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  • FIRST POST
    • Eager_Elephant
    • By Eager_Elephant 30th Jul 18, 8:59 PM
    • 4,484Posts
    • 26,081Thanks
    Eager_Elephant
    NST - Achievable August
    • #1
    • 30th Jul 18, 8:59 PM
    NST - Achievable August 30th Jul 18 at 8:59 PM
    Welcome to Augustís NST challenge.

    The flowers for August are the Gladioli and the Poppy which represents beauty, strength, love, marriage and family.

    So for August we are going to pick one of the above to work on Ė if you feel you have let your skincare routine go, or you have been saying yes too often to things or maybe you need to start loving yourself (or others) then that will be your focus this month.

    Rules:


    Aim Ė for 15 NSDís this month. If you think you can do more that is fantastic
    Medical spends, fuel or days when the only purchase is reduced items do not count as spends.

    Update (Budgets) Ė instead of just setting budgets for the month I want you all to look at any direct debits/standing orders/continuous payment authorities and check to see if you still need or use them. If you donít get cancelling.
    Also make sure you pay to debts first this month and also put some in savings.

    Get (prepared for Xmas) Ė Xmas is only 5 months away so that is either 4 or 5 pay days for monthly paid people. Have you written your list of who needs a present? If you have can you cull some from the list? A lot of people buy over Xmas for others as it is what has always been done but are too frightened to speak up Ė well Turtles are not frightened of suggesting things!! Maybe a family Secret Santa would help save money. Once you have your list down to the minimum then you need to start thinking of ideas and then start looking for those things in the sale or even better for free.

    Utilise (free activities in your area) - I would like everyone to find out about free activities for kids or adults in their area and attend one of these Ė obviously if its not until later in the year thatís fine, book now if you need to or if not get it in the diary and maybe rope some friends in as well.

    Share (money saving tips) Ė I would like people to post once a week with a moneysaving tip, you may have been doing it for years and think everyone knows about it but I guarantee not everyone will know about it so get sharing.

    Treat (yourself) Ė I would like everyone to budget £3 for a luxury item, I want everyone to treat themselves this month. Maybe itís a favourite chocolate bar that you havenít brought in ages, maybe itís a nice soap/shower gel but is too expensive to buy for day to day use.
    If your only spend on the day you buy this item is that item then you can count it as a NSD.

    The challenge will run from 1st August 00:01 until 31st August 00:00.

    Thanks to all Turtles for joining the thread this month - please post as much as possible to let us know your progress.
    Ninja Saving Turtle No. 1 for August
    NSD - 9/15
    (up to 12/8/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
Page 7
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 5th Aug 18, 8:21 PM
    • 816 Posts
    • 5,075 Thanks
    swimminginaseaofdebt
    Evening everyone

    Day 4 progress is as follows:
    • Aim for 15 NSDS - 1/15
    • Update (budgets) - spends are at £119.33/£350. £1.27 added to the EF to date
    • Get prepared (for Xmas) - no progress
    • Utilise (free activities in your area) - one of the parks has an event on with free activities as part of the Glasgow 2018 European Championship. May pop along on Sat with the wee one weather permitting
    • Share (money saving tips) - take all you electronic devices to work so you can charge them at your employers expense thus saving you money on your own electricity bill
    • Treat (yourself) - bought my face masks. 2 were on sale so I got 3 for £2
    • Read as many books as possible - 1 book finished, 1 book in progress
    • Batch cook for the little one - 4 portions of vegetable soup, 5 portions of sausage rolls, 4 portions of shepherds pie and 3 portions of cheesy tomato risotto cooked and frozen
    • Make £50 additional income - £3.76 made to date

    Donated 2 packs of baby wipes to the food bank.

    Havenít lost patience with the wee one yet, heís still awake though so thereís still time.
    SPC11 #564
    • apple muncher
    • By apple muncher 5th Aug 18, 8:21 PM
    • 7,808 Posts
    • 58,953 Thanks
    apple muncher
    Ccl - airbnb is brill! We used it for coming out to Spain, and would certainly use it as a first choice when looking for somewhere to stay. We need self-catering due to dietary needs and a whole flat/house to ourselves is perfect. And you don't have to get dressed at all if you don't want to!

