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NST July - Own your choices
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Bobarella
Posts: 10,824 Forumite
Hi All
The main theme for July's challenge is choice. We all constantly make choices in life, financial and otherwise. This month I want you to make the choice to be 100% debt free forever. Whether that is credit cards, ODs or Mortgages they all count & only you can decide that is what you really want and move towards it.
sign up now for your contender number.
The Rules
This challenge runs from 00.00 on 1st July & ends 00.00 July 31st.
1. This month I want you to have a good think about what your biggest financial failing is. The best way to do this is to go to your bank records and work out what patterns emerge. It might be that you start off with good NSD intentions but fail to plan meals properly and so end up with 5 trips to a supermarket per week instead of 1. Or do you draw money out of the cash machine and then fritter it away with nothing to show for it?
You then need to tell us all here what your weakness is and how you plan to address it.
2. This month I want you to set your own NSD target, but would hope for most to say 5 or higher.
3. We are 6 months till the end of the year now. What decisions did you make back in January and how have you done with them so far? If you've gone off the rails, tell us now how you plan to sort it out. No more vague hopes for better futures the way to success is tight organised planning.
4. Most of us have an idea of what perfection looks like. Dont be scared to visualise what that is for you. Tell your fellow turtles what you want from the future and how amazing it will be!
5. Choose to get active. Can you leave the car at home completely and cycle or walk to work? A lot of our behaviour is habitual so challenge those negative reasons for not choosing a more active life. Worried you will be late? Set the alarm 30 mins earlier.
6. Consider doing more for yourself. Do you need to pay £10 an hour for a cleaner when taking up a Flylady routine will mean your house is clean and you get a free work out. Or why not consider cutting your partner or kids hair with clippers & putting the saving to debt?
7. Report in daily with your updates and tips for others. Cat hit gold with her frugal daily frugal tips idea so do keep those coming if you have them.
8. Choose kindness. There are many people out there who need our kindness. Find ways throughout the month to make those around you happier some how.
Bob
The main theme for July's challenge is choice. We all constantly make choices in life, financial and otherwise. This month I want you to make the choice to be 100% debt free forever. Whether that is credit cards, ODs or Mortgages they all count & only you can decide that is what you really want and move towards it.
sign up now for your contender number.
The Rules
This challenge runs from 00.00 on 1st July & ends 00.00 July 31st.
1. This month I want you to have a good think about what your biggest financial failing is. The best way to do this is to go to your bank records and work out what patterns emerge. It might be that you start off with good NSD intentions but fail to plan meals properly and so end up with 5 trips to a supermarket per week instead of 1. Or do you draw money out of the cash machine and then fritter it away with nothing to show for it?
You then need to tell us all here what your weakness is and how you plan to address it.
2. This month I want you to set your own NSD target, but would hope for most to say 5 or higher.
3. We are 6 months till the end of the year now. What decisions did you make back in January and how have you done with them so far? If you've gone off the rails, tell us now how you plan to sort it out. No more vague hopes for better futures the way to success is tight organised planning.
4. Most of us have an idea of what perfection looks like. Dont be scared to visualise what that is for you. Tell your fellow turtles what you want from the future and how amazing it will be!
5. Choose to get active. Can you leave the car at home completely and cycle or walk to work? A lot of our behaviour is habitual so challenge those negative reasons for not choosing a more active life. Worried you will be late? Set the alarm 30 mins earlier.
6. Consider doing more for yourself. Do you need to pay £10 an hour for a cleaner when taking up a Flylady routine will mean your house is clean and you get a free work out. Or why not consider cutting your partner or kids hair with clippers & putting the saving to debt?
7. Report in daily with your updates and tips for others. Cat hit gold with her frugal daily frugal tips idea so do keep those coming if you have them.
8. Choose kindness. There are many people out there who need our kindness. Find ways throughout the month to make those around you happier some how.
Bob
If you haven’t already, join the forum to reply!
[purplesignup][/purplesignup]
[purplesignup][/purplesignup]
" Your vibe attracts your tribe":D
Debt neutral
27/03/17 from £40k:eek: in the hole 2012.
Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
Debt neutral
27/03/17 from £40k:eek: in the hole 2012.Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
0
Comments
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i'd like to join your gang please...If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 0/1000
Buffer fund 0/100
Debt March -1,119 (April) -889 (April) -498 (April) -378 (May) -875 July (190)0 -
Sign me up please Bob! I had to slide off the radar back in Feb whilst dealing with several hospital visits, but managed to become debt free in the meantime (who knew the NHS could help me save money?!) lolEveryone is a work in progress. :j
DEBT FREE AS OF 1st April 2016
:dance:
CC Debt = £4282 15/12/2015 :eek:
£2 Savers Club 2016 No. 13
EMERGENCY FUND 0/£10000 -
1. Doingitanyway
2.Catwoman
3.Bobarella
4. Dizzyblnd
5. Apple
6. Florence
7.Mothernerd
8. Thrifty
9.fmess
10.498Louise
11. JulieJim
12. Cat
13.Calling
14. Misstara
15.Munchkin
16.Clippygirl
17. Eager Elephant
18. FlorenceJ
19. Welshkitty
20.Evo
21.FizzyVimto
22. Speky
23. TrushTush
24. Helen Louise
25. Freshstartpie
26.Jbilling
27. Xspender
28. Kay28
29.Lillian" Your vibe attracts your tribe":D
Debt neutral 27/03/17 from £40k:eek: in the hole 2012.
Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
RYSAW17 £1900 2016 £2,535.16 2015 £1027.200 -
" Your vibe attracts your tribe":D
Debt neutral 27/03/17 from £40k:eek: in the hole 2012.
Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
RYSAW17 £1900 2016 £2,535.16 2015 £1027.200 -
Catwoman_2015 wrote: »Sign me up please Bob! I had to slide off the radar back in Feb whilst dealing with several hospital visits, but managed to become debt free in the meantime (who knew the NHS could help me save money?!) lol
Welcome back Catwoman and congratulations on your debt free status:T" Your vibe attracts your tribe":D
Debt neutral 27/03/17 from £40k:eek: in the hole 2012.
Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
RYSAW17 £1900 2016 £2,535.16 2015 £1027.200 -
Join me up please Bob. I would like to reduce my mortgage next.Mortgage free wannabee 2022 #820
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Sign me up please Bob.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 mortgage0
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I'm in too, please.NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!0
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I'm in!!!! Won't be debt free in a month, instead must do Payment a day (or weekly round up), not touch credit card, and womble/make money/be frugal/save everything.Debt Free Stage 1 - Completed 27/08/2020
Debt Free Stage 2 - Completed 50/181 Payments0 -
Me too please, any number this month. Lucky ones didnt work last few months.
Thanks BobarellaDEBT 02/25: total £6100 Debt free date 12/250
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