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  • FIRST POST
    • greent
    • By greent 30th Jun 18, 10:17 AM
    • 7,339Posts
    • 74,405Thanks
    greent
    NST 07/2018 - Survive July!
    • #1
    • 30th Jun 18, 10:17 AM
    NST 07/2018 - Survive July! 30th Jun 18 at 10:17 AM
    • The challenge runs from 1st - 31st July 2018
    • NSDs - if you like to monitor NSDs, choose either the gentler target of 13 or the stretching target of 20 - or set your own somewhere in between! Usual exceptions (fuel, YS items, medical (inc for animals!) etc) apply
    • Remember others - donate money/ items/ time to a charity of your choice. Helping at PTA events comes under this! As do Random Acts of Kindness (RAOKs)
      Pay to your debts or savings FIRST and live off the rest

    • Set your budgets
    • Use things up - not just food in cupboards & freezer, but toiletries and excess cleaning products etc - share your wins! Using something up instead of buying something else is
    • Revisit those targets you set back in January. We are halfway through the year !!!8211; how are you doing? - do you need to tweak things to stay/ get back on track or set some new targets/ aims?
    • Vacation time !!!8211; school hols have started for those in Scotland, I believe. For England & Wales the school hols will start this month. Budget accordingly - what free or low cost things can you find to do? - especially for any rainy times. Maybe check local faceb00k pages for details of what!!!8217;s on and any offers. And for those with no bother for school holiday periods, they may be planning their Summer getaways or days out. Make the most of any memberships you have (you've already paid for them, after all! ) and any vouchers you can find. Gr0up0n sometimes has good deals for different things to do - check the local page for anywhere you plan on visiting to see if there are deals on local attractions/ restaurants.
    • Inspire others - share your ideas on here of things to do with kids/ how to keep holiday costs down/ what things you!!!8217;ve used up (especially if you!!!8217;ve used them as a substitute for something)
    • Value for money -research for any planned (or unexpected ) spends. Don't forget cashback sites for purchases. Often banks seem to have offers you can activate for cashback on debit card purchases - if you're going to spend then getting some money back is a bonus!
    • Every day - check in and also remember your daily gratitudes.


    • Jump - or run, garden, swim, walk !!!8211; we all know that being active is good for us - ideally 3 or more sessions a week. Take care in warm weather and stay hydrated.
    • Unless budgeted, no takeaways, coffee shops, lunches out etc. Picnics for days out are great - maybe have a budget for ice creams and extra drinks for the way home. Social plans are hopefully already thought of (birthday meals/ takeaways/ night in pub for football etc) and can be budgeted accordingly
    • Lose the excess. Most of us have too much stuff. Declutter. Use things up. Donate to a worthwhile cause. Sell books/ CDs/ old games on Z1ff1t/ Mus1c Magp1e (not forgetting to go through a cashback site first) Sell on flebay/ gumtree/ faceb00k/ car boot sale - any money made can either be put towards debt/ savings or maybe summer treats (you all know your own situations and what would work for you) If there's excess weight, maybe jump/ run/ walk a little more and be mindful of what you are eating. Perhaps keep track on here of items/ lbs lost and £s made
    • Yearly plans -we are halfway through 2018. If you haven't planned on how to finance Christmas/ birthdays in the second half of the year/ DIY things which need doing (we keep an ongoing list of large and small jobs and try to knock something off it each month)/ any holiday plans you may have - NOW is the time to think about this. Perhaps draw up a list of birthdays between now and January and also a Xmas list and keep an eye out for items/ put money aside monthly. Don't forget yourself -make a list of what you!!!8217;d like for Xmas and then you'll be prepared when asked!

    So come along for the journey, Turtles - let's encourage one another to not just survive July, but to enjoy it as well! xx
    Last edited by greent; 02-07-2018 at 3:58 PM.
    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) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
Page 5
    • Kerry Woman
    • By Kerry Woman 3rd Jul 18, 7:13 PM
    • 2,452 Posts
    • 23,906 Thanks
    Kerry Woman
    greent - Thank you.

