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  • FIRST POST
    • Eager_Elephant
    • By Eager_Elephant 30th Jul 18, 8:59 PM
    • 4,483Posts
    • 26,075Thanks
    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 8
    • dolly84
    • By dolly84 7th Aug 18, 8:54 AM
    • 4,031 Posts
    • 37,217 Thanks
    dolly84

    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.
    Originally posted by Eager_Elephant

    I feel differently about this. I could save a bit buying dog food from somewhere like this but I go to a local feed store which sells everything from fish food to horse feed and all the other things that go along with those animals and it is more important to me that this business does well and all the staff keep their job than me saving a pound or two. I feel this way in general about online shopping and will research online then try my utmost to buy on the high street.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • Fmess
    • By Fmess 7th Aug 18, 9:57 AM
    • 2,753 Posts
    • 26,427 Thanks
    Fmess
    Morning all,

    Spendy day yesterday as bought the remainder of a birthday present for Saturday and a few bits from H0me bargains. Also saw a reduced price baby present that I wanted for later in the year so bought that and put it away.

    Did 4 hours temping work so thats another £50 earnt and last weeks pay is pending in my account I will divide that between social, savings and debt when it arrives . better go do some more temping now!
    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 7th Aug 18, 12:35 PM
    • 597 Posts
    • 6,436 Thanks
    laurenh1
    Hi All -

    Now back from Sunny Italy - and straight back into work!!

    Aim-Today is NSD #2- appreciate this is low but to be honest we have so much on that my main focus is keeping in our rather tight budget.

    Update- Budget is £100 but I only have two weeks and 2 days to go until I get another £100 , cupboards full, fuel money is put to one side and I have extra money in savings for planned outings.

    Get Prepared- Xmas is already budgeted for. Always trying to put money aside for up coming things, will keep at it.

    Utilise- all activities planned for the summer Centre Parcs this weekend and I am planning to make the most out of the free activities there (swimming pool, kids disco). Also trying to stretch what we have available- left over sandwiches from my sons picnic today for lunch, cash back pay out of £2.50 paid into my account.

    Share- leave things in your basket online to be sent a voucher code. Doesn't always work but company's know you are looking. I have been looking at Butlins break this last month and they have just sent me a £20 code- coincidence, I think not!!

    Treat yourself- bought myself an Aldi Candle last night. for £3.99- Love candles - they are my luxury item as well as bubble bath!
    • Toni'sfriend
    • By Toni'sfriend 7th Aug 18, 4:19 PM
    • 1,631 Posts
    • 15,539 Thanks
    Toni'sfriend
    Afternoon Turtles

    Went for a walk today and went to the shops but didn't buy anything. Himself wanted to buy some half price tomatoes but we honestly don't need them and there is no room in the freezer to make them into soup or sauce. So NSD No 6/15.

    Otherwise nothing much to report. Himself is out tomorrow so I'm hoping to catch up then.
    • lcc86
    • By lcc86 7th Aug 18, 5:25 PM
    • 1,073 Posts
    • 3,794 Thanks
    lcc86
    No more NSD's to report yet. Yesterday I bought eyebrow makeup and a new extension lead that I've needed for ages.


    Today I bought some gifts online for a friend who is getting married in a couple of weeks. I'm no good at knowing what to get people for weddings so hopefully have got something they actually needed... I also bought a gel cooling pad for my pets, I know it's due to get cooler but boy are they suffering in this heat.


    Tomorrow is going to be a huge spend day - got the bill for my car and it's the best part of £400 I get it back tomorrow so will have to cough up. So frustrating as this will take my emergency fund back under £1,000, but on the other hand, I need to think of where I would've been a few years ago if this had happened, and I know I would've had to add it onto the credit card, so I just need to think positive!
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original diary
    £725/£1000 EF £329 saved for household jobs
    Debt free and in the black for the first time in 11 years
    • DawnW
    • By DawnW 7th Aug 18, 5:56 PM
    • 5,264 Posts
    • 41,666 Thanks
    DawnW
    Made a spinach and feta filo pie for dinner - spanokopitta (this may be spelled wrong ) for dinner, using big bowl of HG spinach. We love this, hot or cold, even my determinedly carnivore husband is happy with a vegetarian option once or twice a week

    Need to do something with some French beans (probably freeze) and windfall apples (thinking about drying, I have an ancient and cheap dehydrator).

