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  • FIRST POST
    • apple muncher
    • By apple muncher 28th May 19, 1:54 PM
    • 9,386Posts
    • 72,039Thanks
    apple muncher
    NST June 2019 - Ninja powers
    • #1
    • 28th May 19, 1:54 PM
    NST June 2019 - Ninja powers 28th May 19 at 1:54 PM

    Just Unleash Ninja Energy


    June is about a laser focus.

    With superpowers.

    And an eye mask so that no-one recognises you in the street.

    And a cape.

    And a wand if you want one.

    Minimise vs maximise.

    Choose your focus and be relentless in pursuing it.

    Minimise:
    -bills (change provider, reduce your usage)
    -car usage (can you walk/bike the journey instead?)
    -clutter (Marie Kondo isn’t popular for no reason)
    -plastic (‘nuff said)
    -screen time (you’ll sleep better, get more done, be more sociable…)
    -spending (why else are we here?)
    -toxic situations and people (set yourself free from their entangling tentacles)
    -unloved items (someone else can love them instead)
    -unnecessary spends (well, we’re on a money saving site, aren’t we?)
    -wants ( at heart, we are simple folk who don’t need much)
    -waste – food and other (don’t throw your hard-earned money down the drain. Or in to the bin)


    Maximise:
    -dreams (dream big)
    -education: learn to do something new (from plumbing to breakdancing)
    -fruit and veg intake (we know the health benefits)
    -fun + laughter (so important!)
    -generosity (donate, give, help others)
    -getting niggly jobs done (then they can stop bugging you)
    -health (don’t pay for health issues later in life – be healthy now!)
    -inner ninja superpowers (we all have them. Dust down the cape)
    -meal planning (less waste, less shopping, less stress, less temptation to nip to the shops)
    -moving more (goes with health. Get shifting that booty)
    -pennies (they are powerful. Treasure them)
    -time with those you love (you can’t do this once they’re gone. Make the most of them now)


    • The challenge runs for all of June from the first to the last.
    • You will have 15 NSDs.
    • You will pay to your debts/savings first and live off the rest.
    • You will budget to the last penny.
    • You will choose your personal focuses (foci?) and let us know how you are getting on. We love daily posts, if you can.

    Who is with me?
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage £15,451 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
Page 11
    • mothernerd
    • By mothernerd 13th Jun 19, 8:44 AM
    • 3,091 Posts
    • 33,607 Thanks
    mothernerd
    A small food spend of 3.46 yesterday including two chicken and salad sandwiches, a tub of coleslaw and a small bag of grapes - all 10p each, would have got ys bread but they only had tiger bread.

    Spending a lot less time on the laptop most days so can't always get on here.

    Struggling with decluttering. Lots of rubbish to go out but nothing dramatic to let go (could send a few knives to the cs, bin a couple of broken cds and a handful of paperclips). Lots i don't 'love' but they are either practical or don't want to bin but very low value items (and then there is 'other people's stuff'). Very frustrating.

    Currently tackling the kitchen in 2' by 2' squares.

    Today i am grateful for excellent books to read (didn't sleep last night), satsumas and baked potatoes and increasing flexibility.
    My mission in life is not only to survive,but to thrive and to do so with some Passion, some Compassion, some Humour and some Style.
    NST Oct No 1 No Debt No mortgage
    • Karmacat
    • By Karmacat 13th Jun 19, 9:41 AM
    • 32,430 Posts
    • 191,726 Thanks
    Karmacat
    laurenh, sorry to hear about your aunt
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    • dolly84
    • By dolly84 13th Jun 19, 4:54 PM
    • 4,784 Posts
    • 44,210 Thanks
    dolly84
    lauren - sorry to hear about your aunt.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • f0xh0les
    • By f0xh0les 13th Jun 19, 5:39 PM
    • 2,559 Posts
    • 23,652 Thanks
    f0xh0les
    Lauren - my condolences

    Mothernerd - well done on the de-cluttering. My puddles have mostly stayed joined up and clutter free! It is so worth it.