    NSD 3/20 NSD achieved today.
    Will be making donations this month to charity. Still to do.
    Set - Done the budget for the month.
    Use - Will definitely be doing this. Still using up things already in.
    Revisit - Am going to set new goals. Made a list of goals and bucket list.
    Vacation - Not going on holiday. Planning to have some days out/experiences.
    Inspire - Will try.
    Value - Will look into this.
    Every - Have done. Grateful for:
    Speaking to my niece on the phone as she is 21 today.
    Managed things in work even though it was busy.
    Getting home early again.
    Having a good night sleep.
    Doing self-care today.
    Jump - Will definitely do walking as it will help my mental health also. Walked to and from bus stop/work also walking around school doing errands today.
    Unless - Not needed today.
    Lose - Shredded more paperwork and put it into the recycling bin. This last the last bit of paperwork for now. Also put some items aside for cs.
    Yearly - Have made a list as to what needs to done or going out trips/experiences/voluntary work for rest of the year.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST September: Sunshine Challenge NSD 13/20
    • EarlyRetirement
    • By EarlyRetirement 3rd Jul 18, 7:15 PM
    • 62 Posts
    • 249 Thanks
    EarlyRetirement
    Check In 3/31

    NSD 2/15

    Set budgets - Today's spends were on petrol £12.00 & salad for tea £2.00.Posted 5 parcels today, no cost to me.
    Use things up - Make potato salad for tea with home grown potatoes & chives.
    Every Day - Grateful for - The sunshine, home grown food and not coughing very much today.
    Jump - Had to go visit a client today and as it was local I walked there and back.
    Lose the excess - Been in the garage and sorted 2 bags of rubbish to go to the tip. Been making an effort to drink plenty of water today and eat healthy, hopefully I will lose a few lbs when I weigh on the weekend.

    Have a good evening all.
    Last edited by EarlyRetirement; 03-07-2018 at 7:19 PM.
    • Omg7kdebt
    • By Omg7kdebt 3rd Jul 18, 8:19 PM
    • 8 Posts
    • 85 Thanks
    Omg7kdebt
    I know I’m a few days late - please can I join?
    • apple muncher
    • By apple muncher 3rd Jul 18, 8:26 PM
    • 7,682 Posts
    • 57,979 Thanks
    apple muncher
    Today I am grateful for plenty of walking, for a good session with my counsellor, for meeting up with an old friend, for being content with my lot (at the mo, anyway!), for my lovely dd, for the non-gardening neighbours actually starting to clear their totally overgrown back garden, for a super long phone call with big sis, for aldee's sweet chilli sausages.
    NST September Sunshine #4; NSD 8/21; Ex 8/21 ; craft 7 (121); remove 32 (621)
    2018 Pay off: £3437; 2
    018 sell £49.10; WLOSW 1/10

    Mortgage £19,614 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • mummylewis
    • By mummylewis 3rd Jul 18, 8:46 PM
    • 91 Posts
    • 889 Thanks
    mummylewis
    Evening all

    Knew today would be spendy so still on 2/18 NSDs. Spent £40 at Aldi, total is a lot less than it would have been if I went to Sainsburys though! Meal planned and wrote a list, stuck to the list - win.

    Grateful today for DD being super well behaved at playgroup in a new setting, and (never thought I'd say this at all) England doing well **no spoilers here **

    Tomorrow should be spend free so will check in again then.

    Have a great evening all

    MLx
    Money Saving since 2016 and determined to be debt free by 2020.
    • gien
    • By gien 3rd Jul 18, 8:47 PM
    • 1,622 Posts
    • 15,490 Thanks
    gien
    checking in for today and yesterday. Monday was a NSD, I went to work, came home ate and went to bed pretty much. Today though I went and got all the supplies for my baking for the market, so I am ready to go when ever I want.
    I've not done any exercise because I 'tweaked' one fo the tendons in my groin so spent most of yesterday with a gentle limp - much better today though I have to say
    Trying to keep in budget.

