NST March TURTLES ARE TOUGH
edited 26 February 2016 at 12:41AM in Debt-free wannabe challenges
378 replies 24.3K views
NST MARCHTURTLES ARE TOUGH
March starts with Mother's Day (6th) and ends with Easter (GF 25th) and then there's also the 17th. Some of you will have holidays booked (please feel free to join the challenge suitably adjusted). Have you extra childcare needs/ expenditure? Food budgets may need to be adjusted if people normally eat elsewhere. School holidays should include as many free/ low cost treats as possible (for adults as well). I mention it now as some events have limited numbers. However otherwise it is
U will avoid coffee shops, pie shops, sandwich bars, vending machines, canteens and takeaways
Reduce your food budget by 1/15th (divide this month's budget by 15 and take one off). This means that those with large family budgets reduce by the same amount as lone turtles.
The challenge runs from 1st March to midnight on the 31st March.
Lunchto work every day. Also to appointments/ other regular activities and if possible on outings.
Exercise. 4 x 30 minutes a week. Please exercise with caution if you have been ill. Break it down into 10 minutes sessions if you need to. Those who already have more developed regimes, continue as usual.
Savings or debt repayments come first. live on what is left over.
Audit your cupboards, fridge and freezer and meal plan before going shopping. Make a meal using something that has been in the cupboard for a while.
Review your annual budget. Next year's Council tax and Water bills will be arriving. The big energy switch has just taken place. These bills have greater impact on those on lower incomes but everyone needs to factor them in (don't go overdrawn). Are all your renewal dates in your diary so you can compare ahead of time? Are there any annual/ occasional expenses which you tend to forget?
Eat Well. Give your brain and body the fuel they need to do their jobs. Eat more veg to boost your immune system - particularly important for those who have been ill recently. Remember the standard portion of meat should be approximately the size of a small matchbox.
Tough. This is my aim this March. Deviations from the rules may be questioned. Alternatives will be suggested. This means that I must be tougher on myself then on you as to do less would be hypocritical. If you are putting yourself on the naughty step could you take a duster or wet cloth and give it a wipe when you are there as I am still finding it difficult to reach?
Others as ourselves Donate to a food bank or charity of your choice (time, goods or money). Someone somewhere is worse off than you.
U will aim for 16 Spend Free Days. Remember this is to help stop impulse spending, the 'went in for two things and came out with a basketful' syndrome. Also helps with small spends which can become expensive habits. A small chocolate bar won't kill you but when you get to 11 am and you are expecting that chocolate bar (and then eating tit without any awareness). If you prefer to chart your spending in line with your budget (ie half way through the month/ less than 1/2 spent) this is fine.
Get ready. the clocks change at the month end. Spring is officially upon us. Time to get fit - physically, mentally and moneywise.
Home. This will be my main focus for March, making up for years of neglect and patching up.I would like you to make up a 'snag list'. Go round your house one room at a time and list all the jobs that need doing. You can add 'niggly' jobs if you like - the drawer that never gets sorted. Sort into things you can tackle (or think of ways to tackle them) and those you might have to pay for. Start with the no cost ones. If it's something that would take less than 5 minutes, just do it (you are allowed to put it on the list and tick it off afterwards - I know how satisfying that can be).
So are you tough enough for March?
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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