    Today I took everyone to where they needed to be, at the times they needed to be there. Coped well with other people changing my plans or cancelling events, volunteered for 2 hours, and got everyone fed healthily.

    I can't promise the washing up will be done tonight - I am not allowed into/through the back room, so I cannot reach the kitchen. I am not upset by this. I think it has something to do with my upcoming birthday. Or they are making a time machine. Either or.
    MFW5/16 £118,340 10/17£109,49 12/17 £108,8 1/18 £108,33/18 £108,5 4/18£108,1 5/18£106,9 6/18£105,9, 7/18£105,3 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 2/19 99,500 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/7 £96,9. 1/8 £96,500 1/9 £95,970.00 1/10 £95,500 MFW 2019 #65
    L&C Referal code- https://referme.to/GNNHtJo
    • apple muncher
    • By apple muncher 13th Jun 19, 7:39 PM
    • 9,386 Posts
    • 72,039 Thanks
    apple muncher
    Sorry to hear about your auntie, lauren.
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage £15,451 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • thriftylass
    • By thriftylass 13th Jun 19, 8:14 PM
    • 3,585 Posts
    • 29,727 Thanks
    thriftylass
    My condolences, laurenh.

    NSD today. DD first school visit went well. Had both kids home early and did some crafting as it was so wet outside.

    Got dinner for me and the kids for tomorrow prepared in the slow cooker. Hawaiian chicken. Had the first strawberry in the garden today and harvested some rocket. First chillies (first year of successfully overwintering last year's plants. 6th attempt and 3/9 survived) and tomatoes coming.

    Finally found sth to learn that I can stick too (given up on book keeping or a new language for now). Started my online Horticulture course and love it. Goes with my education/career in biology and my goal to be a good gardener. Will use the me time in the morning before the kids get up mainly to study.

    DH has a race tomorrow night and will go out after. So will be a productive evening for me. Still working on to do list

    That's all for now.
    Last edited by thriftylass; 13-06-2019 at 8:17 PM.
    NST Oct 19
    SFD 3/20 spends £314/520
    Exercise 8/18
    Debt - all 0% 414 to go from 5290
    DFD 12/2019 Mortgage 109343 (04/17) 94600 (07/19) OP 1910
    • Deni debt-free dreamer
    • By Deni debt-free dreamer 13th Jun 19, 9:41 PM
    • 302 Posts
    • 3,037 Thanks
    Deni debt-free dreamer
    Evening everyone

    sending sympathy laurenh

    Busy day at work as we have an event tomorrow. Finished early as took DD1 to first counselling session; we are paying between us - DD1 found it helpful and she has some breathing exercises to do each morning - hoping will help her with anxiety and other MH issues.
    There have been some nice Ikea-ish bowls in our work kitchen that I've been eyeing up - our Facilities manager said they were given to us and I could have them - so I've now got 4 in my kitchen cupboard and very nice they are too
    Ate all meals from stores. Done well with fruit and salad consumption.
    While DD1 was in counselling I walked in the rain - done 8500 steps today. Also went to pilates this eve - part of a course paid for last week.
    Tracking all spends and budget is ok.
    Gratitudes - positive counselling session for DD1; great pilates class this evening; free green bowls from work
    Nite everyone
    Deni xx
    Sealed pot challenge member #118

    Pay ALL your debt off by Xmas 2019 #96
    Total CCs 2,370.05/4,500

    £2 savers club 33
    • dolly84
    • By dolly84 14th Jun 19, 6:05 AM
    • 4,784 Posts
    • 44,210 Thanks
    dolly84
    Work today. Yesterday they told me they would like me to stay an extra 3 months which will take me to October so I am going to confirm that today, also in this months pay I will be getting a small bonus, I think everyone gets one but I'm not sure how it works and if it is a regular thing but I'll take it either way.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • apple muncher
    • By apple muncher 14th Jun 19, 6:19 AM
    • 9,386 Posts
    • 72,039 Thanks
    apple muncher
    Yay! to a contract extension and to a bonus, dolly!
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage £15,451 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • f0xh0les
    • By f0xh0les 14th Jun 19, 6:51 AM
    • 2,559 Posts
    • 23,652 Thanks
    f0xh0les
    Good morning!
    It is still raining.
    FRIDAY!!!
    I have a list, not too faffed whether it gets done or not, but it is a starting point.