    Managed a NSD yesterday, but bought some picnic bits today as I have promised to take 4 year old GD for a picnic tomorrow

    • Kerry Woman
    • By Kerry Woman 7th Aug 18, 6:43 PM
    • 2,495 Posts
    • 24,346 Thanks
    Kerry Woman
    apple muncher - Thank you. Have started to work towards self care and also have booked an appointment to see my gp in a few weeks time. That is the only time I can get as he knows my issues and do not want to go to a different and explain everything.
    swimminginaseaofdebt - Thank you.


    NSD 5/20
    Did go for a walk in the park this morning. Sorted some more of my Mum's things today and a few other household chores. Did some self care eg word search, mindfulness colouring and walking - had listened to my music.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST Penny Pinching GoSober Stoptober NSD 17/20
    • plumduff55
    • By plumduff55 7th Aug 18, 7:31 PM
    • 434 Posts
    • 3,719 Thanks
    plumduff55
    Hi, sorry I've not been posting but I've had a family crisis and last thing I can think about is being frugal. Going to son's on Thursday for a week then 5 days after returning I'm going to Australia for a month. This is very unexpected and I only booked yesterday. I could never have afforded this if I hadn't been so frugal for so many years.
    Hopefully when I get back from Australia my life will settle back down to my quiet boring frugal existence. Hope to be back on board later in the year xx
    Debt free - Mortgage free - Work free ( in that order )

    October NSD 10/15
    • Tropically
    • By Tropically 7th Aug 18, 8:48 PM
    • 306 Posts
    • 1,053 Thanks
    Tropically
    I had a post! Where did it go?

    Anyway, I am on NSD number 5. Yesterday and today were small but worthy spends. I am selling off all our worldly possessions and making okay progress.
    Mortgage started at £318,000 in June 2016. Original MF - 2041
    2017 OPs: £7000/£7000
    Mortgage in Nov 2017 - £297,808
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 7th Aug 18, 9:15 PM
    • 816 Posts
    • 5,075 Thanks
    swimminginaseaofdebt
    Evening everyone

    Day 7 progress is as follows:
    • Aim for 15 NSDS - 3/15
    • 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 - 2 books finished
    • 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 again today.
    SPC11 #564
    • apple muncher
    • By apple muncher 7th Aug 18, 9:15 PM
    • 7,803 Posts
    • 58,903 Thanks
    apple muncher
    Kerry Woman - Iam the same with my gp. If there are specific things that I want to talk to him about, then I am prepared to wait.

    Plumduff - hope things go as well as they can for you with all the travelling - and the reason(s) for having to do it. Take care.