    2270
    • indigowarrior
    • By indigowarrior 3rd Jul 18, 9:00 PM
    • 671 Posts
    • 5,045 Thanks
    indigowarrior
    Spend day. Bought some slimming world stuff. Feeling a little low today but hopefully will pick up soon.
    #545- SPC September No Spend 4/15
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 3rd Jul 18, 9:12 PM
    • 815 Posts
    • 5,074 Thanks
    swimminginaseaofdebt
    Evening everyone,

    Day 3 update:
    • NSDs - 15 - 2/15
    • Check in every day - will try my best - 3/31
    • Jump - will walk as much as I can, would like to do other forms of exercise but being a single parent of a 2 year old puts a stop to this. Wish there was affordable gyms with crèche facilities - walked to the library and back
    • Social - have 1 lunch planned and 1 potential dinner. Will allow a visit or two to soft play with the little one - missed the lunch as little one has a sickness bug
    • Lose the excess - will try to declutter the flat a little - big sis gave me 2 massive bags of clothes for the little one so flat is now even more cluttered!
    • Yearly - build up my Amazon balance through surveys for nephews birthday in October and presents next year - £10 Argos voucher redeemed from Valued Opinions
    Debt 1 - £182.93/£2538
    SPC11 #564
    • misstara
    • By misstara 3rd Jul 18, 10:39 PM
    • 2,872 Posts
    • 20,324 Thanks
    misstara
    Still on 1/13 NSDs as went for a drink with a friend and also did a very small top up shop. Went for a run which was very hard going in the heat but feel better for doing it
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £570.94 (75.2% paid)
    Car debt Nov 2017 £797.68 Now £406.58 (49% paid) + monthly payments £146.82 9/60
    Emergency fund - £77.04/£1000. Car fund - £240/£1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target £74.23/£200. NSD target 6/20.
    • shabbychic12
    • By shabbychic12 3rd Jul 18, 11:15 PM
    • 92 Posts
    • 521 Thanks
    shabbychic12
    Checking in for the first time in July. First 3 days have been real spend days so hoping for tomorrow and Thursday to be my first nsd of the month. On the plus side l did find £5 on the floor and hv added it to my jar.
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 £1182/£12000:
    £28/week saver
    All this saving l'm turning into my Dad
    • sashanut
    • By sashanut 3rd Jul 18, 11:32 PM
    • 2,923 Posts
    • 27,108 Thanks
    sashanut
    No 12 checking in
    Hi all

    Will try for 13 NSDs & hope to get nearer to 20....2/13 still

    Set your budgets not yet done
    Use Most definitely want to do this; have a mountain of food & stuff to clear. Have been sorting but it is a big task, not made easier by being unwell for the past few days & find the hot weather difficult especially when unwell. Will record progress on here to call me to account. Must view house as massive shop full of items which can be (mostly) sold. Have already discovered loads of clothes etc than I can either wear or sell. Also have makeup & toiletries, need not buy any of those either..still a bit poorly but managed to wash & iron some clothes & list a few on FB selling sites. One sold straight away but they've not paid yet, if the others don't go I will list on ebay..looks like all 3 people who expressed interest paid up, so 3 items sold..will post them out tomorrow & list more.


    Revisit Targets were like other peoples I think, to lose weigh (not really); to declutter - some progress; to stop wasting money - also some progress there..will list any weight losses/stuff leaving the house/money gained by selling...when it happens.. OK £44.26 so far..

    Vacation Have already booked to go to Ireland for 3 weeks from July; aim to sell some stuff to pay for spends over there. Will also be planning some days out & at least another visit to the Old Country later in the year, probably 2. Started to list stuff but no income as yet, income now as above - need to earmark it so it doesn't get assimilated into community chest!


    Value Always do try to use cashback sites where possible, and find value for money in shopping. Also have a card which gives me vouchers; and do some work which pays in vouchers too. Use cheaper supermarkets & have HB & Fultons here as well, which are both good for some stuff. Shopping day today, will menu plan tomorrow & maybe another small shop this week to get a few bits not available in the discounters.


    Every Checking in 3/31

    Gratitudes: Sales of a few things already; some stuff taken to CS; properly on the mend now & feeling much better; DH negotiating a much cheaper deal with the BB provider; picking hg raspberries in the evening cool.

    Jump No jumping here either but in the garden every day when possible. Do try to drink water but struggle with this. In the garden this morning & tonight, mainly to water..

