 1,404 Posts
    • 11,493 Thanks
    f0xh0les
    Today will not be a NSD as DS1's mattress topper will not fit in the 7kg washing machine. So I will toddle down to the launderette and avail myself of their large washers. Then will line dry it in the hot summer sunshine. and hopefully get it back on the bed before DS1 comes home tonight. So an unexpected unplanned for spend. Not much of a spend, but still, hopefully his room will smell sweeter.


    Booked in a plasterer for next week. Loving myself by improving my living circumstances and then beginning a unique skin care regime of white emulsion therapy.

    Missing DS1 even though I never see him, he comes home today. Probably starving and knackered. Would not fancy being on a coach today - warm weather forecast. Boo.

    Grateful for anti-histimines - eyes itching out of my head already. Breathing hurts, it burns.
    Grateful DS1 will be home tonight (he was warned not to come home pregnant)

    Planned unplanned spend - £40 on a decent sized flat screen tv for DS2's room so he stops stealing mine. I have been meaning to get one, but not got round to it yet. So did it today while I had to spend anyway.
    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
    • LavenderBee
    • By LavenderBee 18th Apr 18, 2:00 PM
    • 262 Posts
    • 1,230 Thanks
    LavenderBee
    NSD 12/18 for me. Should make my target I actually have cash in my purse for once, I might see if I can just use that until the end of the month, it would be an interesting mini challenge (not sure how much is there though).

    Grateful for:
    - The existence of rocket leaves
    - Healthy pregnancy cravings
    - Productive day at work
    - This thread for keeping me on track
    • Kerry Woman
    • By Kerry Woman 18th Apr 18, 7:58 PM
    • 2,308 Posts
    • 22,357 Thanks
    Kerry Woman
    A - 12/15 NSD achieved today.
    R - Done.
    I - Read book before work and during lunch time.
    L - Used coconut oil on my skin and put on perfume.
    F - Walked to and from bus stop to/from work.
    O - Done.
    O - Still ongoing.
    L - Ok with social media today.
    S - Grateful for:
    Got a cotton bag with my reading book and a few other things back, after I accidently left it on a bus. Waited at the bus stop near me for bus to make it's return journey.
    For the bus driver who found it and kept the bag behind his seat.
    For the lovely weather.
    For a good night's sleep.
    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
    • apple muncher
    • By apple muncher 18th Apr 18, 8:25 PM
    • 7,267 Posts
    • 54,695 Thanks
    apple muncher
    Kerry Woman - what a lovely bus driver!

    Today I am grateful for the weather, for good classes, for an unexpected kindness, for fresh water, for being able to walk, for seeing my dr, for a good book, for having both daffoldils and tulips blooming all over the place, for dd reacting well to an antihistamine tablet, for dh doing a wash!
    NST May #1; NSD 11/19 ; Ex 14/20 ; craft /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
    • Kerry Woman
    • By Kerry Woman 18th Apr 18, 8:39 PM
    • 2,308 Posts
    • 22,357 Thanks
    Kerry Woman
    apple muncher - I totally agree with you.
    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 18th Apr 18, 9:38 PM
    • 7,006 Posts
    • 71,532 Thanks
    greent
    Day 18...
    Aim for at least 15 NSDs. Still 6/15 Didn't spend on any budget items below, but did buy a Tupperware container from t'bay - matches my others and was a bargain and I've been looking for one just like it (not a popular size) for my bread flours. Just need one more now....
    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, 5 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. - YES! Glorious day here - washing out by 8.20 and dry before midday. Spent 45 mins in the garden this afternoon weeding, planting, pruning
    Overpay - aim to pay 20% extra to your debt or savings. - Put an extra £250 to the savings acct for final pymt on OH's car - Also so far an extra £285 set aside for OH's car from fleabay and previously missed/ unclaimed expenses. Also paid over £200 OP to BTL mtge UPDATE - Paid off OH's car in full today! (had to raid some accounts and now totally skint for a couple of months in order to repay them)
    Organise your month. - DS1's 18th birthday mid month. Have also ordered presents for DS3's birthday (late mid May)
    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:
    * jiggling money to get the car paid off (saving interest)
    * beautiful, glorious, warming sunshine!
    * sorting paperwork
    * line dried washing
    * getting everything ironed before 1pm
    * life
    Budgets:
    Food 249.00/450
    Travel 64.60/ £75
    Gifts (inc cards etc) 78.03/£150
    Toiletries 6.89/£10
    Cleaning 11.19/ £10 (stocked up on dwasher tabs)
    Social 85.50/£150 - (pub & bday lunch)
    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) £877.49/£4000
    Net sales 2018 £491.03/£1000 PAYDOX18 (#15) £13869.38/£18694.38
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 18th Apr 18, 10:03 PM
    • 736 Posts
    • 4,214 Thanks
    swimminginaseaofdebt
    Evening everyone,

