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    • mothernerd
    • By mothernerd 29th Jan 18, 8:24 PM
    • 2,311Posts
    • 24,014Thanks
    • #1
    • 29th Jan 18, 8:24 PM
    NST February A FOREST ADVENTURE 29th Jan 18 at 8:24 PM
    NST February


    For February, I want to take you on a trip to the Fantasy Forest. This is no domestic wood. The Fantasy Forest is packed with dense green foliage and bright flowers. It is dense and humid. (You may want to retreat there for a few minutes each evening).

    The forest is wild and dangerous. There may be traps (broken boiler/ burglary). The animals may not all be friendly. We may encounter snakes, monkeys or polar bears (salesmen, procrastination, totally unexpected) to slow our journey or force us from the path to debt freedom.

    The insects will undoubtably bite. We may succumb to lurgy or delirium (getting am*z0n to send a drone won't really hurt, will it?). Youngsters and young adults will be joining us during half term and we must make provision for them.

    How will we survive. We will prepare and plan thoroughly. We will think what we need (not want) and stick to our goals, find solutions when set backs occur. We need to be as fit as possible (physically, mentally, spiritually and financially). If we are under par, we must take steps to right this.

    When it's hard, we will just keep plodding. We will help and encourage those who are struggling or suffering and celebrate any and all success. No turtle gets left behind.

    The forest is beautiful and magical. Enjoy the journey.


    Always pay to debts or savings first, live on what is left.

    First of February until the 28th, inclusive. All turtles commit to following the rules.

    Organise your budgets before the start of the month and stick to them.

    Reserve a small portion of your budget (cash or goods) for the food bank or charity of your choice.

    Environment Be aware of your surroundings and use all your senses. Be alert to danger but also to beauty.

    Stock take your cupboards, fridge and freezer. Base your meal plan upon them and your shopping list on what is needed. Stick to your list.

    Takeaways are forbidden (unless as part of family entertainment night/ birthday choice). Coffee shops, vending machines, works canteens etc are also banned (pastoral exceptions).

    Always take your lunch to work and snacks and drinks for outings or appointments (may excuse one trip with children or allow ice creams etc if part of the experience).

    Do something different. If nothing changes, nothing changes. We want to see small positive changes which become habits and then just part of who you are. Pick 2 or 3 things you want to change. Start with one small change and after five successful days, add another.

    Valentine Who? We will not be celebrating commercialism or bad taste. Do your own thing. Practice kindness to all and don't forget yourself. Treat yourself kindly, like a friend or someone you love and care about. Smile, hug, say hello (I understand these things are culturally unacceptable in London and some southern regions - try to change it but don't get arrested or committed). Small gestures of kindness may make someone else's day.

    Exercise 5 times a week please. It should be commensurate with your abilities and current state of health (be careful after flu/ viruses). Getting outside helps with mantal health too.

    NSDs are staying at 18 this month. that is still 10 days available for necessary shopping. There would be far fewer opportunities in the forest. Exceptions for medical care, petrol (should be within budget), bus fares, ys bargains and milk for greent.

    it away. We should all be aware that there is no such place as 'away' and recycle or donate appropriately but we all have too much stuff and even if you are ill, getting the rubbish and recycling helps slow the descent into chaos.

    Use what you have. Fix something (for free if possible). Make something from a cardboard box (ideas for half term). If you have time, it may be useful to go round your house making a list of things that need fixing. Some may need to wait for better weather but when you are repaying debt and the focus is on that, you may find your house looking rather shabby. If you have a list of things that can be fixed or improved at little or no cost, it can give you a lift and a sense of progress.

    Refuel properly. You ask a lot of your body, give it the fuel that it needs - healthy food, water, a reasonable amount of sleep. Refuel your mind and spirit by taking time to relax and rewind.

    Elephants and Frogs. We all have them. For newer turtles who have never visited Flylady, a frog is any task you have been putting off - eg a difficult phone call. Over time the small task has become a giant obstacle. Tackle the frog and the rest of your day will be a breeze.
    An elephant is such a huge task that you just do not know where to start. How does one eat an elephant? One bite at a time. elephants need to be broken down into small manageable pieces. i want to hear about lots of frogs being eaten and the odd elephant being cut down to size. (That will leave us with more time to hide from the polar bears).

