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  • FIRST POST
    • misstara
    • By misstara 28th Oct 17, 6:43 PM
    • 2,536Posts
    • 17,796Thanks
    misstara
    Bonfires and fireworks - NST November challenge
    • #1
    • 28th Oct 17, 6:43 PM
    Bonfires and fireworks - NST November challenge 28th Oct 17 at 6:43 PM
    Welcome to the November NST challenge. November is probably one of my favourite months of the year - I love being all cosied up in warm clothes, all the leaves coming off the trees, the anticipation of Christmas coming up and even the dark nights, however, I know that many people dread this time of year so part of this challenge is to do with looking after your mental health.

    November is a good time to have a bit of clear out and have a bonfire. I'm not asking you to actually have a bonfire but have a look through and see if there's anything that can be ebayed or put to the charity shop. November is also bonfire night. Most local councils put on a fireworks display so if you can, go along to watch.


    November rules
    NSDs- set your own NSD target of over 12. As usual, household bills, medical expenses, budgeted travel expenses and ys items are exempt as long as that's all you spend.
    Organise - set your budgets now, pay to your debt/savings first. Organise any social things now, try and keep them low cost or free if possible. Look at your food budget, is there any savings to be made?
    Value for money - for all your purchases during November, I want you to ask yourself if you are getting value for your money. Look round for better deals, can you get it cheaper elsewhere?
    Exercise - I know the weather is getting colder and miserable but try to get outdoors for a bit each day even if just for 10 minutes. If you already do quite a lot of exercise, try something different. Go a different route when out walking/running or try a different gym class.
    Mental health - think of all the things you do to keep good mental health or strategies you have in place to combat poor mental health. As the long nights draw in, it can have an impact so try and do something daily to keep good mental health.
    Be Christmas ready - in October mothernerd encouraged us to get organised for Christmas so hopefully most of you are already pretty organised but for those you aren't (me!), start organising now. Plan who you are buying for, what you're buying and the budget. Can you add a few items of food to your weekly shop to spread the cost?
    Eat well - at this time of year, I tend to eat more stodgy food and there's always yummy snacks to be had so this month I'm going to make a conscious effort to eat better. If you already do this, pick another area to work on this month.
    Report - post daily if you can with a list of three things that you are grateful for.
    Last edited by misstara; 28-10-2017 at 9:55 PM.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1141.10 (50.4% paid)
    Car debt Nov 2017 £797.68 Now £703.58 (11.8% paid) + monthly payments £146.82 1/60
    Emergency fund - £30/£1000. Car fund - £75/£1000.
    Mini Targets in January
    Exercise target - Run 0/6, Gym 3/6. Groceries target £82.80/£150. NSD target 9/18.
Page 1
    • misstara
    • By misstara 28th Oct 17, 6:44 PM
    • 2,536 Posts
    • 17,796 Thanks
    misstara
    • #2
    • 28th Oct 17, 6:44 PM
    • #2
    • 28th Oct 17, 6:44 PM
    1 misstara
    2 DawnW
    3 apple muncher
    4 Kerry Woman
    5 DancingDragons
    6 thriftylass
    7 greent
    8 ilovetea
    9 mothernerd
    10 sashanut
    11 bizzie
    12 Fmess
    13 laurenh1
    14 clippy_girl
    15 Eager_Elephant
    16 f0xh0les
    17 Toni'sfriend
    18 BadBookkeeper
    19 IrisViolet
    20 x_raphael_xx
    21 Sun Addict
    22 mummylewis
    23 Baileys Babe
    24 DebtFreeDuo
    25 fruitloop04
    26 Pauper1
    27 Florence J
    28 Timetopullmysocksup
    29 Robi90
    30 doingitanyway
    31 indigowarrior
    32 moneysavingfamilycomp
    33 *snow*white*
    34 Dottydaisy
    35 seekingthesunlight
    Last edited by misstara; 05-11-2017 at 11:03 PM.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £1141.10 (50.4% paid)
    Car debt Nov 2017 £797.68 Now £703.58 (11.8% paid) + monthly payments £146.82 1/60
    Emergency fund - £30/£1000. Car fund - £75/£1000.
    Mini Targets in January
    Exercise target - Run 0/6, Gym 3/6. Groceries target £82.80/£150. NSD target 9/18.
    • DawnW
    • By DawnW 28th Oct 17, 6:56 PM
    • 4,748 Posts
    • 36,706 Thanks
    DawnW
    • #3
    • 28th Oct 17, 6:56 PM
    • #3
    • 28th Oct 17, 6:56 PM
    Can I join for November please MissTara?
    NSDs for January 6 /18
    Decluttering 24 /31

    • apple muncher
    • By apple muncher 28th Oct 17, 7:26 PM
    • 6,804 Posts
    • 50,672 Thanks
    apple muncher
    • #4
    • 28th Oct 17, 7:26 PM
    • #4
    • 28th Oct 17, 7:26 PM
    Love it! Count me in please.
    NST January #1; NSD 14/18; Ex 17/12; craft 2/20 (0); remove 28
    2018 Pay off: £248; 2
    018 sell

