mothernerd wrote: »
TURTLES 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
Time to get tough. Time to get serious. Time to stop procrastinating. What have you been putting off? What have you been avoiding? Are there any areas where you are falling down? 1, Ok, I've been putting off clearing my debt which is insane! I've always put things off, so maybe it's time to take the bull by the horns, make a plan...in writing...stick it on my kitchen cupboard door and 'bust' it!!U will avoid coffee shops, pie shops, sandwich bars, vending machines, canteens and takeaways2, This shouldn't be an issue as I rarely go into them, apart from Maccys to use their internet! I usually have a free coffee voucher to use so I don't look too conspicuous!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.3, This might be hard but I will give it a go. I don't usually spend more than £20 pm as I have quite a lot given to me for free. Still, it's a challenge and I will challenge myself to do it!The challenge runs from 1st March to midnight on the 31st March.4, Looks like it's started!Lunchto work every day. Also to appointments/ other regular activities and if possible on outings.5, i'm retired so not a difficulty.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.6,i walk I walk at least 3 Mile's a day as part of another challenge I'm on, so will increase that to extra.Savings or debt repayments come first. live on what is left over.7, That's my plan! I'm dog walking to put the extra money towards paying it off!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.8, I only have a few bits at the moment as I'm trying to eat/empty the freezer to defrost. Will certainly stick to this!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?9, I've already shaved my utilities down, but will see if there us any 'wiggle' room!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.10, Not a problem, but there is always room for improvements.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?11, Bring it on:TOthers as ourselves Donate to a food bank or charity of your choice (time, goods or money). Someone somewhere is worse off than you.12, I always give. There is always someone worse off!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.13, No problem. I HATE spending!Get ready. the clocks change at the month end. Spring is officially upon us. Time to get fit - physically, mentally and moneywise.14, I'm going to use my gym more. My free sessions are at 7.30am, and is 2 miles walk, so I will get up earlier to do those sessions. (Yawn)!!!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).15, This is good.....! What a great idea. I'm forever putting things off but can tackle them in bite-size peices.
So are you tough enough for March?
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