    Unless budgeted, no takeaways, coffee shops, lunches out etc. Nope

    Perhaps keep track on here of items/ lbs lost and £s made:
    So far have put on a pound & made £44

    Yearly we are halfway through 2018. Good idea, will have a big list of outside jobs that need doing/big/small & in between. Making big list tomorrow; also one of items to take to Ireland with us; menu planning; will be a very listy day tomorrow..

    Go turtles!
    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
    • GlendaSugarbean
    • By GlendaSugarbean 4th Jul 18, 5:36 AM
    • 146 Posts
    • 905 Thanks
    GlendaSugarbean
    Managed my first NSD of the month yesterday! Also despite a ridiculously early start this morning (left house at 5am and won't be back until after 9pm) I made coffee and breakfast and packed my lunch . So another NSD today - 2/13.

    *thriftylass* I'm envious of the mortgage OPs, I have a new mortgage but really need to focus on building up EF/ paying down CC rather than OPs. Especially as I know the summer will be spendy. I'll be starting as soon as possible.

    *indigo* hope today is a bit better for you.

    Checked bank and reconciled budget (it all matches), we have enough food in for the week and bought the last of the planned house spends on Mon (new blind reduced to a tenner). I did agree to transfer some cash to DH for bills but he will be paying that back (he's s/e so erratic income). Old me would have said 'eh, don't worry about it.' New me has plans for that cash
    • laurenh1
    • By laurenh1 4th Jul 18, 6:56 AM
    • 566 Posts
    • 6,052 Thanks
    laurenh1
    Good morning all



    Today is NSD #2.


    I decided last night to go to Aldi as I'd spent anyway. I ran there and then walked back as a way of getting my excersize in. Lost 1lb at weight watchers yesterday, it is coming off slower now but at least it is coming off. I've lost 19lb now in total, with 11 to go. I'd like this to lose another 4 this month.


    Also went to the park with the boys & we played tag. I've thought for a while that I don't do enough with our evenings , it tends to be tea, bath, bed. 20 mins at the park really doesn't hurt and I get to some weekly quality time with them



    My expenses were paid yesterday , so I now have £170 in the budget. & 60 for fuel (hub needed to fill up this morning)


    Chicken sandwich for lunch with left over chicken & stuffing. ham toasties for the kids tea (they get a proper meal at nursery) to use up our ham.



    I think that's all I've got to report , hope you all have a good day
    • thriftylass
    • By thriftylass 4th Jul 18, 9:31 AM
    • 3,381 Posts
    • 27,788 Thanks
    thriftylass
    *thriftylass* I'm envious of the mortgage OPs, I have a new mortgage but really need to focus on building up EF/ paying down CC rather than OPs. Especially as I know the summer will be spendy. I'll be starting as soon as possible.
    Originally posted by GlendaSugarbean
    Oh, I'll be starting very small too. 20-100 pounds a month to start with as I too need a EF, xmas money etc. Hopefully next year it'll be more a month. Will be getting £100 cash back once complete. DH want's to go for a nice meal when on holiday, I would just put it towards the mortgage, hey ho.

    Lost my SFD yesterday as we needed oil, toothpaste, kitchen roll and washing up liquid. Also found some still in pretty good shape mange tout and radishes for 2p each packet! Never see those kind of reductions often in Tesco.
    NST Sept
    SFD 4/20 spends ?!?!?/460
    Exercise 3/20
    Debt - all 0% 1200 to go from 5290
    DFD 11/2018 Mortgage 109343 (04/17) 102117 (09/18) OP 0
    • indigowarrior
    • By indigowarrior 4th Jul 18, 1:36 PM
    • 671 Posts
    • 5,045 Thanks
    indigowarrior
    Thank you Glenda
    Another spend day. :/
    #545- SPC September No Spend 4/15
    • Toni'sfriend
    • By Toni'sfriend 4th Jul 18, 2:20 PM
    • 1,610 Posts
    • 15,322 Thanks
    Toni'sfriend
    How are you today, Indigo? Feeling any better?
    • Omg7kdebt
    • By Omg7kdebt 4th Jul 18, 4:18 PM
    • 8 Posts
    • 85 Thanks
    Omg7kdebt
    2/15 NSDs for me this month. Today was a SD day but only a little - bought an expensive treat for my DS (£1.65 for a blinking cookie - I wish he didn!!!8217;t like them as much as he does. I wish I didn!!!8217;t buy them.) but I!!!8217;ve saved money by getting my partner to do a little top up shop on the way home instead of getting it myself so ... ok.
    I!!!8217;ve also managed to get some overtime at work. I hate doing it as they only pay flat rate but I!!!8217;ve since I decided to take control of my debt now, I promised myself I!!!8217;d do whatever they offered. 90 mins a day for 9 working days will add up, anyway.
    • indigowarrior
    • By indigowarrior 4th Jul 18, 4:31 PM
    • 671 Posts
    • 5,045 Thanks
    indigowarrior
    How are you today, Indigo? Feeling any better?
    Originally posted by Toni'sfriend
    Mentally I am okay. Physically had a migraine and feeling cold. Feel better now so thats good. Thank you for asking
    #545- SPC September No Spend 4/15
    • greent
    • By greent 4th Jul 18, 5:34 PM
    • 7,339 Posts
    • 74,405 Thanks
    greent
    indigo - glad to hear that you are feeling better now x

