NST Joyful July

mothernerd Posts: 4,827
First Anniversary Name Dropper First Post Debt-free and Proud!
edited 28 June 2017 at 11:02PM in Debt-free wannabe challenges
Ninja Saving Turtles

We are now half way through the year and how are we doing with our annual goals?

Congratulations to those on target with debt busting / diet and exercise and any other goals. Keep it going remembering to revise your target if your current stepping stone is getting too comfy.

For those who have drifted from their path (hangs head in shame) there are still six months of the year left. You have time to wipe the slate clean and make a fresh start. Be honest about why things have not worked out. Were your original goals too tough? Did things go to pot when everyday pressures kicked in? Did you have a beautiful plan with all the details worked out but then failed to apply them (me again)? Remember Hope is not a strategy.

If you are reeling from the blows that life has dealt you (hugs, more hugs and a sympathetic ear) just hang in there turtles. Revise your goals or write an emergency strategy if needed, do what you can – you will still get there, but for now you have to use the B roads not the motorway.

The turtle gang are all here to help, advise, celebrate with you, commiserate with you, hand out tissues and hugs as required. We even do lycra clad cheerleaders with pompoms.

So if you are a regular contender (turtle life can be tough and demanding), a recent convert or just finding your way and trying turtledom for the first time, welcome to


JOY Life has been hard recently. I have always found joy in the little things. Some of us find 3 things to be grateful for at the end of each day and you may find it useful too – you can add it to your daily post or just write it down privately. Some days are full of good things, some days are dreadful but if you think carefully you can pick out moments of joy – a ladybird, a child's glasses case in the shape of a shoe, a smile or thank you from a stranger.

Try to wake joyfully too. It can help to write your 'to do' list (and make other preparations) the night before, so that you have a clear idea of your coming day. If possible take a few moments of peace and calm and take that forward into your joyful day. Make joyful memories with your children during the holidays and share any free/ low cost fun ideas.

ORGANISE You should know your Debt Free Date or if debt free your savings goal (mortgage free plan/ early retirement goal). If you don't know, work it out or if it is too daunting or too far in the future, set a target for this year. Work out how much you need to put aside to achieve this and live on what is left over. Sort your budgets for the month before July 1st (if possible).

YOU It starts from here, it starts with YOU, it starts with now.
I'm sorry but you are it. We may wish we had more money, a better job, weren't in this mess, more abc, less xyz. This is where you are. If you don't like it, change it. You can keep wishing or you can plan, decide what you want to do, set goals, break them down into small steps and start. Every small step helps even when you can't see the bigger picture.

Know yourself, your strengths and weaknesses.

If life has steam rollered over your plans, write new ones. Is it just temporary (hold your nerve, do what you can, resign yourself to being in a holding pattern until the crisis is over) or longer term (take a deep breath, eat from the cupboards, check through your annual budget).

FRUGAL The Frugalwoods are having another Uber Frugal Month Challenge
http://www.frugalwoods.com/2017/06/19/the-uber-frugal-month-challenge-is-back-july-2017-edition/ . I haven't read a lot of their stuff (some is location specific) but this is a sort of 'how low could you go', cut out absolutely everything you possibly could. I might be signing up and thought it might help some of you facing a difficult month. It won't be for everyone but it might be good to spend some time considering just what you could do without 'if you had to'. I will probably use some of it for daily inspiration.

USE what you have. Start by auditing the cupboards, fridge and freezer. Make meal plan based on these. Cook from scratch. After sorting out your big bills, the food budget is often the area where you can make great savings.

LOOK after you. If you are it, it all depends on you, so look after yourself (especially if no-one else is likely to). Make time for a little pampering or just sit and reflect. Mental and physical wellbeing is important. :A

JULY Challenge runs from 1st to 31st July.

UNLESS you have a specific reason (special celebration, no/ least harmful alternative) you should avoid takeaways, restaurants, vending machines, costalot outlets. Take lunch to work (hospital appointments etc) every day. Some turtles have the occasional spend built into their personal/ social spending budget.

LITTLE and OFTEN is the key for those who are poorly, new to exercise or who have fallen by the wayside. Start with 10 minutes a day, five times a week, rising to 20 minutes in the second week. More if you are young and healthy. Those of you with a well established training routine carry on - you know your needs/capabilities better than I.

YOU will aim for 16 NO Spend Days unless you set a much lower total last month, in which case try for 2 above last month's target. Medical necessities, ys bargains (no other purchases) and filling your car with petrol from a designated petrol budget are exempt (you still keep your NSD). Super organised turtles who never exceed their budget or buy anything on impulse do not count NSDs as they have other ways of controlling their spending.

Daily Posting is reccommended – keep reading if you can't post. If it all goes wrong, confess or ask for help/ sympathy. Turtles who are on holiday should adjust targets accordingly (posting/ NSDs/ separate holiday budget etc).