    NSD 1

    MFW5/16 £118,340 10/17£109,49 12/17 £108,8 1/18 £108,33/18 £108,5 4/18£108,1 5/18£106,9 6/18£105,9, 7/18£105,3 8/18£103,9 9/18£102,9 10/18£101,9 11/18£101,3 12/18£100,7 1/19 £99,999 2/19 99,500 1/3 £98,91/4 £98,5 1/5 £97,9 1/6 £97,5 1/7 £96,9. 1/8 £96,500 1/9 £95,970.00 1/10 £95,500 MFW 2019 #65
    L&C Referal code- https://referme.to/GNNHtJo
    • SpekySquarehead
    • By SpekySquarehead 14th Jun 19, 7:04 AM
    • 2,779 Posts
    • 23,245 Thanks
    SpekySquarehead
    4 NSD's in a row takes me to 8 for the month as of yesterday. Potential spend today, with a definite spend tomorrow and Sunday.

    I like to keep my NSD ratio 1:2, so if I'm on 8 by Monday that's the 17th, so I'm short. You get my thinking?
    Debt Free Date: 29/09/16

    Follow my diary HERE
    • mothernerd
    • By mothernerd 14th Jun 19, 8:51 AM
    • 3,091 Posts
    • 33,607 Thanks
    mothernerd
    Some progress on the kitchen - one worktop clear (and taken off the first layer of sugar/ salt and some orange coloured gloopy stuff (honey/ maple syrup?). Other side nearly clear (that's my bit but they put the new microwave in it and most of the other bits have been dumped by other people). Can see the kitchen table in places and most of the floor.

    Working at the speed of snails wading through treacle but did do quite a lot (stopped to rest 3 times for large breaks/ once to take painkillers). Can see an improvement in myself too. Not dramatic but not too long ago what I did yesterday would have needed two days to recover (one of them at least in bed) but although I am aware of some aches/ issues (bits that need treating tenderly today) and I've no desire to get up and rush at things, I will be able to do more later.

    Went to get food at 7.30pm yesterday evening and was asleep shortly after 8pm. Woke at 1/4 to 5am (and have had pills, food, shower etc). I am meeting mum at 1.15pm to go to her audiology appointment (hoping the rain lets up by then as even 5 minutes waiting in this rain for her to arrive in the taxi would leave me soaked - might be the library foyer and a quick dash across the square when i see them).

    I will probably spend money today, wrote a short list yesterday including lemons to clean the chopping board (more sugar/ salt with orange gloop mixture) but was too tired to venture out. Think it will depend on the rain and how wet I get - could live without if I have to.

    Going to smother myself in moisturiser / E45/ suncream now and then search for something to wear (lots washed yesterday and found small marks on the things I put on - didn't matter as I was cleaning therefore likely to get even messier before the end). Think about lunch (had breakfast before 6am).

    Today I am grateful that I will mostly be able to dodge the rain, that I can start slowly this morning and for a good night's sleep.
    My mission in life is not only to survive,but to thrive and to do so with some Passion, some Compassion, some Humour and some Style.
    NST Oct No 1 No Debt No mortgage
    • Calling14
    • By Calling14 14th Jun 19, 1:15 PM
    • 2,947 Posts
    • 21,229 Thanks
    Calling14
    Up to 7 SFD now. Spent yesterday on house/ food just small amounts.



    De clutter this weekend need to fill charity bag for Monday.