    Went for lunch with my friend/work colleague today. We wandered around the shops after we'd finished and I picked up some tin foil bringing my spends to £231.56/£350.

    Also bought myself 3 pairs of shoes (much needed - boots, shoes and sandals for the holiday) and two packs of tights. Applied for the little ones passport online but need to get his photo taken still. Spends for all of these have/are coming out my 'spending money' account.

    Cashed out £1.57 from Qmee and received a £2 Amazon voucher from ipsos bringing my extra income to £27.50/£93.

    Sent the £1.57 to my holiday savings bringing that total up to £329.04/£500.

    Read a bit of my book on the way to work.

    Today I'm grateful for finding all of the shoes I wanted in the one shop, I'm not a fan of visiting multiple shops!
    Last edited by swimminginaseaofdebt; 18-04-2018 at 10:12 PM.
    Pay all debt off by Christmas 2018 #150 - £895.62/£2018
    SPC11 #564
    • Puddleglum
    • By Puddleglum 19th Apr 18, 5:45 AM
    • 537 Posts
    • 4,411 Thanks
    Puddleglum
    Aim for at least 15 NSDs. 9/15 achieved.

    Pay to your debt or savings first Collected my payment from teaching Easter school yesterday. It's in vouchers so will be tucked away and used to reduce spending elsewhere.

    Report in every day. hello!


    Interests -

    Love yourself Making a real effort with the face cream.

    Find time to get outside. not managed this week.

    Overpay Wip.

    Organise your month Parents evening tonight.

    Lose one bad habit. Trying!

    Sign off your daily post with a list of gratitudes.
    Grateful for the warmer weather.
    "A thousand candles can be lit from a single candle without shortening the life of that candle."

    Pay off debts and save 2018. Time to turn my life around (candle moment).
    • Fmess
    • By Fmess 19th Apr 18, 6:00 AM
    • 2,702 Posts
    • 25,894 Thanks
    Fmess
    Morning all,

    SFD yesterday taking me to 12 Didnt swim yesterday as the weather was so nice, I came home and sat in the garden with the dogs for an hour, then did school work and walked to SW and back. Today will hopefully follow the same pattern, minus SW.

    Ywseyr I was grateful for the support at work from lovely colleagues, the sunshine, being in a good mood, my dogs, my health, the fresh air and having plenty of food.
    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
    • laurenh1
    • By laurenh1 19th Apr 18, 6:08 AM
    • 466 Posts
    • 4,887 Thanks
    laurenh1
    Good morning Turtles

    A-Today is NSD #10.
    P- hubs car tax has come through , as has mine which basically puts an end to my emergency fund. However it does save money to pay in full. We sat down last night & discussed our finances from now through to August & added in any little thing we could think of that will crop up between now & then & budgeted for it.
    R- Hello
    I- no baking today
    L- bought myself some new clothes last night. Basically since my youngest was born I've lived in leggings and over sized tops. I have now lost a stone & can get into my old jeans & I want to feel good about myself again. hair is finally getting cut Friday & I am going to make more of an effort with myself.
    F- took my LO shopping yesterday was nice to get out & about with him.
    O-sorted my budgets & started sorting through all my clothes
    O- no over payments
    L- leaving my phone alone at work & getting on so much better for it
    S- grateful for my new books arriving today , the ladies in next being kind to my boy, getting my fat bum into all my old clothes
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