    Along the way we will have daily inspiration. This challenge is intended to be hard (several turtles were already anticipating a difficult month) so this month's quotes are going to be gentle and nurturing.

    They are not a get out of jail free card, but when you are having a difficult day, just focus on the quote of the day, take comfort from it.

    There may also be mini challenges, but these are optional.

    So who is tough enough for the turtle challenge.

    This year I will be fierce
    NST Mar #6 SFD 13/18 Food £98.18/£120 Travel £15.90/£15 Ent £18.94/£30 (+ £20 membership fee) Coat fund £30
    No Debt No mortgage
Page 1
    • mothernerd
    • By mothernerd 29th Jan 18, 8:25 PM
    • 2,311 Posts
    • 24,014 Thanks
    • #2
    • 29th Jan 18, 8:25 PM
    • #2
    • 29th Jan 18, 8:25 PM
    Turtle Challenge February contenders

    1 mothernerd
    2 NSK
    3 shabbychic12
    4 greent
    5 apple muncher
    6 Chloris
    7 Dottydaisy
    8 DawnW
    9 misstara
    10 sashanut
    11 Kerry woman
    12 Baileys Babe
    13 dolly84
    14 Shelbi
    15 DancingDragons
    16 dizzyblnd
    17 Munchin
    18 Igamogam
    19 Fmess
    20 Jellibeanz
    21 missyv30
    22 Lauralozzle
    23 laurenh1
    24 ilovetea
    25 bizzie
    26 f0xh0les
    27 Welsh Kitty
    28 Calling14
    29 indigowarrio
    30 abundant
    31 DizzyImp
    32 Onourwayup
    Last edited by mothernerd; 20-02-2018 at 2:56 PM.
    This year I will be fierce
    NST Mar #6 SFD 13/18 Food £98.18/£120 Travel £15.90/£15 Ent £18.94/£30 (+ £20 membership fee) Coat fund £30
    No Debt No mortgage
    • shabbychic12
    • By shabbychic12 29th Jan 18, 8:38 PM
    • 75 Posts
    • 332 Thanks
    • #3
    • 29th Jan 18, 8:38 PM
    • #3
    • 29th Jan 18, 8:38 PM
    Can l please join for Feb, lurked during January lol
    Turtle Challenge March 09 contender
    2018 declutter and destress.
    2018 early retirement wannabe
    Save 12k in 2018 £1182/£12000
    £28/week on wk9/52 (£1 a day challenge)£224
    All this saving l'm turning into my Dad
    • greent
    • By greent 29th Jan 18, 8:44 PM
    • 6,784 Posts
    • 69,714 Thanks
    • #4
    • 29th Jan 18, 8:44 PM
    • #4
    • 29th Jan 18, 8:44 PM
    Count me in please, mothernerd - and thank you for my milk exemption!
    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) £287.70/£4000
    Net sales 2018 £80.07/£1000 PAYDOX18 (#15) £2260.38/£18694.38 Decluttered 362/2018 items
    • apple muncher
    • By apple muncher 29th Jan 18, 8:56 PM
    • 7,067 Posts
    • 53,133 Thanks
    apple muncher
    • #5
    • 29th Jan 18, 8:56 PM
    • #5
    • 29th Jan 18, 8:56 PM
    I'm ready for an adventure! Thank you mothernerd.
    NST Marcher #1; NSD 15/18 ; Ex 18/20 ; craft 23/20 (24); remove 124
    2018 Pay off: £957; 2
    018 sell

    Mortgage £22,156 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • Chloris
    • By Chloris 29th Jan 18, 9:00 PM
    • 583 Posts
    • 8,601 Thanks
    • #6
    • 29th Jan 18, 9:00 PM
    • #6
    • 29th Jan 18, 9:00 PM
    Please can I join again mothernerd? I'm not a big poster but the January challenge really kept me on track. I will try to post more. X
    • Dottydaisy
    • By Dottydaisy 29th Jan 18, 9:57 PM
    • 72 Posts
    • 994 Thanks
    • #7
    • 29th Jan 18, 9:57 PM
    • #7
    • 29th Jan 18, 9:57 PM
    I would love to walk through the forest of adventure so please count me in Mothernerd
    • DawnW
    • By DawnW 29th Jan 18, 9:58 PM
    • 4,889 Posts
    • 38,380 Thanks
    • #8
    • 29th Jan 18, 9:58 PM
    • #8
    • 29th Jan 18, 9:58 PM
    Can I join please?
    NSDs for March 9 / 18