    Today I am grateful for fresh raspberries, for getting the food shop done, for finding gf goodies at aldee, for my exam board marking payments being very nice indeed thank you, for clearing some stuff away, for bumping into one of dd's friends when out, for the lovely smell of rain on warm ground, for making bunny clothes with dd, for a good chat with big sis.
    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
    • Eager_Elephant
    • By Eager_Elephant 7th Aug 18, 9:25 PM
    • 4,483 Posts
    • 26,075 Thanks
    Eager_Elephant
    I feel differently about this. I could save a bit buying dog food from somewhere like this but I go to a local feed store which sells everything from fish food to horse feed and all the other things that go along with those animals and it is more important to me that this business does well and all the staff keep their job than me saving a pound or two. I feel this way in general about online shopping and will research online then try my utmost to buy on the high street.
    Originally posted by dolly84
    I do try and support local as much as I can - I buy my chicken/turkey/goose/pig food from a local feed store and spend quite a few hundred each month but I save between £10-£20 per bag on dog and cat food by using Zooplus, if it was a few pounds I wouldn't bother shopping elsewhere but sadly its not. I buy large bags of dog and cat food and they last 4 - 5 weeks so its quite a saving over the year.
    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)
    • Eager_Elephant
    • By Eager_Elephant 7th Aug 18, 9:39 PM
    • 4,483 Posts
    • 26,075 Thanks
    Eager_Elephant
    Hi, sorry I've not been posting but I've had a family crisis and last thing I can think about is being frugal. Going to son's on Thursday for a week then 5 days after returning I'm going to Australia for a month. This is very unexpected and I only booked yesterday. I could never have afforded this if I hadn't been so frugal for so many years.
    Hopefully when I get back from Australia my life will settle back down to my quiet boring frugal existence. Hope to be back on board later in the year xx
    Originally posted by plumduff55
    Oh plumduff - thanks for joining us over the last month and hopefully will see you back with us Turtles soon
    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)
    • Fmess
    • By Fmess 7th Aug 18, 10:26 PM
    • 2,753 Posts
    • 26,427 Thanks
    Fmess
    SFD number 4 today

    Went to the gym, walked the boys, collected blackberries and did some temping work, so rather happy with that. Looking forward to a cooler day tomorrow so that I can be more productive around the house!
    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
    • bizzie
    • By bizzie 7th Aug 18, 11:57 PM
    • 184 Posts
    • 2,197 Thanks
    bizzie
    Aiming for 15 NSD currently on #7
    Updated budgets all looking ok
    Get prepared on backburner until next month after some family birthdays
    Utilise making most of weather being outside and visiting family and friends
    Share make a wishlist for retailers and buy when they offer a beneficial deal eg discount or extra
    Treat still thinking what I would like
    Groceries 7.80/300.00 Personal Spend /100.00
    NST October #21 NSD 1/15 @02/10/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • dolly84
    • By dolly84 8th Aug 18, 8:53 AM
    • 4,031 Posts
    • 37,217 Thanks
    dolly84
    E_E - that is a rather large saving, much more than I would be saving.


    apple/KerryWoman - you are lucky to be able to book a GP's appointment in advance, we can't do that unless the GP says you can. It is ridiculous, not everyone is dropping dead on the day they phone and able to drop everything and go, sometimes you have a non urgent issue that can wait a few days.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • laurenh1
    • By laurenh1 8th Aug 18, 9:02 AM
    • 597 Posts
    • 6,436 Thanks
    laurenh1
    Hi All-

    Just checking in -

    Aim- still only on 2 as I need to go shopping tonight for Centre parcs this weekend. This however is much better than buying food there & eating out.

    Update- my bills have now all gone out and so I have an extra £15. so my spending money for the next two weeks in £115 pounds plus £100 for C parcs.

    Get- no more done for xmas BUT I am doing 4 days over time this month and that all goes into the xmas pot.

    Utilise- no free activities planned but did add quinoa to our porridge oats this morning to get them used up and I have been working through items in the house that need using.

    Share-carry a juice shotz and water bottle in the car or in your handbag - you can usually find free water so this is a quick and easy way of getting a juice while out and about if you have little ones.

    Treat- Candle smelling lovely
    • indigowarrior
    • By indigowarrior 8th Aug 18, 9:30 AM
    • 671 Posts
    • 5,045 Thanks
    indigowarrior
    Just checking in. Still on 1 nsd. I dont know why I seem to be spending everyday. However, determined to get sorted. Today will be a no spend day.
    #545- SPC September No Spend 4/15
    • f0xh0les
    • By f0xh0les 8th Aug 18, 9:49 AM
    • 1,803 Posts
    • 15,358 Thanks
    f0xh0les
    NSD4 today

    Picked a massive lunchbox full of blackberries down a path in the park while the boys played football. I am using the time to walk around in circles for 1 hour and lie under a tree and read for 1 hour.