    Mortgage £23,143 (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 28th Oct 17, 7:34 PM
    • 2,142 Posts
    • 20,548 Thanks
    Kerry Woman
    • #5
    • 28th Oct 17, 7:34 PM
    • #5
    • 28th Oct 17, 7:34 PM
    Can you please count me in? Thanks.
    Frugal Living Challenge 2018
    Mortgage free as of 1st August 2013
    NST January: Health, Wealth and a Life Well Lived NSD 13/18
    • DancingDragons
    • By DancingDragons 28th Oct 17, 7:45 PM
    • 77 Posts
    • 869 Thanks
    DancingDragons
    • #6
    • 28th Oct 17, 7:45 PM
    • #6
    • 28th Oct 17, 7:45 PM
    Thanks for this misstara, please count me in too.
    • thriftylass
    • By thriftylass 28th Oct 17, 8:59 PM
    • 3,182 Posts
    • 26,125 Thanks
    thriftylass
    • #7
    • 28th Oct 17, 8:59 PM
    • #7
    • 28th Oct 17, 8:59 PM
    I'm in again, thank you.
    NST Janus 42
    SFD 8/20 spends 220/450
    Exercise 6/20
    Debt - all 0% 1900 to go from 5290
    DFD 5/2018 Mortgage 109343 (04/17) 105216 (01/18) OP 0
    • greent
    • By greent 28th Oct 17, 9:32 PM
    • 6,669 Posts
    • 67,855 Thanks
    greent
    • #8
    • 28th Oct 17, 9:32 PM
    • #8
    • 28th Oct 17, 9:32 PM
    count me in, please x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) Bal 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) £0/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 £991.65/£17044.10 Decluttered 151/2018 items
    • ilovetea
    • By ilovetea 28th Oct 17, 10:31 PM
    • 842 Posts
    • 6,479 Thanks
    ilovetea
    • #9
    • 28th Oct 17, 10:31 PM
    • #9
    • 28th Oct 17, 10:31 PM
    Can I join in as well ,please.

    ilovetea xx
    £2017 in 2017. #2 £1,511.20
    • mothernerd
    • By mothernerd 28th Oct 17, 10:41 PM
    • 2,223 Posts
    • 22,858 Thanks
    mothernerd
    Sign me up please misstara - just what I need.
    This year I will be fierce
    NST Jan #16 SFD 10/18 Food £100/£100 Travel £3.60/£20 DIY £0/£30 Ent £4/£50
    No Debt No mortgage
    • sashanut
    • By sashanut 28th Oct 17, 11:45 PM
    • 2,653 Posts
    • 24,758 Thanks
    sashanut
    Hi all

    I'm in again please!!
    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
    • bizzie
    • By bizzie 29th Oct 17, 1:03 AM
    • 114 Posts
    • 1,325 Thanks
    bizzie
    Can I join in please.
    Groceries 209.80 / 400 Personal Spends ....../100
    NST January #22 NSD 6/18 @ 14/01/18
    Goals for 2018: Balance in
    Self: Health: Wealth :
    • Fmess
    • By Fmess 29th Oct 17, 6:44 AM
    • 2,623 Posts
    • 24,970 Thanks
    Fmess
    Me please, thank you
    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 29th Oct 17, 7:12 AM
    • 321 Posts
    • 3,058 Thanks
    laurenh1
    Me again please xx
    • clippy_girl
    • By clippy_girl 29th Oct 17, 7:22 AM
    • 2,242 Posts
    • 8,668 Thanks
    clippy_girl
    Me please
    • Eager_Elephant
    • By Eager_Elephant 29th Oct 17, 7:37 AM
    • 4,169 Posts
    • 23,510 Thanks
    Eager_Elephant
    Thanks misstara - I have been AWOL on the October thread so wish to start afresh - count me in
    Ninja Saving Turtle No. 24 for January
    NSD - 11/18
    (up to 17/01/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • f0xh0les
    • By f0xh0les 29th Oct 17, 8:06 AM
    • 1,216 Posts
    • 9,477 Thanks
    f0xh0les
    Please MissTara sign me up for November
    MFW START DATE May 16 £118,340 :
    October 17 - £109,495.00
    December 17 £108,800

    Jan 18 £108,392.98
    NEXT GOAL is sub £105k
    Mortgage-free wannabe 2018 #161
    • Mooloo
    • By Mooloo 29th Oct 17, 9:25 AM
    • 9,383 Posts
    • 45,654 Thanks
    Mooloo
    I am pretty useless at trying to Plan NSDs and didn’t succeed at October’s challenge so I will just try reading and getting inspired again this month.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Toni'sfriend
    • By Toni'sfriend 29th Oct 17, 9:26 AM
    • 753 Posts
    • 10,924 Thanks
    Toni'sfriend
    Me too please
    • BadBookkeeper
    • By BadBookkeeper 29th Oct 17, 10:17 AM
    • 105 Posts
    • 665 Thanks
    BadBookkeeper
    Can I join please?
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