    • misstara
    • By misstara 29th Jan 18, 10:44 PM
    • 2,628 Posts
    • 18,495 Thanks
    • #9
    • 29th Jan 18, 10:44 PM
    • #9
    • 29th Jan 18, 10:44 PM
    Love it mothernerd, count me in please
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £988.09 (57.1% paid)
    Car debt Nov 2017 £797.68 Now £622.55 (22% paid) + monthly payments £146.82 3/60
    Emergency fund - £20/£1000. Car fund - £80/£1000.
    Mini Targets in March
    Exercise target - 0/12. Groceries target £123.82/£150. NSD target 11/18.
    • sashanut
    • By sashanut 29th Jan 18, 11:14 PM
    • 2,724 Posts
    • 25,333 Thanks
    Hi all

    Please count me in for Feb!!
    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
    • Kerry Woman
    • By Kerry Woman 29th Jan 18, 11:20 PM
    • 2,227 Posts
    • 21,560 Thanks
    Kerry Woman
    Can you please count me in for February.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST March: Marching to a different beat NSD 16/18
    • Baileys Babe
    • By Baileys Babe 30th Jan 18, 9:08 AM
    • 2,229 Posts
    • 10,864 Thanks
    Baileys Babe
    Please, can you count me in?
    • dolly84
    • By dolly84 30th Jan 18, 9:10 AM
    • 3,749 Posts
    • 34,778 Thanks
    Thanks for the new challenge Mothernerd. I'm in for this month.
    Total Debt 01/14 £13043.00, now £0 debt free date Dec 2016, actually July 2016.
    • Shelbi
    • By Shelbi 30th Jan 18, 10:07 AM
    • 681 Posts
    • 1,608 Thanks
    Hi everyone, please can you count me in for Feb
    Debt at 5th attempt
    Step 1-1 debt vs 100days chpt27- £4603.46/£4603.46 (100%)- deadline 29.12.17- Done!!
    Step2- cc £5482.83/£5482.83 (100%) DFD-01.03.2018
    save for xmas-0/£600
    Emergency Fund- 0/£5000
    • DancingDragons
    • By DancingDragons 30th Jan 18, 2:05 PM
    • 100 Posts
    • 1,157 Thanks
    Thanks Mothernerd for running this month.
    Please count me in.
    2018 Mad March Ninja #30 | NSD 0/16 |
    I can do this! Debt: 11,989.29 11,489.29 goal DFD June 2020
    -34lb to 2019. Lost 7lb
    • dizzyblnd
    • By dizzyblnd 30th Jan 18, 3:54 PM
    • 401 Posts
    • 3,632 Thanks
    Can I join please? It's my mums birthday and my mother in laws birthday. I will try to plan both before Wednesday and buy everything at once.
    NST2018 mortgage-free wannabe #145
    • Munchin
    • By Munchin 30th Jan 18, 5:09 PM
    • 2,250 Posts
    • 6,912 Thanks
    Hi Mothernerd, I would like to join the challenge for Feb.

    Thanks M.
    • Igamogam
    • By Igamogam 30th Jan 18, 7:29 PM
    • 5,519 Posts
    • 45,002 Thanks
    I'm in Mothernerd
    Be the change you want to see -with apologies to Gandhi
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat'
    • mothernerd
    • By mothernerd 30th Jan 18, 8:53 PM
    • 2,311 Posts
    • 24,014 Thanks
    Everyone up to here has been assigned a number. Please check post no 2 and let me know if I have missed you out.
    This year I will be fierce
    NST Mar #6 SFD 13/18 Food £98.18/£120 Travel £15.90/£15 Ent £18.94/£30 (+ £20 membership fee) Coat fund £30
    No Debt No mortgage
    • Fmess
    • By Fmess 30th Jan 18, 10:26 PM
    • 2,667 Posts
    • 25,513 Thanks
    Please count me in
    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
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