    Today I am grateful for a lovely day, for a walk around the walls plus an explore off to the sides a bit, for my friend coming up here, for dh spending time sorting out her laptop for her, for my friend opening up and talking about 'stuff' she wouldn't normally share, for dd making more sy1vanian clothes, for t'interweb making things so easy, for getting acclimatised so that walking in 37 degrees isnow bearable (!) - shame we go home tomorrow!
    NST October Gobstopper #7; NSD 10/18; Ex /21 ; craft 31 (144); remove 6 (653)
    2018 Pay off: £4266; 2
    018 sell £49.10; WLOSW 3/10

    Mortgage £18,885 (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 5th Aug 18, 8:28 PM
    • 7,808 Posts
    • 58,953 Thanks
    apple muncher
    Kerry Woman- what volunteering do you do?
    NST October Gobstopper #7; NSD 10/18; Ex /21 ; craft 31 (144); remove 6 (653)
    2018 Pay off: £4266; 2
    018 sell £49.10; WLOSW 3/10

    Mortgage £18,885 (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 5th Aug 18, 8:42 PM
    • 2,496 Posts
    • 24,359 Thanks
    Kerry Woman
    apple muncher-At a certain location given out information. Being doing this since 2012 apart from one year. This happens once a year for over a month. Volunteers can pick a certain amount of shifts at a certain location or more locations if they want.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST Penny Pinching GoSober Stoptober NSD 17/20
    • misstara
    • By misstara 5th Aug 18, 11:41 PM
    • 2,895 Posts
    • 20,449 Thanks
    misstara
    NSD 3/15 for me today . Went out for a run with a friend this evening, we're doing a 10k in 3 weeks time.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £518.98 (77.5% paid)
    Car debt Nov 2017 £797.68 Now £447.43 (43.9% paid) + monthly payments £146.82 10/60
    Emergency fund - £80/£1000. Car fund - £350/£1000.
    Mini Targets in Octoberr
    Exercise target - 5/16. Groceries target £165.97/£200. NSD target 10/15.
    • Onmyway2
    • By Onmyway2 6th Aug 18, 10:27 AM
    • 235 Posts
    • 1,401 Thanks
    Onmyway2
    Sorry I haven't updated, been working 12 hour days and just collapsing when home. Update...

    Only 1 NSD managed so far.

    Diet has gone to pot! Although I am going to download the geocaching app later in an effort to get me moving.

    I've not treated myself but last night I got home from working on my Birthday to find kids had cleaned, decorated house with balloons & banners, got me a cake, presents and ordered a Chinese - they are good lads.

    Share - Always google 'Discount vouchers for XXX' before making an online purchase.
    2018 wins: Months gym membership, 2 books, 10p from the Humming Bird, £25 cash, camping gear, cricket tickets & a cook book
    • f0xh0les
    • By f0xh0les 6th Aug 18, 12:03 PM
    • 1,805 Posts
    • 15,372 Thanks
    f0xh0les
    NSD 3 today

    Took out the fee for the football camp on Saturday (spend day) and cash has sat here on the mantle waiting so I don't mess up my NSD today - not free, but £1 per day, so nearly free considering the price of lots of kids stuff!

    Odeon Kids is £2.00 - £2.50 a ticket for, this week, Show Dogs / Patrick / Peter Rabbit / Coco - every day - some are subtitled, some are austism friendly, it says on the website which showings on which times and days are which. Odeon has concessions (Ben&Jerrys/ Costa) so you don't need to sneak your own popcorn in, as they have already agreed with the concessions that they do not have the monopoly on food, so don't worry about taking a big bag to hide your stuff in. You are allowed.

