Bonfires and fireworks - NST November challenge

edited 28 October 2017 at 9:55PM in Debt-free Wannabe Challenges
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misstaramisstara Forumite
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edited 28 October 2017 at 9:55PM in Debt-free Wannabe Challenges
Welcome to the November NST challenge. November is probably one of my favourite months of the year - I love being all cosied up in warm clothes, all the leaves coming off the trees, the anticipation of Christmas coming up and even the dark nights, however, I know that many people dread this time of year so part of this challenge is to do with looking after your mental health.

November is a good time to have a bit of clear out and have a bonfire. I'm not asking you to actually have a bonfire but have a look through and see if there's anything that can be ebayed or put to the charity shop. November is also bonfire night. Most local councils put on a fireworks display so if you can, go along to watch.


November rules
NSDs- set your own NSD target of over 12. As usual, household bills, medical expenses, budgeted travel expenses and ys items are exempt as long as that's all you spend.
Organise - set your budgets now, pay to your debt/savings first. Organise any social things now, try and keep them low cost or free if possible. Look at your food budget, is there any savings to be made?
Value for money - for all your purchases during November, I want you to ask yourself if you are getting value for your money. Look round for better deals, can you get it cheaper elsewhere?
Exercise - I know the weather is getting colder and miserable but try to get outdoors for a bit each day even if just for 10 minutes. If you already do quite a lot of exercise, try something different. Go a different route when out walking/running or try a different gym class.
Mental health - think of all the things you do to keep good mental health or strategies you have in place to combat poor mental health. As the long nights draw in, it can have an impact so try and do something daily to keep good mental health.
Be Christmas ready - in October mothernerd encouraged us to get organised for Christmas so hopefully most of you are already pretty organised but for those you aren't (me!), start organising now. Plan who you are buying for, what you're buying and the budget. Can you add a few items of food to your weekly shop to spread the cost?
Eat well - at this time of year, I tend to eat more stodgy food and there's always yummy snacks to be had so this month I'm going to make a conscious effort to eat better. If you already do this, pick another area to work on this month.
Report - post daily if you can with a list of three things that you are grateful for.
Debt at LBM Jan 2014 £10458.09 Now £0
New flat debt Jan 2017 £2302.75 Now £0
Debt Feb 2020: Credit card - £607.09. Now £0
Car - £4992.88. Now £1909.66 (61.8% paid)
Emergency fund - £236.09/£1000. Car fund - £1000/£1000.
Flat deposit - £1600/£15000 (10.7% saved).
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Replies

  • edited 6 November 2017 at 12:03AM
    misstaramisstara Forumite
    3.7K Posts
    Eighth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    edited 6 November 2017 at 12:03AM
    1 misstara
    2 DawnW
    3 apple muncher
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    9 mothernerd
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    33 *snow*white*
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    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £0
    Debt Feb 2020: Credit card - £607.09. Now £0
    Car - £4992.88. Now £1909.66 (61.8% paid)
    Emergency fund - £236.09/£1000. Car fund - £1000/£1000.
    Flat deposit - £1600/£15000 (10.7% saved).
  • DawnWDawnW Forumite
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    Part of the Furniture 1,000 Posts Name Dropper Photogenic
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    Can I join for November please MissTara?
  • apple_muncherapple_muncher Forumite
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    Eighth Anniversary 10,000 Posts Name Dropper I've been Money Tipped!
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    Love it! Count me in please.
    NST Feb FIVES; NSD ; Ex

    MFWDate: very soonish. I hope...
  • Kerry_WomanKerry_Woman Forumite
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    Can you please count me in? Thanks.
    Frugal Living Challenge 2021
    Mortgage free as of 1st August 2013
    NST March 2022: March movement NSD 11/20
  • Thanks for this misstara, please count me in too.
    Debt Free April 2019:j to July 2019 :( NEW WTC:eek:1,194
  • I'm in again, thank you.
    NST September
    NSD 6/20 NDD 7/22 spends £180/500
    Exercise 5/22
    CC Debt £1013 £700
    DFD 12/21 Mortgage 109343 (04/17) 92300 (11/19) 80779 (08/21)
  • greentgreent Forumite
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    count me in, please :) x
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2022: £84.62
  • iloveteailovetea Forumite
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    Can I join in as well ,please.

    ilovetea xx
    Make £2022 in 2022. #6 £228.41 / £2022.
    Declutter 2022 things in 2022 675 / 2022
  • mothernerdmothernerd Forumite
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    Sign me up please misstara - just what I need.
    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
  • sashanutsashanut Forumite
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    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
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    Hi all :j

    I'm in again please!!
    New start JAN15 - NOT BUYING IT 2015 :eek:. Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE :happyhear
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