    Sorry to hear about your Auntie Lauren hugs xx


    Nothing major planned this weekend so minimum spend hopefully ;-)
    LBM 13039 1.1.13 Now Jan 2019 £2737/£5457

    PAYDBX 2019 #16 £2737/5457 £2720 to go
    EFund #9 £60/£1,000
    1 x 100 days challenge no 33
    £617/£2000

    • crazy_cat_lady
    • By crazy_cat_lady 14th Jun 19, 1:30 PM
    • 5,088 Posts
    • 45,321 Thanks
    crazy_cat_lady
    Hello
    I have been here in spirit but SO very busy with exam marking. I kind of need the money to start rolling in for me here though because things are looking tight indeed. And it's still a fortnight until payday.
    Life is rumbling on as usual. Always busy with the exam marking - currently doing a minimum of 4 hours every day (think of the money), plus actual job work, plus family, plus ex.
    The legal costs continue to go up as my ex's behaviour gets more and more erratic. The sooner I'm sorted there, the better. It's a long story that I won't bore you with but basically he's missing again and a few various people are looking for him but chances of making progress with courts and legal stuff are slim until we know where he is.
    DD has been in France all this week - she's had fun with her friends, but hated the food bless her. I'm looking forward to having her home tonight and she's looking forward to having a bag of crisps or something. I just need to stay awake until 11pm for that...
    Also have been pretty overwhelmed by cards and gifts from my Year 11 today. It was their last exam and last day and I have a couple of bottles of wine and a couple of boxes of chocolates. What lovely, sweet kids.
    Anyway, there's not much to report on the frugal front. My legal expenses are now in the thousands and everything else just seems a bit pointless until this is sorted. I'm trying to keep the faith though...
    NST October #11 nsd = 5
    I am honestly trying my best
    • laurenh1
    • By laurenh1 14th Jun 19, 1:31 PM
    • 753 Posts
    • 8,736 Thanks
    laurenh1
    Hi Guys-

    Thanks everyone for the well wishes. My aunt has been very poorly for a while & while it isn't nice, I am glad she is no longer suffering.

    Today is NSD number 8. Hoping for 9 by the end of the week. No chance of one tomorrow as it is family day at Hubs work & I have to show willing , although I am only taking £10 & it will be nice to spend time with the kids!

    Minimise-
    Waste- Still trying to waste as little as possible & prepping meals around what needs using, drinking fruit tea (which I am sick to death of ) and using samples of toiletries. I am not sure how I came to own so many toothpaste samples
    Unnecessary spends- I don't think I have spent anything unnecessarily!
    Screen time- Hard when I work on a computer BUT I have come of facebook and I am spening my evening reading my book rather than looking at utter drivel on the internet- I don't know how I get sucked into spending so much time browsing at nothing!
    Maximise-
    Time with loved one- I did a painting this morning with the kids, for Fathers day. I can't afford to get him anything but I can make him a bacon sarnie in bed & I am sure he will love his card/Painting
    Exercise- on my bike tonight.
    Fruit & Veg intake- still sticking to my Weight watchers plan - lets see what the scales say next week! Even if I lose nothing, I feel better.

    Grateful for- my head ache clearing , my friend giving me her clothes horse, I only took it as I knew it would be used at mine & didn't want to see if get thrown out but actually it is much better than mine anyway and holds loads more clothes, I love it (how sad) & for the poppies on my drive into work
    • apple muncher
    • By apple muncher 14th Jun 19, 6:24 PM
    • 9,386 Posts
    • 72,039 Thanks
    apple muncher
    Today I am grateful for coming out the other side of being overwhelmed, for hitting nsd #12 (due to all the contributory factors of overwhelmedness), for a chat with the train stn homeless man and discovering that he sleeps in a hostel - so glad he has a 'roof', for dh finishing his 3 weeks of extra work, for dd getting a 'part' in their y6 final assemby/performance, for having the weekend ahead, for my swollen knees (after slipping on wet tiles and twisting both of them) being less ballooned, for getting important tasks done.
    NST October mudman #2; NSD 10/15; Ex 10/21; remove bagfuls 2(40)

    Mortgage £15,451 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • sashanut
    • By sashanut 14th Jun 19, 10:41 PM
    • 3,232 Posts
    • 30,713 Thanks
    sashanut
    No 12 checking in
    Hi all

    Minimise:

    Bills Looking to get some secondary DG on our old windows to help with heating this place. This will be a long-term project IMHO. To that end:

    Clutter:
    Lots to clear before even survey to do windows could be organised. Mainly cleared some stuff in the garden as it magically stopped raining this afternoon. All the rain has meant that everything has made huge growth...well, the weeds at least.