    Plus they have air conditioning - great for the heat, but also for hayfever relief.
    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
    Aug £103,999.99
    Sep £102,999.99 October 101,999.99
    NEXT GOAL is sub £100k before 2019Mortgage-free wannabe 2018 #65
    • Fmess
    • By Fmess 6th Aug 18, 1:30 PM
    • 2,753 Posts
    • 26,427 Thanks
    Fmess
    Just seen a lovely promotion for anyone who has children who are collecting Scottish higher or A level results over the next two weeks. If they take their results in on results day they get a free 1/4 chicken or a free starter
    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
    • Toni'sfriend
    • By Toni'sfriend 6th Aug 18, 4:23 PM
    • 1,639 Posts
    • 15,606 Thanks
    Toni'sfriend
    Afternoon Turtles

    Work on - Have been through all my clothes, shoes, toiletries and make up and any clothing/shoes that I don't want/need is either in the bin or going to the charity shop. Keeping all the toiletries and make up a to use before I buy any more. At least I actually know waht I have now.

    NSD 5/15 - Didn't go out

    Update (Budgets) - Can't think of anything more to do this month apart from contact the dreaded Virgin.

    Get (prepared for Xmas) -Toys for the three wee ones are in my wish list. Two are definite but not sure about the third so will resist until I make up my mind to save paying two lots of postage.

    Utilise (free activities in your area) - Nothing today.

    Share (money saving tips) - Can't think of anything further at the moment.

    Treat (yourself) -That's for later this month

    Dawn Used some of the leftover chicken with carrots and onions which we've had for ages to make soup for dinner tomorrow. Going to roast the rest of the carrots and parsnips to have with leftover roast beef and potatoes (from the freezer naturally) tonight. Thanks so much for all the suggestions.
    • indigowarrior
    • By indigowarrior 6th Aug 18, 5:19 PM
    • 671 Posts
    • 5,045 Thanks
    indigowarrior
    Hello everyone, Sorry I disappeared again, Still on 1 NSD so far. Found it hard to stop spending even though I havent got any money to lol.
    #545- SPC September No Spend 4/15
    • Toni'sfriend
    • By Toni'sfriend 6th Aug 18, 5:29 PM
    • 1,639 Posts
    • 15,606 Thanks
    Toni'sfriend
    Hello Indigo
    Nice to hear from you. Hope you are well. It's difficult not to spend when you've just moved into a place of your own. You don't realise what you don't have until you need it. So long as your essential bills are up to date.
    • dolly84
    • By dolly84 6th Aug 18, 6:25 PM
    • 4,032 Posts
    • 37,227 Thanks
    dolly84
    Afternoon Turtles

    Work on - Have been through all my clothes, shoes, toiletries and make up and any clothing/shoes that I don't want/need is either in the bin or going to the charity shop. Keeping all the toiletries and make up a to use before I buy any more. At least I actually know waht I have now.
    Originally posted by Toni'sfriend

    Don't bin your unwanted clothes, the charity shops will take them for ragging, just separate them. It is horrifying how many textiles end up in landfill.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • Maisie M
    • By Maisie M 6th Aug 18, 7:05 PM
    • 1,457 Posts
    • 13,690 Thanks
    Maisie M
    Day 6

    The flowers for August are the Gladioli and the Poppy which represents beauty, strength, love, marriage and family.
    Looking at doing a pedicre tonight


    Rules:

    Aim; for 15 NSDs this month. 3/15. DS1 haircut today and top up of petrol.

    Update (Budgets) - done

    Get (prepared for Xmas) - have been looking into ideas to make some gifts for xmas so have a few ideas for DS2 but will need to get some stuff to do them.

    Utilise (free activities in your area) - none today but DS2 and I did do some baking

    Share (money saving tips) - trying to think of another one

    Treat (yourself) - still thinking - saw a really nice nail varnish that in is B&M so may grab that as a treat although I really dont need any more