    Omg7kdebt - hello and welcome You are #28 this month Fantastic to hear that you are taking control of your debt


    DawnW - nice bonus that the NT gave you a refund

    Sashanut - great start to the month on the decluttering/ selling/ money-making!

    GlendaSugarbean - wow! That is a seriously loooooong day you have today Do you have an easy day tomorrow to make up for it?

    laurenh1 - I think that it's so easy as a parent to get caught up in the day-to-day hum-drum of life that taking time out such as you did to play in the park is great - and perhaps more of us could take a leaf from your book (I know that I should)

    thriftylass - amazing YS bargain radishes and mangetout!
    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) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
    • greent
    • By greent 4th Jul 18, 5:40 PM
    • 7,339 Posts
    • 74,405 Thanks
    greent
    Day 4
    • NSDs - 2
    • Remember others - DD to charity gone out.
    • Pay to your debts or savings FIRST and live off the rest - DONE £60 OP to BTL
    • Set budgets. Food 47.96/475. Fuel 0/65 Gifts 13/30 Toiletries 0/10 Cleaning 1.75/10 DD uni stuff 0/50 Clothes 0/100 Social 16.50/75
    • Use things up Ongoing.
      )
    • Revisit those targets you set back in January.
      My goals from the Jan thread:12 months: debt free (exc BTL mtge) A decent no of jobs completed from our 'to do' list for the house Fitter. Hopefully with 2 children at uni. Pensions sorted. - debt free achieved (exc BTL) some house jobs achieved, and plans for more. Not fitter (probably more unfit) Uni = waiting for results day! Pensions have been revisited and some changes made (will be an ongoing thing)
      5 years & 10 years - some progress made to longer term aims, but not much
      .
    • Vacation time No idea whether we're going on hol in Oct (not booking until after A level results) and no real plans made for summer hols with the kids - must get thinking cap on!
    • Inspire others -
    • Value for money -spends today were lunch out with colleagues and small food shop for lunchboxes.
    • Every day - here Am thankful for the weather (again), good colleagues, sat here with a gentle breeze from outside coming in, a fab gift from my boss (quirky)

    • Jump - 2 short walks today, that's about it so far
    • Unless budgeted, no takeaways, coffee shops, lunches out etc. - out for a meal with colleagues to celebrate end of exam season tomorrow - should be less than £15 and will take form social budget
    • Lose the excess. Flebay sale on Sunday of an item of DS3's. Have 2 more things to list. Charity bag is filling up ready to donate later in month. Have been through DS1's wardobe and drawers with him - some ragged, some handed down. Will weigh myself tomorrow and at month end.
    • Yearly plans -we are halfway through 2018. If you haven't planned on how to finance Christmas/ birthdays in the second half of the year/ DIY things which need doing (we keep an ongoing list of large and small jobs and try to knock something off it each month)/ any holiday plans you may have - NOW is the time - will make a list of people with bdays and those I need to get Xmas presents for and make a start, even if it is putting money aside.
    Last edited by greent; 06-07-2018 at 12:17 PM.
    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) £6100/£7500
    Net sales 2018 £655.15/£1000 PAYDOX18 (#15) Done £18918.90
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