Who is up to the turtle 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


  • mothernerd
    mothernerd Posts: 4,827
    First Anniversary Name Dropper First Post Debt-free and Proud!
    edited 4 July 2017 at 9:41PM
    Reserved for Contenders

    1 mothernerd
    2 apple muncher
    3 Fmess
    4 Eager Elephant
    5 misstara
    6 Ice86
    7 FurryBeastOz
    8 Cuddlymarm
    9 x-Raphael-x
    10 Florence J
    11 abundant
    12 Lauralozzle
    13 f0xh0les
    14 Skint Teacher
    15 thriftylass
    16 indigowarrior
    17 Toni'sfriend
    18 Calling 14
    19 swimminginaseaofdebt
    20 bizzie
    21 Jo Blogs
    22 PlaysNicely
    23 mrshubbard
    24 greent
    25 clippy girl
    26 Munchin
    27 IncyWincy21
    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_muncher
    apple_muncher Posts: 14,612
    First Anniversary Mortgage-free Glee! First Post Name Dropper
    Love it, mothernerd! I have been perusing the fugalwoods UFM too, after seeing it on Greying Pilgrim's and XSpender's (I think) diaries, and have signed up for it.

    Please count me in :D
    NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!
  • Fmess
    Fmess Posts: 2,920
    Photogenic First Post First Anniversary Combo Breaker
    Me please, I have not been focused for the first half of this year but want to get back to it :)
    LBM = 07/09/13 Debt = £13339 (100% cleared)
    New roof and car £8557/£19003 New kitchen £396/£5039 Credit card Paid Student loan Paid
  • Eager_Elephant
    Eager_Elephant Posts: 4,714
    Combo Breaker First Post First Anniversary
    Count me in please mothernerd.

    I don't know that I am hardcore enough for the frugalwoods challenge though
  • Jo_Blogs
    Jo_Blogs Posts: 753
    Debt-free and Proud! Mortgage-free Glee!
    Good morning all :);)

    Super post mothernerd :p:p - I've decided to sign-up fot the 'Uber Frugal Month Challenge' :D. It looks fabulous and can't wait to start! :):):)

    Wishng you all a super July with all your goals :);)
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44:starmod: for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 ;)Sept NSDs 4/15:staradminCCCChl 9/12 months:D
    Sept PPChl#002 Pts 71
  • misstara
    misstara Posts: 3,855
    First Anniversary Name Dropper First Post I've been Money Tipped!
    Count me in :D
    Debt Dec 2022 - £2972.68. Current debt - £348.48 (88.3% paid). Flat deposit - £9915.77/£15000 (66.1% saved). Emergency fund - £1123.31/£1500 (74.9% saved).
  • Toni'sfriend
    Toni'sfriend Posts: 4,005
    First Anniversary First Post
    Me too please. I'm off to lookl for the Uber Frugal Month Challenge.
    Have adventures. laugh a lot and always be kind.
  • mothernerd
    mothernerd Posts: 4,827
    First Anniversary Name Dropper First Post Debt-free and Proud!
    Count me in please mothernerd.

    I don't know that I am hardcore enough for the frugalwoods challenge though

    I'm fairly sure I wouldn't be either, but thought it would be interesting/ inspiring reading and plenty of food for thought.

    Like Mr Money Moustache, some of it will not apply - US/ Canadian building methods (mainly wood based) simplify things a lot. Putting up shelves/ kitchen units/ curtain poles is a lot easier if screwing (will that pass the censors) into wood rather than 1/2" of soft plaster with rock hard Accrington bricks underneath.

    I remember a programme about a Canadian self- build scheme (about 20 years ago) and each floor was totally open but with moveable panels available. Each family could divide the space according to their individual needs ie
    - a family with young children could give them each a small bedroom
    - an artist left the whole top floor open to give the light needed for a studio
    - young singles who socialised with friends could have a large lounge/ party space and a small kitchen.
    When family circumstances changed panels could be added or taken away to reconfigure the layout.

    I tend to take what I can from these things but accept what is possible. That's why I subscribe to both the 'Couch to 5k' thread and the 'OS ways and poor health' one.

    I'm being distracted - I rescued a moth from the bath today, one of the beautiful pale yellow ones. I tried to put it on the window sill so that it's wings could dry out properly but it isn't having it. It insisted on walking up my arm and sitting on my back (round shoulders can be a positive thing?). It's walked all over my face and I've put it on my head, out of the way.
    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
  • lcc86
    lcc86 Posts: 2,286
    First Anniversary Photogenic Name Dropper Combo Breaker
    Count me in please!

    I'm away from 2nd-8th July so I'm not going to count these, so my goals for July are:

    10 NSD's
    14 healthy days
    Try to save an extra £50
    Only 3 spends which aren't budgeted for (big or small)

    Couple of non-financial ones too, such as doing the undercoat in my living room and starting work on the garden. We'll have to see how those go... :p
    Save £4,000 emergency fund #79 - £889 as of 02/24
  • FurryBeastOz
    FurryBeastOz Posts: 1,380
    First Post First Anniversary Combo Breaker
    I'm in please. I'm definitely one where life has derailed all my careful planning. My savings have taken a significant hit and mentally/physically I am not where I want to be at all.

    However, as you say. New six months. And potentially a good start - I had a phone interview last night for 5 weeks potential work with a great company. Fingers, toes and everything else crossed. It would be the perfect start.

    However, I'm not counting chickens so I'm going to review my goals and plans today with a view to hitting the ground running (literally - ParkRun) on Saturday morning.
    Goals - Weight loss 6/26lb at 22nd Jan 18
    Mmmm. 26lb at 1/7/18. Oops:o
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