NST: October Turtle Triathlon

NST: October Turtle Triathlon
:j:j:j

To be a triathlete means :-
  • you are hardcore
  • you are already a superhero
  • you already have a different mindset from the majority of people
  • you already train three very different skills, improving areas where you are weaker whilst maintaining your strengths

We shall swim, bike and run our way together through October together. Some are able to sprint, others will waddle, but we shall ALL make it to the finish line. We are not competing against each other, we are here to encourage each other on, to share tips on training our money-saving muscles.

  • [FONT=&quot]The Challenge will commence on the 1st October @ 00:00 and end on the 31st October @ 23:59.[/FONT]

S
ay ‘NO’ to the consumerism that sweeps the country in the build-up to Christmas. Enjoy the preparations, but decide your present list and do not add to it. Do not buy gifts out of any ‘should’ or ‘ought to’ feelings. Plan your food carefully and stick to your budget.

Waste nothing – especially food and your energy. Choose your focus and keep your eyes on that goal this month. What will you fill your head with this month? Remove excuses, unsatisfying filler activities (tv, FB, PC time) and dedicate time to your chosen focus.

I
dentify your stress buttons and find ways to switch them off. People? Circumstances? Things that do/don’t happen? Choose not to be drained by external factors.

M
e-time is vital – be kind to yourself (and others too, but yourself FIRST). Find something every day that makes you smile.



B
udget absolutely EVERYTHING before the month starts. Look ahead to the next 31 days and plan your NECESSARY spends. Food, travel, presents…. Turn down invitations and use those pennies towards paying off your debt. Do NOT [FONT=&quot]use any coffee shops, vending machines, cafes, canteens unless you have specifically budgeted for it.[/FONT]

I
mprove your money-saving muscles. Work them hard and often. Tell us all how you make/save those extra pennies. Every penny off your debt is less money to THEM (those pesky lending institutions). It is worth it!

K
ick your debt’s @$$! Set your Debt Free Date in stone, make it public (here), and plan how you will pay it off as quickly as possible. Your Debt is a millstone that holds you back from standing up tall and free. Shake off the shackles! Pay off your debt first and live off the remainder – that is why you have done a detailed budget.

E
ach and every spend is weighed up and, if made, is written down in the notebook that you always carry with you. Do not think that you ‘deserve a treat’ – that will waste your cash. Instead, plan a treat for the end of the month and enjoy the anticipation. (I put away £1 for every NSD, exercise session, 10 000 steps, 10 veggies or sugar-free day I have. What I ‘earned’ in July was our spending money on our holiday in August.)



R
emember those who are worse off than you – we shall give £5 of food and toiletries to the foodbank.

U
se up your toiletries before buying new ones. Got ones you will never use/finish? Give them away! Don’t keep the clutter in your life.

N
o Spend Days (aka Spend Free Days) shall number 16. That means you can spend on alternate days! Take your lunch to work every day. NOT counted as ‘spends’ are DDs, prescriptions/urgent medication, any yellow stickered produce (so long as nothing else goes in your basket), children’s activities that have to be paid weekly (so long as they are in your budget) or items bought solely with vouchers. For those with kiddies, you have half term this month – some of you may have 2 weeks of it. PLAN, PLAN, PLAN!



Who is with me?
NST May mischief #5
S; NSD ; Ex

MFWDate: very soonish. I hope...
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Replies

  • edited 1 October 2014 at 11:02AM
    apple_muncherapple_muncher Forumite
    13.3K Posts
    Eighth Anniversary 10,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    edited 1 October 2014 at 11:02AM
    Reserved for challengers:

    1 apple muncher
    2 Habibiboo
    3 Calling14
    4 Caeraugirl
    5 mothernerd
    6 PhoeniX
    7 moohound
    8 Stewby
    9 shyspender
    10 Magsnoodle
    11 LoveaDove
    12 lubava
    13 nannygladys
    14 liltdiddylilt
    15 sazzlebgood
    16 Fmess
    17 crazy_lady2009
    18 luckystarr
    19 allie23
    20 speaking of art
    21 abundant1972
    22 lindsaygalaxy
    23 Celticmiss
    23 XSpender
    24 CEW
    25 Aloofdragon
    26 Samiszel
    27 Tiggy10
    28 tori.k
    29 StressedSteph
    30 thriftylass
    31 traveller
    32 Estragon
    33 ilovetea
    34 dolly84
    NST May mischief #5
    S; NSD ; Ex

    MFWDate: very soonish. I hope...
  • stewbystewby Forumite
    1.2K Posts
    1,000 Posts Combo Breaker Debt-free and Proud!
    Not read it yet but me please!!!!!

    Number 8 if possible.
    :o

    Will go back and have a read now.
    Hugs.
    Mortgage: £0/£80,329.91
    Savings: £0/£6400
    :love:
  • edited 24 September 2014 at 2:33PM
    HabibibooHabibiboo Forumite
    1.6K Posts
    edited 24 September 2014 at 2:33PM
    :wave:

    What an excellent challenge!

    I knew you had a triathlete pose on that bicycle of yours, just knew it!

    smileys-cycling-022395.gif

    I'm with you A*M, although you might have to give me a kick to keep updating over here!

    Mr Hbbb often tells me I have a different mindset to other people, not sure he means in the good way that you do though! :p

    Thanks for a great challenge! x
    Stash busting 2014 45 / 60 (balls of yarn)!
    2014 Sealed Pot #2136 ?/£500
    House: Decluttering 322 / 365
    Original mortgage [STRIKE]£149,000[/STRIKE][STRIKE]£117,750[/STRIKE];[STRIKE]£112,500[/STRIKE] MFW 2014#69 GOAL 1: [STRIKE]£109 K April[/STRIKE] ;) GOAL 2: [STRIKE]£103 K by Sept[/STRIKE] ;) GOAL 3: < £100k by end of 2014 MF goal: Nov 2020 - 4 years early
  • Calling14Calling14 Forumite
    3.5K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Forumite
    Lyrca clad bring it on :beer:
    LBM 13039 1.1.13 Now £0 Finally Debt Free
    Mortgage free Oct 2019:)
    EFund/savings £31000 20/3/22
  • Calling14Calling14 Forumite
    3.5K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Forumite
    Sounding great by the way
    LBM 13039 1.1.13 Now £0 Finally Debt Free
    Mortgage free Oct 2019:)
    EFund/savings £31000 20/3/22
  • Have been less than motivated last month despite Mothernerd's brilliant leadership, and was considering opting out for this month while I got my act together, but your Triathlon Challenge has fired me up so count me in! Can I wear a baggy T-shirt to cover my lumpy lycra-clad bod though please......
  • mothernerdmothernerd Forumite
    4.8K Posts
    Eighth Anniversary 1,000 Posts Name Dropper Debt-free and Proud!
    Forumite
    Yes please, but I am with Caeraugirl on the lycra, loose and flowing for me (don't want to frighten the horses or small children).

    Excellent challenge.
    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 SEP No 1 No Debt No mortgage
  • apple_muncherapple_muncher Forumite
    13.3K Posts
    Eighth Anniversary 10,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    :D Let me assure you that lycra is optional!!!!!!!!!!!!!!!!!!!!!!!!
    NST May mischief #5
    S; NSD ; Ex

    MFWDate: very soonish. I hope...
  • count me in your turtle-thon team please Applemuncher! :D whoop!!:j
    :D Ninja Saving Turtle :D
    SFD 1 Food 0 Fuel 0 Fun 0 Misc 0
  • mothernerdmothernerd Forumite
    4.8K Posts
    Eighth Anniversary 1,000 Posts Name Dropper Debt-free and Proud!
    Forumite
    Thanks for lycra reassurance. Also would have to buy it so a no no.
    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 SEP No 1 No Debt No mortgage
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