    Then came home, picked over the berries and open froze on baking trays and then bagged up, so I can grab a handful when needed rather than having to defrost an iceberg in advance.

    Made a brilliant salad dressing from the left over marinade the olives came in. Chili lettuce surprised the kids!

    Saw a builder drop £5 note outside the sandwich shop, so followed him in as he looked confused at his empty pocket and gave it back to him

    Got £2 lurve2sh0p voucher in post from postal spy survey - went straight to Xmas envelope

    Going to take pictures of unwamted furniture and see if I get a bite...
    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
    • mothernerd
    • By mothernerd 8th Aug 18, 11:33 AM
    • 2,530 Posts
    • 26,441 Thanks
    mothernerd
    Sorry for the lack of check-ins - not a lot happening moost days.


    Yesterday I was at mum's shortly after 8am. Volunteer driver (extended family) arrived to take us to mum's neuro appointment (down to check up every 4 months now). Found a good car parking spot but big queues from then on - luckily I had a small present for the driver's small son which kept him entertained most of the time. They went to look at the ambulances whilst I went in with mum. Doctor was very pleased with how well mum looked, still on four monthly check-ups but trying to resume reducing the steroids.


    Next to Barton Aerodrome (now called city airport) to look at helicopters, small planes and micro lights and have lunch. The 2 air ambulances were at the other side of the field we parked in. A smallish fun fair had attracted crowds (it's normally empty) but the food was good and we saw enough helicopters (in the air and on the ground) to keep a small boy happy.


    Mum wanted to call at meat mart on the way back so trundled round with a basket on her walker and packed nearly £50 of stuff in the car boot. Unpacked at mum's. driver and small boy went home to weed their garden (been away for 2 weeks and her garden has gone from dead to weed infested).


    Spent nearly an hour unpacking meat and repacking in small quantities to fill the freezer. Short rest then worked on a birthday card mum has been making. Used wool to make 'balloon' strings and fixed the bits that mum couldn't get to work. Went through 2 cupboards full of framed photos to find something to fit the card - left it until Thursday as the glue needs to dry.


    Put the completed jigsaw away and started another (separated the edge pieces out for mum to do in the next few days). Bins out, fed us both, watched Supervet and came home. Put my bin out and went to bed.


    Today I am totally wiped out. Have woken briefly 3 times. Have taken painkillers and now okay but feel 'boneless'. Have my craft tool box and a colouring book for crafts and if I wasn't halfway through helping someone make a card, I might cry off altogether. However if this is all I've got, then I will do what I can (plan, 15 minute work sessions, get rubbish out, put away 3 things every time I go to the bathroom). Think I might have lunch at the Centre, so that's one less thing to think about (need to take more wraps from the freezer as I ate the last one for breakfast). Just get myself washed and dressed in the next hour. Will need a taxi so it's going to be a spend day - yesterday was a NSD, any money I spent was refunded.


    For yesterday, I am grateful that mum is so much better (doctor says that now the myasthenia is under control it should not affect her life as long as she takes the pills), for a good day out and being with a small boy again (I enjoy the company of all my sons - separately - but small boys are fun, especially when you are not the one who has to deal with the tantrums).


    For today I am grateful for having the sense to listen to my body (more sleep and painkillers) but also being able to work round it to keep my committments to others and make some small attempts at progress (hoping I have a bit more energy this evening), for house repairs at the house on the car park (free entertainment if I have another slump after crafts) and the heat not being oppressive.
    Last edited by mothernerd; 08-08-2018 at 11:43 AM.
    This year I will be fierce
    NST Oct #23 SFD 8/15 Food £157.92/£200 Travel £1.80/£15 Ent/diy £0/£15 Ext DS3 clothes
    No Debt No mortgage
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