    • Toni'sfriend
    • By Toni'sfriend 6th Aug 18, 7:14 PM
    • 1,639 Posts
    • 15,606 Thanks
    Toni'sfriend
    Don't bin your unwanted clothes, the charity shops will take them for ragging, just separate them. It is horrifying how many textiles end up in landfill.
    Thank you for that. I didn't realise they could still get money for them even though they are not really saleable (well at least I don't think they are). Haven't put them in the bin yet (just a bag waiting to go out) so I'll take them up.
    • apple muncher
    • By apple muncher 6th Aug 18, 7:22 PM
    • 7,808 Posts
    • 58,953 Thanks
    apple muncher
    Today I am grateful for a lovely bus driver who got us to the airport in time, for a smooth flight, for being home, for hm fish and chips, for super fat fresh raspberries, for dd playing out with the gaggle of local kiddies, for finishing some penguins, for sorting a couple of emails, for dh having a little extra work.
    NST October Gobstopper #7; NSD 10/18; Ex /21 ; craft 31 (144); remove 6 (653)
    2018 Pay off: £4266; 2
    018 sell £49.10; WLOSW 3/10

    Mortgage £18,885 (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 6th Aug 18, 7:48 PM
    • 2,496 Posts
    • 24,359 Thanks
    Kerry Woman
    Onmyway2 - Wishing you a Happy belated Birthday.

    Was a small spend day. Soft drink at social club with friend and her son. Sadly her Dad died this morning from cancer.

    Did a few bits around the flat. Must make a start at healthy eating/exercise and self care with my mental health.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST Penny Pinching GoSober Stoptober NSD 17/20
    • apple muncher
    • By apple muncher 6th Aug 18, 8:31 PM
    • 7,808 Posts
    • 58,953 Thanks
    apple muncher
    Kerry Woman - sorry to hear about your friend. Do take care of yourself and do what helps you and your head keep stable.
    NST October Gobstopper #7; NSD 10/18; Ex /21 ; craft 31 (144); remove 6 (653)
    2018 Pay off: £4266; 2
    018 sell £49.10; WLOSW 3/10

    Mortgage £18,885 (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 6th Aug 18, 9:33 PM
    • 816 Posts
    • 5,075 Thanks
    swimminginaseaofdebt
    Evening everyone

    Day 6 progress is as follows:
    • Aim for 15 NSDS - 2/15
    • Update (budgets) - spends are at £119.33/£350. £4.04 added to the EF to date
    • Get prepared (for Xmas) - no progress
    • Utilise (free activities in your area) - one of the parks has an event on with free activities as part of the Glasgow 2018 European Championship. May pop along on Sat with the wee one weather permitting
    • Share (money saving tips) - take all you electronic devices to work so you can charge them at your employers expense thus saving you money on your own electricity bill
    • Treat (yourself) - bought my face masks. 2 were on sale so I got 3 for £2
    • Read as many books as possible - 1 book finished, 1 book in progress
    • Batch cook for the little one - 4 portions of vegetable soup, 5 portions of sausage rolls, 4 portions of shepherds pie and 3 portions of cheesy tomato risotto cooked and frozen
    • Make £50 additional income - £14.01 made to date

    Remained relatively calm today.

    Kerry Woman sorry to hear about your friends dad.
    SPC11 #564
    • misstara
    • By misstara 6th Aug 18, 10:54 PM
    • 2,895 Posts
    • 20,449 Thanks
    misstara
    Spend day so still on 3/15. Started looking at free stuff to do where I live and there's a few walking tours/park events that look quite good. Will discuss with OH tomorrow and see if he fancies any.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £518.98 (77.5% paid)
    Car debt Nov 2017 £797.68 Now £447.43 (43.9% paid) + monthly payments £146.82 10/60
    Emergency fund - £80/£1000. Car fund - £350/£1000.
    Mini Targets in Octoberr
    Exercise target - 5/16. Groceries target £165.97/£200. NSD target 10/15.
    • Eager_Elephant
    • By Eager_Elephant 7th Aug 18, 7:04 AM
    • 4,484 Posts
    • 26,081 Thanks
    Eager_Elephant
    Everyone is doing so well - yay to NSD's and brilliant tips for money saving.

    I have managed 4 NSD's since the 1st - only spent on Saturday when I collected my son from Uni (resits) and went to MacDonalds - so total is 5 so far.


    My tip for pet owners is Zooplus who sell all sorts of pet stuff but for low prices, you can even get a bit of cashback if you use cashback sites.
    This is how I afford to feed my pets good quality food.
    Ninja Saving Turtle No. 1 for August
    NSD - 9/15
    (up to 12/8/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
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