    Spending: Need to budget for groceries. Starting with £300 including pet food. Have receipt ready to file, but about £35/300. No spending today but yesterday stocked up & groceries the day before. DD is trying hard to budget (not a natural) which seems to involve cooking her food at our house, then taking it back.

    Unnecessary spends None today.

    Waste: No waste today & used up dessert from freezer, also gave DD her frozen fish & chips yesterday to take back. Made a tiny space in freezer.
    Maximise:
    Dreams (dream big): Would like to fit the DG as mentioned earlier, also need the driveway doing but would be a very large amount of cash as it's so big....Clearing the clutter will help enormously with this, both financially & in the long term. Outside painting needed now, will be a big job & need scaffolding. This again will be £££. DD did quite a bit of selling & whilst she didn't make a lot, she did get rid of some things. I have to now do the same & start selling this weekend. Did sell 2 DVDs.



    Fruit and veg intake: Definitely need to increase F&V consumption, on this. Fruit with breakfast & some fruit this afternoon as usual. Did get a bit of veg although supper/lunch was a takeaway bought by DD for Fathers Day as she will be at work on Sunday. There was some veg in my dish..


    Getting niggly jobs done Painting inside & out, get builder to fit cowl on chimneys, get chimney swept, painting outside as well. All our jobs are niggly, but DH did get some outstanding ones done. Still needs to see if the DW will work with the new hose he bought x weeks ago...

    Health: Lose approx. a stone & a half. All the more needed as tried on some clothes yesterday in a changing room with a back view mirror, ugh not good. Had meant to start in earnest today but Chinese takeaway put a bit of a blight on that. However, will persevere.

    Meal Planning: Need to meal plan as tend to go with the flow, and it doesn't always work out. Have plenty of food in but still need to plan.


    Moving more - Most exercise taken as gardening. Todays exercise was cleaning AND gardening.


    Time with those you love: Meals with DH & DD today, did have a laugh with them.


    NSD: now 7/15


    Check in every day Here I am, hello folks
    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
    • dolly84
    • By dolly84 15th Jun 19, 7:31 AM
    • 4,784 Posts
    • 44,210 Thanks
    dolly84
    Morning all.


    Small spends yesterday on fizzy drinks for the kids (only have these at the weekend) and nuts for DH. Productive day at work I am having to learn everything by myself as there is no one to train me but at least they are aware of that so if I mess up they know why.


    I'm sure today will involve spending money, it usually does. Received an order in the post yesterday, it's the skincare that I use and I buy it every 3 months or so.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • dolly84
    • By dolly84 15th Jun 19, 7:41 AM
    • 4,784 Posts
    • 44,210 Thanks
    dolly84
    apple - sorry to hear you have taken a tumble.
    Debt Free and now a saver, conscious consumer, low waste lifestyler.
    • misstara
    • By misstara 15th Jun 19, 8:23 AM
    • 3,216 Posts
    • 23,189 Thanks
    misstara
    Sorry, haven't posted for a couple of weeks

    Minimise
    Bills - Weather has been awful so unfortunately not managed to line dry anything.
    Plastic - Recycling as much as possible and have been trying not to buy things wrapped in plastic where I can.
    Waste - No food waste. OH had been keeping on top of this and cooking meals that incorporate anything that needs used up.
    Screen time - Doing fairly well with this one.

    Maximise
    Fruit and veg intake - really struggling.
    Health - Been out for a few runs and am planning another tomorrow.
    Extra pennies - Have been doing one or two shifts each week for 2nd job plus some overtime at my work.
    Time with those you love - Lots of quality time spent with OH including going away last weekend. Long chat with my sister yesterday.

    Aim for 15 NSDs - 8/15
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Car debt Nov 2017 £797.68 Now £661.92 (17% paid) + monthly payments £146.82 23/60
    Emergency fund - £210/£1000. Car fund - £320/£1000.
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